LENDER LIVE CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 086XX	Web
I have complained to Lender Live NUMEROUS times about their online payment option. Every single month, I attempt to log in and the site advises me that " new password parameters have been implemented '' and requests I change my password. I choose a new password, that fits their parameters, and I always get the notice that " user name not found ''. I then click on " Forgot user name '', fill out the requested info, and am told my user name is the EXACT name I used when logging in. ( The user name and my account number are the same so it is not a matter of it being case sensitive. ) I enter that user name and my password and I get the SAME " user not found message '' AGAIN!! I go through this cycle several times, then I click " forgot user name and password '' and reset everything. Again, I am unable to log in until the system gives up and suddenly lets me in. I have sent emails, spoken with customer service reps ( who found that there was an extra space in my name in their records that they claim could have been the culprit ), and ALWAYS mention the log in issues. I have been with them for almost a year now and this is STILL happening. In XXXX 2015, I received a call from Lenderlive because I had n't paid my mortgage by the XXXX. I advised the caller that I tried to log in, as I complain about every month, and was unable to do so. I then provided the representative with XXXX months of mortgage payments so I can have some peace in XXXX and not have to worry about going through this again until XXXX. WRONG!! On XXXX XXXX, XXXX, XXXX, and XXXX on XXXX XXXX, I received calls from Lenderlive telling me that I had not paid my XXXX payment. I also received letters in the mail requesting payment immediately. I advised the first representative I spoke to that week that I paid XXXX 's payment in XXXX. I was advised that XXXX month 's payment was sitting in my account but had not been applied to it because there was no indication of what it was for. HOW an entire mortgage payment went unnoticed for a month is beyond me. They took it out of my bank account in XXXX but it had n't been applied to anything and they were calling me because I accrued a late fee. I was advised by that representative that the late fee and related charges would be cleared and the payment would be applied to XXXX. On XXXX XXXX, 2015, I answered another call from a Lenderlive rep that told me I had n't paid my mortgage. AGAIN, I explained that it was paid and that I was assured there would be no fees or anything associated with THEIR error. I was told that there were indeed notes in the computer in regards to this but it had n't been completed. On XXXX XXXX, 2015, I AGAIN received a call from Lenderlive with yet another rep telling me they had n't received my payment. I advised them AGAIN of what occurred and was assured that it was simply a robo dial by the computer and the rep did see that I paid the XXXX payment. On XXXX XXXX, 2015, I received yet another call from a Lenderlive rep informing me that I missed my XXXX payment. AGAIN, I advised them that I had received calls EVERY DAY THAT WEEK in regards to a mortgage payment I already made. I AGAIN discussed the terrible website functionality with a rep. I was advised to have the money drafted directly from my account. I informed the rep that there is an egregious problem with Lenderlive 's accounting so there is NO way I am going to give them so much access to my bank account. I was again advised that the reps do n't look into the accounts until the computer completes its robocall and reaches a live person. Would n't it make sense to check first?? On XXXX XXXX, 2015, I received a letter from Lenderlive dated XXXX XXXX, 2015. This letter reads : " We can not accept any further delay in regards to the payment amount of {$1500.00} ( payment INCLUDING LATE FEE! ) that is currently due. ''
06/01/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AZ 85757	Web
We have been trying to resolve an issue with the mortgage company, by using the XXXX in XXXX where our mortgage loan was transferred to. We received a welcome letter XXXX XXXX, 2015 only after we requested it through the XXXX, The welcome letter and now a letter from XXXX XXXX, 2015 threatening foreclosure are the only written correspondence received since the company took over our mortgage. During our correspondence with the company through the XXXX we have requested a statement as to where the XXXX payments we sent went and we requested a mortgage statement, we have not received any information on this. XXXX COMPLAINT : XXXX XXXX, 2015 : New Mortgage Company is supposed to provide a welcome letter to the payee ; they have not after repeated attempts asking. If I am given an e-mail to send the form itself I can do that too. This company took over our mortgage in XXXX 2015 and I e-mailed them and requested information from their company. I received an e-mail back stating I would be sent the information I needed for their company. It 's now XXXX XXXX, 2015 and I still have not received a welcome letter or ANY mailed correspondence from this company at all. I do n't know any of the information I need to know from this company other than I was told they hold my mortgage. They should do what the law requires and send us a letter regarding their company, policies, etc. XXXX XXXX RECEIVE BUSINESS RESPONSE : This letter is in response to the complaint you submitted to the XXXX which LenderLive Network , Inc. ( " LenderLive '' ) received on XXXX/XXXX/2015. We have reviewed your complaint and believe that we have resolved your concerns as outlined below. Your loan was transferred to LenderLive from the prior servicer on XXXX/XXXX/2015. Upon the transfer your loan was listed as discharged. Our welcome letter process excluded any loan indicating that status. This is the reason you did not receive a welcome letter. We duly apologize for any inconvenience or frustration the above referenced issues may have caused you. We at LenderLive expect to provide our borrowers with superior customer service and apologize that your experience did not hold up to that expectation. We have sent a detailed letter along with a welcome letter directly to your attention. Forward Business response to Consumer XXXX/XXXX/2015, XXXX REVIEWS CONSUMER REBUTTAL TO BUSINESS RESPONSE : ( The consumer indicated he/she DID NOT accept the response from the business. ) I will consider it resolved when I actually do receive the welcome letter, as I was promised a letter before. I need to know where my XXXX XXXX payments have gone. I want to ensure they have been properly credited to my mortgage as I have not received any statements on any of them. XXXX/XXXX/2015 EMAILForward Consumer Rebuttal to Business XXXX/XXXX/2015 WEB XXXX RECEIVED BUSINESS ' REBUTTAL RESPONSE : Per your request, LenderLive has reviewed your payment history. Based on that review we found the following : LenderLive received XXXX payments from you. We have also completed research with your prior servicer 's payment history. Their Payment history reflected that you made XXXX payment with them. A detailed letter with copies of each payment history will be sent to your attention. We duly apologize for any inconvenience or frustration the above referenced issues may have caused you. We at LenderLive expect to provide our borrowers with superior customer service and apologize that your experience did not hold up to that expectation. ***There is more to this complaint but it wo n't fit in your form. XXXX # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXXXXXX Info : Lender Live Network ; XXXX. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX
04/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94087	Web	Older American
I borrowed {$360000.00} from XXXX XXXX for a home loan in XXXX, XXXX. This loan was assigned to LenderLive in XXXX, XXXX. On XXXX XXXX, XXXX Lender Live posted a payment of {$350000.00}, but did not apply to principal until XXXX XXXX, XXXX. This extra interest was not refunded. After making a {$2000.00} payment in XXXX, XXXX, I requested a payoff amount. It was under {$6200.00}. I made a {$3000.00} payment in XXXX and a {$3300.00} payment in XXXX. This pays off the loan balance and should result in a small refund check. There would be no complaint filed if this had gone per plan, but the following actually happened due to the total incompetence of Lender Live : LenderLive sent me a letter dated XXXX XXXX, XXXX stating that I was past due for the XXXX payment with late charges of {$88.00}. I immediately called XXXX the next day to contest this and spoke to XXXX. He asked me to XXXX a statement from XXXX XXXX XXXX with the date and check number of the XXXX payment. I did this the next day, along with a detailed letter from me. The letter from XXXX XXXX XXXX stated that check number XXXX issued to LenderLive for {$3000.00} was made on XXXX XXXX, XXXX and cleared on XXXX XXXX, XXXX. I called several times the next few weeks asking for resolution. On one such call I spoke with XXXX and she told me that it had been elevated to XXXX. However, XXXX never called, and I was totally stonewalled from reaching her or any manager at LenderLive. All this time I am receiving daily letters about my past due account. This included telephone calls and even a FAX. I could not stop LenderLive, no matter what I did. In late XXXX I sent my final XXXX payment