IMPAC MORTGAGE HOLDINGS, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/26/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92596	Web
XX/XX/XXXX The lies stop today. The deception and the fraudulent practices stop today. I initially contacted CashCall Mortgage ( DBA Impac Mortgage, XXXX XXXX XXXX, XXXX, CA XXXX ) on XX/XX/XXXX to apply for the refinancing of three of my properties. My credit was run but I was not contacted until three weeks later on XX/XX/XXXX by XXXX XXXX, to let me know that the processor assigned to me was XXXX XXXX. A week later, XX/XX/XXXX, XXXX XXXX also emailed me to tell me the same information. I waited until XX/XX/XXXX and when I heard nothing from Ms. XXXX, I reached out on XX/XX/XXXX to ask if we were on track to close on XX/XX/XXXX. Again I heard nothing so I reached out again on XX/XX/XXXX. Mrs. XXXX said she would call me on XX/XX/XXXX to review my 3 files. She assured me all ( 3 ) files were in order and even set up a notary appointment for Saturday XX/XX/XXXX. That appointment never happened as she claimed that she needed to " fix some things. '' And since that date it has been a non-stop endless cycle of asking for documents, promising me we were ready to sign, asking for documents that I already sent, telling me the files were in Underwriting, asking for more documents, telling me Underwriting needed more ( even though ALL documents were immediately supplied ). Finally, on XX/XX/XXXX, upon XXXX telling me that Underwriting had decided that they needed an appraisal after all, I demanded that I be sent a copy of the appraisal that was ALREADY done on my property on XX/XX/XXXX. She seemed to have no idea that the appraisal - ordered by Cashcall in XXXX was ever done. She found the appraisal and sent it to me, as well as cced a copy to a Manager named XXXX XXXX, whom I had insisted form a part of all emails since nothing had gotten done for 90 days XXXX 3 months XXXX time. The appraisal came in at {$290000.00} and I was told we were good to go now. But yet no signing dates were set. The comments from Ms XXXX were always It is in Underwriting. On XX/XX/XXXX I was sent an email at XXXX XXXX from a XXXX XXXX stating that she was my new processor assigned to my case. She also sent me a list of REQUIRED documents and when I stated that those documents had already been sent XXXX multiple times, even ) she stated that she had NO access to XXXX files and therefore I would have to resubmit all the required documents. At this point I became very suspicious of a request for additional documentation and demanded to know where all of my HIGHLY CONFIDENTIAL documents were and why she was not able to access them. She alluded to the mental state of Ms. XXXX XXXX ; leaving me even further concerned. Mrs XXXX took a tone with me and told me that if I did not supply the documents then I was essentially backing out and did not want to proceed. She stated that there was a looming deadline of XX/XX/XXXX and time was of the essence to finalize the loan or else we will need to run your credit again. I stated, again in no uncertain terms, that I would absolutely NOT be running my credit again due to their inaction and sitting on my 3 loans for 100 days. She also wanted a copy of my divorce proceedings to which I absolutely said I would not send over. I asked why in the world anyone would want to see my divorce papers when I have been divorced for 17 years and during that time have purchased 8 properties and even refinanced properties without ANYONE requesting divorce papers. I became suspicious that my identity and financial documents were being stolen and/or not protected. I immediately contacted the supervisor I was working with, Ms. XXXX XXXX, and she assured me that they would NOT have to see my divorce papers. At that point she said all that was needed was my XXXX W2- a document that I had submitted multiple times already, and did so again. I was told that was it and my files would go back to Underwriting and be done. Enter XXXX XXXX on XX/XX/XXXX who said he was brought on to close the deal. I explained to him that absolutely nothing had been done and no deals were finalized because of unknown reasons. He assured me that he would get to the bottom of it and that the deals would close. He explained that Underwriting has decided after all that they NOW needed an appraisal of the XXXX property. I explained in no uncertain terms that once again that appraisal had been done over 3 months ago. I also explained that Ms XXXX had a copy as did Ms. XXXX XXXX. He claimed there was nothing documented and wanted me to send him MY copy, which I did. He then entered it into the portal on XX/XX/XXXX. I thought that would be the end of it, as promised, and that we would indeed finally be signing our documents today. But NO. I just received a phone call today ( XX/XX/XXXX at XXXX XXXX ) from XXXX XXXX who informed me that my file can not be finalized until I RUN MY CREDIT AGAIN. I told him that my credit is frozen, and that I would absolutely NOT be running my credit again due to their own ineptness and inaction. They have literally sat on my loan for FOUR MONTHS ( 120 DAYS ) and at this point they have lost all credibility with me. But it is worse than that. I can only think at this point that it goes beyond ineptness and inaction. At this point I am concerned about the privacy of my financial documents, as well as the very real threat of fraudulent and deceitful practices on behalf of CashCall Mortgage ( DBA Impac Mortgage ). Their misleading actions have now caused me to miss out on refinancing all 3 of my properties at rates that are lower than the current market rates. This deal should have been done FOUR months ago, as I am someone with impeccable credit, access to all of my documents at my fingertips, and someone that has answered every single email, phone call, document request immediately and accurately. I want answers and I want action. NOW. Thank you in advance, XXXX XXXX
02/24/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91411	Web
I applied for a cash out refinance loan with CashCall Mortgage ( DBA Impac Mortgage ) on XXXX on my house. I was told by XXXX XXXX that the interest rate would be 3.625 % with XXXX pt and no fee. I agreed to start the application which included having my credit score pulled from them and have the rate locked in. However, on XXXX I was told the rate was 3.75 % and not 3.625 %. I asked why the increase of 1/8 % and I was told he " made a mistake and misquoted me '' but he would be willing to adjust the rate if it goes lower before the closing date. During the conversation I got the feeling that it was a bait-and-switch scheme because I kept getting the pressure to do this refinance and kept being told " I would never be able to find another lender with this rate '' ( well, only this rate never existed to begin with ). Because they already did a credit inquiry on me which had an impact on my credit score and also because I already started the process, I agreed to what he said so that the application process could continue. On XXXX the rate went down to 3.625 % for a short while and I immediately notified XXXX ( I even attached the rate sheet in the email ). On XXXX I was told by XXXX XXXX that his manager XXXX XXXX refused to lower the rate unless I pay cost for it. XXXX XXXX and I had a few heated discussions and even though I had email proof that the rate would be honored and adjusted and I had rate sheet to prove it, he still refused to adjust the rate unless I pay for it. I told them I would file a formal complaint with different government agencies and only then XXXX XXXX reluctantly honored the rate of 3.625 %. But then things quickly went downhill and it was clearly retaliation - first I was told by the loan processing officer ( XXXX XXXX ) I would need to contact my HR to fill out a Verification of Employment for employment proof and income proof and after I did that, I found out that as a borrower I was not supposed to handle this kind of forms because it was clearly a conflict of interest and would potentially make the application illegal - in other words, I was trapped into doing something that appeared to be helping the application but it was complete opposite. Then, on XXXX when I signed a new set of disclosures after the adjustment of rate I noticed my SSN is wrong. I followed up with XXXX XXXX and I was told there was nothing wrong with the SSN number but then when I sent him a screenshot of the disclosure forms I received that contained the incorrect SSN to express my concern, he replied and told me the SSN was corrected and in the email he quoted my SSN in CLEAR TEXT. It is an unsecured email channel and so now my SSN is out exposed to the public. This is absolutely unacceptable and a complete violation of privacy! I asked both XXXX and XXXX why they did that and that they did not care about information security and I was just told this is the normal process in CashCall Mortgage and " it is what it is '' ( I honestly believe they did that on purpose as retaliation ). And as if that was not the end of a nightmare process yet, CashCall Mortgage ran another credit check without my consent on XXXX. It was a " hard inquiry '' which negatively impacted my credit score. I caught it because I have credit monitoring service and when I asked CashCall Mortgage I was told they " had made a mistake in entering my SSN '' in the application and had to re-enter and do another credit inquiry. I would imagine it is against the law to run any credit inquiry without the consent. And again, another retaliation towards me for asking for the rate I was promised. After the loan closed towards the end of XX/XX/2019, I sent an email to the CEO ( XXXX XXXX ) and Chief Administrative Officer ( XXXX XXXX ) about my experience with CashCall Mortgage that includes the bait-and-switch business practice and the retaliation towards me including disclosing my SSN in public and running credit inquiry without consent and the only response I got was a few phone calls from a paralegal ( XXXX XXXX ). XXXX XXXX pretended to be a nice person at first but then he quickly became extremely aggressive in every call with me in an attempt to intimidate me so that I can let this go and not pursue any further. It is clear to me that they know within their company all these questionable business practices and potentially illegal activities done by their staff ( also confirmed by the numerous complaints other people filed with CFPB on Impac Mortgage/CashCall Mortgage ) but they simply don't care. I am hereby asking CFPB to look into this company - they have clearly violated a few regulations ( TILA, for example ) - and to evaluate whether this company should have the license to continue doing business in the mortgage lending industry.
01/06/2021	No	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92019	Web
Around XXXX of XXXX, my mortgage service provider, Cash Call, sold my loan to XXXX. The problem began when Cash Call sent a goodbye letter to me to an incorrect address. I never received notification that the loan had been sold to another company. XXXX sent the welcome letter to an address that was not my mailing address and both letters were returned to XXXX as non-deliverable. XXXX then went on to try to contact me using a phone number that did not belong to me. When Cash Call sold this loan, all of my contact information was and still is, current. However, XXXX didn't bother to utilize the correct contact information that was in my file. When I tried to make my XXXX mortgage payment, Cash Call said my loan was paid off. At first, they asked me if I was in the process of refinancing and said it looks like the loan was paid off by someone else. Cash Call did not tell me who paid off the loan. At that exact time, I was in the process of refinancing my loan. It is important to add that in the 23 years I have lived in my house, I have never been 30 days past due ... .EVER. I contacted the refinance company and they let me know that they may have paid off the loan but they would send me paperwork to close out and inform me of my new payments. Almost 60 days had past when I contacted the refinance company again, and it was then they disclosed they did not pay off the loan. I contacted Cash Call on a recorded line and the rep told me my loan was paid off and there was nothing due. She said it was PAID IN FULL. Not transferred, not sold, but paid in full. I immediately contacted the refinance company and told them what was going on. They had their title company run a check and the title company stated there was no lien on the home that it appeared to have been paid off. I had no idea who paid off this loan but in XXXX, I did lose family members to XXXX. I then asked the refinance company run another check and they sent me an e-mail stating the loan was paid off with Cash Call. In XXXX of XXXX, I received a call from XXXX XXXX of XXXX. He contacted me via telephone and stated XXXX XXXX had contacted him as XXXX Mortgage said my loan was delinquent. That was the very first time I had even heard of XXXX. Mr. XXXX and I discussed this turn of events and he scheduled a conference call between him, myself and XXXX. On XX/XX/XXXX, XXXX sent the welcome letter which contained my new loan number with XXXX, a mailing address and monthly amount to me and Mr. XXXX of XXXX. That was the very first time I had been notified that XXXX was servicing my loan. Several E-mails have been exchanged since and as such, XXXX is now threatening foreclosure on my home stating I am behind in payments despite the fact that they do acknowledge in writing that they failed to notify me. Both myself and XXXX XXXX of XXXX have asked XXXX to either defer the payments or come up with a plan that will not impact my credit since they did not notify me per the guidelines but as evidenced by the attached e-mail chain, they are not going to assist in rectifying this issue which was solely due to their negligence in handling this account. It is also important to note that upon receipt of the welcome letter from XXXX which was received via e-mail to both myself and Mr. XXXX on XX/XX/XXXX, I immediately sent in my first mortgage payment as I was now informed of my loan number and remittance address. It took XXXX almost 3 weeks to cash my check. I have already sent in my XXXX payment as well. The issue remains that XXXX claims there is a balance due from XXXX to XXXX which is during the time they failed to notify me of their acquisition of the loan. I believe a fair solution would be for them to defer what they feel is past due ( even though the e-mail letter was received on XX/XX/XXXX and I paid immediately the XXXX mortgage upon notification ) XXXX was severely negligent in handling this loan and contacting me. XXXX and Cash Call entered into an agreement which did not include me in the process of transferring this loan. I was not there when this loan was transferred thereby it is the responsibility of both parties to notify me that the conditions of my loan had changed. How am I not know who is servicing my loan when the party responsible has not contacted me or filed the proper paperwork for a title company to even find therm on the deed. I am the party being punished for someone else 's negligence. I can not come up with {$15000.00} that XXXX is demanding because they didn't handle this account ethically. I would appreciate your assistance with this matter. I know there are guidelines that lenders must follow. Certainly, notifying a customer and ensuring they are aware that the conditions of their loan have changed is one of them.
10/30/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98513	Web
