| 12/08/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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I am originally XXXX XXXX and XXXX this country since XXXX being US Citizen. I am staying in home since XXXX.
I want to bring this matter to your attention and seeking desperate help to avoid foreclosure considering the nightmares of dealing with this second mortgage so called Zombie Mortgage surfaced back after 17 years since I refinance my house in XXXX.
I was thinking about the issue and I am sure that I may not be the first one in this country dealing with this surprises about Zombie Mortgage and how they are torturing us for their greed with unrealistic demands of the mortgage interest from XXXX that was all time high and enforcing foreclosures, similar to what we witnessed during XXXX mortgage meltdown.
I know that I am not the only who may be facing this issue and decided to do online research about these Zombie Mortgages and agonizing experiences home owner like me are going thru while dealing with and to resolve this matter in a most amicable way.
I learned about XXXX XXXX, CFPB Director who noted that the foreclosure crisis erased decades of closing the racial wealth gap and zombie second mortgage debt could threaten to do the same if we dont make changes in predatory debt collection tactics.
I am glad to see that CFPB is working with congress to resolve this issue of Zombie Mortgages as ( NY Attorney General XXXX XXXX, XXXX ) rightly said : [ Zombie debt ] places homeowners who were victims of the XXXX subprime lending [ foreclosure crisis ] at risk again of losing their home due to predatory practices.
Like me, many home owners who are dealing with their 2nd home lien that was taken between XXXX like mine and kept on paying only one mortgage as second mortgage ( home equity line ) we assumes and thought that may have already paid off.
But as a result of mortgage meltdown with unethical practices and many homeowners were victims of of the XXXX subprime lending [ foreclosure crisis ] practices of the mortgage lenders that time who provided sometime upto 100 % of the value of the loan and some cases over 120 % of the appraised value that time.
I was doing online research to avoid foreclosure on my home which is just 12 days away from today which is enforced by the 2nd lien holder ( Zombie Mortgage from XXXX which is no more in business ) and that Zombie Mortgage may have sold at even less than XXXX XXXX against the dollar while exchanging hands many times before Planet Home Lending & their investor XXXXXXXX XXXX from XXXX, Florida who registered this Zombie Mortgage in XXXX when none of the previous owners of this mortgage except first one " XXXXXXXX XXXX XXXXXXXX XXXX '' in XXXX along with my 1st Lien on the same day XX/XX/XXXX.
As I exhausted all options, I turned to online research and learned from the " XXXX XXXX XXXX XXXX '' and XXXX XXXX, Managing Director at that Center, who testified at the Consumer Financial Protection Bureau Field ( CFPB ) Hearing on Zombie Debt in XX/XX/XXXX. During his testimony, XXXX suggests that the CFPB work toward new laws that require lenders to disclose how much they paid to acquire debt before they can enforce it, saying if they did pay XXXX cents on the dollar, maybe they can get XXXX or XXXX XXXX for itthey dont need XXXXXXXX XXXX
I repurchased my house in XXXX in my divorce settlement from my x-wife and took mortgage with lender/service provider called " XXXXXXXX XXXX XXXX XXXX XXXX XXXX They sold my loan to XXXXXXXX XXXX in XXXX and XXXXXXXX XXXX sold my loan to XXXXXXXX XXXX in XXXX.
I only recollect about writing one check for my mortgage payment to " XXXX XXXX XXXXXXXX XXXX '' from XXXX to XXXX and then to XXXXXXXX XXXX when they took over in XXXX. I saw two separate payments going to XXXXXXXX XXXX between XXXX ( XXXX ) before they went under water during mortgage meltdown crises we witnessed in XXXX.
I believe before XXXX, I was only combining both payments ( Primary 1st mortgage and secondary Home Equity Line of Credit to support the payments of divorce settlement expenses ) until XXXX took over and they separated those two mortgages under two different loans.
As XXXXXXXX XXXX filed bankruptcy, XXXX took over my loan ( Only 1st Lien ) but second lien went as Zombie Mortgage which I thought that I may have already paid off between XXXX based on the whatever amount of Home Equity Line of Credit I may have used.
But unfortunately there is no traceability nor any document linkage today going back to the payments those I made to XXXXXXXX XXXX XXXXXXXX XXXX ( from XXXX combined for both liens ) and to Central Mortagage ( From XXXX ) under what scenarios except this second Zombie Mortgage which is claimed by Planet Home Lending have records showing that I stopped paying to XXXX Mortgage in XX/XX/XXXX and my loan is in default for over 13 years and waited for so many years to collect their debt with all interest based on the XXXX note that I signed as Home Equity Line of Credit at unprecedented level of interest rate.
Since XXXX went bankrupt between XXXX as a result of Mortgage Meltdown issues, XXXX picked up my loan and I was paying only one mortgage to XXXX which last year merged with XXXX XXXX XXXX
Since my 1st lien holder in my recollection and the only one that I was aware off who is paying all taxes and insurances for so many years, the 2nd ( Zombie Mortgage - Home Equity Line of Credit ) that resurfaced back in XXXX, It was not a surprise to me as another mortgage company called XXXX XXXX did threatened me in XXXX that they will foreclose on my house similar to what Planet Home Mortgage as they claimed the ownership of this 2nd Zombie Mortgage.
I asked XXXX XXXX that time ( XXXX ) to provide me the linkage of my loan documents to XXXX that I took originally from XXXXXXXX XXXX when I signed those liens which they claimed that debt I owe them. I also agreed with them that if the debt they claim is valid, I have no issues to start monthly 2nd mortgage payments. But they never provided straight answer about how they purchased that note from the previous investor but instead, XXXX XXXX in XXXX came up with one time settlement of {$36000.00} ( Offer Letter Attached ) which I turned down as they never provided proper documentations to prove their claims.
Now, since similar threat came last year ( XXXX ) from Planet Home Mortgage like XXXXXXXX XXXX in XXXX. Since, I was locked in with my other personal and very complicated business-related legal matters since XXXX, I ignored their threats. After going thru similar agonizing exchanges with their lawyers and whoever is the investor who decided to cash out this Zombie Mortgage which must have exchanged hands at least 5-6 times considering how many times I received those 2nd mortgage claims with no substance. Planet Home Mortgage also provided me one time settlement of {$90000.00} from their legal advisor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached ).
Since I was not in a position to make such payment, I went thru taking XXXX route because of my financial crises & hardship due to significant business losses during COVID to save my home. I have no issues with the 1st lien XXXX and they kept me in my home during COVID-19 and gave me the forbearance plan to delay my payments.
XXXX ( 1st Lien Holder ) also gave me the loan modification, but 2nd lien holder that is currently claimed by Planet Home Lending ( Zombie Mortgage from XXXX ), only interested in foreclosure on my home that I am residing since XXXX because when they did their own Internal BPO by hiring independent 3rd party licenses appraiser of {$760000.00} ( XXXX XXXXXXXX Attached ), they learned that what they expected the value of my home must have gone significantly higher and knowing that I owe 1st Mortgage over {$630000.00}, they may not even get {$25000.00} in one time settlement.
I did offer them to have peace in my life the settlement that XXXX XXXX gave me in XXXX and even increased to {$50000.00} but whoever the investor ( XXXXXXXX XXXX From XXXX who registered that company in XXXX and claimed this mortgage in XXXX ), because of their greedy nature, they denied and forced me to list the property for sale. My property went on sale in later XXXX, but no offer received what they expected to be over {$1.00} XXXX, considering the high-power tension lines and significant area is under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only offer we received from one landscaping company for {$700000.00} considering all those issues and I requested them to do the short sale which they denied.
After talking to my close friends, well-wishers and relatives who are willing to pull together to keep me in my home, I submitted Loan Modification application and One Time Settlement offer on XX/XX/XXXX for {$90000.00} ( Letter Attached ) what their lawyer mentioned that the investor will not take a single dime less than {$90000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Attached ) but ruthlessly, Planet Home Lending/Investor even denied their own offer with no counteroffer except forcing the foreclosure.
I also submitted the Home Loan Mortgage Assistance to modify the loan as One-time settlement offer denied and they came up with 37 days window before the foreclosure that I must apply and technically speaking I did but they killed valuable time by either not responding to my requests or asking me to wait for 3-4 days every time when I used to call them for status update on my options as loan modification. Planet Home Lending informed me last week, that they have received my complete application for the loss mitigation assistance on XX/XX/XXXX ( Letter Attached ).
Also, on the same day t ( XX/XX/XXXX ) coincidently, they asked their lawyer to send me Foreclosure Notice ( Notice Attached ) which I received on Monday ( XX/XX/XXXX ). I called them on Monday ( XX/XX/XXXX ), to check whether they are still working on my Loan Modification request or not and they told me to wait for another 3-4 days since their back office need to reopen my case.
I was calling them every day since XX/XX/XXXX and today they told me that I need to resubmit the package for consideration when they already in reality I was working with them since XX/XX/XXXX and they confirmed that they received all documents to complete my application on XX/XX/XXXX.
I tried to resubmit all documents again today ( XX/XX/XXXX ) on their portal and learned that they revoked my privileges to submit documents on their site ( XXXX XXXX XXXX XXXX - Unable to Request Assistance Details Attached ) and they closed my Mortgage Loan Assistance Package today ( Activity Report Attached ).
It is clear that never had intention to offer me the loan modification nor to accept any other alternative except to foreclose my house to seek the entire claims they made on the interest for over 16 years of this Zombie Mortgage with the claims of over {$330000.00}. Planet Home Lending Mitigation Department Representative I talked to today asked me to submit all documents via email ( Email Communication Report Attached ) but I know it is absolutely of no use except they are killing me and my wife with this painful process and unrealistic demands when we all know that this investor may have purchased this Zombie note for less than {$25000.00} and others already taken write-off as our tax codes allowed to do that but it is unfair on the home owners like us when there is no value in the house, someone is knocking on the door for their greed to kick us out of the house by flashing their ownership of Zombie Mortgage and the First Lien Holder who is actually paying all taxes and insurances to protect the house and made all efforts to keep us in the house during our financial hardship and COVID-19 pandemic while me ( undergoing XXXX XXXX XXXX XXXX health issues ) and my wife ( who is undergoing XXXX XXXXXXXX XXXX ).
I exhausted all options and seeking your help to investigate this matter and need justice to resolve this matter in a most amicable way as me and my wife both having serious health issues and we want to save our home and avoid this unprecedented level of stress caused by this Zombie Mortgage owners.
I really appreciate your assistance on this matter ASAP as time is of the essence as this Zombie Mortgage owner/Service provider Planet Home Lending selling my home in auction/Foreclosure XXXX XXXX XXXXXXXXXXXX XXXX that I am in living as our Primary Residence since XXXX.
Thanks.
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| 05/24/2017 |
Yes |
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- Trouble during payment process
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Web |
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Loan # XXXX A tree fell on through my home in late XX/XX/XXXX causing a large amount of damage. As is customary, my insurer issued the claim check to planet home, my wife, and me. The draw process in its " loss draft '' department appears to be intentionally designed to withhold funds as long as possible. I believe Planet Home Lending ( the Company ) is engaged in a scheme to perpetrate a fraud, misappropriate funds, harm its borrowers, and deceive its stakeholders. At best, I believe the company is engaged in willful misconduct and gross negligence. As further described, the company 's loss mitigation ( related to insurance losses and remediation ) creates undo burden on its borrowers at their most vulnerable time. I have brought to light my concerns directly with the Company multiple times in phone calls and emails from which the Company has extensive records. I have offerred commercially reasonable resolutions at every point of contingency. My efforts have been entirely rebuffed. One staff member of the Company has been better than all the others, XXXX XXXX. Should this complaint result in negative consequences for staff, I strongly assert that she should be excluded from such consequences. Her hands are simply tied by the policies and processes of the company, and she has no authority to act in a more reasonable manner. My experience with the Company 's " loss draft '' department has led me to conclude that the only remaining reasonable explanation for their ineptitude is to withhold funds as long as possible. The Company appears to operate with intentional inefficiency, both in action and negligence, and I ask that steps be taken by its regulators to cause the company to immediately caese and desist its harmful behavior, be formally penalized by its regulators, remedy this process, and compensate me for excess costs and other damages I have incurred as a result of their actions and negligence. Regulatory Issues : While I 'm not certain as to whether my loan is FHA, XXXX XXXX, or otherwise government-backed, I believe the company 's loss mitigation draw process is in violation of several XXXX XXXX requirements both in spirit and letter. I have not gone further in my research on other XXXX XXXX requirements, but I will. XXXX XXXX requires that servicers deposit funds from loss claim checks in an interest bearing, XXXX XXXX XXXX XXXX account. In the Company 's " Claim Procedure Packet '', there is no mention that this is done. Further, the funds are required to accrue at a market rate and be remitted to me and my wife following completions of the repairs provided the servicer receives appropriate documentation of completion and release of liens. This appears to be intentionally omitted from the Company 's Claim Procedure Packet. These facts have also never been mentioned in conversation with any staff with the Company, which appears to intentionally avoid an expectation of such, no matter how trivial the amount. XXXX XXXX requires that for loss claims over {$2500.00} : servicer must release an initial disbursement of insurance loss proceeds of 25 % of the total insurance loss proceeds but no more than {$10000.00}, and must disburse the remaining funds in increments not to exceed 25 % of the insurance loss proceeds following inspection of the repairs. My initial draw amount exceeded {$10000.00}, thanks to the speed of my contractor. The Company attempted to make me feel like they were doing me a huge favor in doing so, as a rebuttle to my assertion of how ridiculous their check cutting process is. The process of putting the check in the mail takes a minimum of 3 days. This does not include the two days following receipt of the inspection report. I was told that the company approves the check on " day 1 '', cuts the check on " day 2 '', and puts the check in the mail on " day 3 ''. I was further told that the Company did not have the ability to wire funds, in spite of my willingness to cover the costs. This was a clear lie. The company simply chooses not to do so, presumably so as to ensure maximum float on the check. The first draw amount was a violation of at least one XXXX XXXX requirements ( admittedly, to my minor benefit ). My second draw over 25 % of the total amount, was another violation. I was told at the outset that any claim damage amount over {$10000.00}, requires the company to issues draws as repairs progress and after periodic inspection. As a XXXX, I understand that this is reasonable. What is egregiously unreasonable is that there are only TWO draws allowed. Once at 50 % completion and once at 98 %. The Company 's " loss draft '' procedures state that draws are generally done 1/3 at a time. I understand the nature of the word " generally '', but the company has flatly stated its absurd " 50 %, 98 % '' policy multiple times in conversation. Undo Harm and Refusal to Make Commercially Reasonable Efforts to Resolve Disputes : When I challenged the company on how somebody without means to front repair costs, I was told that they try to work with those who ca n't. They have not. I have had to exhaust my credit lines in order to fund these repairs. Borrowing the money has caused me to incur interest charges. I 've been given every excuse possible for the absurdities of the process, and have had to front up to approximately {$20000.00} of my own money prior to reimbursement. Further, I 've been required to pay additional fees for the company 's own inspections. I 've been forced to pay for overnight delivery of reimbursement checks, which, to my detriment, was not followed through on by the company with the most recent draw. I had to escalate this problem to a manager twice, was promised it was taken care of, lied to about the company not having the ability to wire money, found ( after a lack of follow up from the manager ) that the check had gone out regular mail in spite of promise to the contrary, argued with about the need to immediately stop payment on that check and overnight a new one, then lied to again about the arrival date of the overnight. Both checks ( the one on which a stop payment was placed and the overnighted check ) arrived within one day of each other. I have been at 96 % completion for three weeks, and the Company has made no effort to contact me proactively to issue my final check. They are also currently withholding my check for the depreciation portion of my claim. I was assured that they would reach out soon after the last draw, and they have not. This whole process, begun around the beginning of XX/XX/XXXXwith FULL required paperwork provided to the Company, has caused my contractor to slow because of my inability to continue drawing on credit lines to fund him. My credit score has declined significantly as a result of line usage, and one of my card issues has reduced my credit line. These are long-lasting, damaging effects of the Company 's process over and above the additional monetary costs. Potential Criminality : The process is so obstructive that I can think of no other reason that Planet Home is using liquidity provided by the loss claims checks to bolster and perhaps leverage its own balance sheet. I have incurred costs as a result of the Company 's willful misconduct including interest on credit cards, damage to my credit score, extreme delay in completing repairs, costs of overnight envelopes, emotional damage, and legacy effects as a result of decline of my credit. On XX/XX/XXXX, I utilized the Company 's complaint section on its website to lodge a formal complaint. I felt compelled to do this because I was not offered a way to do so over the phone. After requesting such and waiting on hold 10 minutes, I decided the company likely did not have an adequate process in place ( in spite of it being regulatorily required ), and that I and the Public would be better served putting it in writing. Though this complaint is far more extensive, much of the wording accusing the Company of criminal behavior and potential civil and regulatory action should have caused it to reach the highest management levels. I should have also received an immediate response if for nothing else than to state that it was being reviewed. I have received no response Sometime in the last week ( XX/XX/XXXX ), I received a sales call from the company asking if I wanted to look at refi options. I declined and told them I had filed a formal complaint with the company, received no response, and asked that the agent raise the issue up. I have still received no follow-up. Coincidentally, in XX/XX/XXXX of this year, CFPB issued an enforcement action against the Company naming it a party to an illegal scheme that sounded eerily similar to the sales call I received ( and have received several times in the past ). XXXX XXXX XXXX I am not an attorney, and I have not yet involved one. I seek reasonable resolution to my personal losses and damages caused by the company. I also seek injunctive action from its regulators and further investigation into the reason it operates in this manner. I believe there is a strong likelihood of criminality at the core of my seemingly small problem, and I hope that this will be handled appropriately.
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| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX To whom it may concern, I am filing this complaint against Planet Home Lending on two accounts : 1. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance 2. They never informed me that they were a private lender and that I wouldnt be able to start a deferral at the end of the forbearance.
Addressing Issue 1 : XX/XX/XXXX XX/XX/XXXX I was first put into forbearance by the servicer XXXX XXXX. I made a full payment for {$1600.00} on XX/XX/XXXX when I requested the forbearance until it was approved. ( attached*page1 ) I called back in on XX/XX/XXXX to make sure it was approved and they informed me that they were still working on it and so I made a full payment of {$1600.00} for XXXX. ( attached*page2 ) On XX/XX/XXXX I called again and they told me that they had approved a repayment plan until the forbearance was applied and that I should continue to pay as much as I could and that as long as I paid something that I wouldnt be reported negatively. I made three payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( attached*page3,4,5 ) As you can see on those emails the receipt says Repayment Plan on it showing that I was on a repayment plan. On XX/XX/XXXX I got an email stating the forbearance was approved and that during the forbearance term, late charges and other fees will be suspended. ( Attached*page 6 ) Since that day I have kept everything up to date and have been in forbearance all this time.
As you can see from the attached XXXX XXXX never reported a late payment on my credit report and everything was in good standing. ( attached*page 7 ) XX/XX/XXXX- Now XXXX XX/XX/XXXX Planet home lending sent me a letter informing me they were the new servicer.
I filed for a Borrowers Assistance request on XX/XX/XXXX to make sure that I was going to be on forbearance still. They closed my request on XX/XX/XXXX. ( attached*page 8 ) I filed again though their website that same day and again my request was closed. ( attached*page 9 ) I called them at the end of XXXX applied by phone since email wasnt working. They confirmed I was in forbearance.
Mid XXXX I got an email from my credit report saying that Planet Home lending had reported a missed payment.
I called them immediately and they told me I would have to file a complaint by email about this that they couldnt do anything about it over the phone. In the meantime, my credit score dropped over XXXX points and so did the other borrowers because they also reported negatively on hers.
I emailed them on XX/XX/XXXX and filed a complaint with them ( attached*page 10 ). They never emailed me back regarding this. I called several times in XXXX and each time they said a different thing. One guy I talked to in XXXX said that this would be removed after we completed the repair on one of the bathrooms we were having to get fixed under the insurance. I called again when it was complete to have it removed and this person said that this wasnt true and that they wouldnt remove it and that I needed to talk to someone from another department. I emailed them several times and again got the same information from them. I basically got the run around and they used delay tactics in order to just let the days go buy. I called them last on XXXX XXXX and XXXX said that she could see that a complaint had been started regarding this, but that the resolution was set for the XXXX and they are no longer going to be servicing the loan after the XXXX. She said she would email the backend and tell them that they should have a resolution before that.
Planet Home lending even sent me letter informing me that I was in forbearance and that nothing negative would be reported on my credit report ( attached*page 11,12 ) I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but Planet Home Lending informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached*page 13 ) Planet Home lending claims that we missed a payment on XX/XX/XXXX in this letter ( attached*page14 ). Then they report to XXXX that the payment I missed was in XX/XX/XXXX ( attached*page15 ) To XXXX they reported I missed XXXX and XXXX ( attached*page16 ). This is all inaccurate and false. As you can see in the very detailed timeline I was always in forbearance and or making payments and XXXX XXXX never reported a missed payment for XXXX or any other dates. Planet Home lending wasnt the servicer of the loan until XX/XX/XXXX and I was always in forbearance with them and am in forbearance with them till XX/XX/XXXX so this is both false and also not in accordance with the Fair Credit Reporting Act.
Addressing Issue 2 : I called Planet Home Lending at the beginning of XXXX and made sure I was in forbearance with them and they said it was.
In XXXX Planet Home lending reported negatively on my credit report stating I had missed a payment even though I was still in forbearance.
I called them to make sure I was in forbearance and they said that I was until XX/XX/XXXX. The representative I talked to informed me that the loan was no longer eligible for forbearance and that if I wanted to request more time they would have to ask the Lender for an extension. I asked them to do so. They called me back a few days after at the beginning of XXXX to inform me that the lender had approved the forbearance until XX/XX/XXXX.
I called them at the end of XXXX and they told me they were going to mail me paperwork to start the loan modification. I never got the paperwork and called again on XXXX XXXX and XX/XX/XXXX. I asked for the deferral so that the $ XXXX that I owe would be put onto the end of the loan. I knew that I was eligible and would get that for sure because of the CARES Act and having a XXXX XXXX backed loan. XXXX XXXX always reported in my credit report that this account was under XXXX XXXX ( attached*page 7 ). Instead the representative informed me and this was the first time I had heard this : That they can not do a deferment because we have a private investor loan. I was really surprised to hear that since my loan was originated and closed as a XXXX XXXX loan in XX/XX/XXXX. I have attached your XXXX findings from your original loan as verification of this.
When I requested the forbearance from XXXX XXXX it was never advised to me that I could not defer the payments later because my loan was not backed by XXXX XXXX I requested Forbearance with Planet Home Lending and they also never informed me of this. And there was no way for me to know that my loan was sold as a portfolio loan and not backed by XXXX XXXX. This was never disclosed to me or the originator. This was important information because it directly impacts my options for CARES act. Because my loan was originated as a XXXX XXXX transaction I should fall under the CARES Act and be able to defer the forbearance payments. However, my current servicer just advised me today ( XXXX XXXX ) that they were a private lender.
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| 11/15/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have contacted Planet Home Lending multiple times communing THE COVID XXXX forbearance and COVID XXXX Forbearance extensions under the VA rules. The most recent contact in XXXX involved several agents in the XXXX XXXX XXXX. I have been told by several XXXX XXXX agents that I am not able to use a VA COVID XXXX Forbearance extension numerous times even though I have Called in with my VA loan counselor and the VA Loan counselor advised their XXXX XXXX agent that they expect the Loan servicer to grant the extension and that it can be extended even past XXXX months.
I was told by two different agents I would be contacted back by them, the first XXXX XXXX XXXX Agent XXXX XXXX ( spoke to on XX/XX/XXXX ), stated she would contact me back after underwriting made a decision. I was not contacted back by her. I then spoke to XXXX XXXX Agent XXXX XXXX in Florida on XX/XX/XXXX on a three-way phone call with my VA Loan Counselor XXXX XXXX who advised XXXX XXXX about the new XXXX VA Circular pertaining to to the extension of requested COVID forbearances under the VA rules and also emailed XXXX XXXX stated that he would call me back about the extension on XXXX XX/XX/XXXX. XXXX XXXX did not call me back and then when I called back on XXXX XX/XX/XXXX, XXXX kept me on the phone for over minutes, refusing to transfer me to XXXX XXXX, initially telling me he wasn't there and initially telling me that there was no Supervisor available. Then after over an hour, she found a Supervisor named XXXX.