for {$3300.00}. This time I mailed a personal check, rather than using XXXX XXXX XXXX bill pay. It was received and cleared. I continued the aggravating sequence of daily calls to XXXX, wasting at least a half hour per call ( during my work time ) trying to resolve the issue. I kept a few names of telephone operators : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. They all promised resolution and all failed. LenderLive seemed to be perfectly insulated from any responsibility to help me. My loan was payed off, but the website and operators could never acknowledge this fact. In a final act of desperation, I called XXXX XXXX who had created the loan with XXXX XXXX. He passed it to XXXX XXXX at XXXX. She contacted XXXX XXXX, a VP at LenderLive. XXXX made things happen. The mysterious XXXX finally called to say that there had been a big mistake and that LenderLive was re-training their people. I could not get an answer as to why no management staff had contacted me after all the calls that I had made. She offered no explanation, just a thin apology. I called XXXX the next day to ask if LenderLive had filed complaints with the credit agencies. She checked and said yes. She said she would " try '' to correct this. I just received a check for {$120.00} with no calculation explanation. I want LenderLive to account for this, since I believe it is incorrect. I also want LenderLive to verify that my credit record has been corrected and unblemished. I also want LenderLive to account for why I did not receive a response in the government required time and had to go to heroic efforts through LenderLive executive management to resolve this issue. I also want the notarized reconveyance document. It would also be nice to receive a written letter of apology. I believe that LenderLive has acted irresponsibly and has broken the law. I would like to have the CFPB perform a full investigation and prosecute as is required. Thank you, XXXX XXXX XXXX
04/05/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MN 55337	Web
Last year, our mortgage company ( XXXX XXXX, XXXX ) was sold to a new company ( Lender Live Network ). Since then, we have had a number of issues. We recently have undergone a bit of financial hardship, and we have attempted a number of times to setup repayment plans through LenderLive. Throughout this time, I have had no access online to see details around my account, including any fees charged, amount due, contracts or confirmations to these plans, etc. Everything had to be handled by phone. At first, I trusted that this would be sufficient. However, after allegedly not receiving our first payment or the signed form for the payment plan, my home was put into foreclosure. I was later sent back the personal check that was sent in and informed that it needed to be a cashier 's check for the first payment. Although this did not align with what I was informed, it still seemed a reasonable explanation. I had to agree to fees to pull my mortgage out of foreclosure. This process would take 24 hours is what I was told. It took over a week. The fees were not waived and nothing was done for this. No one communicated with me in this time, and since I do not have access to my account, I had to call every day to get an update. No one ever had an explanation other than to call again the next day. Finally, this was completed and a repayment plan was setup again. I was told I would be sent back the other check they had received from my previous repayment plan which I could in turn send back toward my new one. They never sent it back, they actually deposited it. This is yet another time what they told me over the phone conflicted with their actions. Since then, I sent in XXXX additional checks toward my mortgage. Last week, I received notice my home was going into a Sheriff 's Sale. I called immediately and was informed they have n't received payment since XX/XX/XXXX. I explained this was false, and even have a copy of the check that was deposited into their account that they claimed they would be sending back. They told me to send me all of the check numbers, amounts and dates and that they would submit them to " Payment Research ''. Since I have received so much conflicting information over the phone, I sent them an email via the form on their website requesting all communication be through email going forward, so that I would have documentation of what I was being told. I also faxed in copies of the XXXX checks that have been sent to them since XX/XX/XXXX, including the one that they already had deposited in XX/XX/XXXX. I requested that my mortgage be pulled from foreclosure, that I receive either access to my online account or a statement showing activity to my account, and that any fees be reversed due to the disorganization of their company, because I find it hard to believe that XXXX checks got lost in the mail, and they will not allow me to pay via any other method. I did not receive a response. Today I sent them a follow up with the same requests, saying that if I again do not receive a response, I will have to involve an attorney so that my home does not go into foreclosure due to their disorganization and refusal to communicate or work with me.
03/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33619	Web
Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; 2 ) The Lender-live and XXXX gave different statement and no way for me to pay through XXXX. Detail : I closed my home in XX/XX/XXXX with XXXX XXXX XXXX with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to Lender Live in XX/XX/XXXX and I kept my payment through it with an amount of XXXX ; On the XX/XX/XXXX, I got letter from Lender Live that they will not accept my payment by XX/XX/XXXX and my payment transferred to XXXX ( the web is XXXX ) .I tried many times to enroll through XXXX since I got this letter and I could n't because my loan information is not on XXXX system yet.Until XX/XX/XXXX I enrolled and I could n't pay my XX/XX/XXXX payment, XXXX customer said my information on their system since XX/XX/XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue XXXX waivered the charge for me to pay through phone. XX/XX/XXXX, I got the letter from Lender Live that start from XX/XX/XXXX my new payment amount is {$1000.00}, and XXXX mailed me same amount payment statement. I tried to log-in XXXX web to change the original {$1000.00} and I could n't log-in XXXX web system and I called XXXX customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called XXXX XXXX XXXX, Lender Live and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and Lender Live said my payment should be {$1000.00}, and the escrow balance is {$400.00} to XXXX ; County said my tax will no change. With this XXXX is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; XXXX phone system said their office hour is XXXX-XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone XXXX customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than XXXX minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XX/XX/XXXX and I have enough time. I told her NO because I spend more than 20 days to get XX/XX/XXXX mortgage paid and I do n't want to miss the XX/XX/XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from XXXX said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion.
02/17/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TN 37214	Web	Servicemember
I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.
01/08/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	MD 20783	Web
The company servicing my mortgage loan switched about 9 months ago. According to the current servicing company ; lender live ; notices of the transfer and two missed payments were sent to my address on file. The address was that of the house under the loan and not the house I live at. I never received the notices or any notice from lender live. As a result my payments continued to be sent to the previous service company for two months because it was set to auto pay from my bank. During this time lender live proceeded to report these a delinquencies on both my ex-wife and my credit report. When I noticed that the checks were not being cashed I immediately contacted the previous service provider and they explained the loan had been transferred to lender live. I contacted lender live to determine if the payments had been forwarded and they indicated they had not received any payments. I explained the situation, sent them proof that the payments had been sent to the previous service provider, paid the balance due and lender live opened an internal investigation. According to multiple conversations with various lender live representatives the investigation was concluded and according to the representatives lender live was going to correct credit reports. After following up on multiple occasions over several months lender live had still not corrected the reports and would not return my calls. I filed a complaint with the XXXX and received a response from lender live indicating they " were not '' going to correct the credit reports even though I had been told that they would. I then requested all documentation concerning my account and the interactions concerning this matter and lender live responded that they would not provide the information because it was " proprietary ''. I have also filed a complaint with the FTC. The reported delinquencies could have a very real affect on my personal finances, my job and it has just recently prevented my ex-wife from being able to qualify for a mortgage on what would be her first home that she intended to purchase on her own. I can provide any all documentation I have, including the bank statements, proof of payment, credit report, XXXX complaint and responses, and FTC complaint. Please let me know if there 's anything I can do at this point. Thank you for your time and attention.