My broker is using a new type of loan that can be helpful for me.Because I do n't qualify for regular type of loan we used the12 OR 24 bank segment programs with XXXX XXXX XXXX ( 10 % downpayment ) and after that we went with XXXX XXXX XXXX ( 20 % downpayment ) for the 12 month statements. This was my worst nightmare because even if I qualified for everything they denied my loan with no reason.Idid not receive no disclosure why I was refused from XXXX XXXX and IMPAC MORTGAGE bererly answers the emails from my broker. So let me start with my story.Around XX/XX/XXXX we found a nice house lets say house number 1 and we done everything what IMPAC MORTGAGE asked us to do or submit.All the time IMPAC MORTGAGE was changing the interest rate from 5 to seven and above.For us was like, whats the bank doing? We got the deal for 20 % downpayment and around 5 % intrest rate.If we wanted only 10 % downpayment then the interest rate would escape up to 7 % and thats why we choose 20 % down with lower interest rate.IMPAC did not care about that.The bad thing was that the inspection went wrong, the house had some issues and we said no to that house and we start looking for other ones. After 3 weeks we found a lovely house ( house number 2 ) for XXXX $ and we called our broker and told him that we are ready for the new house and contact IMPAC and this time to make sure that things are gon na be correct-downpoayment/intrest rate.He told us about XXXX XXXX who want only 10 % downpayment with a interest rate around 6 % and we said lets do it.Of course they did not do it and we made extension to disclosure date and they wanted additional papers.we submitted everything and no problems at all.Before everything was done they said why is my employee listed in my business account and I said because he has to make some payments and I gave him a debit card for transaction.Im the solo owner for this business ( with proof from secretary of state ) .XXXX tells me that he has to sign the loan also and be on the loan.So how can you add a employee on your loan?? XXXX XXXX DENY the loan and I did not receive no disclosures and why they did that.Im mentioning that Im new to the States but have a very good credit score and good business history. We call our broker and he tells us to go back to IMPAC MORTGAGE because they are more flexible but they want 20 % downpayment for the 5 % interest rate.We said d ok and lets do it again with IMPAC.We told them that we found a different house ( number 2 ) and we want to proceed with the loan.FROM NOW THE HORROR STARTS.EVERY WEEK THEY CHANGED MY INTREST RATE UNTIL WE LOCKED IT DOWN ( VERY HARD TO DO IT ) .WE GOT ANOTHER EXTENSION FROM THE SELLER BECUASE THEY WERE NOT COOPERATING WITH US AT ALL.THEY TOLD THAT ALL THE PAPERS ALL ALRIGHT AND THATS IT.THE LOAN OFFICER WAS IN VACATION AND WE COULD NOT FINISH THE LOAN.WE HAD TO WAIT FOR HIM TO COME FROM VACATION.THE APPRAISEL THAT COST US XXXX $ CAME WRONG.THEY SEND THE APPRAISEL TO HOUSE NUMBER 1, THE ONE THAT WAS LONG FORGOTTEN AND ALSO THE PRICE WAS LOWER.WE GOT OUT OF CONTRACT AGAIN.HE WAS IN VACATION AND NOBODY CARED.WE GOT THE SELLER TO SIGN A EXTENSION WE WERE WAITING.ONE DAY BEFORE CLOSING THEY DID NOT SENT ME ANY DISCLOSERES TO SIGN FOR THE PAPERS TO GO TO ESCROW BUT LATE AFTER XXXX XXXX PACIFIC TIME I RECEIVED ONE BAD CLOSING DISCLOSERE WITH EVERYTHING WRONG ON IT.FROM the SELLERS NAME TO NUMBERS AND ADRESSES.EVERYTHING WAS WRONG BUT THEY TOLD ME TO SIGN IT LIKE THAT. THE SELLER GAVE US A ANOTHER EXTENSION.AGAIN XXXX XXXX DID NOT SEND US THE CORRECT CLOSING DISCLOSERE, AND CONTRACT IN THE RIGHT MANNER.THEY MADE ME AN ONLINE ACCOUNT FOR ME TO SIGN PAPERS.ALL THE PAPERS WERE WRONG AGAIN.NAMES, AMOUNT OF MONEY, SELLER NAME ETC.WE LOST THE CONTRACT AGAIN.THE DAY AFTER THE CONTRACT WERE LOST BY ME WITH THE SELLERS THEY TOLD MY BROKER THAT I DONT QUALYFI FOR THEIRE LOAN .NO REASON YET.NOTHING.JUST THAT SOME CHECKS WERE MISSING FROM MY RENT.WELL THE THING IS THAT I NEVER MISSED RENT PAYMENTS.NEIGHTER FOR PERSONAL HOUSE ( XXXX WAS THE LANDLORD AND THEY GAVE THEM ALL THE DOCUMENTS ) AND BUSINESS WERE I PAY RENT AND DEBTS.SO AGAIN NO REASON.BUT THIS WAS AFTER WE LOST THE CONTRACT.THEY MADE ME LOST THE CONTRACT ON THE HOUSE BECAUSE FOR THEYRE PERSONAL REASON WOULD NOT GIVE ME THE LOAN.BECAUSE OF THEIRE NEGLIGENCE WE LOST OUR DREAMHOUSE AND NO ONE CARES. I LOST XXXX IN EARNEST MONEY XXXX APPRAISEL FEE CHARGED BY THEM XXXX HOUSE INSPECTION THEY PLAYED WITH US FROM THE BEGINNING PLUS THAT MY WIFE IS ALSO XXXX AND THE STREES WAS ENOURMOS FOR HER.I DONT THINK THIS IS NORMAL SORRY FOR MY ENGLISH
09/25/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 90063	Web
In middle of XX/XX/2020 I began the process of refinancing my mortgage. I was with Cashcall Mortage for years without incident and called and emailed them to give them to opportunity to keep my business. I didn't hear back from Cashcall until I was down the line with another bank who were going to refinance my mortgage. Around XXXX as well, Cashcall sold my loan to XXXX, so I was aggressively pursued to go back to Cashcall. The Loan Agent XXXX XXXX, called me dozens of times in a matter of a few days when I told him I was going with another company ( you can check his phone records around XX/XX/2020 and I can show my phone records ). He promised me that since Cashcall had my mortgage for a few years ( never sent a late payment ) that I would have less paperwork to process going back to Cashcall then if I went to another company for a refinance. So a week or two later, I stopped going with the other loan company and went back to cashcall to process my refinance since I was promised a quick and easy process. I was upfront always about having a baby in XXXX of 2020 and that I was XXXX XXXX and that my income would be about 2/3 of what it has been the past few years. I was told it wouldn't be a problem. XXXX was very persistent and worked with me very well. I gave him everything he needed right when he needed it with no indication of any upcoming problems due to making less income in 2020. Throughout the process was never told once that my income being less this year would be a problem as I mentioned it to make sure ( the year isn't over and in my industry the last quarter is when my influx of income normally comes ). Cashcall sent a notary to my house on XX/XX/XXXX. They asked me for a few more pieces of paperwork on Sunday the XXXX of XXXX ( the loan needed to go through on XXXX of XXXX ). I was told by XXXX XXXX in an email that the additional paperwork being asked from me which I had sent was " Rcvd and the loan is good to go thank you ''. I have the via email. I signed the notary paperwork, and after not once being told in advance that there would be a problem with my income being less this year then the past few years, was denied my loan. My credit rating is XXXX XXXX XXXX XXXX at the time of notary signing. I have never missed a mortgage payment ever. I have enough money in my savings account to pay for 10 months of mortgage payments as well as enough money in my business and personal for another 4 months. My only other outstanding loans are a small car payment and very small XXXX bill ( which by the time of this email now is XXXX ). I was told I was denied because my income is " half '' of what it was last year. Which isn't correct. Again my loan agent knew about the birth of my daughter and that would result in a slight decrease in XXXX XXXX income this year. I was open about my income that will come in at 2/3 ( not half ) at the end of XX/XX/2020from what it was the past few years. I'm told not to state certain numbers on here but 2/3 of my normal income is still a sizable 6 figure income that can more then pay for the mortgage payment. My complaint is a variation of predatory behavior, time wasted when I could have been getting a loan from another company, the persistence that my refinance request with Cashcall who said I would be okay as a XXXX XXXX person ( who I had been a customer with for years, who I never missed a payment with ). And obviously the big thing which I have in writing is that I was told via email that my loan had gone through -- before a few days later I was told it hadn't gone through. In the days since I have called cashcall and my loan XXXX and left 5 messages and asked to speak to someone before reporting to CFPB. I emailed asking for someone to speak to, called and called and no one has responded so I'm posting my complaint here and waiting for someone to get back to me. I want my refinance to be reviewed by another underwriter. I want to be able to speak to the someone above the underwriter who denied my loan. After all the months of paperwork I need answers and reasons that aren't arbitrary like my income for XX/XX/2020 being the reason-where the year isn't over and I wasn't able to let them know about my income projections coming in at the last quarter of the year. As it normally does every year coming in hartley of the year.
09/27/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92337	Web
My account was originally not escrowed. I requested to escrow my account for property taxes only. On XX/XX/18 I made a payment for {$1300.00} over the phone because I could not make an online payment since my account was not set up as an escrow account. This payment was applied to my escrow account corretly. I made an additional {$500.00} payment towards my escrow account onXX/XX/XXXX and it was applied to my late charges. I have called about 10 times to get this corrected and it's been about 1 month. I have emailed 5 times and every email and in every call I'm told they are sorry for their mistake they are going to fix it and it's still not corrected. I have not option but to dispute the charge with my financial institution. I can not get them to fix their mistake. I fell behind on my property taxes and now that I'm caught up I started an impound account to ensure this never happens again. Below is the last response but they never make the correction. I included the payment history below also so you can see I made the payment and it was not applied to my escrow account. I noticed they reversed my XXXX payment. At this point I'm not sure how to fix it or who to ask for help. They are just doing whatever they want with my money. XXXX XXXXXXXX LN XXXX Reference number : XXXX Please use this ticket number in any correspondence with us. Subject : Escrow Inquiry Dear Valued Customer, Thank you for contacting us. We have received your recent inquiry regarding your mortgage account. The request has been submitted to the Payment Processing Team to have the reversal completed. Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. Sincerely, Customer Support XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ******************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. * this email was scanned for malicious content * ******************************************************************************************** Due Date Applied Date Description Principal Interest Escrow Paid AmountPaid Escrow Advance Escrow Balance Principal Balance XX/XX/2018 XX/XX/2018 Payment {$400.00} {$1000.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 Payment {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 MisapplicationReversal {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 MisapplicationReversal $ XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 MisapplicationReversal {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 MisapplicationReversal $ XXXX $ XXXX {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 Payment {$0.00} {$0.00} {$10.00} {$10.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 Payment {$400.00} {$1000.00} {$0.00} {$1400.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 Payment {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 PrincipalCurtailment {$55.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 Payment {$0.00} {$0.00} {$0.00} {$500.00} {$0.00} {$1300.00} {$260000.00} XX/XX/2018 XX/XX/2018 PredistributedPayments {$0.00} {$0.00} {$1300.00} {$0.00} {$0.00} {$1300.00} {$260000.00}
06/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
We have having trouble with the investor for the two mortgages on this property. Both mortgages are owned by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I need Impac investigated as they are not complying with either the CFPB guidelines OR California 580e. Problems with the 1st Trust Deed, serviced by XXXX. XXXX received this short sale on XX/XX/XXXX. On XX/XX/XXXX, we were told that the investor required commissions to be cut to 5 % and change relocation incentive to {$3000.00}, and to send utility bills to prove owner occupancy. We sent those items back to them on XXXX. On XXXX, we were then asked for the payoff from the 2nd lien holder. We had sent that to XXXX on XXXX, the rep we were speaking on XXXX was able to find it and forward to underwriting. XX/XX/XXXX XXXX stated that the payoff we sent was not what they wanted, and asked us to send a current full payoff demand with the UPB showing. We sent that back to them on XX/XX/XXXX. Nothing was mentioned about utility bills. XX/XX/XXXX XXXX rejected utility bills as they were in his wifes name. Explained this was a blended family and the borrower split his time between 2 residences, one with his relatives, and this property address where his wife and new family lives. Ombudsman escalated the issue to get it resolved. XXXX XXXX denied relocation stating the utility bills must be in his name in order to receive relocation, they could not be in the non-obligable spouses name. We removed relocation from settlement statement and send back to XXXX XXXX. XXXX no response from underwriting, ombudsman escalated. Letter sent to borrower stating they needed an additional 15 days to review file for decision. XX/XX/XXXX sent to investor for approval. XX/XX/XXXX ombudsman stated they expected response by end of business XX/XX/XXXX. XX/XX/XXXX ombudsman stated no response, sent inquiry to investor. XX/XX/XXXX still no response from investor. Ombudsman stated their inquiries to the investor have been ignored. XXXX send a 2nd letter to borrower stating they needed an additional 15 days for decision. I have never seen XXXX have to send TWO 15 day letters before. Underwriting on this was painfully slow, and document requests were consistently miscommunicated by XXXX front end. Once the file was in the Ombudsmans hands, communication was clear and concise, and were able to get this submitted to the investor. Now the investor is ignoring the request for decision. This is extremely concerning, as evidenced by the below interaction on the 2nd. While it is serviced by XXXX, the investor is the same. The short sale file for the second Trust Deed was sent to XXXX on XXXX. XX/XX/XXXX XXXX needed some housekeeping changes made to the contract and XXXX, sent to XXXX XX/XX/XXXX. XX/XX/XXXX XXXX countered us to {$6400.00}. Corrected settlement statement and sent back XX/XX/XXXX. XXXX XXXX asked for buyer proof of funds, sent back on XXXX. XXXX XXXX marked file complete. XX/XX/XXXX XXXX forwarded file to investor for final approval XX/XX/XXXX no response from investor XXXX no response from investor XX/XX/XXXX Impac denied file and per letter from XXXX no short sale would be allowed and they required a full payoff. Impac took nearly a month to get back to XXXX, and then denied the short sale after we were issued a counter offer and that counter was met. Impac apparently feels they do not need to comply with state and federal law. I want them investigated and fined. It is important to note that Impac is also known as XXXX, who has been fined quite a lot for violations of the law. We have contacted the investor directly and they are refusing to respond. We will be cross-filing a complaint with the CA State Attorney General. I expect Impac to comply with state and federal law. I expect a reasonable response to the short sale request.
07/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 331XX	Web	Older American