Summary of my contact with Planet Home Lending 's XXXX XXXX Dept About my COVID XXXX Forbearance Extension Request under the VA Regulations : Date : XX/XX/XXXX Agent : XXXX Time frame contracted : XXXX:XXXXpm My Complaint : Lied to me about the amount of time I had been on VA extension and stated that I had already been on the extension past XXXX months when I had started in XX/XX/XXXX. I had submitted an online extension through Planet Home Lending for XXXX more months fromXX/XX/2092. I asked for her to check on it. it was not resolved. XXXX was working from home where there was constant screaming in the background and noise. she then hung up on me.
Date : XX/XX/XXXX Agent : XXXX Time frame contracted : XXXX:XXXX pm My Complaint : XXXX lied about the time frame I had been on an extension stating it had been more than XXXX months. Stated no Supervisor available and transferred me to XXXX XXXX XXXX Agent XXXX XXXX. XXXX advised me that the extension denied because I'm not eligible to extend it and that it can't be extended ( even though this is not the case under VA rules ). I complained her about the agent XXXX. XXXX denied to listen to the VA Circular information that I had and stated that the va would have top email the approval for an extension. She stated she emailed the underwriting department about my request, refused me to sending an email of the circular and di n't call me back after XXXX days.
Date : XX/XX/XXXX Agent : XXXX XXXX Time frame contracted:XXXX:XXXX pm My Complaint : Before my VA loan counselor got on the phone, XXXX XXXX kept telling me I was not eligible for an XXXX month extension.
My VA loan Counselor named : XXXX XXXX ( known as XXXX ) talked to XXXX XXXX on a XXXX way with me sent a VA circular to Planet Home Lending 'S Agent named XXXX XXXX, located in Florida. XXXX XXXX advised XXXX that the VA expects for the loan servicer ( PHL ) to approve the extension request and can even request an extension past XXXX months. XXXX XXXX stated he would forward the information to underwriting and would call me back on XX/XX/XXXX Thursday with an update. XXXX XXXX did not call me on XX/XX/XXXX and kept lying about the extension until the VA loan counselor spoke to him.
Date : XX/XX/XXXX Agent : XXXX Time frame contracted : My Complaint : XXXX kept not addressing my concern and kept saying I was not eligible for XXXX month extension. She stated that the circular that the VA had sent had nothing to do with an COVID Extension. I advised her that she was lying and that it did. I also requested to speak to XXXX XXXX and she initially said he wasn't there. I stated that he was supposed to call me on XX/XX/XXXX but XXXX did not. I then requested a Sup and there was not one. XXXX kept refusing to address the updated info and kept saying I wasn't eligible. She then changed her mind and stated that XXXX XXXX was there and he was not available to take my phone call but was messaging her.She stated initially there was no Supervisor and that one could call me back but she could not give me the name of the Supervisor or guarantee they would call me back within XXXX hours. I was on the phone for about an hour with no resolve and then she was able to locate Supervisor XXXX. " XXXX '' immediately came on the phone repeating the same denial of the extension without addressing the updated VA circular that was sent to XXXX XXXX and I asked were there notes n the account about the VA Counselor XXXX XXXX calling, emailing the circular and the VA recommendations of approving the service member 's request for an extension up to XXXX months and even beyond that. She stated that she saw something in the notes but not in detail and that XXXX had just emailed her the circular while on the phone. I asked her what had XXXX done with the circular because it sounds like he had not followed up on anything to do with the information that he was given by the VA Loan Counselor. I advised that Planet Home Lending keeps getting the runaround, lying about the amount of time I have been on an extension, refusing to do their due diligence, failing to contact keep their word about contacting me back and follow up with my concerns and that Planet Home Lending is not following the VA'a guidelines even after being contacted by a VA loan counselor. XXXX then advised me to call her back on Monday and that Planet Home Lending would take care of sending the paperwork to the VA so that I would not have to be further inconvenienced. I called back on XX/XX/XXXX at XXXX:XXXX AM and spoke to a XXXX who stated XXXX would not be in until later that afternoon and that XXXX should be contacting me back. XXXX stated that she emailed XXXX. I asked what is the status of my mortgage at this time and XXXX stated I was protected under the COVID Relief Act.
XXXX from Planet Home Lending did not call me back because I did not receive a voicemail and they also have not sent any notification emails about an update with my COVID XXXX forbearance. It has been over a month since I put the COVID XXXX extension for an additional XXXX months to the XXXX month mark and Planet Home Lending has consistently gave me the run around, tell false info about the extension time, not follow up with paperwork or phone calls and failed to provide loan services in a timely manner.
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| 03/16/2020 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I received a voicemail from Planet Home lending to call them. I called Planet home lending at XXXX and spoke with XXXX. XXXX informed me that the call was about my missed payment in XX/XX/XXXX. I stated that my payment had been made on XX/XX/XXXX and cleared my account on XX/XX/XXXX. XXXX, stated that her records showed that it was a non-transaction. I asked what this meant, she said I had non- sufficient funds. I stated that I had my bank statement in front of me and she said the bank said I did not have the funds. She told me that I would have to deal with my bank. I said, OK and ended the phone call.
Next, I called XXXX customer service. I explained to the representative what was going on, and she stated that they did not tell Planet Home Lending that there was insufficient funds and that the payment cleared on the XX/XX/XXXX I asked if she would be willing to be a third party in a conversation with Planet Home Lending to verify this and she said, Absolutely!.
I called back to Planet Home Funding at XXXX with the XXXX representative on the phone and was connected with XXXX. I explained to XXXX that I was calling to verify my XXXX payment and that I had the XXXX representative on the phone. XXXX was very rude and stated that if he was being recorded then he was hanging up the phone. I questioned as to him recording also and he said, yes and reiterated that he would not speak with XXXX on the phone. I asked the XXXX rep. to hang up and told XXXX that I had my statement as proof of payment for XXXX XXXX told me that XXXX was not the problem but that XXXX was unpaid. Then he switched to XXXX. I told him this was the first I had heard of XXXX or XXXX payment and that they were going back and forth on what was due. XXXX became belligerent and starting cutting me off and would not let me speak. I told him he was being rude, and he hung up the phone on me.
I called right back was spoke with XXXX. I explained to XXXX what was going on and she also looked at my account. XXXX told me that she did not see an issue with XXXX, XXXX, or XXXX payment but they had just got word last month that XXXX payment had not cleared. I told her that I had received a letter in the mail about XXXX payment but I had never been notified about XXXX payment and even in their own system it showed XXXX payment made. I asked to speak with a manager, I was transferred to XXXX in the loan counseling department.
XXXX informed me that she had looked into my file and that everything looked fine except my XXXX payment had returned. XXXX told me to submit my bank statement and we would go from there. I submitted the letter from Planet Home Funding that stated I was delinquent of XXXX. payment and my bank statement showing the payment cleared via email to XXXX. After looking at my evidence, XXXX returned my email stating that it was XXXX payment that was missing.
On XX/XX/XXXX, I called Planet Home Lending due to seeing that I had been reported to the credit bureaus that my XXXX payment was 30 days past due and had been assessed late fees despite the fact that I had submitted documentation on proof of payment and several representatives telling me that there was no issue with my XXXX payment. XXXX, another manager stated that she also saw That XXXX payment needed to be made. We went through my payment history together and verified that all other payments were accounted for except XXXX. I sated that I had just sent over documentation of this payment the other day to XXXX, but I would send it again. I again sent the bank statement verifying payment. I also asked XXXX if the late assessment would be corrected as well as the false reporting to the credit bureau. XXXX stated that she was instructed to tell me to send in my statements for XXXX and we would go from there. I told her we had already covered XXXX through the payment history and I was speaking of the late assessment and false credit reporting of my XXXX payment ( There are no reports for XXXX payment on my credit report or Planets payment history ), XXXX stated that this was just done and they had to wait and see how many other people were affected before that could fix my false reporting. The phone call ended there.
The fraudulent misrepresentation that Planet Lending representative XXXX made by saying the bank said I had insufficient funds was a blatant attempt to defraud me and is a violation of State and Federal laws. This event can and will be subpoenaed as evidence should Planet Lending force me to litigation.
The representations of missed payments were proven to be false and Planet Lending is maintaining an adversarial position by changing the alleged missed payment dates whenever I provided proof or their own records show them to be in error.
I have suffered measurable harm as a result of the fraudulent information Planet Lending reported to the CRA. Planet Lending failed to notify me of the alleged debt from XX/XX/XXXX. Planet Lending furnished misstatements of balances owed when it was there responsibility to maintain accurate records. Planet Lending refused to supply me pertinent information concerning my account. These aggregious unprofessional acts is a blatant violations of the FCRA and Arizona Consumer Laws. Further more the inexplicable changes in dates in question, leads me to believe that Planet Lending is attempting to unjustly enrich themselves by falsifying my payment with hopes causing me to foreclose on my home. I am demanding a detailed amortization off all my transactions along with each transaction id code or information which identifies the financial institutions in which funds were withdrawn for payment. If Planet Lending is unwilling to provide this I am demanding that Planet Lending immediately bring my account into good standing and update its furnished information to all CRA within 15 business. If Planet Lending is unwilling to comply I will seek justice in a court of my choosing and seek the maximum damages afforded to me under the law.
On XX/XX/XXXX, I called to make my XXXX payment and was told all money paid would go to my XXXX payment despite them having 2 copies of my bank statements, and the XXXX representative on the phone to verify the payment. I have asked 5 times for a manager to call me discuss, by have been ignored.
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| 10/21/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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In XXXX a foreclosure notice was put on the door of my house. I bought the house in XXXX. I had no idea what was going on. I had to work and dig to find out. I was subpoenaed to a foreclosure hearing and I found out that it was from an equity loan I had opened in XXXX for XXXX. Unbeknownst to me, my ex husband had stopped making payments on said equity line in XXXX, with an approximate balance of XXXX. I had since remarried and mine and my ex husbands young adult daughter, her fianc and their son lived in the house and began making house payments to the primary mortgage holder We didnt know the equity loan still existed. They have never been late on a mortgage payment. I added my daughter and her fianc to the title per a quit claim deed, with intentions of it being their family home. Then the foreclosure notice was posted. I attended the hearing in XXXX and agreed to work out repayment to the new owner of the loan, Planet Home Lending. Come to find the original loan was charged off by the lender in XXXX, and was sold to XXXX, who sold to Planet Home Lending. The loan was dead debt and the later 2 companies bought the loans for pennies on the dollar. Ive been told if I had disputed the debt all of the collection efforts would have stopped. I contacted Planet Home. Lending after the hearing and they agreed to put the loan back on payments with a XXXX. Down payment. I could not come up with that, but my ex, my daughter & her fianc and me and my husband all pooled together and we came up with XXXX. Even tho I had lost my job because of covid, and my ex was diagnosed with terminal XXXX. Planet knew we had all intentions to pay this debt. We signed the loan modification agreement and my daughter and her fianc made payments for a year. We signed the loan mod under duress per the foreclosure threat. My ex and I are at fault there because we did not read the document throughly, and after a year of XXXX payments, the website would not accept a payment and I called to see why and found out they only set the payments back up for the one year with a balloon payment of the balance. Also they had placed the previous payment in suspense. I was so upset, because I had trusted them and they had certainly tricked me. We thought we had resolved the problem. I called them many times to beg for the balance to be paid in payments. They would only agree to that with another down payment of XXXX. My daughter had never been late on her payments to them. I received collection calls and was talked to like a criminal, disrespected, and threatened with foreclosure. I finally stopped taking their calls. I was told they couldnt foreclose without the primary mortgage holder agreeing because they held a approximately XXXX. Balance and no payments had been late. I got another foreclosure notice on the door and a subpoena. I went to the first hearing in XXXX XXXX and explained everything to the clerk of superior court and their lawyer knew absolutely nothing about the situation, couldnt answer any questions and did not have a business card. He really never said much. His face and neck were burning red. He was very nervous. I began to suspect he was not an attorney at all. The clerk continued the hearing and the next one is XXXX XXXX, XXXX. I submitted a settlement offer of XXXX and when I tried to log in to check on their answer, they had disabled our user information. I never received any response even tho I got a confirmation number when I submitted it. When I call them now, they wont communicate with me. The NC attorney general office referred me to a debt help company to assist me in communicating with them and we did a way call with them and was so ugly to us. Again I would have to put more money down, now XXXX. To set back up on payments or pay in full or they are foreclosing. They wouldnt even discuss the situation, they just kept referring me to their website and so that is where I submitted the settlement offer, I have XXXX in equity in the house and the payoff on the primary mortgage is approximately XXXX. I received a letter from their lawyer that I can cure the loan for the current payoff of over XXXX. How? I have paid Planet Home Lending approximately XXXX. To date on a XXXX balance. Come to find out fees eat up the down payment to modify the loan. They charged that much to set it back up on do copayments for only a year. They have also charged all their collection and legal fees to the account plus late charges of almost XXXX a month since XXXX XXXX. My primary mortgage company tried to do a refi per the huge amount of equity so that we could pay them in full and add my daughter and her fianc to the loan but because Planet Lending has reported foreclosure on my credit reports it was not finalized. I called and told them I had the ability to pay them off but could they remove the foreclosure reporting but they refused. Now Ive been told that if the foreclosure is approved they have to pay off my primary mortgage to take ownership, however they can evict the occupants. I believe they are intentionally not working with me so they can get the house, but why? My daughter is having panic attacks, and nightmares. She got a promotion and she is under XXXX already. Its been a nightmare. On top of everything else, they have never fulfilled my request for loan documents on the original loan and even referred me to XXXX to see if they have documents. I expressed that to their attorney the last hearing, and he promised he would get those to me yet I still have not received them and when I called them to request them again, they referred me to their website and I told them the attorney promised to get them to me, she said, well youve taken care of that then. When I ask about whats the end result of their foreclosure process, they just more or less say we take your home. They will not explain any thing and will only discuss new payment arrangements with another down payment. Please help us. I have plenty more information and copies of letters and other docs. Planet Home Lending is based in CT. They are a privately held company by a group of investors. They are mls liscensed. I dont have time right now to onattach documents. I have to go to work, but I can provide those if you need them. My phone number is XXXX
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| 07/06/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Communication with Planet Home Lending has been all but impossible. Combined with constant over-charging on escrow and now recently with them assigning an additional insurance policy to my account and attempting to charge an additional {$1100.00} I don't really know what to do. It appears to be in retaliation for removing Escrow from my account since they couldn't get the amount correct.
I have listed issues and communication with Planet Home Lending. After the first few attempts to contact via phone I was provided conflicting information and sometimes put on hold for hours so I've since moved to email communication to track for my records. Most of these emails go unanswered.
XX/XX/XXXX - Planet Home Lending paid XXXX rear taxes ( previous owner ) via. My escrow account was being charged an additional {$1900.00} for back taxes on the property. This amount was supposedly paid during closing by the seller so I had to get a check from the title company. This started the issue with the inbalance on the escrow account.
Planet Home Lending didn't inform me of this until the Escrow Analysis the following year.
XXXX, XXXX - I sought out new homeowners insurance and was informed I would need an additional policy for the mother-in-law suite in the back yard. This increased escrow by {$890.00} annually.
XX/XX/XXXX - The new escrow analysis included the back taxes that were paid on XX/XX/XXXX increasing escrow payments by {$290.00} ( 119 % increase ). Now that I was aware of the issue I tracked down my title company for a check to make up for the balance but by the time I got the check I decided to just pay the new escrow amount instead of paying down the shortage.
XX/XX/XXXX - My insurance company contacted me and said they made a mistake. I didn't need two policies. I made a payment of {$750.00} to escrow and informed Planet Home Lending via phone that I had one new policy that covered the entire property - at which time I requested a new analysis.
XX/XX/XXXX - The new escrow analysis decreased my escrow payments by {$50.00}.
XX/XX/XXXX - Auto-draft payments were suddenly stopped and as a result my payment was overdue. I've never had an overdue payment in my life so I was concerned and asked for an explanation ( via email ) as well as a request to have my credit score not be impacted. This was never answered.
XX/XX/XXXX - After having no luck via phone I emailed the customer support address, XXXX about having paid back the shortage from the taxes and noticed that they were still charging me for a second insurance policy calling it " wind insurance. '' I did not receive a reply to this email.
XX/XX/XXXX - My escrow was recalculated and actually increased - the " wind insurance '' was not removed. At this point I'm beginning to feel like it's not gross incompetence, but rather malice that is causing these problems. The lack of communication doesn't help.
XX/XX/XXXX - I checked my escrow and noticed the above issue, emailed Planet Home Lending about the additional insurance policy and again received no response.
XX/XX/XXXX - I sent a pretty blunt email to Planet Home Lending about no communication or replies to emails and did a basic calculation of escrow payments based on were collecting and what was owed. This is what sent : Current escrow payments : {$450.00} ( 12 ) = {$5400.00} annually Current Annual expected escrow cost based on last year 's taxes and insurance : Insurance {$1000.00} Taxes {$2400.00} Total {$3400.00} Over-payment : {$1900.00} ( I did not receive a reply to this email ) XX/XX/XXXX - I received a call from XXXX with the escrow department. She was trying to calculate on the fly and explained about the 2 month buffer that's necessary but I retorted that it still wouldn't explain the large overage. XXXX was friendly and seemed concerned about my issue - I though this would be the end of it.
XX/XX/XXXX - XXXX called back and explained that she still wouldn't be able to reduce my escrow payments by much so I requested to remove escrow - XXXX instructed me to request via writing and send it to the main customer support email address.
XX/XX/XXXX - I emailed XXXX and requested a removal of escrow. I included a signed letter as instructed as well. I also mailed a hard-copy to the corporate headquarters and CC 'd my attorney.
XX/XX/XXXX - I received a reply requesting that I include the signed letter ( that I already sent ) - I simply replied via email with the signed letter again attached. I did not receive a reply to this email.
XX/XX/XXXX - I received a letter in the mail from Planet Home Lending telling me that didn't have a copy of my insurance on file and they would be adding one for me at additional cost. At this point I take this as an intimidation tactic since I know they have one on file and confirm with my insurance company. They still have not removed the charge for an additional policy that I didn't have - so now I'll be paying for 3 policies and my assumptions is they think I will go into default and lose my house.
I visited the link at XXXX and submitted my proof of insurance that was current and received a receipt via email.
XX/XX/XXXX - I sent a follow-up email since the escrow removal is supposed to take a month and I still had no communication they received my original official request. I was informed the process was complete and to check the mail.
XX/XX/XXXX - I received a letter in the mail explaining that they have not received my proof of insurance, even though I have a receipt that they got it on XX/XX/XXXX and now I have to pay for an additional insurance policy of {$1100.00} that doesn't even cover the replacement cost of the main house.
This is a clear pattern of intimidation in an attempt to force a default on my mortgage. I don't know what else to do at this point since I can't afford to sue and I don't have any extra money to pay this new trumped up charge. I've tried to communicate and at every turn I'm either ignored or hit with some new problem in response to my inquiries. Planet Home Lending has put me in a position of choosing between losing my rental property I saved my whole life for - or pay their fees and they should no longer be in the financial business.
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| 01/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XX/XX/XXXX a statement from XXXX asking for a higher amount wanting tax impounds XXXX statement had no information about that ..I contacted XXXX XXXX XXXX to be told they had paid on my taxesXXXX did not send me ANYTHING SHOWING THAT THEY PAID TAXES .The XXXX tax office had been putting refunds back in my account late XXXX and XXXX.I had no paperwork from XXXX OR THE TAX OFFICE to tell me what payments had been made from XXXX OR ME.Covid closed the tax offiice between XXXX TO XXXX it takes three months to catch up with under normal tax years COVID THEY WERE CLOSED LONGER XXXX refused to give me proof of what they had done until I filed a complaint with CFPB.XXXX sent me a letter in XXXX saying I had defaulted on my loan.NOT ONE PAYMENT HAD BEEN MISSED.XXXX tried to change my payment to impound INCLUDING taxes WITHOUT ANY PRIOR NOTICE OR INCLUDING AMOUNT THEY THOUGHT WAS OWED OR THAT THEY PAID .Letter to CFPB said XXXX forwarded tax payment XX/XX/XXXX i had XXXX payment coupons for XXXX & XXXX WITHOUT ANY MENTION OF A TAX PROBLEM OR PAYMENT.Called & stayed on hold for someone to explain i sent phone bills to show 91 minutes several times.No one is allowed to give information They just keep transfering and asking questions the same thing over and over.Without any answers.XXXX is the mother company XXXX after days + hours of calls XXXX faxes XXXX at XXXX called me on the phone and I agreed to pay {$760.00} XX/XX/XXXX above my normal payment.She said that would stop a foreclouser..never late ever no information to alert me AND A LETTER SAYING I AM IN DEFAULT TO GO INTO FORECLOSER? XXXX TRANSFERED the loan same month to Planet Home Lending when receieved their papers a letter said i was seriously in default .I had bank statements to prove i never missed a payment or was late.With proof of the {$760.00} made above the XXXX PAYMENT. Planet did not care .They wanted they said now {$1300.00} I KNEW THIS WAS ALL A TRUMPED UP EFFORT TO GAIN FEES NOT DUE BECAUSE I KNEW WHAT I HAD PAID to the tax office.Without any document any where showing what they say they paid to tax office .NOW the new preditory lender not showing the payments paid to XXXX SAYING they did nt get loan until XXXX.Planet employee ( XXXX ) said it was XXXX the letter from XXXX was XXXX .XXXX was the extra payment above regular payment .Planet said they cant see anything before XXXX XXXXWHAT LENDER TRANSFERS A LOAN WITHOUT HISTORY?
after making all the payments EVEN PAYING XX/XX/XXXX {$1300.00} to Planet Home Lending the actual pmt is {$980.00} XXXX responded to CFPB saying XXXX tax had refunded them 2 checks {$200.00} each and sending {$300.00} ( the amount XXXX CLAIMED THEY PAID was {$1700.00} and {$750.00} NO THEY INTERFERED WITH payment not DUE until XX/XX/XXXX, only paid total {$1400.00} of which {$700.00} was refunded ASAP .Now {$700.00} is left I paid {$760.00} on XX/XX/XXXX along with {$380.00} from {$1300.00} XXXXAlong with the fact XXXX KNEW what they claimed to have paid was less requested the additional refund from tax office in XXXX knowing that with refund already of the {$700.00} and the {$760.00} i paid before they transfered the loan with the refund of {$54.00} they have not mentioned {$650.00} tax office is sending ... ..the whole scheme to gain these extra $ $ $ $ is not coming together as planned. TAX OFFICE REFUNDED ME {$900.00} caused real chaos for the tax office who was short handed with covid .And me trying to get the real facts of what had happenedXXXX EVEN told CFPB they payment i had made of {$860.00} 60 had not been paid.Also a {$54.00} penalty XX/XX/XXXX yet not one statement shows that .I had paid checks i did miss a payment .Caught up except for {$200.00} when XXXX DECIDED TO interfere for the SOLE PURPOSE OF PUTTING A PROPERTY IN FORECLOUSER. I have proof now of a lot more .Planet Home Lending has sent me payment coupons every month two or three times a month with different amounts. {$2100.00} above the real payment NO EXPLAINATION AT ALL.SOMETIMES {$740.00} OTHER TIMES THE correct amount like every third payment .I have not missed any .I just started paying {$51.00} higher with knowing i dont owe it with informing PLANET HOME LENDING THE hours of trying to get a corrected statement are over.Planet when i offerd to supply the proof from the tax office there was no impound account ..The lady who tried to help from Planet Home Lending last week was told by her superior .That i had to get XXXX TO GIVE THEM THE INFORMATION.I hit the roof .I called again a man from XXXX XXXX??? what on earth is that?? confirmed it he said XXXX WILL NOT TALK TO Planet he claimed privacy XXXX ANY LENDER THAT SERVICES A LOAN HAS A REPONSIBILITY TO SERVICE THE LOAN NOT STEER PEOPLE with a statement that says we took the loan without any knowledge of payments and because of that we can just make it up and send it out BECAUSE WE DONT KNOW WHAT THEY HAVE IN MONEY THAT YOU PAID? really excpecting me to accept that.. Talked me down .Now i am really scared of what they will do next .The man and a woman said they are not entitiled to know what information on me or the loan prior to XX/XX/XXXX THEY CAN NOT GO BACK BEFORE XX/XX/XXXX ... .this is a effort to put people in a comprimized situation creating so much confusion you as a borrower are kept off guard so much .That I have agreed in hopes they as a finacial institution would do the ethical thing to resolve it.After speaking to this man I was transfered to LAST WEEK i relialize this is worse than i thought.He informed me for the first time NEVER heard this .I have a COMMERCIAL LOAN.Not true this is a conforming single family FOURPLEX single family homes all with SEPERATE METERS yards garages laundry room ON A LOT RESIDENTIAL .LOT WHAT IN the h is he talking about ... ..FIXED RATE... .now i have pulled out papers you will not believe.. I have been put into a bed of LIONS THE ONLY LOANS I EVER HAD ARE ALL XXXX XXXX REAL BANKS WHAT IS THIS MESS... THERE WAS NO LOAN ON THIS PROPERTY MY APPRAISEL WAS IN THE HIGH 700S WITH MY CREDIT SCORE AROUND XXXX I HAVE BEEN LIED TO THESE PEOPLE ARE NOT LENDERS??