02/20/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	CA 956XX	Web
" Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX, 2016. I never received any correspondence from lender live. I called " lender live '' multiple times, and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls, " lender live '' found the fax and said that they needed to inspect the property, and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX, I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks, " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no, they do not receive calls or send out calls. XXXX stated that she would send another message to " loss and drafts '' to request what was needed, but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check.
12/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 544XX	Web
My mortgage, XXXX, was resold by Lenderlive to what appears to be another Lenderlive company under XXXX XXXX XXXX. With that change I had to create a new user ID and PW to their online site, I have lost all history of my previous account and there is little to no supporting information for my loan. On top of that I received a check in the mail for {$280.00} on XXXX XXXX, 2016 indicating I had an overage for my escrow. I know there have been NO measurable changes to my property taxes, home owners insurance nor have I received any info on my PMI changing. Since I did n't think I had an overage I did n't want to cash the check. I logged into my online account view and I noticed my XXXX payment has increased by {$130.00} a month. I have received NO INFORMATION on why my payment increased. I called and was told someone did an escrow analysis and that " must be why '' but no one could give me details. How could I get an overage check but my payment go up? I have also asked for information in writing which I have not received. I can not see any escrow details online, I ca n't see what they used for my escrow analysis and I was told " we have a right to take a 2 month escrow cushion so we must be collecting on that ''. I have had my mortgage open for over 3 year with an escrow account that has not changed. How could they now call due 2 full months of escrow payments out of no where. Doing business as Lenderlive, but under a XXXX name should n't allow Lenderlive to collect more money from me. I have NEVER missed a payment and in fact I pay extra to principle every month. Now I am told I owe {$1500.00} MORE to my escrow when there was no change to any of the taxes or insurance I owe. I have asked for information in writing which I have received none and I have sent a letter via 'contact us ' within my online account access and I have not had any response in over a week. I would expect to get detailed information on my escrow account, I expect my payment NOT to change unless I owe more to my insurance or taxes ( which would n't change that much ) and I would expect to have my details available within my online account access. All of my information is up to date in my account.
11/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23235	Web
We made a payment in XXXX for the XXXX payment to LenderLive via our bank draft. An automated payment was already scheduled so they received XXXX checks. Both were cashed. We realized this and called in XXXX to confirm the XXXX payment went toward XXXX due date. It was confirmed the XXXX payment was taken care of, the next payment due would be XXXX XXXX and we would receive a statement reflecting this. We did receive a statement and she was correct. So we set up our XXXX payment. On XXXX & XXXX, we began getting calls to ask why our XXXX payment was late. I reviewed the above with the representative and they indicated our payment was " reversed. '' I told them no one informed us of any " reversal '' and this went against the previous info we had received both verbally and in writing. Then I asked where our money was. They could not tell me why it was reversed or where our money was. They had to open a ticket to research, with resolution in 24-48 hours. We have received several more mailings, including a new statement showing XXXX payments due, and Past due notices including late fees and urgency. The other representatives calling do not even check the notes as we 've received several calls in that same time period to collect this balance " due '' AFTER the Dispute ticket was opened. We need to know where our money is and how to get it reapplied to the XXXX payment as they had done originally and confirmed with us. If this can not be done, we will pay the XXXX payment again ONLY once we receive these funds back to our originating account. Further, we need any late notices, or fees to be removed from this account. I have all documentation and summaries of phone calls. Our XXXX payment is already scheduled regardless of above outcome. Lenderlive representatives have been very polite once they realize their company has contradicted information provided to us the borrowers, but this company 's record keeping and practices is not acceptable. Our originating mortgage broker sold this mortgage within a month. LenderLive should not be included in the pool of mortgage companies to transfer accounts too.
07/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78754	Web
On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX.
04/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 060XX	Web
The mortgage company does n't pay homeowner 's insurance. I received a letter from my insurance company letting me know that almost 2 weeks after the due date the homeowner 's insurance has not been paid by the mortgage company. The money is in the escrow account! I first called the mortgage company XXXX. They said they never received a bill. I then e-mailed them the letter of the insurance company in which they were letting me know that we have 1 additional month to pay the premium otherwise the homeowner 's insurance will be cancelled XXXX at midnight. I was told they will take care of it right away. I called the insurance company XXXX to check if the payment was made. It was n't! So on XXXX I called the insurance company again to check but still no payment! I called the mortgage company. First I was on hold for about 15 minutes, when XXXX came back I told him I am recording this call. He said fine and disappeared for another 20 minutes. Then I was told that the bill was still not paid but they will pay it that day. I asked how they will pay it and he told me via automated bank draft. When I asked for a confirmation he said he could n't give me one. He also mentioned that he " went above and beyond '' to help me. I thought it was their job to pay my insurance on time since they are collecting the money from me. Because I was n't able to get a confirmation for the payment I asked to speak to his supervisor. I was transferred and the supervisor told me that they will send a check today. So I again asked for a check number or some confirmation. He said he ca n't give me XXXX now but promised to call me as soon as he had one that day. He called around XXXX and told me that they attempted to pay over the phone but the insurance company did n't accept their payment via phone. So it 's not their fault that the bill was n't paid. Our insurance company gave us another 30 day extension. I hope by then the mortgage company will find a possibility to pay.
07/17/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 30115	Web	Older American
I was paying my mortgage payments regularly to Lender Live/ XXXX XXXX XXXX since 2015. I was dividing my payments into {$680.00} twice a month because it is easier for me to budget that way. All was going well until ( read on ) : XXXX XXXX and XXXX XXXX I made XXXX payments of XXXX and it was applied to XXXX XXXX. XXXX XXXX ( my bank sent out XXXX payments by mistake and said my payments were on automatic which they were not ) and XXXX XXXX - XXXX payments of XXXX were to be applied to XXXX XXXX XXXX XXXX and XXXX XXXX I paid payments of XXXX each to be applied to XXXX. In addition, on XXXX and XXXX I made additional payments of XXXX and designated exactly how these chould be divided to try to pay off a little bit of my loan early. One of my XXXX payments went directly to T+I and my XXXX went to T+I. I had to call them to ask them to apply them appropriately. The lady I spoke to said that never should have happened. The payment of XXXX was reapplied but again to XXXX which I had ALREADY paid. When this started happening, they promptly sold my loan to XXXX who is telling that I am arrears for a payment. I sent a registered letter to XXXX XXXX asking them to send me past statements ( which I can no longer access online ) so I could try to understand what had happened and they sent me XXXX sheet of paper with XXXX lines on it with T+I balances on it from XXXX and XXXX. They did not send me the statements. Luckily, feeling that something was amiss, I did happen to do a print screen for these months I am talking about but you can not tell that payments were sent to T+I. The error from XXXX is on there. I am tired of trying to deal with XXXX/Lender Live and I a tired of trying to tell XXXX that my payments were caught up with LenderLive and I should owe them NOTHING in arrears. These places are just too big for me!! I hope you can help. Thank You, XXXX XXXX