The " Lender '' named in the Note and Deed of Trust or Mortgage ( D ) " LENDER '' is XXXX XXXX XXXX. Lender is a CORPORATION organized and existing under the laws of FLORIDA. Active XXXX/XXXX/2006 " LENDER '' funded the transaction '' Using a " SECURITY INSTRUMENT Florida Single Family-XXXX/XXXX UNIFORM INSTRUMENT Form XXXX '' in a " CONVENTIONAL '' " MORTGAGE LOAN # XXXX '' ( C ) " XXXX '' Is a XXXX XXXX XXXX XXXX , XXXX acting solely as a nominee for Lender and Lender 's successors and assigns " Nominal Lender '' was paid in full, plus a commission. Also, the Deed of Trust or Mortgage ca n't secure an Asset-Backed Investment Security or a Financial Asset directly purchased by a Trust ( Security ), the Homeowner was tricked into thinking he was a " Borrower '' of a " Loan '', when he was actually a Seller of a Note to a Securitization Trust or SPV. The Trust or SPV had no right to a Deed of Trust or Mortgage to a purchased Note that was not evidence of a debt or obligation - it ca n't be a Secured Transaction covered under XXXX XXXX, when it 's an Investment Security covered under XXXX XXXX IF XXXX XXXX XXXX did not fund the transaction, and therefore was not really the " Lender '' at all. They acted only as a " Nominal Lender '', named in the Note only to facilitate the creation of a Deed of Trust or Mortgage to secure the Note as an alleged " Loan '', when it was not a " Loan '', but rather the vessel for an XXXX BANK XXXX XXXX COMPANY, AS TRUSTEE UNDER THE POOLONG AND SERVICING AGREEMENT RELATIONG TO IMPAC Secured Assets corp, Mortgage Pass-Through Certificates, Series XXXX, The ramifications of this process are that there was no " LOAN '' funded by the " Nominal Lender XXXX XXXX FUNDING CORPORATION ''. " Nominal Lender '' was paid in full, plus a commission. Also, the Deed of Trust or Mortgage ca n't secure an Asset-Backed Investment Security or a Financial Asset directly purchased by a Trust ( Security ), the Homeowner was tricked into thinking he was a " Borrower '' of a " Loan '', when he was actually a Seller of a Note to a Securitization Trust or SPV. The Trust or SPV had no right to a Deed of Trust or Mortgage to a purchased Note that was not evidence of a debt or obligation - it ca n't be a Secured Transaction covered under XXXX XXXX, when it 's an Investment Security covered under XXXX XXXX. The " Nominal Lender '' should n't be able to foreclose on an asset in an Investment Security with an invalid Deed of Trust or Mortgage, fraudulently procured under the guise of a " Loan '', when it was n't a Loan, but rather the " Purchase of a Note '' into a pooling Investment Security, and the " nominal Lender '' was paid in full, plus a commission for something it did not fund. " nominal XXXX XXXX XXXX XXXX XXXX '', did n't fund the transaction, but rather fraudulently allowed its name to be put on a Note and Deed of Trust or Mortgage to trick a Homeowner " XXXX '' into signing a Deed of Trust or Mortgage to secure an Investment Security, assign a Beneficial Right it never had to another Beneficiary XXXX XXXX XXXX XXXX " Plaintiff '' More over the Assigment of Mortgage is Void because XXXX can not act as a nominee of XXXX because XXXX can only act as a nominee of the Lender and Lender 's successors Them XXXX was not a lender, XXXX was only a Servicer. XXXX XXXX XXXX Now our Servicer say : Home Affordable Modification P : Your loan is not eligible for the reason ( s ) We service your loan on behalf of an investor or group of investors that has not given us the contractual authority to modify your loan under the Home Affordable Modification Program. Note that t XXXX XXXX XXXX is not a Secretary of XXXX acting solely as nominee for XXXX XXXX Funding Corporation Document is not date by the Public Notary ALL IS A FRAUD HELP
03/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
In or about XXXX of last year ( XXXX ), we signed up online for paperless statements in which the mortgage company, XXXX ( dba XXXX , XXXX ), was supposed to send monthly email notifications that the current statement was available for payment. We have never received email notification, but we have been keeping current with our mortgage payments despite this. Starting last fall ( XXXX ), we were calling XXXX on a monthly basis to try and resolve this issue. Each time, the representative assured us the problem was fixed and that we should get an emailed statement notification. This never happened. We often escalated each call to the next supervisory level and, again, we were assured that the problem had been resolved. On XX/XX/XXXX, I called and was escalated to XXXX XXXX ( sp? ) whom I was told was " upper management. '' She reviewed our account, changed something, and assured us, once again, that the problem was resolved. I asked her how I could get in touch with her in case there were still problems which, based on our history with this company for the past year, were a distinct possibility. Ms. XXXX gave me her direct line ( XXXX ). We received no email notification in XXXX nor one for XXXX and I called the Customer Service line and the person with whom I spoke walked us through the XXXX website saying we had to click on a certain box which y was our permission to XXXX to send notifications by email and this rep, whose name I do not have, said this was the reason for our not receiving the monthly statements. ( You would think that Ms. XXXX in " upper management '' would have reviewed our account for this factor, but she did not. ) We have now, once again, not received our statement for XXXX. On XX/XX/XXXX, I called Ms. XXXX and left a message on her voicemail to this effect and since it was possible that she was out of the office on Friday, I told her I would give her until Monday, XX/XX/XXXX at XXXX to respond before filing a formal complaint with the appropriate regulating authorities. She had no " out of office '' message on her outgoing voicemail message and so I had no reason to believe that I would not hear from her in that two-day period. I never received a phone call and so we are writing to the CFPB to try and resolve this year-old issue. XXXX 's website does not make it clear how to sign up for online statements. We followed the original instructions but over the past year, as we have called on a monthly basis to get this resolved, we have found that there were " extra '' tasks that were required to make electronic notification work, even though this was not apparent in their instructions. Even if their instructions had been crystal clear, we have had problems getting our monthly statements and each representative with whom we have spoken has made a further " tweak '' to our account, assuring us each time, that this was the final step in our making their system work. We have been very patient despite the yearlong struggle, the long waits on " hold '' when we call to find out, yet again, why their system is not working, and we are extremely frustrated. Additionally, if this is not working, it makes us nervous about what else in this company is not working the way it's supposed to. If the interest rates were better, we would move our mortgage to another lender. Unfortunately, we are stuck with them for the time being. Thank you for your kind attention.
02/01/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 91335	Web
I contacted Cash Call for a refinance 30 year conventional fixed rate loan. I had several issues with the company that I believe violate certain laws, as well as a few unscrupulous practices that may only flirt with legal boundaries. I 'll start from severity of voilations ... 1 ) I was XXXX documents for me to sign and look over including disclosures. As I was reading through these documents I arrived at XXXX pages of loan application/tax request forms etc for someone other than my wife and I. They sent me a Cash Call completed ( typed and printed ) copy of a couple whom I 've never met. It has their SSN on multiple pages as well as bank accounts, Debt, Credit and a " Request for Transcript Tax Return ''! I fear that my wife and I 's identity sits in the hands of a company that does n't have the system in place to mail the correct and crucially important information to the proper recipient. I have no idea where my information could possibly be landing and the scary part is that I doubt they know either. In the wrong hands, identity theft or Tax fraud would be very easy. I brought this up to them in an email and they did not respond to it ... it was ignored. I even told them that I believed this was a violation of the CFPB, RESPA, and/or FTC and still, ignored. 2 ) We started the loan process as usual, filling out forms etc and it was n't until later that I saw something that said they were going to pay off our XXXX car lease. Cash Call moves incredibly fast and we spoke and/or emailed on a daily basis and I was never told that we would be paying off a car lease. The lease was due XX/XX/XXXX and around XX/XX/XXXX I was asked told that the car would be paid off. How can a company decide what car my family will purchase? I believe that they structured this to their benefit without consulting with the needs of the consumer and hoped to not meet resistance. In summary, they told me that without the XXXX car lease being paid off, the deal could n't happen. 3 ) I was told that the rate was locked, but many of the documents emailed ( including the ones XXXX to me ) said that it was not locked. When I asked them about it they told me that it was and emailed me a copy that had the " rate lock '' box checked off. Later as I was going through the documents that were XXXX to me, I saw in BOLD writing that the " rate will be floating in the market and will be locked when we draw closing documents ''. I brought this up to them via email on XX/XX/XXXX and it was ignored. It just seemed odd to me that all the documents I was getting were inconsistent. Toward the end I asked several questions, calling them out on the inconstancies and I was never responded to in email. I even asked to be responded to in email, but all I got were several requests to call them. I find phone conversations about these kinds of issues to be disadvantageous for the consumer since there will never be a record of what was said. in fact, I have a couple other minor complaints, but there is no way to prove them so I 'll let those go. I have evidence of all the above via an email chain as well as the actual paperwork that was sent to me along with the XXXX envelopes they were sent in.
01/09/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NJ 07712	Web
Re : XXXX XXXX, XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern : Please be advised this is a letter I sent to XXXX XXXX XXXX regarding their foreclosure against my mother : You have sent my mother paperwork to explain why XXXX serviced by XXXX should not foreclose on her property referenced above. As previously explained to you months ago in the attached letter, my mother is the victim of elder abuse. She is currently residing in XXXX XXXX XXXX XXXX NJ in the XXXX XXXX. As previously explained to XXXX and XXXX, I recently discovered that my brother, XXXX XXXX, has been victimizing my mother for several years. He has drained her bank accounts. This matter has been referred to the XXXX County, NJ prosecutor 's office, and they have taken the case. If XXXX had exercised even the slightest diligence, the above referenced loan would not have been originated. If XXXX had run a credit check on XXXX XXXX, XXXX would have discovered that XXXX XXXX has been defrauding creditors for years. I discovered that he ran up debt on my mother 's credit cards, then took out this loan against her property to further defraud the credit card companies and XXXX. XXXX has asserted that it was relying on a valid Power of Attorney issued to XXXX XXXX. However, my mother revoked the POA given to my brother because she issued one to me after the one given to my brother. Therefore, any actions taken by my brother under the POA were invalid. Again, if XXXX had done any diligence on my brother, XXXX would have discovered his credit history. A copy of the POA issued by my mother to me is enclosed. You will note that it is dated after the one issued to my brother. Please note that on information and belief, my brother has fled the country. In addition, he is over $ 17K behind in his child support payments. I have put her house up for sale. She needs the proceeds from the sale to pay for her care in the XXXX XXXX. XXXX 's fraudently originated loan will leave little if anything to pay for her care in the XXXX XXXX. We would hope that XXXX would see fit to investigate its origination decisions and practices related to this matter. In addition, we hereby request copies of all recordings relating to the origination of the loan as well as copies of all documents related to the decision making and underwriting documents related to this loan. I would appreciate your help in pressuring XXXX XXXX XXXX with restitution for this matter. " I believe that XXXX has engaged in predatory lending with respect to my mother 's loan and together with XXXX has engaged in unfair, deceptive and abusive practices in violation of both federal and state law. Such lack of diligence in the origination with the intent to take the assets of a defenseless elderly woman are beyond the pale of decency. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
12/07/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33916	Web
In XXXX, XXXX XXXX XXXX XXXX XXXX, filed a foreclosure action against me and my husband. A Final Judgment of foreclosure was entered since we did not get notice of the hearing date. My husband and I were able to reinstate the loan in the amount of {$56000.00}, made payable to XXXX XXXX XXXX as the loan servicer. We were given the amount to reinstate the loan from Impac Mortgage Company since they were the trustee for this loan. The Final Judgment was vacated on XXXX/XXXX/XXXX, ( attached ) and we kept waiting to get the new payment amount, which never came through, despite repeated requests. ( attached ) Despite not having a new payment schedule, we kept paying whatever was requested initially : XXXX XXXX, XXXX - {$4100.00} - online payment XXXX XXXX, XXXX - {$5600.00} - online payment By XXXX of XXXX, the payment had gone up to {$19000.00}, which we could not pay. We kept receiving notices from Impac Mortgage Company to assist with the loan modification, and since we were getting nowhere with XXXX, so we contacted Impac Mortgage for the modification assistance. On three separate occasions, Impac Mortgage requested a fee for the modification, which was paid on the following : XXXX/XXXX/XXXX - {$2300.00} modification fee - {$1400.00} on a credit card and {$900.00} on another credit card. The loan modification actually went through and the paperwork was signed and submitted to XXXX XXXX XXXX with a payment amount of {$2200.00}, which was accepted as well as the second payment of {$2200.00}. I made the third payment of {$2200.00} ; however, XXXX XXXX XXXX refused to accept it. XXXX/XXXX/XXXX - {$2200.00} modification fee - credit card payment XXXX/XXXX/XXXX - {$2400.00} modification fee - paid by check ; everything was submitted as requested but Impact kept changing their mind of how they wanted the funds received. One letter stated the funds could be sent by check and then another correspondence was the funds had to be certified and/or wired. Even though a check was sent, it was then refused. By XXXX XXXX, another foreclosure action had been filed. We attended mediation where we were to submit the required documents. We then went to trial on XXXX XXXX, XXXX and we were given 150 days to complete the modification. Despite from the time of the first mediation in XXXX XXXX until XXXX XXXX, XXXX, we submitted the modification packet no less than 15 - 16 separate occasions Despite all of our efforts, we were notified on XXXX XXXX, XXXX that loan modification was not approved. feel as though I have been completely scammed by both XXXX XXXX XXXX and Impac Mortgage. Both kept dragging this process out and increasing the interest rate and the fees to make it impossible for us to keep our home.
03/31/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92660	Web
*My complaint does not deal with me having a loan at CashCall , it has to do with the unethical practices at CashCall Mortgage , Impac Morgage and its past employees* My last complaint the company responded with a deflection tactic, pointing out that my screen name was not in their database as a customer. Please investigate the matter below. Impac never actually investigated anything, if you review their response it is clear they just deflected from the issues below and DID NOT address any of the practices aforementioned ie loan churning. Please be advised that a large number of employees at CashCall Mortgage, under Impac Mortgage Corp NMLS id # XXXX have held a long secret, which is churning mortgage refinance applications over and over. I have seen this occur since before XXXX and I do not feel it is fair to the American public or to GSE 's like XXXX XXXX and XXXX XXXX and it is time that CashCall and key violator loan officers at CashCall be held accountable. The managers would look the other way when they knew loan officers were " retreading '' mortgage refinance applications. XXXX loan officers like XXXX XXXX XXXX nmls id # XXXX would use his cellular phone so that no call could be recorded showing he solicited the client in order to avoid issues with XXXX XXXX and XXXX XXXX. He also hired his wife to call out and solicit and churn loans over and over every 6 months some loans every 3 months. The matter was brought to the attention of VP at the time, XXXX XXXX and he sweeped thee issued underthe rug due to XXXX XXXXXXXX XXXX seniority at the company. Later, XXXX took 1003 applications with client 's confidential information and solicited clietns that XXXX refinanced while he worked at XXXX XXXX, then at XXXX XXXX and now where he is working at XXXX XXXX XXXX XXXX XXXX. There were other violators of the comapny 12 month retread policy ( to keep things smooth with XXXX XXXX XXXX but many of the managers looked the other way when guys like XXXX or XXXX XXXX XXXX XXXX XXXX churned loans to fatten their pockets while costing XXXX XXXX and XXXX XXXX XXXX XXXX but by far the biggest offender and most unethical, cunning mortgage loan officer of all time that anyone will encounter is XXXX XXXX XXXX I assure the CFPB if you investigate this mortgage officer 's history, obtain a warrant to search his home or computers you will find that he has confidential borrower information including social security numbers, date of birth, addresses and names illegally obtained from every company he has worked at.