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| 06/13/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in unfair or deceptive debt collection practices ( for example, making false or misleading representations ) in connection with the collection of any consumer debt ( 15 U.S.C. 1692 to 1692p ). A consumer means any natural person obligated to pay a debt ( 15 U.S.C. 1692a ( 3 ) ).
In general, an attorney hired to foreclose a residential loan is a debt collector under the FDCPA if the attorney regularly engages in consumer debt collection, including through litigation ( Heintz v. Jenkins, 514 U.S. 291, 299 ( XXXX ) ).
A debt collector must : Provide a disclosure ( " mini-Miranda '' warning ) in its initial communication with a borrower. A formal pleading in a civil action is not considered an initial communication.
Send the borrower a debt validation notice containing the information required by statute within five days after the initial communication.
Verify the debt if disputed in whole or in part and stop all debt collection efforts until verified.
Identify itself as a debt collector in later communications with the borrower.
( 15 U.S.C. 1692e ( 11 ) and 1692g ( a ), ( b ), ( d ). ) Per testimony provided by XXXX XXXX on XX/XX/XXXX in XXXX XXXX XXXX XXXX Florida, XXXX XXXX case # XXXX, XXXX XXXX primarily handles foreclosure actions. He is for all intents and purposes a " debt collector '' per the FDCPA.
XXXX XXXX has failed to abide by the FDCPA requirements listed above. In addition, XXXX XXXX continues to make false statements and misrepresentations concerning federal regulations enacted during the COVID-19 pandemic.
1. The servicer must ensure the borrower has been given every opportunity to pursue all possible loss mitigation options in order to bring their loan current. Failure to do so could impact a future claim payment and could lead to other legal or administrative action ( s ) against the servicer. See Circular 26-20-12 ( 1 ), Extended Relief Under the CARES Act for those Affected by COVID-19.
2. Servicers should review loan files for all possible loss mitigation options no later than 30 days before the forbearance period is scheduled to end. Servicers should document such reviews in their loan servicing systems. If no loss mitigation options are possible, in cases where the home has equity, servicers must refer the file to the relevant XXXX XXXX XXXX for VAs consideration of a loan refunding. See Circular 26-20-12 ( 5 ) ( c ), Extended Relief Under the CARES Act for those Affected by COVID-19.
3. Rescission : This Circular is rescinded XXXX XXXX XXXX. See Circular 26-20-12 ( 5 ) ( c ) Change 1 ( 3 ), Extended Relief Under the CARES Act for those Affected by COVID-19.
4. At the time XXXX XXXX 26-20-12 was in effect, Plaintiff Planet Home Lending had me on 3 month increments of CARES ACT COVID-19 forbearance, with the first period starting on XXXX.
5. I would of exited this forbearance period on XXXX, with Plaintiff Planet Home Lending being required to review loan files for all possible loss mitigation options no later than 30 days before the forbearance period is scheduled to end. Servicers should document such reviews in their loan servicing systems. If no loss mitigation options are possible, in cases where the home has equity, servicers must refer the file to the relevant XXXX XXXX XXXX for VAs consideration of a loan refunding.
6. No later than 30 days before the forbearance period was scheduled to begin would of been XX/XX/XXXX. The principal on the home at this time was roughly {$260000.00}. The appraisal on the home from the time of purchase listed the value at {$290000.00}. Based on as much the home would have had equity on XX/XX/XXXX, requiring the servicer to refer the loan to the VA for possible refunding.
7. XXXX XXXXXXXX XXXX change 1 ( 2 ) ( 1 ) states in part Chapter XXXX of the XXXX XXXX XXXXXXXX XXXX lists two types of loan modifications that expressly allow for a servicer to expedite processing for a borrower affected by a disaster. These options are the VA XXXX XXXX and the XXXX XXXX XXXX.
XXXX. VA XXXX XXXX change 1 ( 2 ) ( 2 ) states With this Circular, VA is clarifying that a servicer can enter into a VA Disaster Modification if the modification is made not later than the date that is 18 months after the date on which the COVID-19 national emergency ends without VA XXXX. Additionally, a servicer can offer a VA XXXX XXXX regardless of whether the borrower has entered into a COVID-19 forbearance plan and regardless of whether the COVID-19 national emergency caused the default.
XXXX. VA XXXX XXXX change 1 ( 2 ) ( 3 ) states Additionally, VA is allowing for Disaster Extend Modifications to extend the loans original maturity date for up to 18 months, in cases where the loan is modified not later than the date that is 18 months after the date on which the COVID-19 national emergency ends. VA does not normally allow for Disaster Extend Modifications to extend the loans maturity date more than 12 months beyond the original maturity date without VA preapproval. The servicer can offer a Disaster Extend Modification regardless of whether the borrower has entered into a COVID-19 forbearance plan and regardless of whether the COVID-19 national emergency caused the default.
In conclusion, the VA had directed loan servicers to offer loss mitigation options to defaulted borrowers where possible, and if no home loan options were possible, the home loan in question was to be referred to the VA for possible refunding. As much is material fact. It is also material fact that these requirements were not met. XXXX XXXX continues to make false statements and misrepresentations regarding as much. In addition, the foreclosure in question was filed while the home was under a CARES ACT COVID-19 forbearance. The attached documentation demonstrates as much and XXXX XXXX continues to make false statements and misrepresentations regarding as much.
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| 09/27/2019 |
Yes |
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Web |
Servicemember |
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Step 1 : What is this complaint about?
Loss of interest rate during refinance, due to process failure and negligence.
Step 2 : What type of problem are you having?
Given incorrect information by customer service and failure of the company to follow explicit instructions from the customer.
Step 3 : What happened?
On Friday, XX/XX/2019, at XXXXhrs I received a call from my closing attorney regarding my closing scheduled for XXXX on Monday the XX/XX/XXXX. She had done final checks on the closing disclosures and found out that Planet Home had failed to pay the county taxes on schedule, which changes my cash to close from {$370.00} to over {$4800.00}.
I called Planet Home Customer Service at XXXX, XX/XX/XXXX, to discuss the issue. They told me that this resulted from them receiving a payoff request within 30 days of when the taxes were scheduled to be paid and that their policy was to not make that payment if the payoff was received in that time frame. They asked if I wanted them to go ahead and make the payment. I told them not to make the payment, that I would discuss it with my closing attorney and If I needed them to do that, then I would contact them again and instruct them to do so.
After discussing it with my attorney, we determined that we could get a new payoff statement and account for the taxes in the closing. The lender sent a new payoff request Monday morning, XX/XX/XXXX. My Wife and I called in and discussed this with Planet Home on Monday morning, XX/XX/XXXX, and found out that I, as the loan holder, had to send in a specific request, hand signed by me, specifically requesting a netted payoff, in order to have the escrow money included in the payoff amount, this reducing the overall payoff. This would have completely solved the issue with the taxes.
Planet Home stated that it takes 3 days minimum to get a payoff statement and they would not be able to get this completed in time for my closing. We discussed this with the attorney and the lender and determined that my rate lock expired on Monday, XX/XX/XXXX. She suggested that we could sign the loan as is, and adjust the closing disclosures when the new payoff statement was received. If there were any glitches in the process we had a 3 day Right to Cancel. We chose to accept this option and give Planet Home time to do the statement properly.
On Wed, XX/XX/XXXX, we received the new payoff statement, which was not a netted payoff and did not account for the escrow funds. I again called Planet Home, and was told that they " do not '' include escrow funds in payoff statements. I explained what the representative told me on Monday regarding the process for a netted payoff and asked why this was not done according to my request and their instructions. They were not able to give me a satisfactory answer. I then asked for the exact amount in the Escrow so that I could discuss further remedies with my attorney, and was told that there was {$1800.00} instead of the {$5200.00} that should have been in the account. I asked for details and was told that they had made disbursement of fund to pay county taxes on Tuesday,XX/XX/XXXX. I asked why that was made since I had specifically stated to them to not make that payment and had accounted for it in the closing, and had requested a netted payoff which should have included those funds. I was told that Planet Home does not stop tax payments from escrow funds simply because a payoff statement was issued because they are legally bound to make that payment. This contradicted what I was told on the previous Friday.
I then called my attorney back to discuss options and determined that it may not be feasible to remedy this situation satisfactorily.
I called back to Planet Home again and asked for a supervisor. Once I got a supervisor, I asked him why my request for my tax payment to be held off was ignored, and he reiterated that that was not their process, and he was not sure why I was told that. The implication I took was that I should never have been given that option in the first place. I should have been told when the payment was scheduled to be made. I then asked him why my request for a netted payoff had been ignored, and he stated that the payoff request was made by a third party and did not request a netted payoff, nor did it contain an authorization for a netted payoff from me. When i asked him specifically if there was a letter attached to it with my signature on it, he opened the file and confirmed that there was no authorization letter. He then noticed a second request submitted on Monday, submitted by me, which included my authorization letter and specifically requested a netted payoff, which was never opened and acknowledged.
As a result of not being given proper information by the company, I was unable to make informed decisions about my refinance of this loan. Because of the failure to follow specific instructions and pay attention to the requests submitted, I was forced to either come out of pocket over {$4800.00} for closing costs or lose the interest rate which I had locked in. Since I did not have {$5000.00} in liquid cash at the end of the month, and was only expecting to need less than {$500.00} to close, I was left with no choice but to exercise my Right to Cancel and lost my interest rate. This cost me {$200.00} per month decrease in my mortgage payment, amounting to {$69000.00} over the remaining life of the loan. This is a direct result of Planet Home 's actions and inactions.
Step 4 : What company is this complaint about?
Planet Home Lending , LLC Monday Friday XXXX XXXX XXXX XXXX ET Toll Free : XXXX Payoff Fax : XXXX Email : XXXX Mailing Address : Planet Home Lending , LLC XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Step 5 : Who are the people involved?
No Specific Names, Customer Service Department only, as I was told that I was not allowed to speak directly with the Payoff Department.
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| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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As of XX/XX/XXXX, the servicing of my mortgage loan was transferred from XXXX XXXX XXXX XXXX XXXX to Planet Home Lending , LLC. As required, I continued to make timely monthly payments to the appropriate loan servicing agent. However, on XXXX XX/XX/XXXX, I returned to my home to find a certified letter postmarked XX/XX/XXXX. It was from XXXX XXXX XXXX XXXX stating that there was a " lapse '' in my homeowner 's coverage due to non-payment. Please note that for the past 20 years that I have had this mortgage, I have always escrowed the taxes and insurance.
Upon discovery of this notice, I immediately began an investigation on the next business day, XXXXXXXX XX/XX/XXXX. I called XXXX and spoke with XXXX who stated that the flood policy was paid on XX/XX/XXXX, and that Planet Home Lending was notified that same day that due to late payment, there was a lapse in coverage with the new policy effective date as XX/XX/XXXX. Additionally, XXXX informed me that Planet Home Lending had been provided with an updated mortgage clause listing Planet Home Lending as the new lender. I asked if I there was any way for me to get flood insurance in the interim until the new policy took effect on XX/XX/XXXX. XXXX said that an individual purchasing a policy has a 30-day waiting period, therefore, I could not buy a policy in the interim.
On XX/XX/XXXX, I spoke with my insurance agent and learned that the homeowner 's policy had been paid late, but it was done so without a lapse. But the flood insurance with XXXX XXXX was not paid timely and was, therefore, cancelled. Here is a summary of what I learned : -My insurance agent reached out to Planet Home Lending on XXXX occasions XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX PRIOR to the date of cancellation. The purpose of their calls was to remind Planet Home Lending that payments were past due for the homeowner 's and flood insurances.
-On XX/XX/XXXX, my insurance agent emailed copies of the insurance declarations along with past due invoices -On XX/XX/XXXX, my insurance agent spoke with XXXX at Planet Home Lending and was told that the payments would be sent overnight on XXXX, XX/XX/XXXX, and both companies should receive payments by the following day -On XX/XX/XXXX, my insurance agent called and spoke with XXXX at Planet Home Lending and learned that the payments had not been released. The agent explained that the " flood policy would lapse effective XX/XX/XXXX for nonpayment leaving the insured with no coverage during hurricane season ''. XXXX said that her manager would be calling the carrier to make a possible phone payment. The manager makes the decision whether to go forward with the payment.
-On XX/XX/XXXX, my insurance agent confirmed that a payment was made to XXXX for the flood insurance, but it wasn't received by XXXX until XX/XX/XXXX. Since the payment was not within the 30 day grace period allowed to mortgage companies to renew without lapse, the new effective date was changed to XX/XX/XXXX.
In summary, despite repeated notifications and opportunities, Planet Home Lending made egregious errors and failed to make timely payment, and as a result, I have been without flood insurance from XX/XX/XXXX to XX/XX/XXXX.
On XX/XX/XXXX, I contacted Planet Home Lending insurance department and spoke to XXXX. I was on the phone with her for over 40 minutes and repeatedly told that there was nothing she could do to help me get this resolved and I would have to wait until XX/XX/XXXX to have coverage. I insisted on speaking to a supervisor and was eventually transferred to manager, XXXX XXXX. After 20 minutes on the phone with her, she informed me that I did have " lender placed '' coverage, but it did not include coverage for contents ; only for the property. I asked for proof of that coverage, but Lynnette told me that she could not access that information, but would make sure I received it within 24-48 hours. After hearing nothing back, I called XXXX back on XX/XX/XXXX only to learn that the one person who had access to my flood insurance coverage documents was out on vacation and not due back until the following week. I thought this seemed completely unacceptable and insisted on speaking to another manager. I spoke to XXXX XXXX who informed me that I did have lender placed flood insurance, but he could not provide me with proof. He assured me that he would " expedite '' my request.
Since XX/XX/XXXX, I have made over 20 calls to Planet Home Lending requesting proof of lender placed coverage. On every occasion, I was either told that no one could help me and/or I was given inaccurate and conflicting information. To date, I still have no proof of flood insurance coverage from XX/XX/XXXX to XX/XX/XXXX. During that time, the state of Florida had a serious threat of hurricane which was headed directly for my home on the west coast ; my home lies in Hurricane Zone A which is poses the largest threat of flood. Despite my outcries for help immediately before and during the hurricane threat, I still have no proof of coverage. In fact, XXXX XXXX recently informed me that Lender Placed Insurance didn't even take effect until XX/XX/XXXX which is 37 days after my flood insurance policy cancelled.
It's also important to note that I have never been officially notified of the lapse in flood insurance coverage by Planet Home Lending, even though they were notified by XXXX on XX/XX/XXXX. As of the date of this complaint, not one notice, email or phone call was initiated by Planet Home Lending to inform me of the lapse of coverage.
It's my understanding that as a term of the mortgage loan, Planet Home Lending is required to enforce and ensure that there is homeowner 's and flood insurance on my property. I am asking for proof of that coverage from the date they let the policy lapse, XX/XX/XXXX, through the re-activated date of XX/XX/XXXX.
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| 12/08/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I am writing you today to file a formal complaint. This complaint is to informal you about maleficence being conduct by Plant Home lending. I been my home for I am currently in bankruptcy and I was suppose to have been granted a loan modification in XX/XX/XXXX. At that time I was seeking help to make my home affordable after holding it down for 10 years after my husband 's death. I went to Planet Home lending in XX/XX/XXXX for assistance to modify my mortgage.
After being laid off I could no longer afford the payments. I fell behind I reached out to XXXX to assist me in obtaining a loan modification to make the home affordable. After speaking with your representative I was informed that my lender is unwilling to extend any programs that are currently in the housing market to assist home owners stay in their homes to me because of my credit. The letter that I received via email after reaching out to the presentative for Planet Home Lending stated that credit was not the deciding factor but the presentative Mr. XXXX told me that my credit was part of the decision. I am confused. Also I never receive a letter in the mail from Planet Home Lending or XXXX XXXX stating that my loan modification was denied had I not email Mr. XXXX for a status update I would have not known the position. After getting a response on XX/XX/XXXX I see that I only had 15 days to file an appeal.
On the mortgage statement dated XX/XX/XXXX stated that my payment due XX/XX/XXXX is {$19000.00}. If I was granted a loan modification in XX/XX/XXXX and the past due amount was rolled in the new loan and the interest rate and the amount I now owe on my home has change, started over how could my next payment be {$19000.00} in fact the statement should have been my new payment amount of {$2900.00} with a no past due balance. When I got the next statement dated XX/XX/XXXX the payment amount is {$19000.00} the payments are going up it is no way that if I got a new loan under the modification how could I possible owe {$19000.00} for 2 months after the loan modification each month after XX/XX/XXXX until XX/XX/XXXX the payment amount continue to increase every month. I never got a new mortgage statement reflecting a clean slate.
Before and after being granted a loan modification in XX/XX/XXXX I noticed on my mortgage statements that I had money that was unapplied to my mortgage. When I questioned the funds I was told that partial payments were not applied. I found out that Planet Home Lending was still accepting funds from the Bankruptcy Trustee after granting a loan modification in XXXX. Planet Home Lending received these funds from XXXX XXXX until XXXX XXXX and never applying these said payments to my mortgage. When I informed my attorney about the unapplied funds my Attorney contacted Planet Home Lending for an accounting of the funds. Planet home balance my account sending me a statement dated XX/XX/XXXX with my next mortgage payment due XX/XX/XXXX in the amount of {$1600.00}. On XX/XX/XXXX I got a mortgage statement where the unpaid amount that was credited to my account was added back in and my XX/XX/XXXX payment was {$30000.00} something is not making sense with these figures. Also I notice that my mortgage payments went from {$2900.00} to {$3300.00} and the interest rate never changed. With this being said it was okay for Planet Home Lending to receive monies that they was not entitled to and never giving me credit for the funds to retain the money and after making the decision that when I lost 2 jobs and fell behind in my payments that they should just return the funds the Bankruptcy Trustee as if it was a mistake. If I received payments that I was not entitled to I would be facing criminal charges.
Apparently they think because they are a large corporation that it is okay to take money from consumers keep it on their books and not reporting it or paying interest. Planet Home lending is hiding money they are not crediting the home owners. I was told on several occasions by their representatives that I did not have a loan modification and that they could keep the funds because the bankruptcy trustee paid it to them it was not my money to be applied. I am the one that is paying the trustee each month if they gave me a new loan with higher interest and new terms I should have received a mortgage statement starting over without a payment behind. The loan modification never stated how much was rolled into the new mortgage this company is playing on the fact that the consumer is not educated in the loan process and now their fix is to return the money to the US Bankruptcy Trustee that they fraudulently received and ask the court to foreclose on my home sweeping the fact that they took money for almost 2 years without it being detected and they can continue to break the law and take advantage of homeowners. I contacted Planet Home Lending to find out who holds the mortgage on my property I was told that it is XXXX XXXX. To this day I have never had any dealings or contact with XXXX XXXX. I always felt that there was something shaky about Planet Home Lending, my mortgage was transferred to them when my other servicer went out of business that was XXXX XXXX and my new servicer would be Planet Home Lending. I had the same account number and account representative that I had with XXXX at Planet Home Lending this makes no sense if the company went out of business I should have had a new account number and account representative. Now I have the same issue the end of this year with Planet home Lending two statements with a due date of XX/XX/XXXX with two different amounts due which is true this is very confusing to me something is not right with there books/accounting. This type of business practice should not be allowed.
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| 11/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Changes in loan terms during or after closing
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Web |
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Dear Sir/Madam, XX/XX/XXXX I am a XXXX public school teacher. XXXX XXXX XXXX XXXX originated a conventional loan for {>= $1,000,000} to buy my primary house located at XXXX XXXX XXXX XXXX, XXXX, XXXX, and the loan was closed on XX/XX/XXXX. XXXX XXXX who is the father of the owner of XXXX XXXX XXXX XXXX worked as my loan XXXX. He also worked as my broker on behalf of me to get {$48000.00} Home Equity line of Credit against the house from XXXX XXXX XXXX XXXX as a XXXX mortgage. Just after closing the loan The XXXX XXXX XXXX XXXX sold my loan to XXXX XXXX and the loan stayed with XXXX XXXX until XX/XX/XXXX. It is mentionable that XXXX XXXX XXXX XXXX bought back my loan on XX/XX/XXXX ( almost XXXX and half year later ) from XXXX XXXX, and sold again to Planet Home Lending , LLC on the same date ( XX/XX/XXXX ). It is also mentionable that neither XXXX XXXX nor anybody else forced XXXX XXXX XXXX XXXX to buy the loan that was once sold to XXXX XXXX by XXXX XXXX XXXX XXXX. It is also mentionable that Planet Home Lending , LLC used to work as loan servicer from XX/XX/XXXX to XX/XX/XXXX for my loan on behalf XXXX XXXX before buying it from The XXXX XXXX XXXX XXXX Now Planet own the loan and also works as a servicer. It is also mentionable that Planet Home Lending offered me a Loan Modification by keeping the original interest as it is ( 3.125 % ) with 40 years ( original 30 years ) extension on behalf of XXXX XXXX after my XXXX year forbearance over which I had to take due to pandemic. Planet denied my XXXX agreement and raised interest rate to 4.8 % and brought the loans terms back to 30 years again ( original ) after Planet buying the loan although I satisfied the TPP agreement ( Please see attachment. It is also listed under Complain # XXXX with the CFPB ). After I submitted complaint about TPP agreement denial by Planet Home Lending , LLC to your organization ( CFPB ) on XX/XX/XXXX, Planet compelled to implement TPP agreement on XX/XX/XXXX ( Please, see the attached documents regarding TPP agreement implementation ). It is mentionable that if there was a flaw in my loan, XXXX would have claimed that during the TPP agreement denial time actually there is no flaws at all in my loan. Besides this, if my loan contained any flaws, The XXXX XXXX XXXX would have never bought it back again from the XXXX XXXX after selling the loan to XXXX XXXX. In addition to that, it was confirmed that my loan is absolutely flawless by XXXX XXXX officials numerous times. I spoke to XXXX XXXX official named XXXX XXXX ( Name might be misspelling ) at approximately XXXX pm on XX/XX/XXXX after receiving the summons on XX/XX/XXXX. According to XXXX XXXX XXXX loan came to us ( XXXX XXXX ) on XX/XX/XXXX and left on XX/XX/XXXX and there is nothing wrong in your loan. I also spoke to another XXXX XXXX official named XXXX XXXX ( XXXX might be misspelling ) at approximately XXXX on XX/XX/XXXX. According to XXXX XXXX, There is no report against your loan with the XXXX XXXX, and currently XXXX XXXX does not have your loan. So you should speak to the party who currently hold your loan. After I finished my conversation with XXXX XXXX I called Planet Home Lending , LLC and talked to a Planet official named XXXX XXXX ( Name might be misspelling ) at approximately XXXX on XX/XX/XXXX and asked her whether there is any report regarding my loan or not. According to XXXX XXXX, XXXX does not have any report against your loan, if you need anything about your loan contact XXXX XXXX office. Then I called again Fannie Mae the next day ( XX/XX/XXXX ) at approximately XXXX am and spoke to another Fannie Mae official named XXXX XXXX ( Name may me misspelling ). According to XXXX XXXX, There is nothing wrong with your loan it is a usual process we ( XXXX XXXX ) buy the loan and sell the loan. We sold your loan that does not mean your loan was defective rather it is a normal process. Since my loan is absolutely flaws XXXX XXXX XXXX XXXX sold it to XXXX XXXX and bought it back from XXXX XXXX and resold the loan to Planet Home Lending , LLC. It is my own understanding that The Planet Home Lending , LLC reviewed my loan thoroughly, and it bought the loan when it became XXXX XXXX percent certain that there is no defect with loan. Both Planet Home Lending , LLC and XXXX XXXX XXXX XXXX tried together by involving in process of buying and selling with the ill intention to dishonor the XXXX agreement and raise interest rate to 4.875 % and bring the loans terms back into 30 years. But with your organizations ( CFPB ) sincere role they failed to fulfill their ill intention for the 1st attempt. On XX/XX/XXXX, I received a summon from the court, and according to summon both The Planet Home Lending , LLC and XXXX XXXX XXXX XXXX were trying again to take away my home for the second attempt by suing me at the supreme court, NY and claiming that that a flaw was detected by XXXX XXXX in my loan. According to the case, The Planet Home Lending , LLC sued XXXX XXXX XXXX XXXX for the flawed loan selling, and XXXX XXXX XXXX XXXX sued me for the same reason. As I mentioned before my loan is absolutely flawless and it is also confirmed by XXXX XXXX multiple times. I am current with my loan and I am never late in my loan except forbearance due to pandemic ( Please, see the resolved complaint # XXXX which I filed with the CFPB on XX/XX/XXXX for details ).