05/27/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	CA 92307	Web	Servicemember
My mortgage was serviced by LenderLive. I was current on the loan as of XXXX XXXX but I was out of work and using savings to pay. I agreed to a forbearance plan with LenderLive in XXXX XXXX. I explained that I need a security clearance to get work and therefore needed to avoid any negative credit reporting for the mortgage. They told me that they would not do negative credit reporting while I was on the forbearance plan. The forbearance plan was supposed to last for six months, until XXXX XXXX, XXXX. At that point I would enter into a repayment agreement with LenderLive according to the plan. Instead, LenderLive reported on my credit as if I was missing payments during the forbearance plan. I noticed the negative reporting in XXXX XXXX. I was looking at my credit because I was going up for security clearance for a job. When I called LenderLive about it they refused to fix the credit reporting. They had previously been ridiculously rude to me over the phone -- they even insulted me for being a XXXX veteran. In XXXX XXXX LenderLive transferred my loan to XXXX. XXXX did not have any information about the forbearance plan. As far as they were concerned, I was six months behind on my mortgage. After the transfer, LenderLive refused to talk to me about the issue or to fix it. They just directed me to XXXX. XXXX did n't have the records and did n't know what I was talking about. I want LenderLive to correct the information reported on my credit to reflect that I was on a forbearance plan and was not responsible for the payments from XXXX XXXX through XXXX XXXX. Therefore I should not have missed payments recorded for those dates. I would also like an apology for their insults of my status as a XXXX veteran.
10/02/2015	Yes	Mortgage VA mortgage	Settlement process and costs	VA 233XX	Web	Servicemember
I am an XXXX service member and XXXX in XXXX of XXXX. When we arrived in the area we purchase a house for {$190000.00} and by XXXX the value had dropped dramatically. I am now set to transfer to XXXX in XXXX of XXXX and can not afford to keep the property so I started the process to sell my house in XXXX of XXXX, thinking that two years was more than enough time to sell before leaving. I know I will never be able to sell the property for as much as I paid for it so I requested a Short Sale through my then mortgage company. After a couple of months of waiting for a reply from them and listing the house for sale, that mortgage company sold my loan to another mortgage company and in the process lost some of the documents causing the buyer we had for the property to back out because they were taking to long. We then got back on track with the new company trying to sell the house. The last appraisal was done in XXXX of XXXX stating the house was worth {$76000.00}. We listed the house for {$100000.00} and received an offer at that price. Now almost a year and a half into trying to sell this house and not go into foreclosure, my now mortgage lender says they need to net {$140000.00} to approve the Short Sale. I have never missed a monthly mortgage payment and can not afford to in the future because it will affect my security clearance and my job. I do n't know what else to do. We have been very patient and done everything this company has asked. If I foreclose on this house it will affect my career and family and that is the last thing I want to do but come XXXX of XXXX I will not have a choice and will be forced to foreclose. I would very much appreciate any assistance you could offer. Thank you.
11/15/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MN 55303	Web
I became behind on my mortgage payments due to loss of income in the home. In XXXX 2015 I met with and discussed my options with a foreclosure program for my area. I filed the borrower response package to my mortgage lender per the suggestion of the the foreclosure prevention program. I received notice in mid XXXX that in order to process the loan modification request they needed more verification 's, I sent in the requested verification 's via fax. I had n't been sent a decision of my request but found out on XXXX XXXX, 2015 that my home had been sold at a sheriff 's sale on XXXX the XXXX. I have researched what I did wrong and other than falling behind on my payments I followed the procedures that I was supposed to to prevent the sale of my property. Once the request for loan modification/ partial forbearance of my FHA issued loan the foreclosure process should have been suspended until they fully processed the request. I also was not given a chance to appeal their supposed denial of my request because I did n't receive the denial. According to the law I was n't given the opportunity to save my home like I should have been able to. Since the request for loan modification I have been setting aside what would have been my loan payments in good faith that my situation would be given the consideration that it is supposed to under the law. I would like assistance to get the sale overturned and the full opportunity to save my home.
01/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95823	Web
I have been making my mortgage payments each and every month on time, and have even put in an extra {$100.00} each month towards the principle. I started making my payments in XXXX of 2014. I found errors on their invoices about the due dates that was two months ahead. I let the lender know that this error was on their invoices. About six months ago, the lender sent me a letter stating that I had missed a payment, but after going through with their dispute department, they realized that were wrong and that I had made all of my payments on time which they said they had corrected. But after looking at my future invoices I realized that my principle balance had n't gone down between my payments. The lender has gone back and un-applied some payments and reapplied them back again, but are wrong in their calculations and have caused me to be short on my escrow which has raised my monthly by almost a hundred dollars a month. We are in dispute right now and my original lender has been trying to work on my behalf to correct these errors to no avail, even though my original lender sees the errors, but has been unable to explain to me why this is so. I have just received another letter from this lender saying that they were transferring my loan to another company, I believe this company knows that they are at fault for these errors but some reason, they are unwilling to correct them and passed the loan off the someone else.
06/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 086XX	Web
I pay my mortgage on time. Although the payments are taken out of my checking account immediately, they are not applied to my account for several days. On XXXX XXXX, 2015 I received a notice that my mortgage was over XXXX days late. I also had a late fee attached to my XX/XX/XXXX payment. I contacted the company ( LenderLive ) and was told that the money I paid online for my XX/XX/XXXX mortgage payment was applied to a fee that LenderLive was supposed to tell me in XX/XX/XXXX that they believed I owed. I do not owe any fees to LenderLive. I refinance my mortgage with XXXX, fully paid XXXX, and they sold the mortgage to LenderLive. I received a letter from LenderLive in XX/XX/XXXX that my account was in good standing, I pay on time, and yet I suddenly owe over {$1000.00} and not only was the representative unable to tell me exactly what it was for, they reported me as delinquent to the credit reporting agency!!! I now have a credit score dropped by XXXX points because of money I do not owe. I did NOT authorize LenderLive to apply my mortgage payment to whatever it is they applied it to, I do not owe anyone money, I should not have had a late fee applied, and where is the $ XXXX dollars that were not applied?? I paid $ XXXX and they used $ XXXX for unauthorized purposes, did not credit me the remainder AND fraudulently reported me to the credit bureaus!!
04/20/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	UT 84095	Web
I have an issue regarding a mortgage payment I am trying to get corrected. My wife and I have a mortgage that was opened XXXX XXXX and we began making payment to our loan servicer ( Lender Live ) on XXXX/XXXX/XXXX. As of XXXX XXXX our loan was sold to XXXX XXXX. I had made the payment for the XXXX/XXXX/XXXX due date through Lender Live on XXXX/XXXX/XXXX, however, when Lender Live sent my loan information to XXXX XXXX, they advised XXXX XXXX that I was still due for the XXXX/XXXX/XXXX due date instead of the due date of XXXX/XXXX/XXXX. At this point, I have spoken with Lender Live customer service a few times and unfortunately they have not been very helpful to resolve this. XXXX XXXX has provided me with copies of the documentation they received from Lender Live and it does show that the payment was still due for XXXX/XXXX/XXXX. At this point, I am needing Lender Live to get in touch with XXXX XXXX to provide them with the correct documentation showing that the first payment I was to make to them was XXXX/XXXX/XXXX or else have the XXXX/XXXX/XXXX payment sent back to me so that I can send it to XXXX XXXX myself and receive credit for it. I hope this makes sense and hopefully you can point me in the right direction to get this issue resolved. Thank You! XXXX XXXX