09/24/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92648	Web	Older American
Dear Sir/Madame it may concern : I have had Cash Call Mortgage is my currently mortgage on my primary home. My credits and all documents disclosed my assets in detail had been approved in excellent status that I qualify for the refinance at the lower rate and cash out. On XX/XX/XXXX, I told the loan officer to lock the rate at 1.75 %, Point Fee is 1.112 %, with NO Closing Cost ( It meant lender credit and no charge me for 3rd party ). He told me he locked the rate and transferred my document to the underwriter approve. I supposed that we will close the loan in XXXX. However, in XXXX the loan processing told me that she waited for the loan officer locks my rate. I called loan officer and he told me he forgot to lock the rate and he would wait for the rate goes lower like the date XX/XX/XXXX, he would lock it for me. However, I did not hear he called me. On XXXX XXXX, I called him and said the Cash Call mortgage was lower the rate and APR rate is the same as on XX/XX/XXXX. He should lock the rate for me. However, he sent me the rate lock estimate the same but it charges me FOR CLOSING COST AND THE DATE LOCK RATE IS XX/XX/2021 which I had not been informed until I called him to lock the rate on XX/XX/2021. I complained about the closing cost, the loan officer asked me to call his supervisor XXXX. I called Mr. XXXX on XX/XX/XXXX. He agreed with me that my loan will be close at the end of XXXX and will be No Closing Cost like the rate I wanted to lock on XX/XX/XXXX. On XX/XX/XXXX However, when the loan processing asked me to sign e-document dated XX/XX/2021, the Closing Cost is still there, it has not been corrected as Mr. XXXX told me. On XX/XX/XXXX, I have tried to call and Fax what is wrong to Mr. XXXX, however, Mr. XXXX and loan officer do not respond to me by my phone call, email or fax. They ignored me and even do not correct the closing cost on my Closing Disclosure. Closing Disclosure the Disbursement Date XX/XX/2021. Cash Call Mortgage should credit to me the closing cost of {$1.00}, XXXX as the lender credit to me such agreement on the Loan Estimate dated XX/XX/2021. And it had been confirm with Mr. XXXXsupervisor to me on XX/XX/2021. I appreciate your help me this matter as soon as possible before the loan expires. Very respectfully. PS : The closing cost is XXXX should be the lender credit to me as the agreement.
12/08/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 92563	Web
I got a call from Cash Call on XX/XX/2016 and was offered to refinance my mortgage at XXXX % with no costs and no appraisal ( I had recently gotten an appraisal with them, but was given a " bait and switch '' to a higher rate, so I declined that loan. ) This time, they said the previous loan handler screwed up, and they would help me make this one go through. I filled out all their paperwork, emailed them copies of all supporting documents they wanted. They then said they were waiting for a response from the credit union that was holding the loan for my solar panels, which needed subordinating. I waited and waited and kept calling them and asking why the loan was being held up. They kept saying the credit union did not respond. I then contacted the credit union and I now have proof that Cash Call did not notify the credit union until XXXX ( and they promptly responded on the XXXX. ) In other words, Cash Call dropped the ball and did not get the subordination they needed until almost XXXX weeks later - at that time, rates had gone up, so they no longer wanted to honor the offer they made me. Meanwhile, my credit score has the ding of the extra credit score pull, I have wasted all that time and effort getting them docs, and they want to weasel out! It was their fault! They dropped the ball -- not me! To make matters even worse, this is the second time!! The first time ( a few months ago ) I even went through the entire hassle of going through a home appraisal. I kept telling the loan agent that I would only refinance for a no cost rate of 3.75 % and they kept saying " we will work something out. '' After completing everything, filing for the loan, getting the appraisal, etc, they did a bait and switch and came back complaining saying " Come on! After all that work, you wo n't accept a higher rate? We ca n't do the lower rate we had mentioned. '' -- - I reminded them that I had been telling them all along I would not agree to a higher rate. They cancelled that loan, and my credit score plummeted. Now they are at it again!!! What is going on? Do they get money for getting people to agree even if the loans do n't go through???? If you need proof, I have all the phone calls recorded myself ( and they do too ) for which I can provide you the XXXX files, and I have all emails.
11/17/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NJ 08540	Web	Older American
1. On the basis of CashCashcall web ad, XXXX XXXX/XXXX/2015, I filed the application online for 15 year fixed 2.75 % mortgage loan with no closing cost. 2. Cashcall sent me the confirmation but without the rate lock. Then again changed the loan rate at 2.875 % for 15 year fixed with {$990.00} Cashcall Lender fees but again no lock-in rate. 3. on XXXX/XXXX/2015 I talked to XXXX XXXX XXXX XXXX Cashcall and asked to match the rate & terms offered by Quicken loan i.e. 2.875 % fixed 15 year mortgage with {$170.00} lender fees. He asked me send their e-mail so that Cahcall will match XXXX Loan rate & terms. 4. My e-mail of XXXX/XXXX/15 indicated to Cahcall that even though Cashcall Ad shows 2.75 % 15 year Mortgage with no cost, why their disclosure shows it at 2.875 % for 15 year loan with {$990.00} fee cahcall total fees. 5. How ] ever, e-mail of XXXX/XXXX/2015 indicated that the total money required at closing would be {$140000.00} while the title company XXXX Form shows these as {$130000.00} which exclude the Cashcall fee plus the home insurance cost which would definitely be much less than {$15000.00}. I asked the loan processor XXXX XXXX XXXX to provide the detailed explanation for this difference but so far he has not provided me the detailed explanation. 6. Cashcall e-mailed that they did approved my loan but so far failed to provide me the final commitment letter with their promised fees of only {$170.00}. They are using the delaying tactics of asking the XXXX forms of the stocks which I do n't even own now. Well, they e-mail me of XXXX or XXXX at a time asking for the same documents copies which I already gave before. Thus filing to provide the final commitment and the detailed expenses as per their oral promise and making sure that just couple of before the closing they would jack their fees extensively and forced us to p [ ay much higher expenses that their initial disclosed XXXX plus failing to match the promised quicken loan rate and terms. I believe that such practices are not only unethical but may be even illegal. Hence, I seek your immediate help on this matter.
07/26/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92660	Web
Please be advised that a large number of employees at CashCall Mortgage, under Impac Mortgage Corp XXXX id # XXXX have held a long secret, which is churning mortgage refinance applications over and over. I have seen this occur since before 2016 and I do not feel it is fair to the American public or to GSE 's like XXXX XXXX and XXXX XXXX and it is time that CashCall and key violator loan officers at CashCall be held accountable. The managers would look the other way when they knew loan officers were " retreading '' mortgage refinance applications. Shiesty loan officers like XXXX XXXX XXXX XXXX id # XXXX would use his cellular phone so that no call could be recorded showing he solicited the client in order to avoid issues with XXXX XXXX and XXXX XXXX. He also hired his wife to call out and solicit and churn loans over and over every 6 months some loans every 3 months. The matter was brought to the attention of VP at the time, XXXX XXXX and he sweeped thee issued undre the rug due to XXXX XXXX 's seniority at the company. Later, XXXX took XXXX applications with client 's confidential information and solicited clietns that CashCall refinanced while he worked at XXXX XXXX, then at XXXX XXXX and now where he is working at XXXX XXXX XXXX XXXX XXXX. There were other violators of the comapny 12 month retread policy ( to keep things smooth with XXXX XXXX XXXX but many of the managers looked the other way when guys like XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX to fatten their pockets while costing XXXX XXXX and XXXX XXXX money , but by far the biggest offender and most unethical, cunning mortgage loan officer of all time that anyone will encounter is XXXX XXXX XXXX I assure the CFPB if you investigate this mortgage officer 's history, obtain a warrant to search his home or computers you will find that he has confidential borrower information including social security numbers, date of birth, addresses and names illegally obtained from every company he has worked at.
10/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 919XX	Web
In XXXX 2015 I refinanced my home through Cash Call Mortgage Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by Impac Mortgage Loan Servicing Division. The first payment was due XXXX/XXXX/15 and Impac serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even Impac Mortgage account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to XXXX XXXX XXXX ( XXXX ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company XXXX, the {$83000.00} has been suspiciously attached to my account again. On top of all this, XXXX now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at Cash Call or Impac, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from Impac Mortgage to show the suspicious addition and deletion of the {$83000.00}, Thank You.
06/03/2018	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	CA 92101	Web
I have had automatic mortgage payments set up on my account for years with XXXX/XXXX/IMPAC Mortgage. I have not cancelled them nor has my bank account information changed nor has my account contained insufficient funds at any time. Yet XXXX/XXXX/IMPAC has not drafted payments for multiple months now due to unknown reasons starting in XX/XX/XXXX. I was first made aware of the problem after receiving a condescending letter in the mail in XX/XX/XXXX scolding me for not paying my mortgage - no voicemails or emails were received prior to this. I called XXXX 's customer service on XX/XX/XXXX, made all payments over the phone that I was advised to in order to bring my account current. I was told automatic payments were set up correctly and would resume. I also asked if there had been any negative reports made to credit bureaus as a result of their error and was told they would look into it and make sure it was rectified if there had been. Automatic payments did not resume as I was told, and I again received a letter on XX/XX/XXXX saying my account was past due. I AGAIN called, sat on hold, and made payments over the phone that I was told were necessary to bring my account current and again I was told that automatic payments would now resume this time. I was also told that there has been negative reports from XXXX to credit bureaus regarding my account but customer service was unable to do anything about it on the phone. I asked to speak to a manager and the manager told me I would have to open a support request to fix this. I opened a case on XX/XX/XXXX and still have not gotten a response. I contacted the company again on XX/XX/XXXX without a response. Meanwhile my credit score has plummeted from XXXX to XXXX all due to this companies negligence and no fault of my own. The amount of time and effort I am being forced to spend to rectify this company 's errors is not acceptable.
04/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90720	Web
I was approved XXXX XXXX for a loan modification by Impac, the investor of my loan and XXXX XXXX XXXX is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted Impac once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that XXXX XXXX XXXX would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called XXXX XXXX XXXX and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to XXXX XXXX XXXX 3 times and they still claimed they did not receive it. They even received it from Impac and XXXX XXXX XXXX is continuing to refuse to honor the modification. XXXX XXXX XXXX is playing games with me I am so tired I have been dealing with this for months. Why is XXXX XXXX XXXX not honoring the modification that the owner of the loan granted me and that I accepted. Now, because XXXX XXXX XXXX is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting XXXX XXXX XXXX to honor the loan modification that was offered to me, XXXX You.
02/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28012	Web
My mortgage was being transferred, I made repeated calls to CASHCALL to ensure that there would not be an issue with my monthly payment as the transfer of loan was to occur shortly after the normal auto-draft takes place. The auto-draft was set up for the XX/XX/XXXX of every month my loan transfer was to occur on the XX/XX/XXXX. ( XXXX EST ) I spoke to several people at CashCall who assured me that the payment would go through without issue and then the new servicer ( XXXX XXXX XXXX ) would take over. On the XX/XX/XXXX I called CashCall as the auto-draft was not taken out of my checking account, I spoke with XXXX ( ID # XXXX ) who informed me that because the XX/XX/XXXX happened on the weekend that it was delayed but not to worry as it will be taken out and the information would be transferred to XXXX. On the XX/XX/XXXX ( XXXX EST ) I received a debt collection call from XXXX asking for a payment. I confirmed that no payment had been withdrawn from my checking account. On the XX/XX/XXXX I called CashCall ( XXXX EST ) again and spoke with XXXX who had no sympathy for the situation and just said that I needed to set up a new payment with XXXX. I was then transferred to XXXX who had a little more compassion but was only able to reiterate that she could offer no additional solution. The fact that I was assured that the payment situation was being taken care of makes me believe that the transfer of the loan is set-up to require additional work for the customer in the hopes that payments are late so that additional fees/APR can be garnered from the individual. I understand that there is a grace period where fees and APR issues can not occur but without additional checks by the customer this period could have easily past. This practice needs to stop.
06/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 382XX	Web	Servicemember
On XX/XX/XXXX we closed escrow on our home with Cash Call Mortgage/Impac Mortgage. We funded our escrow account with {$310.00} for homeowners insurance. XXXX sent a bill for homeowners insurance to cash call for {$940.00}. On XX/XX/XXXX Cash Call paid {$1000.00} to XXXX for our homeowners insurance. Cash Call sold our loan servicing to XXXX XXXX XXXX in XX/XX/XXXX. We received an escrow activity report from Cash Call on XX/XX/XXXX stating that {$1000.00} was paid for homeowners insurance and leaving a transfer balance of {$770.00}. On our XX/XX/XXXX mortgage bill from XXXX XXXX XXXX was a {$99.00} charge for escrow. When we inquired about this charge we were told by XXXX XXXX XXXX that Cash Call stated that they were owed {$1000.00} on the account. As a side note. In our purchase there are 9 parcels of land. Cash Call paid property tax of {$99.00} and {$77.00} on 2 of the parcels on XX/XX/XXXX. This does not show up in their escrow activity report from XX/XX/XXXX. We contacted XXXX XXXX Loans about paying our property tax for all 9 parcels. They said they were only aware of 2 parcels and would only pay those. At that time we chose to close our escrow account with them and pay our taxes and insurance ourselves. When talking with XXXX XXXX XXXX they said we had to contact Cash Call Mortgage. When we contacted Cash Call Mortgage on XX/XX/XXXX they said XXXX XXXX XXXX has to resolve it. In summary, our questions are : 1 ) If our homeowners bill was {$940.00} why was {$1000.00} paid? 2 ) Why is Cash Call saying 4 months after they sold our loan that we owe them money? 3 ) Why didn't XXXX XXXX XXXX notify us of this claim by Cash Call and add it to our bill? 4 ) Why can't either of these companies tell us what it is for?
03/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Credit decision / Underwriting	CA 92880	Web