In these circumstances, I hope that you would be kind enough to speak to both XXXX XXXX XXXX XXXX and Planet Home Lending , LLC so that XXXX XXXX XXXX drops the case against me so that I could stay at my home with my children and wife. I am looking forward to hearing from you soon.
Sincerely XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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| 08/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint shall replace Complaint # XXXX, which was originally submitted XX/XX/XXXX, and withdrawn XX/XX/XXXX. That complaint was withdrawn in order to provide all updated responses from Planet Home Lending and me.
***** My mortgage is with Planet Home Lending. It has been Planet Home Lending since they took over from XXXX. XXXX a few years ago ( XXXX I believe ). It was still XXXX XXXX when I filed XXXX XXXX Bankruptcy in XXXX, with the help of an attorney. We made it clear that I was doing so in order to keep the home and that I was living in the home with my son. I made all mortgage payments and the additional bankruptcy plan payments throughout the process. Planet Home Lending filed numerous motions and tacked on a ton of fees to the bankruptcy. They also charged property inspection fees indicating they sent someone to verify the home was occupied throughout the bankruptcy.
I was able to get Planet Home Lending to modify my entire loan this past fall ( effective XX/XX/XXXX ), which closed the bankruptcy. I signed modification papers XX/XX/XXXX, Planet Home Lending signed them XX/XX/XXXX, and Planet Home Lending filed the documents XX/XX/XXXX. My new payment following the modification was {$950.00} starting XX/XX/XXXX.
The end of year statement for XXXX that I received from Planet Home Lending stated I only paid roughly half of my real estate taxes. I dealt with Planet Home Lending from XXXX to XX/XX/XXXX trying to figure out what was going on numerous and lengthy telephone calls to Planet Home Lending and lack of follow up from them. I verified with my county that my tax bill had been paid in full in XX/XX/XXXX. To make a long story short, Planet Home Lending had paid my real estate tax bill in full XX/XX/XXXX. Then in XX/XX/XXXX, the issued a first installment real estate tax payment for the XXXX tax bill ( as if the tax bill had not paid in full and they were going to pay in two installments like they did in XXXX ). My county returned their check without cashing it as my tax bill had already been paid in full. Planet Home Lending showed this amount as a refund to my account ( even though they never showed the disbursement ), which caused my end of year statement for XXXX to be off.
Then in XX/XX/XXXX, I received notice from Planet Home Lending that my monthly payment was increasing to {$1100.00} due to an escrow shortage. Obviously, I was outraged after the mess I had already dealt with. This prompted emails back and forth between myself and Planet Home Lending ( see attachments ).
I have been trying to refinance through a local bank ; however, no one will take me due to the bankruptcy being too recent and my poor credit score. One banker recommended I file a complaint with CFPB. I did so on XX/XX/XXXX, over the telephone due to portal issues. I was not able to log in to the portal or submit supporting documentation until XX/XX/XXXX. Planet Home Lending had already responded directly to me by then. Long story short, they basically are saying they made an error and are using it for training purposes so others dont experience what I have. They sent me a refund check of {$210.00}, and are saying my new payment as of XXXX is {$960.00}.
I have responded to Planet Home Lending indicating that I want my payment set back to {$950.00} the amount it was based on my recent modification the amount I signed in agreement to. Their errors should not increase my monthly payment. I want them to refund me an additional {$100.00}, which is the full amount of all my overpayments due to their errors less the {$210.00} they already sent me. I also want them to remove additional charges of {$210.00} ( property inspection fees and recording fees ). This is better outlined in the attachments.
In going over all information while preparing this complaint, I took a better look at the Corporate Advance Fees chart Planet Home Lending provided me on XX/XX/XXXX. I sent a new email to Planet Home Lending demanding an explanation of the fees they are passing on to me, as nothing adds up. My email is included in the attachment for details, but basically once again their explanation does not make sense ; their math doesnt even add up. I also re-addressed the additional fees that showed up on my mortgage statement in XXXX recording fees and title report fees ( part of the {$210.00} I believe should be removed ). I want to know if these are being passed on from the Corporate Advance Fees chart or if something new was filed. These fees do not appear in my account online anywhere, yet randomly get added on to my statements. I question whether fees are being double-charged to me.
Planet Home Lendings predecessors, XXXX. XXXX pulled XXXX on my mortgage all the time.sending escrow analyses stating there were shortages and increasing my monthly payments/refusing to work with me on payments or modify my loan which resulted in my filing XXXX XXXX. XXXX XXXXXXXX was actually prosecuted in a class action suit. Planet Home Lending is just as guilty. At this point, I feel they should have to lower my interest rate in order to make up for all the stress they have caused, let alone the amount of time I have spent dealing with their errors. I can guarantee you if this is what they have done on my account, they have done similar to thousands of others. Mortgage companies make so much money on our accounts and it is a big deal when they make the type of errors they have on my account. Bigger than just a woops, we apologize and we are going to use this as a training tool. None of this is okay on any level!
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| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I have been disputing with XXXX for 2 years now about an account Planet Home Lending that was paid in full and closed XX/XX/XXXX. Planet Home Lending keeps reporting current status past due one year after account was closed and now 2 years after account is closed but they show account closed. XXXX will do nothing as they lack common sense to realize an account cant be past due if it in fact was closed 2 years ago and they will do nothing but say its what creditor reported. Give me a break so its ok to report grossly incorrect information? How can XXXX report something past due in XX/XX/XXXX when it was paid off in XX/XX/XXXX? They show both on report paid and closed XX/XX/XXXX and current status past due in XX/XX/XXXX. This has been going on for 2 years after XXXX originally removed account from report in XX/XX/XXXX then put back on and never did an investigation after requested numerous times to do one and when they do they put current status XX/XX/XXXX past due and the circus begins. I feel like im dealing with both incompetence at XXXX as this should be seen and corrected but after numerous calls and disputes they say not their problem its creditor that is incompetent which I believe because in XX/XX/XXXX I contacted creditor too and was told to email directly to XXXX which is Planet Home Lendings email so I did. I was told they would take care of and send me a letter through US mail within 5 days. On XX/XX/XXXX I did in fact send an email containing 3 documents to Planet Home Lending and as of this date XX/XX/XXXX I have never gotten either an email back or US Mail back so I kept on disputing with XXXX to no avail and now Planet Home Lending has reported paid closed but current status past due XX/XX/XXXX. This has knocked my credit score down 100 points because they are showing current status of a 2 year old closed account as past due instead of paid as agreed as they were paid in full XX/XX/XXXX. XXXX on XX/XX/XXXX states file investigation there is nothing they can do even though they know is wrong they cant do anything. Not just wrong but grossly wrong. Both XXXX and Planet Home Lending are negligent. This account should have been corrected by XXXX if they were doing a proper investigation but its obvious they dont even investigate just send out a generic electronic questionaire aka XXXX XXXX asking creditor to ok. This is not acceptable. Planet Home Lending never sees actual dispute I send in but they too are incompetent because they are reporting an account that has been 2 years closed as current status past due instead of paid as agreed. My last resort before filing a legal complaint against XXXX and Planet home lending is the CFPB. After which if this isnt corrected immediately a lawsuit will be brought against both as the effect this has on my ability to obtain credit is extraordinary and has effected me both financially and physically as well as psychologically as I have been turned down for credit because of and I have numerous hours sending disputes for 2 years calls on phone too and emails sent to correct their errors and they do nothing. This is irresponsible and its companies like this that should be reprimanded and fined. Its ok to make an error thats how you learn to do right the next time but to keep repeating and doing nothing to correct over 2 years is gross negligence. I have everything documented from first dispute to phone call dates and sent emails and am preparing to take this to court. Im not disputing anymore nor making phone calls or emails. Now I will seek damages if this account isnt either corrected to show current status as paid as agreed or removed. I am attaching current Equifax report page showing the stupidity of both Equifax as well as Planet Home Lending. Pay attention to the history and current status as you will see the history chart shows XX/XX/XXXX past due 120 days but nothing late prior to XX/XX/XXXX this is funny so I guess not only 2 years after closed and paid items can be late but now a month must consist of 120 days. Current status shows 120 days late. How can it currently be late if closed 2 years ago. XXXX we have a big problem.
This account was removed once in XX/XX/XXXX I suggest either Planet Home Lending remove account from my Equifax report or correct to reflect current status as paid as agreed and remove the past due 120 days in the history on XX/XX/XXXX.
Because of damage caused over 2 years but mostly the last year of both XXXX and Planet Home Lending and CFPB can note this item has been disputed previously with them.but with XXXX and nothing has been done to correct that correcting this item doesn not in effect stop any legal procedure from taking place for the current and past time this has effected my ability to get credit. XXXX and Planet Home Lending are still liable should I decide to take legal action against them for the time prior to them correcting if they so choose to do which might save them some grief as it is very clear and documented the gross mistake made and anyone with an IQ of above 2 can see this mistake aka error. I expect this correction or removal be done promptly as the clock is ticking and Ive spent enough time being polite and trying to fix this without having to take legal action.Maybe the only thing these companies understand is legal action and it might take a several XXXX XXXX dollar law suit to wake them up.
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| 01/21/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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At the beginning of the pandemic ( XX/XX/XXXX ) I was offered a covid forbearance by my lender Planet Home Lending ( PHL ). I was not working at the time due to everything being shut down and everyone in panic mode. I spoke with a representative at PHL and I was told that at the end of the forbearance period that the amount of the forbearance would be added to my mortgage in a balloon payment ( I believe they called this a silent second ) and there would be no income verification to resume making payments and bring my mortgage current.
After 3 months, I was told that my only option at that time was to apply for an additional 3 months since I had not obtained a full time income that would " qualify '' me for the silent second. When I asked them about " qualifications '' they said that there weren't any, but I might as well take advantage of the extension since I wasn't working and they couldn't work anything out anyway.
I obtained multiple extensions every 3 months until XX/XX/XXXX. It was my understanding that I was covered under the CARES act and they were not reporting anything to the credit bureau and I could exit the forbearance once the pandemic had ended without income verification.
Starting XXXX I was calling them almost every day to figure out what I needed to do for the silent second or if there was an option for a mortgage modification. I was told that they couldn't proceed with either until I got a full time job but I could apply for a forbearance extension by filling out a borrower 's assistance package. I filled out the borrower 's assistance package and called them often to figure out what I needed as far as a combination of part time jobs and " non traditional '' income ( renter, XXXX, etc... ). I was not given any indication of what would " qualify '' me for a workout. They basically said that it was up to the underwriters and I wasn't able to speak with them.
XXXX I was told that based on my application that I would get an additional 3 months extension or I would be given a " workout '' of some sort to resume making payments. I asked them about making the XX/XX/XXXX payment and they said it would be applied to XX/XX/XXXX. I spoke with a housing counselor and was advised to not make the payment unless PHL could assure me that it would be applied to XX/XX/XXXX. PHL told me I was welcome to make a payment at anytime but it would go toward XXXX, XXXX. Since I had been told that a " workout '' was being processed, I did not make a payment and waited for the results of my " workout ''. Ominously on XX/XX/XXXX I received an email from PHL stating " Planet Home Lending , LLC has closed our review of your Borrowers Assistance request. If you believe this was done in error please login via the link below or contact us immediately. " I called them immediately and they said the extension had been denied and there was no option for a " workout '' at that time. I asked why I was " denied '' and they said they didn't have that information and that a letter was being sent out to me. I waited 10 days and never received any correspondence other than the email that didn't really tell me anything. When I called to ask about this I was told that the extension was denied and that the " workout '' process had not been initiated due to lack of income.
At this point, am I 30 days late ( since the CARES act 18 month period had ended ) or am I 19 months late? When I asked PHL this question, they said 19 months. I had a potential contract that I thought was going to start in XXXX and made PHL aware of this. They said it was noted in the file and once I had the offer letter, they could process the workout.
I had another appointment with the housing counselor in XXXX and was advised to " kick the can down the road '' until I get a full time income and not make a payment unless it's toward making my mortgage current. I called PHL several times to try to figure out a way to get my mortgage current and to start making payments again. I was told the only way was to pay the entire amount in arrears. I clearly don't have that amount.
I did not make the XX/XX/XXXX payment and in early XXXX I received a certified letter from PHL. It basically said that I was 20 months behind and to contact them about a borrower 's assistance package if I wasn't already doing so. This was not a demand letter as far as I can tell. I contacted them by phone and asked them where I stood as far as the foreclosure process was concerned. They said that they wanted to avoid the process and I could make a payment and that it would show the underwriters that I was trying and that it would stop the foreclosure process. I asked if I could get that in writing and they said that they didn't do that.
Now I'm wondering what can I do... I'm able to start making payments, but they won't work with me to bring my mortgage current until I have a " job ''. I have a few job prospects but nothing concrete at this time.
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| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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PLANET home LENDING RECEIVED a loan transfer from XXXX XXXX XXXX XXXX XXXX ) My loan as it shows from response from XXXX to my XX/XX/XXXX complaint of fraud to CFPB thier response XX/XX/XXXX had a sheet of a break down showing my payments and taxes YET THE XXXX XXXX XXXX DOES NOT SHOW THAT AMOUNT AND HAS MAILED REFUNDS BACK TO XXXX {$700.00} i know of tax office sent to my email .XXXX shows the XX/XX/XXXX PAYMENT MADE {$980.00} + {$760.00} i made over the phone with XXXX COMPUTER SHARE CORPORATE OFFICE ( XXXX XXXX i FORWARED it in the emails XXXX CONTACT CENTER i have source I will mail some additional facts. SHE WAS SUPPOSED TO BE a resolution dept .Another XXXX. XXXX XXXX after hundreds of calls you can see just the 20 emails and over 270 pages faxed sheet is attached phone calls are about 100 when I found out in XX/XX/XXXX .WHAT XXXX was doing trying to sabatoge my tax payments..XXXX never me called back neither did anyone from XXXX call or email or send with any attempt to resolve ... ONLY THE LETTER TO SAY LOAN WAS TRANSFERED XX/XX/XXXX AND they had a goverment agency sent them a letter CFPB not any response at all XX/XX/XXXX XXXX response to complaint.THE May payment did not get transfered to PLANET HOME LENDING told me ( XXXX ) customer service she said ..when i called back she said i could ask for her THAT DID NOT HAPPEN you can ask NEVER THERE ON THE PHONE ETC XX/XX/XXXX ALL OF XXXX was spent trying to get answers about when i could get a loan number WITHOUT IT SHOWING AS XXXX payment when XXXX WAS MADE I TRIED TO register to make a XXXX PAYMENT could not i will mail proof. finally end of month I called in to make XXXX PAYMENT WAS NOT ALLOWED TO REGISTER they gave me a email that was another failed attempt my file i sent shows how many times i emailed When you call to see if they have emails and is there anyone who can help response is it takes time ... I said you received loan XX/XX/XXXX WITHOUT the XXXX payment or the in suspence amounts or the unapplied amounts said XXXX Planet Home Lending said only thing shows starts from XXXX and Planet can not get any information on the {$760.00} didnt show or XXXX payment.HERE IT IS XXXX AND IAM STILL IN THE DARK as to where the money is that i paid why suspense what is unapplied and suspense????
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THE spread sheet sent to CFPB does not show what PLANET HOME LENDING says.THE XXXX XXXX collector has a complete different amount the unapplied and in suspense is still a MYSTERY TO ALL XXXX AND PLANET HOME LENDING USE THE WORDING IN SUSPENSE, ,after that I WAS told if I made a XXXX PAYMENT it would be XXXX ( even with my proof ) IS THIS WHAT is acceptable? XXXX FIRST interferes tax payment owner having tax sent back to owner and even the XXXX getting refunds while trying to convince all the they paid taxes yet XXXX XXXX STATEMENT SHOWS no tax problem all.Planet home lending is carring the torch to ask for funds not get the credit out of so called suspense WHAT IS THAT HAS NO EXPLAINATION GIVEN. XXXX sent to CFPB showing THE XXXX PAYMENT made AND THE {$760.00} MADE ON XX/XX/XXXX TO THE RESOLUTION DEPT OF COMPUTERSHARE ALL IN UNAPPLIED FUNDS OR SUSPENSE ... ... NOW PLANET THINKS THEY CAN NOT JUST CHARGE A LATE FEE,,,,, ,THEY ARE SHOWING I am BEHIND A MONTH ... ..SEE THE PROOF IN WHAT I SENT FROM the BANK .All of this while i made PAYMENT ON THE PHONE WITH SO CALLED CORPORATE .... ITS A SCAM TO PUT PEOPLE BEHIND SO THEY CAN go to FORCLOSURE ..THE facts are there via my bank statements I CANT KEEP UP WITH THE DIRTY TRICKS, THERE IS NO ACCOUNTING METHOD no REAL OFFICE OR OVERSIGHT ..only what the MOB BEHIND THIS decidesThere are no real depts at all. Only people who have to answer phones at call centers .I was told i was speaking to a tax dept then the girl said no she was customer service,,, ,statements that do not tell you what is being done .amounts that say just say in suspence or unapplied. Planet asking for money charging late fee and saying a month behind ... when none of it is true ... ... ... making no sense of how they are justified to do so ..trying to charge {$380.00} a month in impounds when they showed CFPB TAXES ARE ONLY {$150.00} A MONTH AND THE OWNER ME sent in my taxes if XXXX would not have interfered the tax office sent me back {$600.00} and after they cashed my tax payments ... ..sent back to XXXX {$700.00} i know about .SO HOW CAN A IMPOUND ACCOUNT BE IMPOSED??? I HAVE SENT PROOF OF MY TAX PAYMENTS I WILL DO IT AGAIN ..DUE PROCESS FOR OWNING PROPERTY ALLOWS THE OWNER TO PAY WITHOUT interferance with sole intent to defraud ... ... XXXX XXXX XXXX WOULD NEVER SEND OWNERS PAYMENT BACK with no explaination and take another payment in place of it..WHILE owner has montly statements that do not show what XXXX did until XXXX OF XXXX three months after they PERPUTRATED THE SCAM
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| 10/17/2023 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Planet Home Lending did not lend any money so money can be sue. Planet Home Lending is a servicer that holds a loan. Because Planet Home Lending receives a service fee to report the account for the depositor bank this makes it a financial gain which is why they continue to report the account inaccurately. Servicers have no rights under transfer. Planet Home Lending should also provide me with a written notice in a timely fashion opting out of my financial information being shared with non affiliates. The reporting agencies are not affiliates furthermore they also have a f financial interest in this consumer account reporting.
servicer ( 2 ) Servicer The term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the Federal Deposit Insurance Corporation or the Resolution Trust Corporation, in connection with assets acquired, assigned, sold, or transferred pursuant to section 1823 ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the Government National Mortgage Association, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX, the Resolution Trust Corporation, or the Federal Deposit Insurance Corporation, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the Federal Deposit Insurance Corporation or the Resolution Trust Corporation for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ).
( 2 ) " Depositary bank '' means the first bank to take an item even though it is also the payor bank, unless the item is presented for immediate payment over the counter ; XXXX Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
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| 08/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX Issue : Predatory mortgage loan ( and foreclosure ) Loan origination Date : XX/XX/XXXX Mortgage Company : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # On XXXX I was offered a loan with the above mortgage company. I was a single dad who just finished with a really bad divorce and needed to keep a promise to my son that I would buy a house as soon as the divorce was done. XXXX XXXX XXXX offered me a loan that seemed too good to be true but it would get me and my son into a house instead of the cramped apartment we were living in. The first loan ( {$410000.00} ) was a stated income loan with NO money down for 40 years ( 100 percent financing ). The second loan ( {$100000.00} ) was a high interest rate ( 10.8 % ) second mortgage. These two loans would allow my son and I to resume a normal life again. I was told that because of my excellent credit and longtime employment I qualified for this special loan with 100 percent financing. I began to make my mortgage payments to XXXX XXXX XXXX.
In XX/XX/XXXX I was injured at work and forced to have XXXX XXXX on my XXXX that would keep me out of work until XX/XX/XXXX. At this time I could no longer afford to make my mortgage payments as XXXX XXXX just didnt pay enough to cover all my monthly bills. I reached out to XXXX XXXX XXXX for assistance and they modified both my first and second mortgage. This is where things got completely mixed up. After the modifications I went to pay my mortgages online and my second loan was no longer listed. I went into XXXX XXXX XXXX to find out what was going on. The clerk could not tell me anything except the loan had been sold or just written off and I should receive something in the mail. I never received anything from XXXX XXXX XXXX.
I received a letter in the mail from XXXX XXXX XXXX claiming they now own my second loan. I called the company and requested proof that they were the legal owner of the loan and then I would start making payments to them. They did not provide any documentation that they legally owned the loan. They eventually sent me an offer ( XX/XX/XXXX ) of {$18000.00} to pay off the second which was for {$100000.00} but still provided no proof that they owned the loan.
Sometime In early XXXX I received a letter from another company called XXXX XXXX claiming they now own my second loan. I called them and asked for proof that they owned the loan. Once again nothing was provided. In XX/XX/XXXX I received a letter from them wanting to settle the loan by offering me a settlement of {$36000.00} but provided no proof of ownership of the loan.
XXXX XXXX I had just had major XXXX XXXX and was going over the past months mail when I received several letters from Planet Home Lending who claimed they now owned my second loan and if I didnt start making payments immediately that they would foreclose on the home. I called the company and spoke with a XXXX XXXX. I asked XXXX what I could do and she said the trust that owns my second wants me to sell my house. She also said that I could pay around {$55000.00} right now and then start making regular payments until XX/XX/XXXX when the entire note is due. I told XXXX that the paperwork I have states that the second was for 360 months. I have spoken with this company several times and have gotten nowhere with them. Every time I call I speak with a different person.