04/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77084	Web
Our mortgage loan was bought out by Lenderlive as of XX/XX/XXXX Since then we have had nothing but problems. We have been dealing with 2 different issues over the past 4 months with no resolution. First issue : Our property taxes, due by XX/XX/XXXX STILL have not been paid, and it is XX/XX/XXXX. We have emailed the delinquency letter weeks ago to the escrow department, however our escrow balance has dramatically decreased and nothing has ever been received by our property tax office. Second issue : We had an open insurance claim when our loan was bought by Lenderlive in XX/XX/XXXX. We provided all insurance reimbursement documentation to which Lenderlive acknowledged they would provide the remaining balance to us.We STILL have not received the last payment of our insurance funds. After XXXX checks returned for insufficient funds from Lenderlive we are still in dissolution and having to email the NSF checks to the company for " further resolution ''. We are extremely dissatisfied with the slow progression of our XXXX different issues. We have gone in circles with a representative on the phone about XXXX a week for the past 4 months. Lenderlive has reassured us multiple times that someone in " management '' would contact us to which NEVER has happened.
05/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 81401	Web
I had a mortgage through Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX . My loan includes escrow payments to cover the property taxes and the homeowner 's insurance. In XXXX XXXX Lender Live failed to pay the homeowner 's insurance and it lapsed. I paid the insurance personally once I became aware of the problem and was eventually reimbursed. In XXXX of XXXX I decided to check and see if the property tax had been paid and I discovered it had not. I paid that personally as well. The property taxes were due on XXXX XXXX . Lender Live sold our loan effective XXXX XXXX and they did not pay the property tax. I have asked for a full accounting of my escrow account. They have no explanation for why they are collecting the escrow and then failing to responsibly pay the bills when due. Lender Live is no longer the loan servicer but when I contacted the new loan servicer they were unaware of where the escrow payments should go and also said there was no indication the escrow was to pay property tax as well as insurance. The total escrow collected is significantly more than the total of the taxes and insurance. I think Lender Live is horribly disorganized and irresponsible.
03/01/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	CA 92592	Web	Servicemember
For two months now I have been dealing with LenderLive lying to me about my taxes on my property and even before that they have lied to me. When I was refinancing they told me they would not add any money onto my refinance and after I had signed the papers they added {$7000.00} to my loan! But back to the taxes. XX/XX/XXXX a represenative and I talked and they told me to avoid my monthly payments going up I would need to pay {$1800.00} into my escrow. So I did, but then my payments still went from XXXX to XXXX a month even after paying them. I call them multiple times and the representative tells me they will survey the account to lower the payments but on a final call turns out the taxes had gone up on the property so it would never really go down. Well I get a letter in the mail today on XXXX XXXX, 2016 saying the estimated taxes instead of being the original XXXX they raised it to it would be lowered to XXXX as of XXXX XXXX, 2016. But once again another good old trick from lenderlive! I look on their website to verify and according to their website as of XXXX XXXX, 2016 my payment will be going up for my taxes to XXXX a month. All of this does n't sound right to me, I feel like I am getting scammed.
06/06/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	AE XXXXX	Web	Servicemember
Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated.
03/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77386	Web
My wife and I purchased a new construction home in XXXX XXXX. LenderLive serviced the loan including escrow through XXXX and at the beginning of XXXX, XXXX Mortgage took over servicing the loan. In XXXX XXXX, XXXX Mortgage performed an escrow analysis and found that there was a shortage of {$25000.00}. We contacted LenderLive about the shortage and they admitted that XXXX escrow analysis should have been done during XXXX, but none were performed. To correct the shortage, our monthly payment will go from {$2200.00} to {$5700.00} for a 12 month period and then to {$3500.00} going forward. After contacting LenderLive and speaking with multiple customer service representatives and a Director, they admit that there was no escrow analysis performed when there should have been, yet the Director says that it is not their responsibility to adjust the monthly payment in a timely manner to avoid such large shortages. We have tried to contact the Vice President of LenderLive, but our call has not been taken and voicemail has not been returned. We are now trying to negotiate with XXXX Mortgage a reasonable payment plan to pay off the escrow shortage.
04/14/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 79938	Web	Servicemember
My husband and I bought our first home in XXXX 2014, we refinance in XXXX 2014 with a company named United Security Financial Corp. they gabe us a monthly payment to which they supposed to have all the correct information of the principal, interest, taxes and insurance. After more than a year with them we received a letter from them saying that we owe them more than XXXX dlls because the taxes were more than we paid in the scrow ammount. Now they have transfer our loan to another mortgage, but they increased our monthly payment more than XXXX dlls in order to pay the difference of what they pay for oir taxes and insurance. We have a budget for all our expensives and now with this mo thly payment they want us to pay it is just so bad for our finances right now. They should 've done the right tax search since the beginning so we will be alert of the increase. When i call them they told me that it is our problem and we are responsible for paying for it even though they made the mistake for not having the correct ammount for our taxes. I do n't know what to do now with this increase of my monthly payment.
04/20/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 77379	Web
My mortgage was transferred to XXXX Mortgage Services on XXXX XXXX, XX/XX/2015. I have made payments every month on time. To this day, XXXX XXXX, XX/XX/2015, they can not account for a {$3300.00} dollars they deposited to my account on XXXX XXXX, XX/XX/2015. Numerous emails and calls were made to locate the whereabouts of such payment. There response is " it has been escalated for review. '' On XXXX XXXXXX/XX/2015, my ARM was calculated and adjusted with the balance that did not reflect the missing funds paid on XXXX XXXXXX/XX/2015. I submitted bank statements and trace number of the missing fund they deposited allegedly into my account, however, they can not account for the payment. On XXXX XXXX, XX/XX/2015 they mailed me a letter, which states " your loan is in default. '' Since XXXX, XXXXXX/XX/2015, I have met my obligation paying my mortgage and provided approximately {$7000.00} in overage payment to be applied to the principal. They constantly say they will return my calls and locate the missing payment, but to this day this have failed to call nor locate the missing payment.
08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	HI 96793	Web
My XXXX Mortgage was sold to LenderLive XXXX. I was switching banks in XXXX and called LenderLive to ask when my mortgage was due before a late fee. I was told XXXX mountain time. After all my bank accounts switched I paid my mortgage electronically on XX/XX/XXXX and thought all was fine. On XX/XX/XXXX I received a letter that my payment was overdue so I called and the agent told me payment was applied and all was fine. I then made my XX/XX/XXXX payment on XX/XX/XXXX like normal. In mid XX/XX/XXXX I received a letter stating my mortgage was now past due by more than 30 days. I also checked my FICO score and to my surprise it had suddenly fallen by more than XXXX points! I again called LenderLive and was told that all was fine. It took me going to XXXX supervisors before learning that my XX/XX/XXXX payment was received but never applied to my loan. It is now XX/XX/XXXX and my credit score has it been fully restored nor has LenderLive returned the {$60.00} " late fee '' they assessed. I feel like I 've been robbed and this is the worst bank ever. EXTREMELY SKETCHY.
03/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80403	Web