We received solicitation from our mortgage lender Impac to contact them regarding extending our loan modification We called were sent an application and submitted all requested documents. We then received a letter stating that the Loan Modification had been approved on XXXX XXXX, 2015. We signed the letter agreeing to the terms and were told the documents would be delivered within 1-3 weeks. We called Impac and emailed several times as documents were never received. We were told that there was a back log at the servicer XXXX and to wait. We were then called and advised that XXXX was caught up and wait. Then we were told that in order to get the documents we had to apply on the XXXX web site and to submit the approval with the documents and they would push the file through based on the approval. We did as instructed with XXXX who kept asking for the same documents over and over stalling the process and submitting the file under programs we never requested. We attempted to reach Impac several times with no return calls. Impac then stated that the approval was not an approval it was a proposal even though the document does not have that listed anywhere it clearly states " Approval '' Impac is doing a bait and switch here. Also XXXX then suggested we do a short sale which we have found is a clear violation of the Home loan Bill of Rights as a short sale can not be suggested after an loan approval has been granted. To date we have no loan documents for the approval of our loan modification. The approval will be attached.
02/04/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 93313	Web
On XX/XX/XXXX of 2019 we signed loan documents in front of a Notary Signing Agent at a XXXX in XXXX XXXX. Those papers stated that our new Refinance Mortgage Payment was going to be {$2300.00} and that we were going to receive at closing {$1900.00}. I called and contacted XXXX XXXX the Processor at Cash Call Mortgage many times to ask him about when was the loan closing because it was taking so much time and he was finding many silly excuses to close the loan late, one time we wrote in one of his emails that every time I ask a question I hold my loan 1 day and the they were low in workers that was why he was taking forever to close my loan. It took about 2 weeks to close my loan after we signed the Loan Documents. Everything was legitimate in our end, paperwork, employment and credit but he was finding the minimal excuses to make the loan late. we were never told that the mortgage payment was going to increase and that we were going to receive less money at closing that we had agreed. We received {$1700.00} instead of {$1900.00} and they also charged some fees that were not disclosed on the signed documents. The fees were {$250.00} one was {$120.00} and it said QCD and the other was {$120.00} for Transfer Tax. The purpose for us to refinance was to lower our mortgage payment from XXXX of $ 2500ish and at the end Cash Call mortgage gave is the same payment. Their practices of doing Loans is not professional at all and they do wherever they please with their clients.
02/10/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92692	Web
Dear CFPB, please assist me in collecting my proper pay from XXXXmpac Mortgage Corp, XXXX # XXXX. I worked for Impac from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a XXXX loans in process. The company then made a back handed deal and got paid for my loans by a company called XXXX, and tried to pawn me off to XXXX to re-do all my loans for a second time. I asked Impac to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel in how they responded to me. Their legal department made threats and accusations against me and even tried to get me fired from my job at the time at Owning. Their CFO reached out to the owner of Owning and requesting that he fire me. They have now began making false statements claiming that the CFPB took a position in their favor when I raised my issue in the past. I have attached the emails between myself HR and counsel for Impac. Please take the corrective action to persuade Impac to do the right thing and compensate me for the loans I originated, most of which had final loan docs drawn, signed or generated. They have had many complaints from former employees against them as they are very anti prior employee and utilize a lot of bullying in their tactics of dealing with prior employees.
05/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 917XX	Web
I refinanced with Cash Call Mortgage in XX/XX/2021 and received a letter XX/XX/2021 that my loan would be transferred to a new lender. Sometime in mid-XX/XX/2021, I received two mortgage statements. One from Cash Call and the other from XXXX XXXX XXXX. Both statements were due on XX/XX/2021 and were nearly identical and had the same loan amount and interest rate. The only difference is that XXXX did not include escrow payments. When I spoke with a representative from XXXX, they informed me that the loan was transferred to them on XX/XX/2021. When I spoke with Cash Call on XX/XX/2021, they are denying that the loan was transferred to XXXX and that there was no transfer of the loan at the time. Both parties were requesting payment of the mortgage on XX/XX/2021. I have spoken to Cash Call customer service representatives multiple times but no one has resolved the issue as to why I have two nearly identical mortgage payments due. I am now concerned because I believe that Cash Call could be committing fraud by collecting on my loan that was transferred or they may have released my private information to a third party. I have called XXXX and Cash Call multiple times to clarify the issue with no concrete response. As of XX/XX/2021, the issue still has not been resolved and Cash Call representatives have not informed me as to why XXXX has my loan info and why they are requesting payment.
11/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90034	Web
I refinanced my home with CashCall Mortgage in XX/XX/2019. They transferred loan servicing to XXXX effective with the first payment on XX/XX/2019. I set up autodraft for the payment, and the first payment was successful. Two weeks later I received notice that the loan had been sold to XXXX, and the servicing was now being transferred to XXXX XXXX where I also set up a new autodraft. The notification from XXXX states in bold letters across the top : No action is required on your part. On XX/XX/2019, the prior servicer, XXXX, pulled a payment in the amount of {$3300.00} for a loan they no longer held servicing rights to. On XX/XX/2019, XXXX pulled their regularly scheduled payment as they now hold servicing rights to the loan. I contacted XXXX, authenticated in the IVR, opted to speak to an agent ( who required full authentication AGAIN with the same information! ), shared the information above and asked how this would be resolved. He said that since this was no longer showing as an active loan in the system, he had no information including the payment drawn on XXXX XXXX. He recommended that I write to XXXX to request a refund. I have reached out to XXXX as directed, and am also lodging a complaint here as this should not have been necessary on my part based on the formal letter received from XXXX.
10/20/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 93035	Web	Older American
I presently have a loan with Cashcall, which was completed approximately 4 months ago. As interest rates have improved, I decided to go back to Cashcall for a refinance. After completing the necessary paperwork, I was told I had loan approval. In fact, I signed the loan documents with a notary. Loan number is # XXXX. After loan documents were signed, Cashcall indicated that XXXX and XXXX loan requirements had changed, stating that my Roth IRA account could no longer be used as qualified income, as I had used in the first loan. ( I submitted a letter from XXXX, showing the monthly distribution, which I offered this time as well ) After researching this " new '' requirement from XXXX and XXXX, I was unable to find anything online to support this statement. I believe this is untrue. XXXX XXXX and XXXX XXXX from Cashcall indicated to me that an automatic IRA distribution for persons over XXXX could only be used as qualified income. I notified Cashcall that I only have a Roth IRA, which does not require an automatic distribution. This is the same Roth IRA that I used for the first loan with Cashcall! I made numerous attempts to reach them, both in phone calls and emails, with no response whatsoever. I believe they are discriminating against me because of my age.
04/14/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 95765	Web
I started a loan with Cashcall XXXX Escrow through XXXX XXXX file # XXXX. After several hours of calls emails and a written request from an attorney I finally received a completely different closing statement however the figures are still all off. I would like my money as soon as possible. My loan at $ XXXX I was given a lender credit of {$1000.00}. I made every payment and my loan payoff was only {$380000.00} so where is the {$1500.00}? I received one check for {$650.00} on XX/XX/XXXX and a second for {$19.00} on XX/XX/XXXX from title, therefore where is the {$890.00}? Escrow and closing costs are resolved, this is purely on the loan issue. The various closing statements Ive received do not match as follows : XXXX XXXX ( prior lender ) they paid through XX/XX/XXXX and paid you more at {$380000.00} which is {$140.00} missing. Per your closing you are charging form XXXX which is another {$400.00}. Therefore I see whereas I am owed {$1400.00} minus 2 days interest at {$40.00} a day is a total of {$1300.00}. I have spent so many hours on this getting the run around for months. To the point whereas I had to have my attorney send a letter. I expect clear and concise records and a refund with interest for my missing funds.
08/29/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 93063	Web
I am writing to lodge a formal complaint about the theft of funds from my escrow account from my XXXX Mortgage. I had a previous mortgage with XXXX and did a cash out refinance with XXXX that was effective XX/XX/XXXX. When I received my final settlement escrow papers from XXXX XXXX XXXX there were extra fees include in it that was not disclosed in my signed Closing Disclosure Documents. Because of the additional fees, XXXX took the {$1400.00} from my prior escrow instead of refunding the amount that was in my prior escrow. I did authorize that to be done that way and I certainly did not agree to any extra fees that were not disclosed upfront. In my signed Closing Discloure Document, my loan amount was to be {$270000.00}, when I received the Escrow statement in the mail the amount is now {$270000.00}. I certainly did not agree to that amount. I have attempted to contact my loan servicers XXXX XXXX and XXXX XXXX at XXXX and neither of them has gotten back to me to discuss this issue. I also attempted to contact XXXX XXXX from XXXX XXXX XXXX about this issue and have not heard back from her. The tacking on of the additional fees and stealing the funds from my prior escrow represents fraud and outright theft.
04/03/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91754	Web
Cash Call contacted us to see if we wanted to refinance the mortgage loans we have with them for a noticeably lower rate. They said that it would be very simple and not difficult since they could use the prior applications they have on file to approve us. We went through this and throughout the process it was not as simple as they initially stated. They then drew up the loan documents and had us signed them stating that the loan was approved and therefore with the signing of the loan documents it would close within 72 hours. We signed the documents. A few days later we get a call stating that there were several other pieces of information that they needed with additional information being on items not relating to the property being refinanced. Totally unrelated documents were being asked for such as rental agreements on other properties and documents of other properties. They never closed the deal. As signing the loan documents there was a clear agreement and commitment on their part. Cash call always has documents signed and then comes back for more documents/information as they know people will more than likely submit more information versus saying no after they say no further documentation is needed.
12/02/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	CA 925XX	Web
XX/XX/2016 started loan application with CashCall Mortgage. By XX/XX/2016 I had provided them with all requested documents. The appraiser they selected cam out XX/XX/2016. The agent was telling me he had locked our loan at 3.625 % no fees and cash back loan 30 yr fixed. Said he needed all docs signed and sent back. I informed him he had not sent me anything. He tried to send them by XXXX XXXX, but said they were having problems with the software. The processor was able to send them to me and we electronically signed them and got confirmation from her that she received them the same day XX/XX/2016. The agent then calls me and tells me they are not going to fund the loan because the lock is going to expire and I did not get them the docs back in time. They sent us a XXXX with the same docs that we signed electronically, and we sent it back also the same day. I argued and asked to speak to his manager. That has never happened, and our loan has not funded. I am extremely upset about this. I need some help to get this loan funded. Closing Disclosure dated XX/XX/2016 signed the same day. Closing date was to be XX/XX/2016 and Disbursement Date XX/XX/2016. Please help.
04/11/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	IL 60609	Web	Older American
I contacted XXXX XXXX at Cashcall Mortgage for a HELOC to consolidate three bills. He asked me for all of my documents to verify my income and then on XX/XX/XXXX ; he asked for my permission to run my credit for a HELOC. XXXX XXXX told me that the payment for the HELOC was just {$590.00} per month. I told him that I could pay this standing on my head and for him to proceed. Instead of XXXX XXXX putting in my HELOC application ; he put in a false application for a refinance. A licensed broker can not intentionally put in a false application! This broker committed fraud when he filed a phony application to refinance my home! Then, his boss contacted me and asked me not to file any complaints against XXXX ; stating that XXXX XXXX just came back from leave. He stated that he could have the credit inquiry removed from my XXXX report. No U.S citizen should have to deal with these types of criminals. Now, I have this mortgage inquiry on my file till XXXX ; because of this broker 's deceit! I will be filing a complaint against him with the Dept of Regulations in Illinois. Since he signed onto their website and put that false refinance application in!
11/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91750	Web
I make additional principal payments every month. I also run a loan payment program to assure my numbers agree with the XXXX XXXX XXXX statements. The lender and I disagree most months by one cent, always in XXXX 's favor, but in XXXX of this year there was a significant discrepancy in the balance. I called the " contact us '' number on XX/XX/2018 and spoke with XXXX ( # XXXX ). XXXX told me lender had moved {$530.00} in error from my principal payment to the escrow account. I told XXXX that I wanted the error corrected and I requested a written accounting of the error, correction, and balances to demonstrate I have not been injured in any manner. XXXX sid she would send an explanation and correct the problem. Neither occurred. On XX/XX/2018, XXXX XXXX, after holding for 42 minutes, I spoke with XXXX ( # XXXX ). I attempted to explain the error and lack of correction and lack of requested documentation. Rather than assist me, XXXX placed me back on hold until the call center closed and my call was disconnected. Twice I have sent a message through the " contact us '' at XXXX XXXX XXXX XXXX XXXX and not received a response.
12/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91331	Web
My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website.
11/15/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90712	Web
In XXXX XXXX I was looking for lenders to refinance my home and Cash Call was the lender I was dealing with at the time, XXXX XXXX was the loan XXXX he issued me a Loan estimate on XXXX I disagreed with the offer, I told him the payoffs were off quit a bit come to find out XXXX ordered payouts from both my mortgages and I was billed for it on my monthly mortgage statement {$25.00} dollars and never gave me a copy and I requested it after I learned what he did, he did worse than that he change my Home owners insurance XXXX payee to IMPAC MORTGAGE CORP DBA CASH CALL and removed my current mortgage provider. XXXX never informed me of anything is a matter of fact I emailed him after receiving the loan estimate informing him to lower the rate and fix the errors he ignored me and changed my insurance policy anyway very pushy the company puts a lot of pressure on consumers, in other wards if something happen to me cash call would be getting paid instead of my current lender. first of all that should be illegal second of all I never had a financial agreement with them.