XX/XX/XXXX I was served by mail that my house would be sold at auction right in the middle of this pandemic. I have called and yet spoken with another person and made them a verbal offer to settle this loan. I was told that someone would call me back in 24-48 hours with an answer. Its now been over three weeks and no return phone call.
I had to retain legal help and asked the attorney to help determine if Planet Home Lending actually owns my loan. My attorney also asked to see the final closing statements from when I bought the house. He determined that they do own the loan and he also said that these two loans are considered predatory loans which were very big in XXXX.
I am asking for your help in trying to get Planet Home Lending to work with me on a settlement. I do have some cash saved and really want to stay in my house as forcing all five ( XXXX XXXX in the house ) of us out on the streets during this covid pandemic would be devastating. I have a current 31 year career in XXXX XXXX and have done nothing but try to make my community a better place to live. My first loan with XXXX XXXXXXXX XXXX is current.
If someone could please reach out to Planet Home Lending, XXXX XXXX ( mitigation coordinator ) XXXX it would be greatly appreciated. The loan number on my account is. I just want to get this settled
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| 02/09/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have an active appeal. I have been trying to get a loan modification but have been routinely given misleading and incorrect information by the XXXX representatives of Planet Home Lending. Their representatives would contradict each other stating that my loan is either being processed with underwriting only to find out it's not because they are waiting on more information from me but when an attempt to provide the information their representative tell me its unnecessary that I have already provided the information and based on my income from the new job I will be approved for a loan modification. My home is in jeopardy of foreclosure because of these constant delays which lead me to believe there is no intention to modify my loan balance.
Please see additional information regarding my concern about inappropriate treatment by Planet Home Lending.
I filed an appeal after learning that I was denied a loan modification in XXXX because, at the time, I was receiving unemployment because of employment loss to XXXX. During my call, I informed the XXXX representative that I would probably be receiving a job offer in my field for XXXX XXXX XXXX XXXX XXXX The XXXX representative told me to notify them and forward the job offer letter, and my loan would be processed for a loan modification since I could afford to start making payments.
The job offer letter was forwarded to Planet Home Lending on XX/XX/XXXX. I spoke with an XXXX representative who informed me that my loan would now be processed for loan modification assistance.
I asked the XXXX representative if there was anything I needed to do. She said no, you provided the offer letter, and it may be 30 to 60 days before I hear back from the representative.
On XX/XX/XXXX, I contacted XXXX to make my regular mortgage payment of {$1400.00} and spoke with agent XXXX XXXX. She informed me that a letter was mailed requesting the total amount owed by XX/XX/XXXX. I received that letter on XX/XX/XXXX. She said that my account information showed that my information was not sent over to underwriting because I need to complete another RMA Request for Mortgage Assistance package and get that to her. I told her that this was frustrating because the previous XXXX representative said to wait 30 to 60 days, and no information was needed. She said not having the RMA is holding up my mortgage loan from being processed with the underwriting department.
I completed the RMA, contacted the XXXX department to ask some questions regarding the application, and spoke with XXXX XXXX. I said to him that I was about to forward the application. I am getting the run around by XXXX representatives being told that no information is needed, only to find out 30 to 60 days later that more information is required. I told him my application has not been updated and sent to underwriting because additional information is needed ; all the while, XXXX has taken adverse action against me because they do not have what is needed to get mortgage assistance.
XXXX XXXX informed me that the RMA is unnecessary because I have already completed an RMA document. He said he only needed to update my income and expenses, and he could do that over the phone. I provided him with the income and expenses. He said that is all the information he needs right now, and based on my salary, I can now afford to make mortgage payments and be approved for loan modification assistance. He assured me that any representatives that contact me in the future should see that I have provided all the necessary documentation and should not request additional information unless it is ordered directly from the underwriting department.
I spoke with XXXX representative on XX/XX/XXXX and was told that my property had no liens which cleared the way for underwriting to work with me.
I lost my job because of XXXX XXXX, which placed me in debt and a great deal of stress. I have been in my field for 24 years and am now back to work. I am now making mortgage payments.
I believe Planet Home Lending has inappropriately handled my loan. The XXXX department has told me contradicting and misleading information which has delayed/prevented my loan from being processed.
I am married with XXXX young kids, which would be devastating. I was not late before this unforeseen event of the COVID 19 pandemic and was making XXXX more than my current salary of $ XXXX I do not believe HUD and FHA intended for me to have this experience. I request that my account be expedited for mortgage assistance to make my loan more affordable to resolve my balance due of XXXX.
Thank you, XXXX XXXX XXXX : XXXX
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| 04/23/2020 |
Yes |
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Web |
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My name is XXXX XXXX XXXX and I existing client of Planet Home Lending LLC. ( NMLS ID # XXXX ), loan # XXXX for the real estate purchase ( property ) located at XXXX XXXX XXXX, XXXX, Texas XXXX.
The closing of the property was completed on XX/XX/XXXX, the lender of the mortgage was XXXX XXXX XXXX XXXX ( loan ID # XXXX XXXX. The XXXX XXXX was XXXX XXXX ( file # XXXX ). Shortly after the closing of the mortgage loan, I was notified via mail that Planet Home Lending LLXXXX was going to be our new servicer, and starting XX/XX/XXXX, all of our mortgage payments have been submitted to Planet Home Lending LLC ( see account statement ).
Taking into consideration the current mortgage rates I decided to refinance my loan with Planet Home Lending XXXX and on XX/XX/XXXX, we ( wife, XXXX XXXX, and I ) signed the LE ( loan estimate ). We were expected to close on the refinance of the property on XX/XX/XXXX. Originally, our Loan Originator, XXXX XXXX XXXX ( NMLS # XXXX ) reaffirmed to us that we did not need any cash to close and the final Closing Disclosure ( CD ) was signed on XX/XX/XXXX ( see attached ).
On XX/XX/XXXX ( two days before the closing date ), I received another CD from XXXX XXXX XXXX without any notification or information describing the reason why we were getting another CD. The figures on this CD were completely different and the cash to close had suddenly increased from {$290.00} to a staggering amount of {$3000.00}. I immediately called XXXX XXXX and he did not pick up. The Loan Processor, XXXX XXXX ( NMLS # XXXX ) informed me of my taxes being outstanding and this was the reason why I needed to pay this amount if I wanted to refinance with Planet Home Lending LLC. XXXX XXXX additionally informed me that is money I owe and if I need to be current with my taxes, she suggested I should pay them ASAP.
On XX/XX/XXXX, I called Planet Home Lending LLC. and they explained to me that my taxes were not past due, but that I could forward them the Tax Bill ( see attached ) and they were going to forward the bill to their Tax Department, and the Customer Representative informed me that someone was going to call me back. No one called me back and after made attempts to get in contact with XXXX XXXX, he suddenly stopped responding to my calls and emails.
On XX/XX/XXXX, I called Planet Home Lending LLC once again to find out if there was any additional information on my case and the Customer Representative informed me once again that I needed to resubmit the Tax Bill and someone from the Tax Department at Planet Home Lending LLC was going to give me a call. I didnt receive any calls nor emails from anyone at Planet Home Lending LLC.
On XX/XX/XXXX, I called Planet Home Lending LLC once again, the Rep. verbally informed me that my taxes were up to date and she did not see why my taxes were outstanding with the City of XXXX. I explained to her that I could not refinance my property due to the outstanding tax bill and she once again informed me to submit the Tax Bill ( third time ) to Planet Home Lending LLC.
Ive made several attempts to get in contact with XXXX XXXX or someone from the XXXX Department at Planet Home Lending LLC and no one is calling me back. Additionally, no know seems to understand the reason why my taxes are past due and this has seriously given me a great deal of concern. I understand we are all going through a rough time and the City of XXXX Tax Office may not be operating due to the COVID-19 Pandemic. But Planet Home Lending LLC failure to pay the taxes on my property has caused me to incur additional cost and a lot of headaches because they do not return my phone calls. Attached to this complaint are three different emails that Ive to send them to explaining that my taxes are past due and no one has ever contacted me back to explain to me what occurred.
My wife has lost her job and any penny counts at our household right now. If I would have refinanced my current mortgage loan with Planet Home Lending LLC, my monthly payment would have been {$1500.00}. But since the taxes on my property are delinquent, Im continuing to pay the existing mortgage amount of {$1800.00}. That is a difference of {$280.00}, money that I can not spare right now since we are all facing difficult financial hardship due to the COVID-19 Pandemic.
Now, Im not asking for an extension to pay my monthly mortgage Bill or a refund for the amount that I could have easily saved if my taxes were up to date. But Im simply asking is for Planet Home Lending LLC to do their job, just like I do mine every day.
Best Regards, XXXX XXXX XXXX
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| 01/06/2022 |
Yes |
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- Trouble during payment process
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Web |
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Thursday, XX/XX/2022 Dear Sirs : Upon the receipt of Planet Home Lending, LLCs response to my Consumer Financial Protection Bureau complaint # XXXX I am forced to make an immediate response.
My opening line of my complaint states, Due to the lack of urgency, Planet Home Lending , LLC has failed the HOEPA law for home owners fees and late payment reporting. In this respect Planet Home Lending , LLC has broken the law ; in addition, Planet Home Lending , LLC did NOT address this grievance in my complaint. Furthermore, the Consumer Financial Protection Bureau did not address this matter with Planet Home Lending , LLC. I insist this unlawfulness be addressed and prosecuted.
Planet Home Lending, LLCs apology is not sufficient in regards to the damages ensued by the aggrieved parties in this complaint. An apology does not affirm that Planet Home Lending , LLC will not continue to falsely report to credit bureaus ; nor misappropriation of funds and then continue to place the burden of proof on we the aggrieved party. Damages have occurred as a result of Planet Home Lending, LLCs credit reporting. As stated in our original complaint, To reiterate, we were in the process of securing a refinance of our Planet Home Lending , LLC mortgage when AGAIN Planet Home Lending , LLC negatively reported to the credit agencies! These actions have forced us to continue to have to respond to Planet Home Lending, LLCs ineptness. One must spend a minimum of forty ( 40 ) minutes and more waiting to speak to a mitigation representative, hoping you will not be transferred or put on hold once more. All these calls are documented in notes with dates, times and all the Planet Home Lending , LLC personnels names. I will provide copies of numerous emails, phone calls to I. Best with zero responses. If I. Best did forward my correspondence, I have no way of discerning that fact! Again, our requests were unanswered, ignored and there was no urgency to our requests!
A repetition of part of the original complaint, We have volumes of emails, notes and proofs of payments with Planet Home Lending , LLC. Why cant a mortgage company keep track of loan payments, escrow payments and supporting documentation? Again, laws and regulations so state it is Planet Home Lending, LLCs responsibility to maintain proper documentation. There is no certainty that Planet Home Lending , LLC can properly decipher our documentation of loan payments, escrow payments and late tax payments. Apologies do not provide confidence in Planet Home Lending, LLCs performance. The fact that Planet Home Lending , LLC has : No proof of three loan payments Has not paid taxes in two differing years Has called us and requested an additional escrow payment while in forbearance ; payment was made but no evidence of credit to our escrow account Has reported to credit reporting agencies several times annually In their response Planet Home Lending , LLC states that OUR loan was approved for an FHA Partial Claim, a loan modification, a new monthly mortgage, all due XX/XX/2022. Do not we, the borrowers, have to agree to said loan modifications? Do we, the borrowers, have no rights or decisions in regards to our loan? To repeat, federal law states, an FHA mortgage holder possesses extra protection from your predatory actions ; we have more options for coming out of a forbearance than a standard mortgage holder.
To summarize : 1. Planet Home Lending , LLC has not been punished for the damages we have suffered as a result of their lack of urgency.
2. Planet Home Lending , LLC has not been punished for the damages we have suffered as a result of their continual falsely reporting to the credit reporting agencies.
3. There is no confidence in Planet Home Lending, LLCs ability to properly process additional documentation we provide to prove loan payments and escrow payments.
4. There is no confidence that Planet Home Lending , LLC will cease to falsely report to credit reporting agencies.
5. There is no confidence that Planet Home Lending , LLC can properly disburse payments and credit our escrow account.
6. Currently, Planet Home Lending , LLC has made decisions for us regarding our loan and modifications thereof without our approval! This is against the law!
We expect Planet Home Lending , LLC to follow the mandates of every aspect of the law. We expect the regulatory branch, Consumer Financial Protection Bureau, to enforce those laws and punish Planet Home Lending , LLC. Apologies are not sufficient nor do they safe-guard we the aggrieved party.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/23/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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To whom this concerns, This complaint is in reference loan number XXXX with Planet Home Lending. The company has been misinforming the homeowners and has been difficult to get the correct information from. Our loan closed XX/XX/XXXX. Shortly 4 months later the home was hit by Ian a CAT 4 hurricane. The home sustained 2 feet of standing flood water throughout the home due to Ian. The home was insured by flood and homeowners insurance. The claims were filed with both companies. There was no help from FEMA, application was denied due to having been insurance. The paid claims were not nearly enough to put the home back to livable conditions. The home was inspected by an engineer, the report is attached. His findings stated the home is inhabitable and should be condemned. Also, his report noted the home should be rebuilt and not repaired due to the damages to the home. Homeowner contacted Planet Home Lending and was able to get a FEMA forbearance from Planet Home Lending. It was to started in XX/XX/XXXXXXXX and ended 6 months later.
During this time my family was living in a travel trailer, and trying to put home back together. We were told in XXXX of XXXX that we qualify for a FHA disaster loan to reestablish as homeowners. We contacted a broker to assist with this process. We soon after had a accepted contract on a new home which was to be completed in XX/XX/XXXX, but later this date was pushed back to XX/XX/XXXXXXXX due to building delays. There is now a closing date of XX/XX/XXXX.
Planet home lending was contacted by broker and homeowner to discuss the options of short sale of the current property. When the short sale was applied for and the necessary documents to start off with were submitted expected a Bill of sale because we had to have the home listed for 90 days. After a month the broker reach out to Planet for additional information and was told the homeowners needed to submit bank statements. This was emailed within 24 hours of the request. Currently, the home has been listed for 78 days and counting. Offers and showing had been happening on the property but no offers were submitted to Planet Home Lending due to fact we were told the home had to be listed for 90 days. If we had sold the house sooner than the new home being completed, my family would have been homeless. The XXXX XXXX we were in was only a temporary, which left in XX/XX/XXXX.
Being this complaint to the present day, I spoke with Plant home Lending today XX/XX/XXXX, they reported and lied that our forbearance started in XX/XX/XXXXXXXX and end XX/XX/XXXX. This is incorrect information. The homeowner told the representative XXXX was told her findings on the account were wrong, she replied that she couldnt go back any further on the account ending in XXXX. In the beginning of my complaint I stated that Planet Home Lending has been misinforming and staff does not seem to be knowledgeable, this is why I feel that way. Also today, the broker reached out to Planet Home Lending to give a offer on the current home. She was told the file was closed and the homeowners would need to start the process over due to missing documents. When the representative from Planet Home Lending called, while in the process of the short, she always asked only two questions ; 1 ) Has there been showings? 2 ) Has there been offers?, she never asked for further documents other than those two questions. If she needed something we could of provided it if we had it. If the missing document was a offer for the house, why were were told 90 days on the market before offers were accepted. Again information that was told to homeowners and broker.
The short sale process can not be restarted. The new home is completed and to be closed on very shortly. Planet Home Lending should as a courtesy expedite the process or reopen the previous request. There is no time now to wait another 90 days, otherwise the new home will be lost, leaving the homeowners to continue to live in a unsafe damaged property.
As a human being how can someone continue to be kicked to ground due to something that was not to begin with their fault. The situation the homeowners we placed in was a act god. Hurricane Ian is to blame but yet the homeowners have to continue to suffer, almost one year later. When can the homeowners rest their heads at night in a safe home and have peace of mind that their safe from another act of god.
Please Planet Home Lending we are begging you reopen or expedite our Short sale. This has to happen for us to move on.
Thank you kindly, XXXX XXXX
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| 07/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been trying to make my XXXX XXXX payment since XX/XX/XXXX.
When I logged in to the payment portal, I noticed the payment had increased.
I had/have not been notified in any way of this change/increase. I called in and spoke to XXXX. She stated my escrow was incorrect, and the increase was because of the shortage. I explained, that I did not think this was correct since the house had just been purchased/settled on XX/XX/XXXX and no tax or insurance information has changed since the initial Mortgage Insurance reduction immediately following settlement. Which reduced amounts owed.
I also explained that since Plane Home has taken over the loan in XXXX, the account has not been correct. I have had to call in each month. I even had to get the previous lender ( XXXX ) involved - due to the nonresponsive/unhelpful nature of Planet Homes customer service associates .
After settlement I was notified that the mortgage insurance required had decreased, and that our FIRST & FOLLOWING payments would now change from : {$1900.00} to {$1800.00}. The escrow portion would change from {$260.00} to {$200.00}. Planet Home seemed unaware of this change and reluctant to investigate until I got the previous lender ( XXXX ) involved.
Now that, that has been corrected it seems my escrow account has been messed up and no one at Planet Home is willing to do anything to investigate or correct again.
I have spoken to : XXXX XX/XX/XXXX - all she did was request an escrow statement be sent to me & transferred me to XXXX after I asked to speak to someone knowledgeable.
XXXX XX/XX/XXXX- who stated she was a supervisor, but kept referring to my second mortgage which has no relevance to this, and didn't seem/want to grasp the situation or be helpful in any way.
XXXX XX/XX/XXXX- who seemed to possibly understand, was going to research & call me back - NO RETURN CALL/CONTACT to date.
I am concerned that the beginning escrow balance from settlement and the following payments appear to be missing.
It also seems that Planet Home is trying to double pay my homeowners insurance.
Once these items are corrected - there should be no escrow shortage.
Escrow beginning balance from closing XX/XX/XXXX : {$270.00} XX/XX/XXXX payment made XX/XX/XXXX to XXXX XXXX {$1900.00}, escrow- {$260.00} XX/XX/XXXX payment made XX/XX/XXXX to XXXX Mortgage {$1800.00} escrow - {$200.00} XX/XX/XXXX payment made XX/XX/XXXX to Planet Home {$1800.00} escrow - {$200.00} XX/XX/XXXX payment made XX/XX/XXXX to Planet Home {$1800.00} escrow - {$200.00} NONE of this is reflected in the Annual Escrow account Disclosure Statement emailed to me XX/XX/XXXX. It states my beginning balance is NEGATIVE- {$160.00}.
THIS IS INCORRECT- WHERE IS ALL MY ESCROW $ $ $????
There should be approx. : {$520.00} in my account at the end of XXXX.
This is also very close to the amount Planet Home is stating I am short : {$520.00}?????
Table 2 - Escrow Activity History - shows that the wrong Mortgage Insurance amount has been being paid {$170.00} INSTEAD of {$110.00} that it had been reduced to in XXXX & that I have previously contacted them about.
Table 2 - Escrow Activity History - also shows that Planet Home is trying to double pay my Homeowners Insurance premium of {$730.00}. This was paid for, for the year at settlement XX/XX/XXXX and is not due again until XX/XX/XXXX.
Why is it showing that Planet Home is trying to pay {$730.00} again in XX/XX/XXXX???? Just 4 month later?
Also, according to the math in # 2, Line A - there should be no shortage - actually an overage : Expected amounts due : {$3100.00} vs. Actual amount due : {$2400.00} The actual is {$720.00} less than the expected. So, again - how is my escrow short?
If the amounts are disbursed correctly, I won't reach my allowable low point of {$180.00} until XXXX of next year & that is the acceptable amount/time.
I am including : Annual Escrow Account Disclosure Statement - INCORRECT from Planet Home- with errors marked Initial Escrow Account Disclosure Statement - mostly CORRECT from XXXX- it is just missing the {$260.00} instead of {$200.00} escrow payment amount from XX/XX/XXXX payment. The payment had already been made prior to being notified of the change.
Closing Cost Detail - showing initial escrow payment {$270.00} and Homeowners premium paid for 12 months {$730.00} First Payment Letter - showing correct amounts due
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| 03/28/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I closed on the purchasing of my home on XX/XX/XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX
1. After moving in and experience rain, water gathered in the basement, therefore I had to fix this problem.
2. There were trees in the yard, one was hanging directly over the roof, that had to be excavated.
3. The fencing around the property was falling apart, causing passerby to throw empty containers/trash into the front of the yard. This caused me to install a new fence for the protection of my property.
4.Sitting in the living room with my children one day, a total male stranger turned the front doorknob and proceeded to walk in. As he was walking in, I stood up to ask him who is he? He proceeded to telling me that he thought the building was still vacant and didn't know someone bought the house. I told him I did, and then he backed out from the front door. Immediately I went to XXXX XXXX and came back with two iron storm doors, one for the front and one for the rear door.
5. Some of the electrical outputs are not workable, they're just there.
6. The toilets need to be resealed, because they shift from side to side.
7. The yard needs some lawn care, because I can tell that from digging, they left the dirt in the front of the yard, causing it to look like a little hill in the front of the yard.
These are not complaints, because no house is perfect when purchasing, unless it's built brand new and you're the first person moving in, and even then, you might find something that was not done to your specification, because that's life.
I'm filing this complaint because I fell behind trying to correct the above-mentioned infractions and problems. I got in touch with Planet Home Lending who bought my mortgage from XXXX XXXX XXXX XXXX to obtain a repayment plan. Plant Home Leading with all the information that I already produced, is trying to push me in the direction to seek an Request for Mortgage Assistance ( RMA ). This RMA would increase my interest rate of my mortgage loan. Hence, I was told to seek a repayment plan, that was given to me. It was set up for six months ( 6 ) paying one full month 's mortgage of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an increase of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX of my previous mortgage payments. So far, I have been sending Planet Home Lending one month 's mortgage of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, plus an additional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to give a total of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Every week or every other week Planet Home Lending, even after the agreement and my being on time with my repayment plan that has been set up for six months ( 6 ) and I am in the middle of the sixth month and the third payment, I'm being harassed by this company. I'm being told by them that the repayment plan is not in the computer, they want me to do it over, they want me to resend documents, they want me to furnish tax documents, award letters, military documents, and whatever else they want.
If a repayment plan was already setup late XXXX XXXX XXXX, why am I experiencing this? Is this to force me to apply for a Request for Mortgage Assistance, so my interest rate on my mortgage can go up, from a 3.125 % to a 5.125 plus %. This kind of behavior would have Planet Home Lending just taking all of my monthly funds, so I would just have a home, but can't live. It's like another way of forcing me backwards, so I can lose my home, and that I will not do.
I need to be left alone, to finish up the next three payments, which is XXXX, XXXX, and XXXX not including XXXX, which is here this week after I make my payments mentioned above to be finished with the repayment plan and back on track. Also be advised that I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on hold in my account. When XXXX payments is made, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX will be added to what's on hold to give me two full payments, which includes the full payment I'm paying.
I'm told by Planet Home Lending that I don't have enough income for this home. If that be the case it's the same income that I use to purchase the home when I closed with XXXX XXXX XXXX XXXX, so I don't understand. This is a VA Home Mortgage.
I hope I don't have to take this any further, and looking forward to your assistance, thank you.
Best, XXXX XXXX
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| 11/26/2018 |
Yes |
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- Trouble during payment process
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Web |
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To whom it may concern : I am attempting to rectify a refusal from our new lender, Planet Home Mortgage, to acknowledge we did make our first mortgage payment and immediately demanding twice the payment for XXXX. Planet Home Mortgage, without good faith, erroneously believes we never made our first mortgage payment to the original lender. I have attempted to contact them by phone four times to resolve this, and email. Planet Home Lending refuses to acknowledge or even answer their phone today that we have already made two payments, not one. I think they either have a data entry error they refuse to rectify after numerous reasonable attempts to rectify the problem on my part, or are simply acting in bad faith violating federal law.