This is my second complaint on Lender Live. After my first complaint here, Lender Live sold my loan and have failed to send me proper notification. It is now XX/XX/XXXX and I still have no idea who to pay, who my new mortgage company is or any info on my new account. All I know is when I attempted to pay Lender Live on XX/XX/XXXX, I was denied access to my account and was unable to pay. So I then called Lender Live and was told they sold it. After being put on hold for 20 minutes I was seemingly intentionally hung up on. " XXXX '' was the Lender Live " manager '' that I last spoke to after she contacted me concerning my first complaint and so that is who I requested to speak to before I was hung up on. I even left a message for a return call from a manager and once again it went ignored. Lender Live is completely and totally a mismanaged, devious company and their customer service is totally unacceptable. I need to know who my new mortgage company is and how to pay. There needs to be some way to verify who I am paying as well. " XXXX '' needs to call me ASAP!!!!
11/29/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 75056	Web	Older American
We submitted an offer of XXXX in XXXX 2015. After review, the loss mit specialist assigned, XXXX XXXX, advised that the net to investor had to be XXXX. The HUD was adjusted to accommodate this request and submitted to Lenderlive XXXX/XXXX/15. We were told the appraisal would expire and had to close by XXXX/XXXX/15, which we agreed to. We called, emailed, and tried to follow up through XXXX/XXXX/15 with no response. When we spoke to XXXX XXXX in mid XXXX she advised that XXXX was no longer the contact for this file. She said the file would be submitted to the investor for review and requested the appraisal expiration date be extended. Around XXXX XXXX we received a denial letter stating the net proceed to the investor should be {$190000.00}. We were told the appraised value according to the VA was XXXX. The XXXX have never received a copy of this appraisal, though requested. The investor is asking for a net amount more the the value of the property and more than the XXXX that we were told was the net amount the VA required based on the XXXX value.
01/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07726	Web
my mortgage servicer is lender live. i refinanced last year in XXXX. at the time of closing i paid down 3 month of escrow for my taxes and also prepaid interest XXXX. right now my loan servicer is raising my payment by {$110.00} because they claim that i need to have additional 2 month cushion for my escrow. initially when they took over my mortgage they were asking me to pay the insurance which numerous times i rejected it because i want to deal with my insurance myself and now escrow for my taxes. servicer will not return phone calls or respond to messages. last conversation i had with them they told we will raise your payment and we will do it at any given time when there is a change in your taxes. my taxes are {$690.00} a month and based on projection for 2016 it will come up to {$690.00}. why should i pay {$110.00} every month more. i refinanced to lower my payment and this servicer is telling me flat out you will pay more. i can not afford to refinance again to lower my payment and get into another servicer who will do the same
09/28/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	SC 29483	Web	Older American
1 ) Repeated failures to mail the monthly loan statements to our home in time for us to mail payment and make the first of month due date. For example, today is Sunday XXXX XXXX and we have still not received the XX/XX/XXXX Statement. We pay by check because we always add varying levels of additional principal to our mortgage payment. 2 ) We are also experiencing very long time periods from the date we mail our mortgage payment and the time our payment is shown aas being received by them. Note that because of the above stated problem of not receiving statement in a timely manner, we ALWAYS try to mail our payment on the same day we receive the statement. 3 ) The additional Principal paid with the monthly mortgage payment is not credited to the Principal Balance until the month after the mortgage payment is credited. 4 ) Note also that I have called and talked to them about these issues, They stated that the Company is in the process of consolidating their loan processing centers and this is the reason for all the delay issues,
08/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 850XX	Web
Lenderlive XXXX mortgage servicer sent me an escrow refund check in the amount of {$420.00} and I then receive a delinquent tax bill from XXXX XXXX stating the taxes have n't been paid. I contacted Lenderlive and they eventually paid the back taxes ; however, my mortgage payment has now increased 8 % from {$1600.00} to {$1700.00} due to a projected shortfall in the escrow account. Even though I put down 20 % when I purchased my house and would have preferred to pay my own taxes and insurance, I was required by my lender to make these payments into an escrow account. Now I 'm stuck with Lenderlive XXXX who ca n't seem to keep their records straight. If I 'm being held accountable for making my mortgage payments on time, then there should be some sort of repercussions for Lenderlive 's late tax payment and poor record keeping. The increased payment is not the issue. I understand why it 's happening. The issue is that I 'm held to XXXX standard and Lenderlive can apparently do whatever they please.
02/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80403	Web
Here in Colorado my mortgage company was bought out by Lender Live last year ( about 11 months ago ). Since then Lender Live 's website has been nonfunctional and erroneous despite my numerous requests that they fix it. The website would not allow me to enter my account numbers properly for some reason. They claimed it was because I have ( and use ) an XXXX XXXX. The result has been my payments are late and Im penalized over their errors. Also I have been told several times for several months ( at least XXXX ) that the problem was being addressed. Most recently when I finally was able to talk to a manager I was told that there was nothing being done to fix the problem. I have been lied to repeatedly and I put in several unanswered requests that a manager contact me. This company has no responsibility for what they say whatsoever. Attempts to contact the company on the phone results in at least 30 min to an hour of time spent and a supervisor or management is almost never available.
08/24/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 94954	Web
LenderLive was acting as loan processor for a loan for me. I refinanced the house and the loan was paid off in XX/XX/XXXX. I expected a check for the $ XXXX in escrow they were holding, but after multiple telephone calls to them at ( XXXX ) XXXX, I still have not received a check. The first time I called them, I verified the address they were sending the check to with their representative. The address they had on file was correct. Since then I have spoken with them XXXX times and everytime the reason for me not having the check is different. The last time ( on XXXX XXXX ) I was told they had overnighted the check to me XXXX with it coming back to them as undeliverable. The really strange thing about this is that I received something at the same address ( from them ) XXXX weeks prior. In that conversation, I gave their representative ( XXXX ) my work address and she said I would have a check Friday morning or this morning. Our overnight mail just came in ... no check.
10/11/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WV 254XX	Web
I refinanced last year XX/XX/XXXX with XXXX mortgage who then sold the mortgage to Lender Live mortgage company. I received a notice my taxes were never paid and my house would be auctioned off XX/XX/XXXX. I called Lender Live on XXXX XXXX, 10 days ago. I emailed the auction notice per their request the same day, XXXX XXXX. I called them back XXXX XXXX and issue not taken care of. I called again XXXX XXXX and XXXX and they still had not resolved the problem or paid the taxes. Today I received a letter from my house insurance that my insurance was not paid either by Lender Live as it should have been thru my escrow. Also they have not paid taxes that was due XXXX XXXX. Now it appears not enough money will be in my escrow to pay all taxes and insurance when amounts have not increased and I have previously always had a surplus in escrow before. Lender Live should have been tracking my insurance and taxes as their full responsibility to pay these thru my escrow.
01/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95240	Web	Older American
XX/XX/2016 XXXX XXXX XXXX XXXX, CA XXXX Dear editors and readers, I am seeking help in recovering {$710.00} that was confiscated from my escrow account by the LenderLive Network, LLC my mortgage company in XXXX CO. The {$710.00} was the second Hazard Insurance payment for the same year. When this second payment was breached from my account it put my escrow account in a negative balance. The first time that I called them they admitted the mistake and said it should be cleared up by XX/XX/XXXX, when I did not hear from them I called back. This time I talked to a woman named XXXX who said it would take until XX/XX/XXXX to clear up their mistake, but in the meantime I would have to pay mortgage increase of {$100.00}, adding insult to injury. They want me to pay extra for their wanton negligence. Seeking advice ... Is there a Real Estate resolution board or a Real Estate fraud board? Small Claims court? Any help appreciated, XXXX XXXX XXXXXXXXXXXX XXXX XXXX
02/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23235	Web