11/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95648	Web	Servicemember
Impac Mortgage dba XXXX XXXX is my lender and servicing company. Over the last 6 months I've had to call and fight with them about a late fee that they hit me with. I have a grace period through the XXXX of each month. I make sure that the payment is in the mail like last month was on the XXXX. The address that I send my payment to is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I live in XXXX, CA and have a father in law that lives in XXXX XXXX. We send him mail on a regular basis and never has ever taken more than 4 days for delivery. I have an Insurance co in XXXX XXXX that I mail payments to and it never takes more that 4 days to deliver, but for some reason Impac Mortgage takes 10 days. I then end up with a late fee that I have to fight about. So XX/XX/XXXX I mail the payment and it was not processed until XX/XX/XXXX. I feel this a way for them fleece their customers. I will be moving this to an online payment so to avoid this in the future but It just grinds on me that they do this and then I have waste my time fighting with them. thanks XXXX XXXX XXXX, CA
08/29/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80234	Web
We are attempting to get a refinance on our house to pay off a higher-interest mortgage and perform some home improvements. We chose XXXX, part of XXXX. We are approaching the THIRD time we have had to sign papers because of constant blundering by XXXX. First it was because, even though the waiting period of 3 years from a " deed in lieu of foreclosure '' on our previous house, for some reason it was not recorded for a month and XXXX had not even checked, delaying our signing a month, but they didnt notify us until AFTER we had done the first signing and were expecting the cash out from our refinance. THEN they told us, AGAIN after signing and on the day we were expecting the wired funds from the cash out, that with an FHA loan no extra cash could be taken out. AREN'T THEY SUPPOSED TO ALREADY KNOW THESE THINGS? Now, after signing TWICE they are requiring proof of my latest pay raise, after which I'm led to believe the loan will have to go back to the underwriters for approval ... which will require ANOTHER signing! These people are incompetent!
03/13/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 956XX	Web
After four months of being lied to and thousands of dollars spent ( because that was the only way we were going to refinance through FHA ) XXXX XXXX dropped the ball. This has been a horrible experience. They asked us to give the a foundation certificate ( among other items we have provided ) that we gave to them months ago. Then at the very end of our loan ( 4 months ) said we needed to re-due the foundation with in a week or they cant help us per FHA. FHA does not require this. It comes down to the fact that we have a manufactured home ( in great shape ) and instead of telling us at the beginning of this four month process that they weren't going to refinance manufactured homes any more, they gave of a list of items that they were in hopes we could not provide. This last item would cost several thousand dollars, they new this. They have ruined our credit ( we had to max out all credit cards and spend all of our savings to replace roofs, windows, etc. I have emails and documentations to prove that they told me several things that were not at all true.
06/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91701	Web
Just discovered that we have been misled and lied to by Impac mortgage/Funding group who is the investor of our mortgage serviced by XXXX XXXX XXXX. Just yesterday I spoke with XXXX XXXX XXXX who assured me that the denial of the loan modification was actually made by Impac and not XXXX XXXX XXXX. Since XXXX 2016, I have been in contact with Impac Funding group and each time we were told and reassured that XXXX XXXX XXXX is the problem., by failing to send them a packet for Impac 's review Someone is not being truthful. We need this investigated because there has so many violations by both Imapc and XXXX XXXX XXXX. Impac carries the note and should be able to override XXXX XXXX XXXX but they have refused to do so. We have been charged an interest only loan which is illegal which will reset twice in six months. It was reset in XXXX 2016 and our payment increased {$1000.00}. from {$2900.00} to {$3900.00}. In XXXX the payment will be {$5800.00} which we can not afford. All interest only which is an illegal product.
05/19/2017	Yes	Mortgage VA mortgage	Closing on a mortgage	CA 92881	Web	Servicemember
On XXXX my wife and I executed a contract with Cash Call to refinance our mortgage. The Closing Disclosure forms that we signed indicated a total closing cost of {$2100.00} and cash to the borrower of {$11000.00}. When the everything funded and closed, the closing costs had nearly doubles to {$4000.00} and the cash to the borrower was reduced to {$9400.00} These changes occurred without Cash Call informing my wife or me of the change. We were not asked to sign or execute a new contract or an addendum to the contract. As a veteran, specifically of the XXXX XXXX , I received what I thought was playful teasing about XXXX 's and their relative intelligence as compared to a someone in other branches. I now wonder if this was in fact a true bias that has resulted is disparate treatment. Bottom line is that I simply do not understand how a lender can make material changes to the closing costs and our cash out amounts after we signed/executed a contract.
04/07/2017	No	Mortgage Conventional fixed mortgage	Settlement process and costs	NJ 07731	Web
I refinanced my mortgage with cashcall mortgage and was told there would be no costs at all to me. The loan officer insisted that they needed to add the amount of my next tax payment into the loan amount and that they would pay this payment even though I would be paying all future tax payments directly. This is all well documented in the closing settlement statement, but when I called to check the status of them paying this tax payment, I was told that they were not paying this as it was not an escrow account. I finally spoke to a supervisor ( in XX/XX/2017 ) and he acknowledged that something was not handled correctly and that I would be informed of their resolution by XX/XX/XXXX. As of today ( XX/XX/XXXX ) there still is no resolution, just stalling by this same supervisor who says that there is no person above him that can help me and there is nothing he can do. This is obviously mortgage fraud and they owe me {$1600.00}. The supervisor is XXXX ID # XXXX
07/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07093	Web
On XX/XX/2019 the amount of {$3700.00} was taken from my escrow account with Cashcall XXXX Mortgage and never applied to my property taxes. I have called multiple times to try and resolve this situation. During my calls the operators have acknowledged that this appears to have been a mistake on their part as my taxes due were in the amount of {$3600.00} and the incorrect amount of {$3700.00} was taken from account allegedly to pay my property taxes which did not happen. I had made calls on XX/XX/XXXX, around XX/XX/XXXX and again on XX/XX/XXXX to report this problem. Each time I call, I have to start from the beginning and they say they are escalating me to a supervisor and then to the tax department. Each time with no specific resolution. I was told on during my call on XX/XX/XXXX, that I would be getting a refund check in the mail once this was resolved which I never received. The amount of {$3700.00} was stolen from me by Cashcall Mortgage.
02/27/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91977	Web
I have received a letter in the mail stating our loan has gone into initiating a forclosure. I signed up for bank draft on XX/XX/2018 via email. I filled out their bank draft form and mailed to the address stated on the form. I thought this amount was being drafted every month. I received no phone calls telling me otherwise. Im now going to over night a check to this company in hopes of repairing the state of this loan. Also, I spent XXXX minutes on the phone with my loan care/cashcall. I finally hung up. XXXX minutes is a ridiculous amount of time to spend waiting. After my XXXX minutes waiting I decided to see if there were other numbers I could use to contact someone and it was the same music, the same prompts, the same wait. I hung up on these numbers also. No wonder my mortgage wasnt getting paid every month via bank draft. They probably messed something up on their end. Furious.And where were the phone calls? NO ONE CALLED ME!
10/15/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92692	Web
Hello, I worked for a mortgage lender, XXXX XXXX XXXX, NMLS # XXXX from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a 67 loans in process. I asked them to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel with me. Their legal department made threats and accusations against me and even tried to get me fired from my job at Owning by reaching out to the owner of Owning and requesting that he fire me. This company is very shady and I do not want them to get away with what they did to me and many other employees. Furthermore, they need to compensate me for the loans they never paid me for. Please see the attached emails between myself and Impac 's HR and counsel.
05/08/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 90220	Web
I made a payment to my mortgage company online on XXXX / XXXX / XXXX . The online instructions said that because the payment was made on a Saturday, it would not post to my account until Monday XXXX / XXXX / XXXX . They payment was posted and funds were successfully withdrawn from my checking account on XXXX / XXXX / XXXX . I have attached proof from my bank account showing the check was paid in full. This information has been provided to my loan servicer. My mortgage company then reversed the payment and says that bank did not honor the online check. My mortgage is now showing 30+ day s past due and a late fee has been assessed. I submitted proof that the funds successfully came out of my account on XXXX / XXXX / XXXX and disputed the reversal. They keep telling me they are looking into it and have not made any corrections.
10/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85225	Web
On XX/XX/19 I made two mortgage loan payments however, the payments were misapplied to the same property. I contacted my mortgage servicer ( Cashcall mortgage/XXXX ) to resolve the error. I was told the reversal was being done however, any credit reporting would have to be requested online via email. Unfortunately, it took approximately 30 days for the matter to be corrected because the initial customer service agent made an error which closed the task ; the second agent did as well. As a result, a second negative late payment was generated and sent to the Credit Bureau. I was instructed to contact them by email to generate a ticket which I have done but the site does not generate a ticket. I have faxed XXXX 7 days ago with a copy of the auto message that is generated after submitting an email with no response.
03/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92663	Web
XXXX XXXX XXXX DBA XXXX XXXX. Three months in a row they have charged me a {$99.00} late fee saying they have received my payment late. Each time I mailed my payment out with plenty of time to arrive before the XXXX of the month. This month I put my check in the mail on XX/XX/XXXX. They say they did not get my payment until XX/XX/XXXX. I am mailing my check from XXXX XXXX CA and their processing center is in XXXX XXXX XXXX XXXX CA. That is about 15 miles away. There is no way it took 12 days to receive my payment. I have a feeling I'm not the only one they are pulling this on. Tacking on an additional {$99.00} on to thousands of customers seems like a great way to make some quick cash. Please look in to this, I seriously think they are defrauding a lot of people using this method. Thank you.
09/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75093	Web
Servicing of my mortgage was transferred from CashCall to XXXX. Despite this transfer having taken place and my CashCall account reflecting a XXXX balance, CashCall auto drafted a mortgage payment ( in the amount of XXXX ) from my checking account on XX/XX/2019. Subsequently, XXXX, the rightful servicer, properly auto drafted a mortgage payment from my checking account on XX/XX/2019. When I called CashCall, they informed me they had no record of them having taken a payment on XX/XX/2019 and that it would be several days before they could verify and potentially issue me a refund, putting me at risk of overdrafting my checking account. I subsequently requested my bank, XXXX, to reverse the CashCall auto draft. This requires me to go through a lengthy claims process with XXXX
01/16/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90047	Web
I applied for a " streamline XXXX XXXX refinance '' on XX/XX/XXXX with CASHCALL MORTGAGE company located at XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX Loan Agent - Team 7 \| NMLS # XXXX, with the knowledge provided to me that I would get a loan between 3.750 to 3.875. They pulled a bait and switch on XX/XX/XXXX ; XXXX XXXX had another person XXXX XXXX speak with me trying to put me in a hire loan rate, telling me the new loan rate would be 5.1 and an investor loan for an owner-occupied property. I asked why when I live in the property. I spoke with XXXX XXXX and asked for XXXX XXXX because I wanted to see if they would remove the hard inquiry on our credit reports since the loan could not be made as informed. XXXX XXXX informed me that XXXX XXXX was gone for the day.
05/10/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA XXXXX	Web
I applied on the internet for a lower rate to refinance a mortgage. I was called by a person named XXXX XXXX from XXXX mortgage. We spoke on the phone and I gave him some personal financial information including my social security number and my address. After hearing his sales pitch I stated that I would be in touch if I decided to use his company. Five days later I received a packet in the mail. It was a loan application that I did not request. This application contained my SSN, address, my profession, credit scores. banks I use and other personal information. I am not happy with someone so carelessly sending my unrequested private information via a medium where it is so easy to steal. XXXX again the person 's name is XXXX XXXX. XXXX mortgage file # XXXX. Thank you.
07/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92806	Web
Mortgage was transferred from IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE to XXXX XXXX XXXX I receive notification of transfer on XX/XX/XXXX that the transfer would happen on XX/XX/XXXX. I tried to cancel the auto payment to IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE and I also called to try and stop the payment. They stated that the auto payment was already started. OnXX/XX/XXXX, Cash Cash took the mortgage payment of {$910.00}. I called XXXX XXXX to Notify them that Cash Call had taken my payment, XXXX XXXX told me that they were going to take a payment also. I told them that I didn't have enough money in my account for two mortgage payments. But on XX/XX/XXXX XXXX XXXX took another payment leaving me with an almost {$0.00} balance after outstanding payments.
08/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92562	Web
In XXXX of 2020, CashCall Mortgage transferred the servicing of my loan to XXXX XXXX. On XX/XX/2020, CashCall withdrew {$1500.00} ( a mortgage payment ) from my account. I was not sent an email notifying me of this transaction as was the protocol for all other payment receipts. When I saw my bank statement, I contacted the company and was told that a refund check had been issued. Unfortunately, I was told that it was sent to the property address not my mailing address. The property does not receive mail. I have contacted the company numerous times over the past 3 weeks ( it has been over 7 weeks since withdrawn ) to seek refund. I have spoken with supervisor XXXX XXXX on the last few calls and am promised resolution, but none is forthcoming.
07/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