We originally signed a mortgage note to XXXX XXXX XXXX on XX/XX/2018. See Group Exhibit A, pages 1-4 as attached. Monthly mortgage payments for the original loan XXXX were to be made starting XX/XX/2018 of {$1000.00}. See Exhibit A pages 1-2, proof of original mortgage lender and payment terms. See page 3, which demonstrates we provided a cashier 's check on XX/XX/2018 via U.S. Mail to XXXX, which was indisputably the original lender for XXXX dollars with the original loan number on the Cashier 's Check, XXXX. See also Group Exhibit A-3, and A-4, and A-5 showing written acknowledgement by the previous lender which was still the lender on XX/XX/18 when the cashier 's check arrived, that XXXX received and cashed it.
See Group Exhibit C, a letter we received on or about XX/XX/2018 from XXXX advising us that the mortgage loan was being transferred to Planet Home Lending XX/XX/2018, and the new loan number would be XXXX, with new payments to be sent to Planet Home Lending LLC, XXXX. XXXX XXXX, XXXX, Texas XXXX. On XX/XX/2018, I called and emailed and spoke with XXXX XXXX at XXXX XXXX XXXX, who sent me an email acknowledging that XXXX did receive and cash our original payment of XXXX dollars made on XX/XX/2018, before we had ANY reason to believe that Planet Home Lending would be the new lender.
On XX/XX/2018, I received a telephone call from a woman named XXXX at Planet Home Lending, seeking to update my information, and reminding me I had never paid my first mortgage payment. I told her I had, and attempted talking to several people that day at Planet Home Lending. But obviously, proof by claim to have paid verbally is regarded as a nullity. So I emailed Planet Home Lending and XXXX XXXX XXXX showing that I sent a payment in already for XXXX dollars to XXXX, before we had any reason to believe that XXXX was not the lender on XX/XX/2018. See Group Exhibit B.
Planet Home Lending responded that my account would be credited for the original mortgage payment when my loan was truly transferred on XX/XX/2018. See Group Exhibit B.
Today, XX/XX/2018, I received a notice demanding payment immediately for {$2100.00} dollars from Planet Home Lending, reminding us we " missed '' a mortgage payment due on XX/XX/2018 for {$1000.00}. See Exhibit D.
We also made our next payment, due to Planet Home Lending on XX/XX/2018 via cashier 's check, Exhibit E, for {$1100.00} dollars on XX/XX/2018, which we sent Certified Mail, return receipt requested on XX/XX/2018 ( Exhibit F ), which the U.S.P.S. website shows was received by Planet Home Lending today, XX/XX/2018 ( See Group Exhibit F ).
I can not afford to eat another XXXX dollars and make a double payment for XXXX XXXX. We paid our first installment of {$1100.00} ( See Exhibit A ) more than a week before Planet Home Lending had anything to do with this mortgage to XXXX XXXX XXXX. Either XXXX XXXX XXXX never forwarded this payment to Planet Home Lending, or Planet Home Lending is disorganized, and despite my numerous attempts to rectify it with them, refuses to correct the error in their computer system saying we never paid our first mortgage installment, or this is a bad faith attempt by Planet Home Lending to have its cake and eat it too. They can receive full mortgage payments and still file a foreclosure.
If this were a dispute of ten dollars, or even 100-200 dollars, I would just make a double mortgage payment to avoid foreclosure, since someone at Planet Home Lending incorrectly believes we never bothered to make our first mortgage payment. But we can not spare an additional XXXX dollars to just settle this, nor should we have to.
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| 10/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX I requested with Planet Home Lending for them to pay my supplemental prop tax as we have excessive funds in our current escrow account then. The request indicated for both first and second installments.
Planet Home Lending paid the first supplemental prop tax bill CORRECTLY and on-time on XX/XX/XXXX ( {$2400.00} ).
XX/XX/XXXX I emailed Planet Home Lending to remind to pay the 2nd installment SUPPLEMENTAL as its coming due on XX/XX/XXXX.
XX/XX/XXXX I saw on my Escrow Account History online that Planet disbursed wrong amount for the 2nd installment supplemental and I immediately emailed Planet. XXXX XXXX County online info if checked by Planet- clearly shows first installment as PAID. Only 2nd installment as UNPAID. Because of Planets mistake this has put my escrow account in deficit ( negative ).
** I have been calling XXXX XXXX County and Planet Home Lending since XXXX as its now past due and per XXXX XXXX County it takes 6 weeks for them to process the payment. It has been 2 months and now theres a penalty from the County assessed and still no payment has received by the County. Every week I would call Planet Home Lending and no prompt resolution and concern from the Customer Service.
XX/XX/XXXX I called Planet Home Lending to place a stop payment on the check and I will just pay the County directly from my own funds. At this time, I was in the middle of refinance application with another lender and I have to take care of the UNPAID 2nd installment supplemental prop tax.
XX/XX/XXXX to my surprise, PLANET HOME LENDING paid the County for the wrong amount AGAIN and despite my instruction to PLANET on XX/XX/XXXX not to pay. I then had to call XXXX XXXX COUNTY again and monitor the payment being received and processed. This has caused delay in approval and closing of my refinance with the other lender. Planet is showing that Im again in deficit/negative in my escrow account.
Planet sent 2 checks total amount = {$5100.00}.
XX/XX/XXXX Planet Home Lending deposited back the amount ( from the Stop payment check originally mailed on XX/XX/XXXX ).
XX/XX/XXXX per advise of XXXX XXXX County for me to come in person and pay via cashiers check the 2nd supplemental tax bill as this will be faster and efficient to be processed by them rather than waiting for the checks from Planet. I paid in person the County and they are on alert to return the checks to Planet once they receive the checks. I even paid the penalty when its not my mistake that payment is late.
XX/XX/XXXX XXXX XXXX County advised that they have returned the checks to Planet Home Lending unprocessed. Theyre the exact checks that Planet sent on XXXX. Which I notified Planet and requested to keep an eye on the returned checks to deposit back to my escrow account immediately after receiving.
XX/XX/XXXX Planet Home Lending deposited back the checks into my escrow account but incorrect amount. Correct amount that was returned by XXXX XXXX County for the 2 checks {$5100.00} Planet deposited {$5100.00} XX/XX/XXXX Account was Paid off XX/XX/XXXX My first email stating the discrepancy on the escrow balance amount.
XX/XX/XXXX Email sent with explanations using spreadsheet that the amount due to us is {$6000.00} XX/XX/XXXX Email resend, asking their office to give us an update. Spreadsheet was also attached.
XX/XX/XXXX upon checking my online account, it shows wrong amounts were disbursed to me via check XX/XX/XXXX Another email sent asking their office to give us an update on the account XX/XX/XXXX Finally after multiple calls and emails an email was received from Planet that account is in review and completion is not until XX/XX/XXXX This issue has caused us financial and emotional stress over the past few months, since XXXX due to two incorrect Supplemental Bill processing. Furthermore, this experience has been physically and emotionally draining, going back and forth with phone calls and emails on a matter that is obviously fixable since we have provided all the necessary explanation/documents to support our claim that their office refused to accept.
We appreciate the Bureaus help in settling this issue in a timely manner. We believe that holding the money that is rightfully due to us for more than 60 days after the account has been paid off is unacceptable and Planet Home Lending should be made accountable.
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| 11/08/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Planet Home Lending continues to report a debt not owed. Planet Home Lending reports I owe a debt in the amount of {$550000.00} for the contract between me and Planet Home Lending. Tender o payment has been received by Planet Home Lending and accepted under this simple contract between the parties. Planet Home Lending has been notified and my obligation to perform has been met, if Planet Home Lending is refusing the legal tender of payment this debt is AUTOMATICALLY under federal law discharged.
Planet Home Lending has no right to force performance when they did not actual LOAN anything of value or consideration. Planet Home Lending is a servicer that holds the loan but has no right to collect or actually loaned anything to have rights to my real property. If Planet Home Lending has any records to prove I have a debt with them other than a simple contract I demand to see the official book entry from the bank to see who actually funded this mortgage loan.
3-303. VALUE AND CONSIDERATION.
Primary tabs ( a ) An instrument is issued or transferred for value if : ( 1 ) the instrument is issued or transferred for a promise of performance, to the extent the promise has been performed ; ( 2 ) the transferee acquires a security interest or other lien in the instrument other than a lien obtained by judicial proceeding ; ( 3 ) the instrument is issued or transferred as payment of, or as security for, an antecedent claim against any person, whether or not the claim is due ; ( 4 ) the instrument is issued or transferred in exchange for a negotiable instrument; or ( 5 ) the instrument is issued or transferred in exchange for the incurring of an irrevocable obligation to a third party by the person taking the instrument.
( b ) " Consideration '' means any consideration sufficient to support a simple contract. The drawer or maker of an instrument has a defense if the instrument is issued without consideration. If an instrument is issued for a promise of performance, the issuer has a defense to the extent performance of the promise is due and the promise has not been performed. If an instrument is issued for value as stated in subsection ( a ), the instrument is also issued for consideration.
3-603. TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.
Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.
( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.
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| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Foreclosure
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Web |
Older American |
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Planet Home Lending caused us irreparable damage on XX/XX/XXXX by wrongly foreclosing and selling our home that we have been living for twelve years. Planet Home Lending a Mortgage Company is retaliating against us for our using legal tool to obtain Temporary Restraining Order to block the foreclosure they posted for the sale of our home on XX/XX/XXXX. Because of our interrupting their plan, they reposted our home again for sale on XX/XX/XXXX not minding {$65000.00} being the money they received from Texas Homeowner Assistance Fund on XX/XX/XXXX on our behalf. This was to assist us get affordable modification of our loan. They refused to apply this amount to our account instead reposted our home again for sale on XX/XX/XXXX, lied to us on XXXX XXXX that the State of Texas requested for the money to be returned and that they did so on XXXX, XXXX, effort to cover up their retaliating against us for blocking foreclosure sale of XX/XX/XXXX. Planet should have withdrawn the pending foreclosure of XX/XX/XXXX because the State of Texas sent the following email to us and we believe they got same information dated XX/XX/XXXX that says : The State sent a Guarantee of funds to your loan servicer to be contributed towards a loan Modification, which is intended to make your loan payment more affordable. Please contact your loan servicer for next steps. Since there were skeptical about the State paying our Mortgage Past Due they did not withdraw the foreclosure of XX/XX/XXXX until we blocked it. Planet refused even to respond to the modification proposal we sent to them through our lawyer on XX/XX/XXXX. Their letter of XX/XX/XXXXXXXX XXXXseems to have been written to give impression that they were going to modify our loan to make our payment more affordable. Planet was only pretending because while our Regular Monthly Mortgage Payment is {$2500.00}, how then is their new modification payment of {$3100.00} becomes more affordable loan than {$2500.00}? Planet agreement was like putting guns on our heads and forcing us to sign a one-sided document without any negotiation. It took us months to apply and get approval of the Assistance Fund, but Planet Home Lending caused us irreparable damage by returning {$65000.00} to Homeowner Assistance Fund when that was not requested by the State of Texas, wrongly foreclosing and selling our home that we have been living for twelve years for us to suffer under the hot sun. This is the message Planet Home Lending is sending to us about how annoyed and offended they are about our blocking their foreclosure of XX/XX/XXXX. Also, Planet unilaterally changed the Regular Monthly Mortgage Payment secretly without informing us. {$2500.00} is our monthly regular payment. But XX/XX/XXXX Statement indicated that our Monthly Mortgage Payment was raised to {$2800.00} and we do not know exactly when that increase in payment was made. Why is Planet doing this without our knowledge? What other charges did they force on us secretly during the Covid-19 era to inflate what they may claim to be amount we owe them? There should be need of auditing the account. For 31 months we have been paying {$2500.00} being our Regular Monthly Mortgage Payment. During the Forbearance, we paid {$500.00} for a period of 18 months. On XX/XX/XXXX the Homeowner Assistance Fund paid to Planet on our behalf {$65000.00} for Modification. When all payments are added and all wrong charges in Covid-19 era removed, Planet will not have any justification to support foreclosure and sale of our home before returning {$65000.00} modification money to the Texas Homeowner Assistant Fund to cover up their wrongly foreclosing and selling our home. For four months, Planet had custody of {$65000.00} sent to them by the State of Texas on our behalf. Since they did not apply it to our account, did they put {$65000.00} in a drawer lying in their office for four months instead of using it to make our loan more affordable so as to avoid foreclosure? This is how far Planet has gone in oppressing, victimizing and retaliating against us. The foreclosure and sale of our home on XX/XX/XXXX is very, very wrong.We were at the court yesterday morning because the buyer wants to take over the home we have been living since XXXX. To appeal the case. we are asked to come up with {$7800.00} for appeal by Monday XX/XX/XXXX.
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| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Dear Sir/.Madam My income is reduced because of pandemic ( Covid-19 ). In addition to my regular full time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before pandemic. I also used to teach during summer session at XXXX XXXX before pandemic. But unfortunately I lost my XXXX XXXX job due to pandemic. Furthermore, because of pandemic, my tenants moved out from my house and I lost some of my rental income. It is mentionable that I received The Trial Period Plan for a mortgage modification of my loan from Planet Home Landing, LLC ( my loan servicer ) at the end of XXXX, XXXX dated ( XXXX ) at the fixed interest of 3.125 % which is exactly same rate ( 3.125 % ) as my original mortgage loan except it extended for 40 years from 30 years. I spoke and went over the offered plan 's terms and conditions regarding my loan modification with XXXX XXXX from the Modification Department of Planet Home Lending on XX/XX/XXXX. Then I accepted The Plan, signed, dated and emailed it back on the same day ( XX/XX/XXXX ). Since then I have been continuously making new required monthly payment of {$5100.00} ( includes Principal, interest, Property tax and Homeowner Insurance ). My original regular payment was {$5600.00} ( includes principal, interest, property tax and home owner insurance ). It is also mentionable that XXXX XXXX also took my Financial Intake in the beginning of XXXX, XXXX before offering The Trial Period Plan for Modification of my loan. In addition to that, I never withdrew from The Trial Agreement Plan. My loan was belonged to XXXX XXXX and I spoke to XXXX XXXX official and was confirmed with the XXXX XXXX before I requested for forbearance and before signing on The Trial Plan Agreement with the Planet Home Lending. I received correspondence ( letters ) from the XXXX XXXX XXXXegarding my loan, too. I also never requested to withdraw my loan from the XXXX XXXX It is mentionable that I was granted forbearance from XX/XX/XXXX to XX/XX/XXXX ( one year ). According to Trial Plan Agreement, I paid 1st Trial Period Payment ( {$5100.00} ) at end of XX/XX/XXXX which was due On or Before XX/XX/XXXX ( XX/XX/XXXX ). I also paid 2nd Trial Period Payment ( {$5100.00} ) at the end of XXXX, XXXX which was due On or Before XX/XX/XXXX ( XX/XX/XXXX ). I also paid 3rd Trial Period Payment ( {$5100.00} ) at the end of XXXX, XXXX which was due On or Before XX/XX/XXXX ( XX/XX/XXXX ). It is mentionable that around middle of XXXX, XXXX XXXX XXXX ( Name Spelling might be wrong ) from the Modification Department of Planet Home Lending called me and told me that " You should soon receive the Final Approved Modification paper, and as soon as you receive it, please sign, date and send it back to us. '' XXXX XXXX also told me, " It might take longer but make sure that you continue the Trial Modified Payment ( {$5100.00} ) until you receive the Final approved Modification Paper. So I waited patiently according to XXXX XXXX 's instructions for the Final Approved Modification Paper and continued making payment ( {$5100.00} ) at the end of XXXX, XXXX for the month of XXXX, XXXX payment, and at the end of XXXX, XXXX for the month of XXXX, XXXX. I have all ( 5 ) monthly bank statements that show the date, months and amount ( {$5100.00} ) I made to Planet Home Lending. After making 5 Trial Payments and after almost 5 months later I received Final Approved Modification Paper which is a complete new loan with a interest rate of 4.875 % for 30 years and monthly mortgage is {$6800.00} ( includes Principal, Interest, Escrow and Home Owner 's Insurance ) that I never signed for it. I can not afford the new {$6800.00} monthly payment for 30 years with a interest rate of $ 4.875 %.
In these circumstances, I hope that you would be kind enough to contact Planet Home Landing, LLC. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Telephone : XXXX XXXX XXXX and compel the Planet Home Lending to honor the Trial Plan Agreement and send the final Modification approval paper according to The Trial Plan Agreement which I was offered, agreed, signed for in XX/XX/XXXX and fulfilled the all requirements, so that I could stay at my primary home with my children and wife. I am looking forward to hearing from you soon.
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| 05/28/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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My name is XXXX XXXX and I am veteran living in Florida. I currently have a VA home loan through Planet Home Lending. In XXXX of XXXX the area the property is located was under a mandatory evacuation due to Hurricane Dorian. The area was declared a federal disaster area on XX/XX/XXXX. On XX/XX/XXXX I missed the first home loan payment. In XXXX of XXXX Defendant submitted an incomplete loss mitigation package to Planet Home Lending. On XX/XX/XXXX Defendant was denied consideration for any loss mitigation options by Planet Home Lending. The VA has a disaster loss mitigation option that allows for a loan modification absent a complete loss mitigation package. The VA disaster loan modification specifies a 3 month trial payment plan is used to verify income in lieu of a complete loss mitigation package. Planet Home Lending had the ability to offer a VA Disaster Loan Modification and/or a forbearance at this point, but did not due to the fact I submitted an incomplete loss mitigation package.
In early XXXX the Covid-19 pandemic begins. On XXXX/XXXX/XXXX The VA issues Circular XXXX. The circular states in part The servicer must ensure the borrower has been given every opportunity to pursue all possible loss mitigation options in order to bring their loan current. Failure to do so could impact a future claim payment and could lead to other legal or administrative action ( s ) against the servicer. Once again, I was eligible for a VA Disaster Loan Modification at this point and was never considered for as much. At no point did an employee from the VA Regional Loan Center my loan is assigned to reach out to my loan servicer to advocate on my behalf and inform them of my eligibility for the VA Disaster Loan Modification. The Circular further states that Servicers should review loan files for all possible loss mitigation options no later than 30 days before the forbearance period is scheduled to end. Servicers should document such reviews in their loan servicing systems. If no loss mitigation options are possible, in cases where the home has equity, servicers must refer the file to the relevant Regional Loan Center for VAs consideration of a loan refunding.
On XX/XX/XXXX Planet Home Lending begins court proceedings to obtain a foreclosure. On XX/XX/XXXX I submit a complete loss mitigation package to Planet Home Lending. On XX/XX/XXXX Planet Home Lending puts forth an offer for Standard Modification ( ie Traditional Loan modification ) with a 3 month trial payment period. The section of the VA Servicer Guidebook ( the XXXX ) dealing with traditional loan modifications ( XXXX section XXXX ) does not allow for a trial payment plan. The sections of the XXXX dealing with streamline ( XXXX section XXXX ) and disaster modifications ( XXXX section XXXX ) allow for a trial payment plan in lieu of a borrower providing their financial information through a complete loss mitigation package. To be specific and direct, the loan modification as offered could of been offered at any point since XX/XX/XXXX and the specifically stated the servicer was required to offer said modification as of the publishing of VA Circular XXXX.
Due to the proceeding circumstances I rejected the loan modification as offered.
On XXXX I submitted questions to the VA Home Loan Technician assigned to my loan. He told me hed have to run them up the chain. I called back over the course of several months and was told he had no response. Eventually he informed me he would not answer my questions. On XX/XX/XXXX I was told by the Judge presiding over my divorce that if I had no answer from the VA within a month that Id be ordered to sell my house. I submitted a complaint/case to the White House VA Hotline on XX/XX/XXXX. On XX/XX/XXXX the supervisor of my VA home loan technician mailed a letter answering the questions I had asked. The answers to the questions cite nothing from an applicable CFR, nothing from the XXXX, nothing from an applicable VA manual, and nothing from the federal register. The answers I was provided consist entirely of the opinion of the VA employee who wrote the letter, XXXX XXXX. As of XX/XX/XXXX, I have been ordered to sell my home by the judge in my divorce as I was unable to obtain any documentation from the VA stating they would assist me in retaining the home.
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| 01/12/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX we hired The XXXX XXXX to do a home loan modification for us, we were two months behind on our mortgage and was advised by the attorney to stop making payments and to pay him a monthly fee of XXXX dollars. On XX/XX/XXXX we were approved for a trial payment plan XXXX in which we told the attorney we would take and signed the papers to do so then submitted them back to the attorney. Later that night the attorney called and advised us not to take the offer because it was only a trial period with no guarantee of reinstating our loan or that the monthly payments would not go up.
We made the attorney aware we did not want to go into foreclosure or have to file bankruptcy. Every few months or so the attorney would request bank statements to file another packet, he never said why.
In XX/XX/XXXX I received a court summons for foreclosure. I filed a complaint with XXXX against the the Lender Planet Home Lending LLC because we were suppose to be in loan modification. In their response there was a time line of events given with two other dates XX/XX/XXXX and XX/XX/XXXX for approved Trial payments, however the attorney never informed us of those in which he was fired and withdrew from the foreclosure case pending in the courts. I hired another person with XXXX XXXX XXXX to do another loan modification. That is under review at this time, however I also have a court date on XX/XX/XXXX for the summary of judgment on the foreclosure. I believe Planet Home Lending LLC is dual tracking and not being fair to us. The previous attorney put us in a sticky situation where we were only only two months behind is now two years in which makes it hard to try to come up with the now XXXX to bring the loan up to date. I have filed a complaint with the florida bar on him but that does not undo the damage. I have contacted the lender and made them aware of the situation. I have told them I do not want to loose our home, it is our primary residence and I have a XXXX child. We CAN afford a monthly mortgage payment but it seems they dont have any interest in reviewing another modification package and is pretty determined to foreclose. The previous attorney had filed a FDCPA violation against the lender Planet Home Lending LLC on XX/XX/XXXX we were asked to fill out a W-9 form in which money was received however I do not know how much because the attorney kept it, and never provided any other documentation. However I feel that because of that it could be a contributing factor for the Lenders push for foreclosure rather than modification which again I feel is unfair to us. In XX/XX/XXXX we called the Lender expressing our concerns about our mortgage payments constantly rising, and some health issues they basically told us there was nothing they could do for us and advised us to call a XXXX number for help in which we did and was put in contact with the XXXX XXXX. From there we did as the attorney told us to do. We did not know he was withholding information from us, we thought we were in a loan modification. We put our trust in the attorney that he would look out for our best interest. I have spent close to XXXX dollars trying to negotiate a simple FHA loan modification. This is money that should have went towards our mortgage. The offers that were previously made by Planet Home Lending unfortunately went to the attorney address not ours and we had no way of knowing what was taking place other than what the attorney was telling us or not telling us. Having brought this to the attention of Planet Home Lending with emails between the attorney and myself filed with the court and also sent to the loss mitigation department as proof that we had just found out about all this they still a reluctant on helping us keep our home. I have reached out to them asking if they could apply anything from the CARES Act to our mortgage to bring the balance down to help bring the loan up to date. I received no response. When calling the wont speak to us because they tell us we have to speak to the person representing us. However, we are representing ourselves we hired a modification specialist to do a modification he is not an attorney. Nor do we want to be unaware of what is happening and what is being done.
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| 06/04/2021 |
Yes |
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- Trouble during payment process
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Web |
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This complaint is about Planet Home Lending Mortgage Company.