Lenderlive has admitted to paying out almost {$1600.00} from our Escrow balance to the wrong Insurance company. Since then, and before we noticed the error, our loan was sold to another servicer. Now that servicer shows our escrow short, and is increasing our payments. I contacted Lenderlive on XX/XX/XXXX. They had the correct insurance company, amount and status listed, but acknowledged paying someone elses Hazard insurance. I was supposed to get a call back. By Friday XXXX, I called again. The supervisor had yet to start their shift and I was promised a call back, but XX/XX/XXXX or Monday XX/XX/XXXX. Still nothing. This money was essentially stolen from us and we are waiting for them to reimburse us or our new mortgage servicer ASAP. This money is in their hands somewhere since the other persons escrow most likely has an overage. This is the second issue I 've had with Lenderlive.
07/30/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 954XX	Web
Good Afternoon, On XXXX XXXX, 2015, I received a notice from my current mortgage company informing me that my loan was being sold to LenderLive Network , Inc. effective XXXX XXXX, 2015 and I would be receiving a letter with instructions from LenderLive Network , Inc. with my new loan number and instructions for making my mortgage payments. It 's now XXXX XXXX, 2015 and I have n't received anything from LenderLive Network , Inc. I 've tried calling LenderLive Network 's customer service line and have been hung up on 5 times by their automated service. I just want to know where to send my mortgage payment and to speak to a human being at LenderLive for questions. The law requires that new loan servicer companies to notify you 15 days prior to the effective date of the change and Lenderlive Network , Inc. has not sent anything! Please help!
05/28/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94598	Web
My loan was transferred to LenderLive XX/XX/XXXX from XXXX XXXX loans just a month after I refinanced with XXXX. In my original HUD loan agreement with XXXX it is clearly stated that I wo n't be paying escrow for property taxes as I pay the county property taxes directly. In XX/XX/XXXX XXXX sent me a new escrow statement increasing my monthly payment to include additional/new property taxes escrow. Even though I have made every loan payment to XXXX since XX/XX/XXXX before their due date they are charging me late fees because I refuse to pay them escrow for property taxes ( not in my original contract ). I have spent countless hours by phone/email to have escrow removed, they claim to have removed the property tax escrow but I still get harassing letters saying I am behind on payments asking for late fees with credit score warnings.
01/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AE XXXXX	Web	Servicemember
Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.
05/20/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	NM 88011	Web	Older American
In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.
11/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MO 63017	Web
My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help.
11/30/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	WA 98375	Web	Servicemember
My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure.
07/29/2016	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	FL 33904	Web
I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.
04/11/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 12205	Web
Lender Live was my mortgage servicer up until they transferred my loan. Lender Live sent my escrow payments to the wrong municipality, creating a large deficiency in my escrow and then notifying they were more than doubling my payments. When I notified them they had made a mistake, they never explained what happened, only that they needed to request refunds from the municipalities they sent my money to so they would be able to pay the correct taxes ( due to their error my property and school taxes were paid late ). They have yet to correct the issue, and provided the wrong escrow information to my new loan servicer so I am yet again trying to rectify the issue that Lender Live created.
09/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08742	Web
XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them.
05/28/2016	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	MN 559XX	Web
I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.
01/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80015	Web
I do not know what company to send my XXXX mortgage loan payment to. I have received a transfer of servicing notice from XXXX Mortgage indicating that my XXXX XXXX mortgage payment is due to XXXX and I have received a Loan Billing Statement from LenderLive indicating that my XXXX payment is due to LenderLive. I believe that XXXX companies have violated RESPA, FDCPA, and UDAAP subjecting them to civil money penalties and they have created such confusion that I have no idea where to send my mortgage payment which now puts me at risk that my payment will be late or not applied to my loan properly.
02/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02186	Web
We paid off a mortgage on XXXX XXXX, 2015 and have been following up with a discharge since. We have not received a discharge nor has the discharge been recorded at the Registry of Deeds. Many calls have been made and every time we call, we are told the lien release is being worked on or that we will get a call from a supervisor-no return calls are received. After a loan is paid in full, the bank is obligated to issue a discharge and state law in Massachusetts requires them to do so within 45 days.
09/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98117	Web
My mortgage was transferred to LenderLive for servicing after we closed our loan. Once transferred, we submitted a form to request automatic ACH debits. Although they advertised online submission of the form, it was impossible to submit online. After attempting multiple times to submit online, we physically mailed in in the form. It has been three months since we submitted the form, and we have received no response, despite a promise for a response in less than 30 days.
05/19/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	CA 91762	Web	Older American, Servicemember
Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
02/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 802XX	Web
My mortgage services was LenderLive. https : //www.lenderlive.com/ I have been calling the customer service line and was put on hold multiple times for over 45 minutes without anybody picking up the phone. I emailed twice and never received a response. I did not get my tax document either, which is why I was calling. It is very frustrating not to be able to talk to somebody about my loan and receive tax documentation. I need to file taxes asap.
01/19/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	RI 02889	Web
XXXX/LenderLive wrongfully charged me a late fee for a payment that arrived to their facility prior to the XXXX of the month. When I contacted the company, I received different answers from different people and was left on hold for long periods of time when I asked to speak with a manager. Additionally I had to call several times to get the issue resolved. This issue has occurred more than once and is starting to become a monthly chore.
09/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 986XX	Web
LenderLive services my mortgage and has never sent payment coupons, loan servicing paper, or annual XXXX unless I call in an demand that they be sent. Every time I call they say " we mailed it ( them ) ; they must have been lost ''. I called on XXXX XXXX for a copy of the federal form XXXX which up to that date they had not sent out. I thought it was a federal requirement that the XXXX was sent no later than XXXX XXXX, 2015.
01/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94947	Web
I sent a letter to LenderLive requesting cancellation of my private mortgage insurance under the terms of the Homeowners Protection Act. I have reached my XXXX % LTV. LenderLive 's service rep confirmed on XX/XX/XXXX that they receive the letter on XX/XX/XXXX. They said they had 30-60 days to respond. It is now XX/XX/XXXX, the 60-day window has passed, and LenderLive has not responded to my request. What is my recourse?
11/07/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	TX 75040	Web
This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23831	Web	Servicemember
Lenderlive has reported the one payment covered by my bankruptcy as a late payment n umerous times on my credit report, lenderslive, XXXX XXXX XXXX XXXX , XXXX , Colorado XXXX , telephone # XXXX , the dates reported are from XXXX to XXXX . They show on my credit report as LNDERLIVE XXXX . My bankruptcy was in XXXX for that one payment.
12/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80104	Web
3 issues. 1 ) they are unresponsive or extremely delayed in any attempt to get the PMI dropped. 2 ) they collect the escrow fees for insurance but did n't pay it and now I have a cancellation notice. 3 ) horrible customer service ... ..It is not right that a consumer is forced to work with whatever mortgage company buys our loan.
06/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	RI 028XX	Web	Older American
LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. They have requested modification documents from me and robo-signed returned copies
12/27/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 72714	Phone