Loan Number : XXXX XXXX XXXX XXXX / Cashcall Mortgage From : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX Regarding : XX/XX/XXXX payment did not get applied. The payment was made and is shown as as funds received, but not applied to the balance, nor escrow. I have contacted the servicer a couple of times and received no response. The servicer transferred my loan to another/different servicer starting in XXXX and they also have no record of my {$1400.00} payment from XXXX. Please help me received a refund check in the amount of paid and not applied to the loan, {$1400.00} last month. Where can I send supporting documents? Supporting attachments : Monthly statements from XX/XX/2020 and XX/XX/2020 Payment history ledger
03/06/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	CA 94544	Web
Reason ; The reason for my complaint is that in our current loan refinancing with cashcall mortgage, we have not been treated fairly in the refinancing proccess. What happened ; Started refinancing with cashcall mortgage in XX/XX/XXXX and still have not funded our loan. File Complaint ; Cashcall mortgage loan rep XXXX XXXX and loan processor XXXX XXXX have caused a lot of pain and suffering in the last 3 plus moths with the continuous lies about funding our loan and not delivering. our last update was XX/XX/XXXX from XXXX XXXX telling us that our loan was funded and of course it has not. Company Involved ; Cashcall Mortgage Who are the people involved? XXXX XXXX ( Loan Rep ) and XXXX XXXX ( Loan Processor )
03/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96815	Web	Servicemember
XXXX XXXX just kept making errors in calculating the P & I payments they deducted directly from my bank acct, they were doing right for the first 2 months, until I paid $ XXXX to the principal, and again another $ XXXX to the principal, and since they kept making the XXXX up errors! I sent them emails to ask them to correct it, w/ my own calculation based on the mortgage calculator, still, the people there didn't listen, and I do want to pay them off, at the correct amount of loan I took from them, not the numbers they showed on the statement, and I put a stop to my local bank for the new loan to pay them off, not to pay XXXX until they come up w/ the correct number I made for them to follow. Correct numbers!
11/20/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ID 83634	Web	Older American
In XXXX, my mortgage with Cash Call was sold to XXXX XXXX. During that transaction, Cash Call erroneously debited by account for an extra mortgage payment ( {$910.00} ). I immediately contacted Cash Call, but the refund check was sent to my previous address. I have contacted Cash Call 5 times over the past 4 months. Each time, I am assured the check will arrive within 5 business days, but it never does. I have also been told 1 ) the check will be sent overnight, which it wasn't, and 2 ) they will apply the money to my next payment, which makes no sense as Cash Call no longer holds the mortgage. Impac Mortgage Corp., dba CashCall Mortgage XXXX XXXX XXXX XXXX, CA XXXX
05/01/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MN 554XX	Web
I am trying to looking for lending information for a mortgage company, XXXX XXXX, ( XXXX XXXX XXXX/ ), to help make a mortgage application decision. I went to CFPB Home Mortgage Disclosure Act Mortgage data to look up this company. However, the last mortgage origination I can find is in XX/XX/XXXX. There seems to be no mortgage origination from this company after XX/XX/XXXX. And I find that there were several lawsuits filed again that company. It is very important to know the company 's lending history before making a decision. I do not know if this company actually did not originate any mortgage from XX/XX/XXXXto XX/XX/XXXX. Or they reported under another name.
05/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80015	Web
Refinanced my house with Cash Call Mortgage ( CCM ) First payment made on XX/XX/2020 Principal {$480.00} + Interest {$740.00} + Escrow {$410.00} Total {$1600.00} with additional payment of {$500.00} towards principle. Without any notification from CCM my loan was transferred and only got to know through a confirmation letter from XXXX XXXX XXXX dated XX/XX/2020. Now the issue is that although additional payment of {$500.00} shows in CCM Payment History under Due Date XX/XX/2020. But the Total Loan Amount of {$230000.00} shows on XXXX XXXX XXXX Statement instead of {$230000.00} This issue is still not resolved by the CCM since XX/XX/XXXX. 2020.
11/04/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	WA 98513	Web
I filed a complain with IMPAC MORTGAGE COMPANY and until today I still not receive from them the disclosere of why I was XXXX know its a state law to provide me in 3 days those discloseres..Today is the XXXX of XXXX and I still not receive the documents.I was refused on the XXXX XXXX XXXXBecause of the stress that this company put us true ( see complainXXXX ) my wife has a XXXX XXXX XXXX and because of the intense stress that IMPAC MORTGAGE done to us we XXXX XXXX XXXX.Is not normal to do things like that to people.With no reason they are declining loans.Until today no answers why.I think this is discrimination.
04/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90022	Web
My old loan company CashCall Mortgage sold my loan to another mortgage company XXXX XXXX XXXX. In the process my payment for the month of XXXX was lost. I paid my old loan company CashCall on XX/XX/XXXX for the month of XXXX And that payment was not received by the new loan company. Ive been back and forth with the old and new loan company and both have said something different and Im being penalized for the month of XXXX because they took my XXXX payment and charged it for XXXX. Its been almost two months since the transfer and that payment is no where to be seen.
03/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 908XX	Web
When I began to refinance for my house last year, I was told that after the refinance was done that I could have my insurance and property taxes impounded monthly in an escrow account WITHIN A MONTH AFTER THE CLOSING OF THE REINANCE. After almost 6 months, I 'm getting the run around by the insurance company, which just asks for more time, and no results have been forthcoming. We paid for the taxes and insurance, but there does not seem to be any good faith effort to get back to us in establishing the impound account for Cashcall account # XXXX.
01/17/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 93711	Web
I want to respond to my complaint that I filed for # XXXX. The company that I have identified is part of XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX. XXXX. XXXX bank is working on behalf of IMPAC XXXX XXXX Corp. Mortgage Pass-Through Certificates, XXXX XXXX. I was sent a letter by XXXX XXXX XXXX and it was stated that XXXX was working on behalf of IMPAC and was my investor. I need help for my home and I want to keep my house. Please check to see if this Investor is legal and is being investigated by The Dept of Justice ( DOJ ). Please thanks.
04/01/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95127	Web
I was doing a refinance on my home. A family member told me cash call was giving a 3.25 interest rate. So I call. I go through the whole process and even got the paper work notarized. I though it was a dont deal. Boy was I wrong they call me yesterday and told they will not finance my loan. The reasoning was that they couldnt sale any of the loans they had at this time because people arent buying them. This just blew me away how they could back out of a signed contract like this. Is there anything I can do? Is this my problem or cash calls?
12/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92110	Web
We refinanced our house and included payments to our creditors in the amount of the new loan. The lender, Cash Call Mortgage, wrote checks to pay the creditors directly, but one of the creditors did not receive the check. We have requested a new check for two months now since now we are technically paying for this debt twice at this point- We have already started making payments to Cash call including the amount that should have been paid to the creditor as well as making payments to the creditor until we receive the new check.
02/26/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
On XX/XX/2017, XXXX XXXX charge late fees in connection to my mortgage in the amount of {$100.00}. I have paid my mortgage bills on time, and I wrote them twice about this matter, and they never responded to my letters or my phone calls. I have documentation of my payments shown in my bank account statements, and have the letters that I mailed them. I am requesting them to refund me back the {$100.00} because I was wrongly charged. I would also like them to remove any bad remarks they sent to the credit bureaus Thank you.
03/23/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 11701	Web
XXXX XXXX XXXX and IMPAC/XXXX XXXX are charging my husband and I 5 % interest for our monthly mortgage. I understand that this rate is too high. I spoke with another mortgage company that I plan to refinance with and they stated that I should file a complaint against these XXXX companies since they are charging such an enormous interest rate. In addition, I was advised that this interest rate is even discriminatory because my husband and I are XXXX XXXX and are making a fairly decent income.
08/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92886	Web
My loan was transferred from Cashcall/XXXX to XXXX XXXX XXXX, however the loan amount transferred was incorrect. I have reached out to both companies but have not received a corrective action. The transfer occurred on XX/XX/19 the correct amount of the transfer is {$180000.00}, however XXXX XXXX XXXX is showing a transfer amount of {$180000.00}. Both companies are blaming the other and pointing fingers and I'm caught in the middle, I'm seeking your assistance in resolving this matter.
02/29/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92629	Web
For 4 to 6 weeks trying to close a mortgage. After laboring to get all the documents to them they had everything & I paid for an appraisal. Then they needed veiication of tax return from IRS. This took several weeks to get & then they said they couldnt accept it from me ( I faxed everything from the IRS ) IRS had to send it to them & they could not retrieve it because my account was blocked because of fraud??? This is Cash Call in XXXX XXXX XXXX XXXX I am more than frustrated.
10/13/2017	No	Mortgage Conventional home mortgage	Trouble during payment process	CA 92109	Web	Older American
Cash Call Mortgage has consistently booked my monthly payments incorrectly resulting in excess interest being charged on a monthly basis and an incorrect outstandling balance on the loan. Cash Call made some " corrections '' to the account but those " corrections '' are erroneous also. They have been uncooperative during the entire time I have dealt with them regarding these problems. They are arrogant and rude whenever I 'm able to get a representative on the phone.
07/24/2017	No	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OR 97225	Web
I previously requested a letter from XXXX XXXX XXXX regarding the incorrect reporting of a mortgage which they claim was delinquent ( 60 days late ). The letter provided was insufficient and lacked any details. These errors were reported to all 3 credit bureaus and negatively impacted my credit scores. The credit order # from my lender is XXXX, which reported my loan as delinquent ( 60 days late ), which pertains to a recent refinance through XXXX XXXX XXXX.
09/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95628	Web
Called mortgage broker XXXX XXXX @ Impac Mortgage XXXX/XXXX/16 & requested he re-establish my escrow acct. He said he would. Called Cashcall XXXX/XXXX/16 XXXX am. Spoke to XXXX. She said she would set up escrow acct & have insurance agent send her the bill. Called Cashcall again on XXXX/XXXX/16 & spoke to XXXX. He apologized for XXXX not setting up escrow acct & said he would set it up & would expedite it thru his manager. Escrow acct still not set up.
05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 902XX	Web
Was informed by credit monitoring services that unauthorized credit pull was made by Cashcall mortgage ( XXXX XXXX ). Called XXXX XXXX at Cashcall mortgage to request that the unauthorized credit report that was pulled be provided to me immediately for my records. I was told by XXXX XXXX that company policy was NOT to issue credit reports. That is a flat out blatant lie, and I have attached documented proof that is a flatout blatant lie!!!
12/21/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 95757	Web
XX/XX/XXXX We had a balance in our escrow account of {$1400.00}. We refinanced and instead of refunding the amount to us because they had just paid our taxes XX/XX/XXXX they applied the balance to the new loan. From our understanding we did not need cash to close. I asked the mortgage company about it and they said because we are refinancing with the same company they are allowed to use the escrow balance for the new loan. Is that correct?
04/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 752XX	Web
I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.
07/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85213	Web
Apparently, according to XXXX XXXX, cashcall mortgage has sold my mortgage to XXXX XXXX. However I have still not received any notification of this fact from cashcall mortgage. It is not clear if I should send my payment to the new company who seems legit and has apparently purchased the mortgage legitimately because I can get no response and no answers from the current servicer despite repeated phone calls and emails.
06/10/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92804	Web	Older American
XX/XX/XXXX received more foreclosure documents. They are refusing to accept the principle payment to the loans with the understanding that the interest will be paid at the end of the term. If there are terms withing the loan documents that are opposite of this practice, then it was done illegally and without my knowledge. They need to stop the foreclosure process immediately and revisit the laws of this country.
10/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MA 02155	Web
I had applied for a loan modification, I was approved, but I by mistake did not pay the exact amount for the first two months of the loan I paid {$60.00} less per payment in error as I was paying off the stubs. They then took the loan back and declined me for the loan, I have tried to reapply and they have continued to deny me for a new loan. Now the bank is saying they are going to foreclose.
08/27/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 919XX	Web	Servicemember
I currently have a loan with cash call mortgage. cash call did not provide my note in the closing documents. Therefore, when I went to refinance my mortgage I could not complete the refinance without the note. I called cash call on several occasions and they promised me they would send the note. Finally, I realized this was done on purpose to keep me from refinancing.
07/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 446XX	Web
Cashcall Mortage appears to have sold my loan to XXXX. I received a mortage statement from both companies dated XXXX for payment due on XXXX. I did get a hello letter from XXXX. I contacted Cashcall and my auto debit was still pending for XXXX and they stated on the phone they never sent out a good bye letter as they should have.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92614	Web
On XX/XX/2020, Cash Call Mortgage Company ( CCM ) located at XXXX XXXX XXXX XXXX, CA XXXX ran my credit without my permission. I found out through notification from my credit company ( XXXX ). I called chase and asked to freeze my credit. This is an identity theft.
11/15/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 78759	Web
Im refinancing my home. The lender sent federal loan estimates with lender credit. The title fees ended up being less expensive and now they trying to decrease the lender credit by a proportional amount. From what Ive read this is a TRID violation.
10/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92109	Web	Older American
Cash Call Mortgage has consistently mishandled my monthly payments and not properly booked payments that I have made towards principal. As a result, my interest expense has been too high and my principal balance is too high.
08/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 956XX	Web
Just refinance house with cashcall mortgage, they are withholding funds from the loan. I have the payoff amounts on my house, and they overpaid and should have to reimburse me
06/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80517	Web