I received a delinquent tax notice from XXXX XXXX back in XX/XX/2021. I immediately forwarded it to Planet Home Lending via email. I received an automatic response and nothing further. I received a second and final notice from XXXX XXXX in XXXX of XXXX, in which I forwarded immediately to Planet Home Lending and followed up my email with a phone call. I spoke with their tax department and was told this matter would be escalated and handled with a deadline date of XX/XX/2021. I heard nothing further. I received a collections notice from XXXX XXXX in XXXX of XXXX. Again, I forward via email to Planet Home Lending and follow up with another call. When asking what happened to the XX/XX/XXXX deadline, I was told that my address was listed in their database under XXXX XXXX and not XXXX XXXX XXXX with no explanation as to why ). They told me they had to get their research team involved and would ( again ) escalate the situation and keep me posted. I asked to speak to a supervisor, and stressed that this needed to be handled immediately, as the letter stated my house would be listed in a tax sale end of XX/XX/2021 if the property taxes were not paid immediately. I also stated that I didnt want to be held responsible for any penalty or late fees on the property taxes due to their negligence in paying them from my escrow account ( in which there were funds available to pay ). I receive a call from the mortgage company again, but this was to discuss taxes that were due in XXXX, and not the outstanding taxes that were due in the beginning of the year. After a few more phone calls between Planet Home Lending tax department and myself, I was told that the situation now had a deadline of XXXX and the check would be cut and sent to the county. I called the county to keep them updated. After not hearing back from Planet Home Lending on XXXX, I called today XXXX XXXX XXXX for an update. I was told that the check was cut from my escrow account and mailed to the county. I requested this information in writing and asked that they send me an update via email so I could forward to Harford County. I received an email with an account summary. I called Planet Home Lending back and asked how the payment was sent, and reminded them XXXX as it was stated in the collections letter - in bold ) that the check needed to be mailed via certified mail and asked if they could provide the tracking number and an estimated delivery date so I could call the county again with an update. The woman I spoke with at Planet Home Lending said that the check SHOULD HAVE went out via certified mail and it SHOULD be there by XX/XX/XXXX. She did not provide me with tracking information and kept me on hold 30+ minutes trying to get ahold of a supervisor to confirm. She got back on the line to reassure me that the check was sent via certified mail. XXXX hours later, I receive a call from Planet Home Lending stating that the check was cut but still has not been mailed out. This company is negligent, unresponsive, and 100 % unprofessional. None of the departments within Planet Home Lending know what is going on, clearly did not read the invoices I sent, the notices, or the collections letter, as I had to constantly reiterate information. The agents in the tax department were not helpful, informative, nor did they read my notes ( that I was told were being entered to keep my account updated as there were multiple people involved ). I have spent countless hours on the phone back and forth with this company since XXXX, with no resolve. I should not ( even though I am ) be held responsible for this companys negligence. They have no problem processing my mortgage monthly and immediately removing that money from my bank account, but I have to follow up, again and again and again, to assure that my taxes get paid, to which I am still unsure if they will make the final ( LATE AND PAST DUE ) deadline. If the payment is not received by the deadline, I will either be responsible for paying out of pocket ( even though I've already paid this amount into my escrow account ), or my house will be listed in a property Tax Sale.
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| 08/11/2023 |
Yes |
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- Trouble during payment process
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Web |
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When I first began making mortgage payments to Planet Home Lending ( PLH ). I made biweekly payments. My payday frequency changed to bimonthly, and I began making payments bimonthly as it helped me budget my finances, and a customer service rep. from PLH had told me I could pay like that. They explained that the partial payment would be held until the second half was made and then the payment would be applied. I thought I was paying my mortgage payments two weeks ahead. I began to receive calls from PLH in early XXXX. I spoke to a customer service representative at one point. I thought he was telling me my payment was being paid on the XXXX of the month, causing me to be charged a late fee. I thought that was possibly correct since I had changed my payments from biweekly to bimonthly. Due to working 60+ hours a week and caring for a father with XXXX, I did not immediately review my mortgage payments since they were being made within the month due. My mortgage payment was reported as 30 days late for the month of XX/XX/XXXX. This dropped my credit score by XXXX points. I could not understand how that was possible when I consistently made half of a mortgage payment twice a month.
I reviewed my bank statements all the way back to XX/XX/XXXX and could see I paid every month. I then reviewed all the payment history for my mortgage account with PLH and found a discrepancy in XX/XX/XXXX. I contacted PLH customer service and spoke to XXXX, whom I was disconnected from. I called back and spoke to XXXX. We were on the phone for quite a while and went through every payment made and applied. She saw that on XX/XX/XXXX, my partial payment of {$540.00} that should have been held in reserve until the other half of the payment was received was applied to principal. Those misapplied funds resulted in my payments being applied late.
After verifying that I have actually made all payments and none were 30 days late, I requested to have the 30-day late payment removed from my credit reports. XXXX put me on hold to speak to a manager, and then told me I had to file a dispute with each credit bureau. XXXX said if I disputed it, PLH would remove it when notified of the dispute from the bureaus. I did as instructed and each credit bureau replied saying that PLH verified the late payment and it would not be removed from my credit report.
I contacted PLH customer service again. I spoke to XXXX and she said there was no record of me ever speaking to XXXX. I have no idea how I could spend well over an hour on the phone with one of your reps and you have no record of it. I have record of the call in my phone records. I then asked to speak to a manager. I had to start all over. I spoke to XXXX, who was very nice and patient and went through every payment on my account with me. She saw that I have made payments twice a month consistently, and that funds were misapplied in XX/XX/XXXX, which has caused all payments from there on to be applied later than they should. XXXX instructed me to write a letter to PHL and ask that the payment reported as 30 days late be removed from my credit report with all 3 bureaus. I submitted the letter to PHL as XXXX told me to do and I received a response saying they would not be correcting my credit report. I tried to contact XXXX at PLH again but the representative I spoke to said she could not locate XXXX. I requested to speak to someone in the department that would have reviewed my letter and account but was told they do not take inbound calls. The representative did say she saw the note in their system from XXXX that said she reviewed my account with me, and my payments were made in a timely manner and were never 30 days late. Originally, I requested the misapplied funds be applied appropriately, which would have my account paid in advance. I was told they can not do that because the payment was made in XXXX and that is a different tax year. My financial institution told me that is not true and that they make adjustments like that all the time. All I want is for the 30 day late to be removed from my credit report and I don't really care how that happens.
Thank you for your attention to this matter,
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| 09/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our Mortgage was sold by Plant Home Lending to XXXX XXXX and we were notified that the transfer of the loan would be effective as of XX/XX/XXXX. Since I had my payment scheduled to be paid to Planet Home Lending on XX/XX/XXXX and the letter from the new Lender/Servicer indicated all payments made to the previous lender will automatically be transferred I did not think anything would be an issue since our loan was previously sold with no issue and other mortgages in the past also never had any issues.
Today is the XXXX of XXXX, XXXX and Planet Home still had not drafted the scheduled payment for the XXXX of XXXX so I called the new lender ( XXXX XXXX ) to make sure we will not have any issues with late fees since the money was not drafted yet. I was advised on the phone that if we did not make payment by the XXXX and the money was not drafted by the other lender that we would accrue late fees after the XXXX. ( Even though the letter seems to indicate there are no late fees for the first 60 days ).
I then called our previous lender Planet Home Lending to inquire about the status of the payment draft since I have a confirmation advising the money will be drafted ( confirmation provided as attachment to this complaint ) but it doesn't seem to have been drawn yet. While I was on the phone with Planet Home Lending 's customer support I explained the situation and was advised that since the money had not been drafted it 'probably ' would not be drafted and to issue the payment to the new lender instead. I told the rep that I have no problem doing that as long as they could provide a written confirmation that the scheduled draft for the XXXX of XXXX would not be executed and/or canceled so my account would not be hit with the draft after I issue the payment to the new lender before the XXXX to avoid late fees. Planet Home Lending then advised me that the confirmation that the draft would not be executed was the fact that my account had not been drawn upon yet and that they can not provide anything in writing confirming that the scheduled payment will not be drafted. When I asked to be transferred to a supervisor or manager I was told that they are very busy and that they would just tell me the same thing. Even after insisting to talk to a supervisor the Rep would not transfer me. At this point being frustrated I started getting louder and said that if she can not provide me with a written confirmation I want to talk to a supervisor. She told me to hold but instead of me being transferred I was hung up on.
With me not having enough money in my account to cover two mortgage payments this month the only option I have at this time is to put a Stop Payment on Planet Home Lending so they can not execute any future drafts which of course would cost me {$30.00}.
All this just because I wanted a written confirmation that at this time Planet Home Lending will not provide. Obviously, I want to make sure that the company has to address this more than lacking customer service and the fact that a lending company would not be able to issue a written confirmation for a simple draft cancelation so I am protected in case they do end up drafting the payment anyway. This unprofessional handling of this very simple situation with me being pro active contacting both lender 10 days after the loan transfer in my opinion is unacceptable. I hope that the company will have to address this so it won't be an issue for anyone else going forward. The transfer of the mortgage is confusing enough and to be honest if a lending company can not issue such a simple written notice I wonder if they are qualified to be in the financial business. Thank you for your time addressing this issue with the lender. Also, unfortunately I did not catch the name of the Customer Rep with Planet Home and honestly didn't ask for it again because I never thought that a simple request for a cancelation in writing would escalate to this. needless to say I did not have a chance to ask her again since she hung up on me.
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| 03/16/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I bought my house in XXXX of XXXX with a mortgage company. In XX/XX/XXXX the mortgage was sold to the current company i am having the problems with.
To start half of the time I attempt to make a payment online at their web sight there is no option to do so. If i call in they ask for my Account number and they can never find the loan through this number that is shown on my site access.
Their policy is to process payments made withing 2-3 businesses days which does not happen. At times it can be more than a week later. When i discuss these issues with the support they just deny it all and refuse to do anything or say it is the banks or my fault.
Due to the above issues i have had many NSF payments and fees, plus late fees. When i can finally get a payment through I do my best to pay every cent I can. I will even put extra in the principle but they always split the payment on their statements into The regular payment and the Principle payment is the rejected. ( How do they have the right to only accept part of a payment when it was all available in the account ).
In XXXX I came in to a sum of money so I paid XXXX dollars into the mortgage because they were showing me behind 2 months behind plus the current month due. After the payment I double and triple checked both online and by calling in to ensure the payment went through and everything was caught up and was told everything was good.
XX/XX/XXXX payment posted fine XX/XX/XXXX payment posted fine.
Now starting mid XX/XX/XXXX They send a severely delinquent notice out to me in the mail. I call and they are saying that the XXXX and XXXX payments are outstanding. I get bank statements like they asked to show they went through. They said if there were issues they would call back but they never did.
I waited a week and looked back on my account but it still showed due for XXXX. When i called they said that it was now 3 moths behind because XXXX, XXXX, and XXXX. I explained it was not possible because XXXX everything was up to date and good. Their response was that my XX/XX/XXXX payment was returned in XXXX?!?! How is that make any sense? They stated that it was my bank that notified them of the return. So, I called the bank. They had no clue what i was talking about and even called back with me to explain there must be a mistake. The Mortgage company said they had no statement or letter they could show to prove the bank called and they have no notes in the system to show how they were notifies just kept insisting they were so its the banks fault.
After this i called in several more times trying to discuss this with different people and supervisors. Almost every time I was told a supervisor was not available because of meetings or lunch or whatever it was that time. Also every time I called it was one of two ladies but they seemed lost and confused as if they had never seen my file before. It would take them forever to re-go through the same process of telling me the account is overdue and let me check why, but even if I would try to stop them or explain they do what they want anyway. I finally was able to speak to a supervisor one time but it was the same story of being on hold forever and yet a different reason and moth i was behind for.
Each time I call and ask for paperwork to be sent it would never happen. Each time they would explain I was behind I would get a new reason and even a different amount that I was due. I have heard 3 months, 2 months, 1.5 months.
I have faxed and Emailed several bank statements to the customer support section.
They do not seem to read them let alone attempt to use them to resolve the issue because until I call a few days later they will finally go look for it to put with my file.
At this point I have a very high interest rate, I cant refinance, My Credit report is reflecting delinquency and dropping, and I am getting physically sick from all the stress it is causing.
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| 06/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am adding to my complaint that was closed by your agency complaint # XXXX. Planet Home Lending ( PHL ) states in the letter dated XX/XX/XXXX, that in the previous loan modification that I obtained in XX/XX/XXXX that PHL never indicated how much of the delinquent amount was being rolled into the new mortgage. If this is the case how did PHL give me a new mortgage and still require the bankruptcy trustee to make payments to them that PHL did not credit to my account. To this date PHL have not provided me with this information and will not supply documentation where they applied the funds of {$9700.00} paid by the trustee from XX/XX/XXXX through XX/XX/XXXX on my behalf. I was suppose to have been granted a loan modification that covered this period. PHL continue to have me in default and under a loan modification at the same. Therefore I am required to pay the delinquent amount in bankruptcy and the new mortgage this is double dipping. If PHL granted me a loan modification what did it include. How can you give a new mortgage and not disclose what I am being charge for how did PHL make the determination as to how much the new mortgage should be. What figures did PHL used to determine the new loan? PHL stated that the payments show a severe delinquency before this loan modification if they are not disclosing the true figures as stated in the letter of XX/XX/XXXX what did it include. In XX/XX/XXXX, I spoke with Mr. XXXX from PHL concerning a new loan modification that I was denied. I inquired about the {$9700.00} that was not applied he said it will be refunded back to the bankruptcy trustee. I ask Mr. XXXX in that same conversation who actually held my mortgage he stated that XXXX XXXX holds the mortgage on my home. I wanted to contact the mortgage holder to see if I could file my appeal with them and not the servicer. In my appeal I requested since we were in a pandemic and the interest rates had dropped so low so I could afford to stay in my home. I contacted XXXX XXXX I received a letter dated XX/XX/XXXX, informing me that XXXX XXXX are listed a trustee and they have no authority or responsibility to make decisions on my mortgage. To this day I still do not know nor have PHL stated that they are mortgage holder and not just the servicer.
I was granted a new loan modification In XX/XX/XXXX. If PHL did not disclose how much of the delinquent amount that was included in the previous loan modification how can I trust that this new loan modification include all of my delinquency. How did PHL determine what my new loan should be. PHL never requested an appraisal of my home nor did they provide me with an appraisal of the value of my home to determine the new loan. Also the loan modification that they granted me in XX/XX/XXXX states that the original principal amount {$390000.00}, unpaid principal amount {$460000.00}, and the New principal amount {$510000.00} and {$110000.00} of the principal I will not be charged interest on. The deferred principal balance will be reduced every 12 months as long as I be in good standing for one year. I asked XXXX XXXX the contact person on the letter I received from PHL about the terms of the new modification she stated that if I be in good standing for the first year of this mortgage that this amount will go away. I asked Ms. XXXX if XXXX will be sending me a XXXX for the amount of {$110000.00} at the end of the year she said no. I am totally confused about what I was and have been charged in the new modification and what actually happen to the funds received under the old modification. What are they using to determine the amount of the loan they gave me on my home. PHL is putting me in a position of a financial hardship if I have to hire a real estate attorney to represent me to see what they are charging me and have charged me in the past. And how they applied the funds from the trustee from XX/XX/XXXX thru XX/XX/XXXX.
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| 04/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Planet Home Lending, my mortgage loan servicer, reported me as 60 days past due on my mortgage on XX/XX/XXXX. I did not find out through Planet that I was past due until I received an auto credit alert that my report had changed. When I contacted Planet very confused why I was being reported past due, they told me that they had not received my XXXX and XX/XX/2023 payments. I told them that wasn't possible because I knew that I set up autopay with them in XX/XX/2023. This autopay was setup intentionally using a savings account that I used so that I did not have to remember payments given that I was going through a lot of hardship being affected by the two hurricanes last year right after moving into my home. A representative explained over the phone that my autopay was deleted in XXXX because they didn't receive XXXX XXXX payment and that my effective date for the autopay was not XX/XX/XXXX, as I thought, but actually XX/XX/XXXX. Again, I explained this was not the information that I knew to be true because when I made my XXXX payment, I set the autopay to start XX/XX/XXXX. Then, Planet representative stated that there is a cutoff date for the autopay and they won't allow it for the next month unless it's done 30 days in advance. I explained that there is nothing on their dashboard explaining this when you setup autopay. I also asked why they would delete my autopay effective XX/XX/XXXX if they hadn't received XXXX because if they had kept it, then at least I would have only shown one payment behind. Further, I explained my impacts from the hurricanes given that I just moved into my home and wasn't prepared. The Planet representative told me that they are allowed by FEMA to report past due information effective XX/XX/XXXX. I asked for documentation to show this and they told me that they could not provide anything. They also stated to me that I had been sent electronic statements showing that the payments hadn't been received. I told them that I received zero communication from them via email or phone. I asked them to provide documentation that they had reached out to me and they said that they couldn't provide anything. After all of this, I made XXXX, XXXX and XXXX payments in one day on XX/XX/2023, a mere 10 days after they claim the FEMA credit report reporting freeze had ended. Despite my efforts to show that their system is not accurately providing information to customers, they are refusing to correct my credit report.
If you review the attachment " Auto Pay Confusion '' you will see that as of today, I have autopay enrolled. When I attempt to make XX/XX/XXXXXXXX XXXX payment, it alerts me that I have autopay enrolled and that this is an " extra payment '' even though the autopay " next draft date '' is not until XX/XX/XXXX. This means that when you enroll in autopay less than 30 days until the due date, in this case, XX/XX/XXXX, Planet makes the autopay effective date for the month after, again in this case, XX/XX/XXXX. Yet when I attempt to make the normal XXXX payment, it alerts me as if it is already planning to withdraw XXXX via autopay. This is misleading and harmful to Planet 's customer 's such as myself in this situation.
I am also showing the email confirmation that I received from Planet when I enrolled my autopay on XX/XX/2023 with the intention that it would be effective for XX/XX/XXXXXXXX XXXX payment. In this email, it does not mention that the effective date is not XX/XX/XXXX, but XX/XX/XXXX, per Planet 's conversation with me over the phone. Again, this confirmation is misleading and harmful to Planet 's customers because it does not provide information to confirm the effective date, which in my case would have prevented payments to be missed.
Finally, I am still considered in an active disaster zone per FEMA ( see attachment ). Yet, Planet is stating that I am not considered in a disaster zone.
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| 02/21/2016 |
No |
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- Loan modification,collection,foreclosure
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Web |
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I have been attempting to get assistance with my mortgage for over two years now. I started out with one mortgage servicer, XXXX XXXX who took over a year. I was on trial monthly payment for a modification for over one year. Finally at the end of XXXX XXXX XXXX finally offered me a partial claim. Before the time they were to submit the documents for the partial claim to FHA my servicer changed to Planet Home Lending took over servicing my loan. Since Planet took over servicing my loan they have done a horrible job. They did several blunders with my loan and just continue to threaten me with foreclosure. First they refused to honor the partial claim, stating that they could not honor the partial claim. This was contrary to the new mortgage modification rules as of XXXX. This rule stated that a new servicer had to honor the prior servicer 's program. Even after I repeatedly told PHL of the partial claim they refused to honor. Secondly I had an escrow credit of over {$4000.00} but instead of researching my account PHL kept saying my escrow was short I had to call everyday for over two weeks to get someone to give me a credit, when they did they only gave me a part of my escrow credit. Third, they said I owed 5 months worth of mortgage but I had only owed 3 months. Fourth, they reported incorrectly on my credit for mortgage payments. Fifth, they had me submit a new set of documents to modify my mortgage and the end result was a repayment plan that had the incorrect amount I owed because they never calculated the escrow monies they were to credit me nor did they calculate what I had paid extra in a suspense account because the trial modification I was on I was paying {$200.00} more per month for my mortgage. What they tried to offer me as a workout was consistent inaccurate information and figures. I called several times to try to point out this incorrect information to them but the representatives would not listen to me they just did what they saw on their computer screens. I just kept paying them and tried to negotiate and point out the incorrect information.
I filed two complaints with this department but got no positive results. In fact PHL did not meet their 20 days top respond to my complaint and when they did they gave me no resolution. My only option was to yet again provide documents to do a work out plan the same thing I had done 5 times within 2 years. They stopped taking my payments and now my mortgage is getting further behind. I submitted my documents in XXXX and to date no resolution has been met. They kept telling me that the IRS refused to give them my tax returns and I had to redo my request for tax returns 3 times from XXXX to XXXX. On XXXX XXXX, XXXX I received a correspondence from PHL saying they could not assist me with a workout because I had failed to provide the documents they requested. This yet again incorrect. I provided every single document PHL in fact I spoke to XXXX XXXX on XXXX XXXX, XXXX and she asked me to sign a new XXXX ( request for tax returns from the IRS ) I asked her if I could make a payment or if they had all the documents and she said no to the payments and yes she had all but the XXXX which I returned to her on XXXX XXXX, XXXX and she confirmed to to that she received the signed document and has forwarded it to the processing department. Yet I received the correspondence sent on XXXX XXXX that they could not help me because I have not responded with my documents. They are doing the same thing to me again. This is just not right. This company has done so much wrong and yet no kind of reprimand from any government organization many of whom I reported to HUD/FHA this organization and NOTHING. PHL continues with their deceptive consumer practices and I have no resolution to my continuing ordeal with this company.
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| 07/29/2015 |
No |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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Our original VA loan was obtained from XXXX XXXX. We were current on our loan. We entered into forbearance agreement for XXXX months due to the XX/XX/XXXX XXXX. During the forbearance we paid as requested from Mortgage Investors {$800.00} for each month during forbearance. During this period of time we received foreclosure notices and incurred late fee. The paper work stated none of those things would happen during the agreement period. After entering into the forbearance XXXX XXXX sold our loan to XXXX. We were not notified that the loan was sold to XXXX ; we just started getting foreclosure notices with payment demands. Our Escrow money was also not transferred over with correct amounts.
FACTS AT THE TIME OF TRANSFER FROM MORTGAGE INVESTORS TO XXXX : OUR LOAN WAS CURRENT WE WERE IN A FORBEARANCE WE WERE PAYING THE AGREEED AMOUNT OF {$800.00} IT WAS AGREEED THAT DURING THE FORBEARANCE PERIOD THERE WOULD BE NO LATE FEE 'S ASSESSED NO FORECLOSURE, NO ADDITIONAL INTEREST.
SUFFICIENT ESCROW MONEY IN ACCOUNT TRANSFER TOOK PLACE WITHOUT NOTICE FROM EITHER PARTYXXXX would not allow us to explain that we were on forbearance and continued to hire an attorney to foreclose. We provided the attorney and XXXX with the paperwork showing documentation that this should not have happened and the stopped the foreclosure, however told us that we needed to pay a large amount of money to avoid any additional attempts for foreclosure. We agreed to do what they asked of us, even though we knew we were not in the wrong and they had incorrect information, but we could not get anyone to listen to us, or provided us with exact amounts. Finally in XX/XX/XXXX XXXX indicated we needed to pay a lump sum, and pay extra each month to help with escrow balance. We did as they asked. XXXX performed an auto debit from our checking account each month. Come XX/XX/XXXX our loan was sold again to Green Planet. Again ... .no notices, from either the current loan servicer or the new loan servicer.
FACTS AT THE TIME OF TRANSFER GREEN PLANET : WHEN XXXX BECAME SERVICER, THEY REQUESTED WE PAY SPECIFIC DOLLAR AMOUNT THAT THEY SAY WE OWED TO AVOID FORCLOSURE DUE TO FORBEARANCE. WE PAID THE REQEUSTED AMOUNT IN XX/XX/XXXX LOAN WAS CURRENT WITH XXXX WE HAD BEEN PAYING ADDITIONAL MONEY ON ACCOUNT SERVICER XXXX WAS AUTO DEBITING PAYMENTS FROM OUR CHECKING ACCOUNT SUFFICIENT ESCROW MONEY IN ACCOUNT TRANSFER TOOK PLACE WITHOUT NOTICE FROM EITHER PARTY XXXX DID NOT PROVIDE NEW LOAN SERVICER GREEN PLANET WITH CORRECT PAYEMNT INFORMATIONGreen Planet began to demand money, stating that we were facing foreclosure! I provided them with all bank information showing payments were current and not late, as these payments were auto debited from our checking by the loan servicer each month. We confirmed that the loan was sold and began to work with the new servicer who harassed us and failed to even answer our multiple questions, regarding our loan, our escrow balance, additional charges, etc. They began placing additional charges on our account but failed to explain what they actually were for. They began using our escrow money to pay for these items, but could not produce documentation that those services actually happened. At XXXX point a customer service rep told us that XXXX charge that was performed XXXX times in XXXX week was for property preservation that included mowing our lawn, picking up trash, and boarding up our windows! All of these never happened as we were living in our home and there is no record of anyone checking into our property during those times. You see we live in a gated community that requires check-in at a guard shack, and those visits are logged. When I asked for a copy of the bill from the person who they paid out of my escrow account, they could not produce it
|
| 06/08/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Considering that my previous mortgage was with Planet Lending. I thought it would be easier to stick with the same lender and apply for my new home. My representative that began the process was XXXX XXXX. I provided all the documentation that he requested : paystubs, bank statement, tax forms, copies of ID '' s, and we were pre-approved for the new mortgage XXXX XXXX, 2015. We signed a XXXX days contract XXXX XXXX, 2015, so that my husband and I could sell our home around the same time at the end of XXXX.