04/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30038	Web

03/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

01/10/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20602	Web

04/20/2017	Yes	Mortgage Other mortgage	Other	CA 92507	Postal mail

01/26/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NV 89032	Fax

12/28/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NY 11221	Web

10/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11201	Referral

07/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55127	Web

06/24/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 45429	Web

06/14/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75071	Referral

05/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 53001	Phone	Older American

05/26/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92509	Web	Servicemember

05/05/2016	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	TX 77083	Postal mail

05/05/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	TX 77083	Postal mail	Servicemember

04/29/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 15683	Web

03/16/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92835	Referral

03/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MN 55337	Web

02/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95822	Web

01/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 54467	Web

01/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28202	Web

01/21/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78130	Web

01/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30040	Web

01/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19136	Web

01/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60510	Web

01/08/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 300XX	Web	Older American

01/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11221	Web

01/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 86305	Web	Older American

12/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CO 80129	Postal mail

11/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 96150	Phone

11/06/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MN 55129	Web

10/30/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	CO 80126	Web

10/06/2015	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	VA 20176	Web	Servicemember

08/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01028	Web

07/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94536	Web

07/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60022	Phone

06/26/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	UT 84107	Postal mail

06/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84043	Web

05/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91773	Phone

04/21/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 23513	Web	Servicemember

04/20/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI 48091	Phone	Servicemember

04/18/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	NV 89108	Web

04/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 80525	Referral

03/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80205	Web

03/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV XXXXX	Referral

03/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30066	Web	Older American

02/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77532	Web

02/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91910	Phone	Older American, Servicemember

12/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94109	Web

10/20/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 54467	Web

08/27/2014	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97224	Web

08/02/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CO 80081	Web

06/26/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 49250	Web

06/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98023	Phone

04/29/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34293	Referral

04/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27103	Web

03/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80120	Web

02/25/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80232	Web

02/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 45042	Referral

11/02/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	IN 47977	Web

06/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

01/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 49090	Referral

02/23/2012	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 76708	Web