02/26/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91791	Web

02/05/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90710	Web

10/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94542	Web

09/08/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91901	Web	Servicemember

08/24/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CO 80525	Phone	Older American

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92078	Web

05/08/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage		Phone	Older American, Servicemember

05/07/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29045	Referral

05/01/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29045	Referral

04/30/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91761	Web

04/24/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 90503	Web

04/22/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30022	Web

04/16/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CO 80120	Web

04/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95127	Phone

03/30/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33139	Web

03/24/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90035	Web

03/17/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90038	Web

02/07/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92649	Phone

11/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89148	Web

11/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77494	Web

10/14/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	MT 59807	Web

09/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94589	Phone	Older American

09/13/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 48075	Web

08/15/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91331	Web

07/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08701	Web

04/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92083	Postal mail	Older American

03/07/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92706	Web

02/05/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95125	Web

01/18/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91030	Web

12/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95125	Web

11/09/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	UT 84601	Web

10/29/2018	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95838	Web	Older American, Servicemember

06/27/2018	No	Mortgage Other type of mortgage	Trouble during payment process	CA 90020	Postal mail

05/09/2018	No	Mortgage Conventional home mortgage	Trouble during payment process	TX 77494	Web

04/11/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CT 06831	Web	Older American

04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NJ 08611	Web

01/26/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA 94503	Web	Older American, Servicemember

01/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90802	Web

12/08/2017	No	Mortgage FHA mortgage	Trouble during payment process	IL 60107	Web

11/25/2017	No	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92352	Web

09/29/2017	No	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91762	Phone

09/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95316	Web

08/15/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90241	Postal mail

06/07/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91978	Postal mail

02/03/2017	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	CA 95336	Web

01/19/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92220	Postal mail

01/13/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92879	Postal mail

12/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 80224	Web

11/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90701	Referral

11/28/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 75209	Web

11/21/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	CA 95403	Web

11/15/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 90502	Web

10/18/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91733	Postal mail

08/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92804	Referral

07/29/2016	Yes	Mortgage Other mortgage	Credit decision / Underwriting	VA 22314	Web

07/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OH 43078	Referral

07/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 86351	Referral

05/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92101	Web

05/09/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	CA 90032	Web

03/24/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 90640	Referral

02/20/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	CA 92880	Web

02/16/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30311	Postal mail

01/22/2016	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA 94595	Web

01/12/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NJ 08840	Referral

12/30/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NV 89179	Web

12/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60429	Referral

10/19/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 95150	Web

09/24/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95341	Web

09/18/2015	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	FL 32401	Phone	Older American, Servicemember

09/12/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	OK 74133	Web

09/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92336	Web

08/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95688	Web

07/24/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 90630	Web

03/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95831	Web

02/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94582	Web	Older American

01/30/2015	Yes	Mortgage VA mortgage	Settlement process and costs	FL 34698	Web	Servicemember

08/26/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA 02084	Web

06/26/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33165	Web

06/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85234	Web

05/31/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94601	Web

05/13/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07607	Referral

04/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33320	Web

04/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	DE 19701	Referral

03/25/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92557	Web

03/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94703	Web	Older American

02/12/2014	Yes	Mortgage FHA mortgage	Settlement process and costs	CA 95695	Web

01/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75034	Web

06/26/2013	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TN 37067	Web