From then there were many issues : XXXX, Planet Home Lending continued to ask for documents that he was already provided, the appraisal was not submitted, XXXX took a vacation and did not provide a name of another contact, the documents were not submitted to the underwriter, HUD sale of previous home was not submitted to the VA by Planet Home Lending, when I asked to speak to manager that did not happen, we had to ask for XXXX extensions beyond the XXXX day contract, we were told to pay off collection debts that were not necessary, we were told to have the Department of Education to update the deferment dates to update the credit report, XXXX admitting that he did not review the documents previously, Multiple credit supplements submitted, XXXX lying to us consistently, XXXX other institutions reviewing our credit reports and determining that even with the collection accounts and debts that we had - we still qualified, NOT being provided a mortgage payment after the updated information, not being told that the interest rate had increased after the extensions, being provided a XXXX page list of further documents that XXXX XXXX XXXX needed us to provide.
Several times, I 've asked XXXX for a " potential '' mortgage payment, he said he could not provide until the numbers are in. So we had no idea what our payment could possibly be for the new home. I requested to speak with a manager thru the customer service line, I was told that he would call me back and I was not provided a name. I asked XXXX to tell me the name of his manager, he told me that the manager would call me back. That did not happened.
We contacted and started working with XXXX XXXX. She also informed us that our credit score had gone down, therefore we would have to take a higher interest rate and then pay in order to pay the interest rate down. Confirmed that our credit score was above XXXX and the debt to income ratio was below the VA required percentage. She did not know why Planet Home lending was having us pay off debt that was in collections or asking the Department of Education to update a deferred account which was not required. The loan officer also found out that Planet Home Lending did not submit the documentation to the Underwriter until XXXX XXXX XXXX days prior to the original closing date nor Planet Home lending submit the HUD sale documentation to the VA Mortgage department in order to get the VA Benefits certificate. XXXX XXXX was able to close the loan in XXXX business days using the credit report which still showed the collections accounts and debts ( because the credit companies had not updated the report since it was still in the same month ), and all the other debts that were on our account.
{$9900.00} Unnecessary debt payoff {$3800.00} Interest rate by down to new lender {$2000.00} Extension cost to seller {$4900.00} Expenses incurred due to negligent extension {$20000.00} Total monetary damagesI do n't believe that this company should be able to treat a XXXX veteran or any human being with such negligence and carelessness as they have. To have a family displaced because of their negligence and incompetence shows the lack of responsibility, morals, and business ethics. They should not be able to cost families money, time, and stress.
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| 07/18/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/2019 a listing contract, HUD settlement statement and Seller Authorization were sent to Planet Home lending. On XX/XX/2019 the Request for Mortgage assistance ( RMA ), XXXX, Purchase agreement, Listing agreement, XXXX, Hardship letter, letter of explanation regarding NO INCOME AND NO UNEMPLOYMENT, Occupancy Form and Bank statements were sent to the LENDER via email and Fax they claim were NEVER received. On that same day a Rep by the name of XXXX XXXX sent me Planet 's RMA, Expense worksheet, docs needed for review form, Anti-Fraud Agreement and XXXX. On XX/XX/2019, I called in again to make sure documents were received and once again, I was told that they were not and that the Listing Contract and Purchase Agreement need to be sent in, again. With no explanation of what exactly was needed just that the Documents were needed again. I resent everything. On XX/XX/XXXX, same thing missing documents. On XX/XX/XXXX same thing and documents were sent again, this is the 6th time that I sent in the same documents. On XX/XX/2019 the file was finally assigned a Rep named XXXX. On that day she again stated that the purchase agreement and other relating documents for short sale were needed. I lost it at that point and then she proceeds to tell me that they only needed missing pages of bank statements were needed and letter of explanation regarding a {$5900.00} deposit was made ( income tax return ), food stamp award letter. She also disclosed the VALUE that day of {$160000.00}. When the value was disclosed, i started asking for an ATP ( APPROVAL TO PARTICIPATE IN THE SHORT SALE PROGRAM ) FHA guidelines. On XX/XX/2019 I called in to check the status to make sure the documention stage had been complete and a Rep by the name of XXXX told me the documents were in a review. On XX/XX/2019 I called back in and spoke to XXXX and she stated that the food stamp award letter was still needed and the letter of explanation regarding the money that was deposited in the amount of {$5.00}, XXXX. At this point, I lost it again and reached out to the Foreclosure Attorney and XXXX for help. Needless to say due to the Incompetence of Planet Home Lending 's Rep the Property was foreclosed on XX/XX/2019. At that point I instructed Mr. XXXX to reach out to his lender for the cash for keys program. He was told that they do not participate in the XXXX for XXXX program. I called today XX/XX/2019 to check on the status because I sent a letter to the Lender ( which is attached for your review ). The Rep XXXX told me that FHA bought this back and that I needed to reach out to FHA because they ( Planet ) have no control over the property and that I needed to call FHA. WHICH I KNOW IS A COMPLETE BOLD FACE LIE BECAUSE THE TRUSTEE SITE SAYS THAT PLANET HOME LENDING WAS THE BUYER AT FORECLOSURE. I then reached out to XXXX to file a complaint because Planet Home Lending and it's Representatives are LIAR 'S. This is NOT OKAY. Mr. XXXX would not qualify for any other loss mitigation options because HE DOES NOT HAVE A JOB AND IS ON FOOD STAMPS. NOW PLANET HAS ALLOWED THE FORECLOSURE AND WILL NOT HELP HIM GET OUT OF THE HOME WITH THE XXXX FOR XXXX PROGRAM. The Rep at XXXX XXXX that filed a complaint for me said it is up to THE LENDER. EITHER WAY MR. XXXX CAN NOT VACATE THE HOME UNTIL HE GETS HELP WITH MOVING EXPENSES. I BELIEVE THAT THIS FORECLOSURE IS NOTHING BUT FRAUD BY PLANET HOME LENDING AND ITS REPRESENTATIVES. When I was filing the complaint with the XXXX rep she said that in her note the Lender stated they ( Planet ) home lending stated that the Mr. XXXX was not responsive when it came to the loss mitigation review! ANOTHER BOLD FACE LIE!! I don't understand how you the Regulatory Agency ALLOW for the BANKS TO DO THIS TO PEOPLE!!!
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| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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Planet Home Lending , LLC ( PHL ) is trying to foreclose on my home by illegally paying my homeowners insurance in order to keep my mortgage payments high. I am currently paying a deficiency in my escrow, from my previous lender, that I will be done paying by XX/XX/XXXX ( see attachment 1 and attachment 2 ). My current mortgage payment, including the current escrow deficiency, is {$2800.00} ( see attachment 2 ). After the escrow deficiency is covered in full, by XX/XX/XXXX, my mortgage payment will return to {$2500.00} ( $ XXXX {$310.00}, see attachment 2 ). A decrease in my monthly payments will make my mortgage more affordable. On Monday XX/XX/XXXX I received an annual escrow account statement disclosure sent by PHL ( see attachment 3 ). In the escrow statement, PHL lists homeowners insurance as one of the escrowed items ( see attachment 3 ). PHL has changed the terms of my mortgage by adding homeowners insurance to the escrow. My previous mortgagee did not include homeowners insurance as an escrowed item. I tried to address my concerns about the escrow to the PHL escrow department, but the department does not have a contact phone number for consumers.
According to PHLs own statements, in their documents, paying for my homeowners insurance and adding the balance to my escrow account is completely illegal. PHL has the following policy, with regards to Hazard/Homeowners Insurance : To protect our mutual interest, Planet Home Lending , LLC must be named in the mortgagee clause. Please keep in mind it is your responsibility to maintain proper and sufficient hazard insurance coverage as well as flood insurance where required. Failure to maintain and provide PHL with evidence of insurance prior to the expiration may result in us obtaining coverage to protect our interest ( see attachment 4 ). I have maintained proper and sufficient hazard/homeowners insurance coverage for my home ( see attachment 5 ). My homeowners insurance is active and will be automatically renew for the upcoming XX/XX/XXXX-XX/XX/XXXX term, because I have automatic bank withdrawal for the payment to the insurance company ( see attachment 5 ). My homeowners insurance has never been canceled or interrupted. PHL adding the homeowners insurance to my escrow is absolutely illegal.
PHL wants to illegally take over my homeowners insurance payments as a tool to increase my mortgage payments and foreclose on my home, which is PHLs ultimate goal. If PHL is allowed to illegally take over my mortgage payments, this will be the beginning of the end the ownership of my home. PHL wants to pay for my insurance in order to increase my escrow account so that a new deficiency, that they will create, will be added to my mortgage payments ( see attachment 3 ). If PHL illegally pays my homeowners insurance, my mortgage payments will remain above {$2800.00}, indefinitely. If PHL illegally takes over my homeowners insurance, they can also decide to let the current insurance be canceled and then select the most expensive insurance possible, in order to further increase my monthly mortgage payments. It is my understanding that there have been similar complaints about this company, which is why I am very concerned. PHL amended my insurance policy ( see attachment 5 ) and PHL included the homeowners insurance premium in the escrow statement ( see attachment 3 ), without notifying me before making these changes. Customarily, if there is any problem with the homeowners insurance, the lender will notify the homeowner to correct the situation. If the situation is not corrected, then the lender can take action. PHLs actions with my escrow account are evidence that PHLs sole purpose, with my mortgage, is to foreclose on my home.
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| 07/03/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
Older American |
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A Notice dated XX/XX/XXXX XXXX XXXX stated that after review of the above referenced account, you remain personally responsible for a {$160000.00} mortgage lien that is still active and filed on the above referenced property address. Below are a few of the many possible payment options available in order to settle this account. Lum sum payment 1 time payment of {$24000.00} Notice : Important state disclosure information on the back of this letter Understand that once you make a payment towards this account that does not payoff or settle it in full, the statue of limitations prohibiting the collection of this account through legal action may no longer apply. While XXXX XXXX XXXX XXXX agrees that we will never file a lawsuit against you for the collection of this debt, it is our responsibility to make you aware of the facts stated herein. Please also be advised that this account remains secured by a lien against the property that will only be released upon full pay-off, reduced pay-off through a bankruptcy with an approved lien strip order or by operation of law.
On XX/XX/XXXX A purported ( invalid ) Corporate Assignment Deed of Trust XXXX XXXX XXXXXXXX ) transferring/ conveying/ assigning an Deed of Trust to XXXX XXXX was recorded in the XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/XXXX A Notice of Assignment, Sale or Transfer of Servicing Rights from XXXX XXXX to XXXX XXXX. on this debt or making a written promise to pay. XXXX XXXX agrees that we will never file a lawsuit against you for the collection of this debt, Please also be advised that this account remains secured by a lien against the property that will only be released upon full pay-off, reduced pay-off through a bankruptcy with an approved lien strip order or by operation of law.
On XX/XX/XXXX A Notice of Default and Election to Sell Under Deed of Trust was recorded in the XXXX XXXX XXXX XXXX XXXX XXXX.
A XXXX XXXX Petition was filed which requires the creditors to file 41 ) Proof of Claim to get paid. The creditors XXXX and PHL filed an incorrect and an incomplete Proof of Claim.
Debtors filed an Objection to the Proof of Claims ( POC ) that had an obvious material misrepresentation and was DEVOID of the required documentation to evidence the security perfection and proper transfer / assignment of the promissory note. The XXXX XXXX XXXX XXXX obstructed ( denied ) the Objection to the POC with prejudice.
XXXX and XXXX XXXX filed a Notice to Sell Under Deed of Trust scheduled for XX/XX/XXXX at XXXX.
On XX/XX/XXXX at XXXX debtors filed XXXX XXXX pre-foreclosure petition.
On XX/XX/XXXX a post-petition foreclosure was completed.
The creditor filed a Motion for Relief ( MRF ) which was granted by the Corrupt Judge XXXX even with the knowledge that the Proof of claims were fraudulent and that the Bankruptcy Appellant Court ( B.A.P. ) ruled that the Corporate Assignment Deed of Trust was INVALID and that the creditors had no standing to request a XXXX On XX/XX/XXXX my family was evicted from our Property and remain homeless up to this present.
The corrupt power of Judge XXXX XXXX is wide spread in the Central District Courts of California. The XXXX and the District Courts have covered up this crime even with the knowledge that a crime has been committed. The Zombie train is alive and prospering in the California Central District Courts with no accountability.
The XXXX and XXXX XXXX has responded to my first complaint with a sixty ( 60 ) day delay. Why nothing is going to change the facts that Judge XXXX and XXXX XXXX XXXXXXXX XXXX colluded and conspired to steal our multiple XXXX dollar property and the XXXX and District court attempts to conceal the crime. The records will confirm the facts.
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| 03/10/2017 |
No |
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- Loan modification,collection,foreclosure
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|
Web |
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Dear CFPB Representative.
I have been in a dead lock with my mortgage holder, Planet Home Lending, formerly Green Planet lending, for nearly 5 years, including XXXX separate foreclosure cases : XXXX dated XX/XX/XXXX and XXXX XX/XX/XXXX. This is a VA loan and I am a XXXX veteran. I have previously submitted a complaint, to whit, I received no resolution from Planet Home Lending representatives. I was blatantly told by PHL 's, Esq., Senior Counsel and Chief Compliance Officer, Planet Home Lending, LLC., that their company does not have to answer to anyone. ALL I have ask for is an accurate financial audit of this account. This mortgage was poorly handled by XXXX, as their accounting/advice and management skills put their company into bankruptcy. I know PHL based their accounting off of the mismanagement from XXXX which further perpetuated the problem. This mortgage was originated by XXXX. who are also now out of business, due to targeting Veterans. Also, the account was a part of XXXX. I received funds from Oklahoma Attorney General regarding XXXX. I know that I was being charged for property taxes by XXXX and until XX/XX/XXXX from PHL, because I had to send a copy of my veteran 's exemption to PHL. ALL I have ever wanted is an accurate financial audit, so that I can make an appropriate decision as to HOW resolve this mortgage. The initial Foreclose action, XXXX, dated XX/XX/XXXX, contained XXXX signatures and multiple Exhibits. This first filing contained signatures, in exhibit " C '', of XXXX and XXXX XX/XX/XXXX, as a XXXX assignment to Green Planet Lending. The Florida State Attorney General found both signatures to be fraudulent. Exhibit " C '' is absent in the XXXX Foreclosure filing, XXXX, dated XX/XX/XXXX. PHL claims in both suits I have not made a payment since XX/XX/XXXX. This is directly in contradiction to the records PHL sent me. Both Foreclosure actions were filed in XXXX XXXX of the State of Oklahoma and are available on OSCN ( Oklahoma Supreme Court Network ). Whether this was an oversight or not, PHL presented this information as being accurate before the Court. I finally received financial records from PHL. I had a friend who was a licensed Oklahoma CPA and Senior Analyst for the IRS ; and another friend who has been in banking finance for over 30 years. They both found no less than XXXX errors in the financial records of PHL and no explanation for fees that were attached to my account.
PHL provided phone records to myself and my attorney. These records are another cause for concern. The only licensed Mortgage Broker recorded in the State of Oklahoma for Planet Home Lending/Green Planet Lending, is a gentleman by the name of XXXX, phone # ( XXXX ) XXXX, MB license # XXXX, issued XX/XX/XXXX and remains current. To my knowledge, I never spoke to XXXX concerning my account nor does his name appear on any documents or phone records. PHL obtained their original Mortgage License # XXXX on XX/XX/XXXX. Long after they had provided me with mortgage advice and had filed the first foreclosure case. I want to know if PHL was in compliance with the following : Title 59 O.S. 2095 - 2095.26 - Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act. And if not, how I may seek relief under this statute. Due to the dishonesty in the past, I do not trust PHL to EVER be honest. I am aware PHL was recently fined by CFPB.
PHL started refusing payments in XX/XX/XXXX. At no time was I afforded a legitimate offer to refinance or closure of this matter by PHL. There were the same problems that existed with XXXX ; lost documents ; out of date documents ; mismanaged accounting ; etc. I have utilized every agency and effort I have to get an accurate audit.
|
| 06/12/2015 |
No |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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My original mortgage was with XXXX but sold to Green Planet Servicing/Home Lending. My payment was {$470.00} the interest was not supposed to change on VIR but every 3 years. XXXX XXXX payment jumped to XXXX one year later when XXXX took over my payment jumped to XXXX. XXXX took over the loan in XXXX XXXX. There was no change in insurance and being a XXXX veteran I do not pay property taxes and no explanation was provided for the increase. I was advised by XXXX the XXXX payment could be moved to the back of the note and they could do a loan modification or forbearance if I were to become 3 months delinquent.
I sent XXXX copies of income packages to XXXX and never got the issue resolved XXXX had my mortgage from XXXX XXXX until XXXX XXXX.
Under the Oklahoma Attorney generals settlement with XXXX I relieved XXXX in XXXX XXXX. This was not a payment refund it was for misguiding and fraud.
I was in a foreclosure agreement with XXXX in XXXX XXXX when Green Planet Home Servicing filed for foreclosure. I paid Green Planet XXXX in XXXX XXXX which was to bring it out of foreclosure. I received a bill from Green Planet in XXXX XXXX for XXXX for misc services foreclosure was suspended in XXXX XXXX. I have sent at least XXXX income packages to GPHL. I was then advised by GPHL to pay off castle credit ( a water system fir the home ) and hoa dues for liens against property although I had the money to bring the mortgage current they advised I had to pay off liens and not make the paymentsI have requested payment history from Green Planet Servicing/ Green Planet home lending since XXXX. The VA also requested this information in XXXX XXXX and never received it. I finally received a mini and unaudited history in XXXX XXXX that does not reflect anywhere near the accurate information. In addition I have requested original documents ( copies of ) for 3 years and they are unble to provide. Green Planet filed for foreclosure again XXXX XXXX, XXXX. I received payment from the Oklahoma Attorney General in XXXX XXXX for the settlement with XXXX for misguiding and fraud. I filed an insurance claim in a XXXX XXXX for roof damage and am currently under their forced placed insurance. Phl is in the same office as the insurance company. I was informed in XXXX XXXX that I needed my own ins which I have already tried to get but no one will transfer until the claim is completed. I was told XXXX I had 60 days to finish the claim and get private ins and payoff hoa so that phl could modify or rewrite the loan but wo n't release funds from the XXXX to do repairs so they hold me hostage. The problem as I see it PHL is basing payment history off of fraud misrepresentation from XXXX thus perpetuating and compounding the problem. I have asked for an audit and accounting of the loan and was told XXXX took care of that with the XXXX which was not payment reimbursement. Since last yr XXXX has attempted to re write the loan but refuse my payments then accepted XXXX payments advised me to payoff liens rather than make payments. Failed to provide an audit and changed their minds about what I need to provide them. I know of legal action concerning the relationship between XXXX and PHL. After pleading for an audit and not receiving I advised I would be contacting XXXX and Oklahoma Attorney General. PHL told me YOU do not want to take it that far or to that level. Like filing foreclosure proceedings XXXX was no big deal. I am seeking relief and assistance. I am afraid to refi the loan as they ca n't provide any documents and just make up numbers and they have eaten up most if my equity with Legal fees that they never follow through on
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| 12/03/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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On XX/XX/XXXX I logged into planet home lending portal to pay my mortgage and realized my mortgage was going up approximately {$330.00} starting in XXXX immediately tried to contact a planet home lending CSR to explain why my mortgage was increasing all CSRs. Were gone for the day so therefore unable to resolve the issue first thing XX/XX/XXXX at approximately XXXX XXXX mountain standard time I reached out to planet home, lending again to try to find out why my mortgage was increasing, at that time I was told by a CSR the reason for the mortgage increase was due to forced placed insurance being put on the home because I did not carry insurance from XX/XX/XXXX to XX/XX/XXXX when the matter was identified by planet home, lending explain to the CSR. I was unaware that there was no homeowners insurance on the home. Also, why was I just been notified after two years of not having homeowners insurance? She stated that planet home lending had sent out notifications via USPS starting XX/XX/XXXX. I then explained to the CSR that I had never received a notification via USPS nor email nor phone call. later that day, I immediately began the process to place homeowners insurance on the home and find out why I was never notified from either planet home, lending or foremost insurance company. I spoke with my agent at the time of XXXX through foremost insurance company, XXXX XXXX he stated that he never received notification from planet home lending numerous attempts and phone calls approximately 10 hours and six weeks later the issue is still unresolved however, I did discover that planet home lending sent notification via USPS that my account with planet home lending was paid in full. In XX/XX/XXXX. I did refinance a home in XX/XX/XXXX. To my surprise, planet home lending had contacted foremost stating this they also contacted foremost, stating to add them as a mortgagee, not as a lienholder. I did refinance the home in XX/XX/XXXX. Planet home lending failed to contact foremost stating they were a lienholder. I have spoke to numerous CSRs trying to get the matter resolved planet home lending did reimburse me approximately {$28.00}. Insurance was placed on the home XX/XX/XXXX each time I speak to a CSR I have been given time frames of anywhere from one week to one month meanwhile trying to make my payment which I did complete XX/XX/XXXX in the amount of approximately {$1300.00}. On XX/XX/XXXX I spoke to XXXX with planet home, lending wanting to speak to a supervisor to get this matter resolved as had it had been six weeks. He explain to me this matter would take an additional month and not be resolved until approximately XX/XX/XXXX of XXXX. And then I would need to continue making the payments of approximately {$1300.00}. I asked where the extra amount of money was going to be placed or if it was going to be returned to me he explained to me that it would be placed in my escrow account, Ive also asked for an exemption based on the fact that this was not my error. This was the error of planet home lending please see documentation below I have spent numerous hours and sleepless nights, trying to figure out how to resolve this matter with no help from planet home lending I have done my part on making sure the home is now covered however, as foremost insurance has stated to me, they were unable to place planet home lending as a lienholder as planet home lending did not send them a request.
I have additional documentation if needed upon request along with dates times, and people I spoke with at foremost, insurance company, and planet home lending
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| 11/01/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I have been in a battle to make mortgage payments since XX/XX/XXXX. I missed 3 payments in XX/XX/XXXX. We then set up a payment plan for a total of 12 months. I made 11 payments when I was told I successfully completed the program and was now back onto my regular mortgage plan. The following month I was in a hospital with my son who was being diagnosed with XXXX instead of working. I called the mortgage company and explained the situation. They informed me that I need to take care of my son and that I could make a double payment the following month. I was relieved to hear this instead of having to borrow money from someone. When I called the following month to make the double payment, I was told they could not accept my payment because I was in foreclosure. This was around XX/XX/XXXX. They told me they would get back with me to see why they were not able to take my payments. This turned into a year long process of giving documents. I gave documents month after month. They always wanted an updated statement from the bank or a new invoice of some sort. Each time they received a document, in which they claimed was the last document needed in order to complete a loan modification, they needed a new one. They played this game with me until they were able to get a judgement on me in court. I found a lawyer who immediately got that judgement removed due to the negligent nature of this company. Once the judgement was removed, I was told everything was set for the modification and that all I had to do was sign paperwork. I let my lawyer go and signed the modification paperwork with great relief. Once they received the signed papers, they then requested an invoice from my HOA showing a {$0.00} balance. It took me time to get since the HOA is never open. However, I was in contact with the mortgage company each day while I attempted to get this invoice. XX/XX/XXXX I spoke to the manager of the loss mitigation department who confirmed receipt of the necessary document. He advised me that I would have new paperwork to sign in the mail in a few day. By XX/XX/XXXX, I still had not received the paperwork form them. I called and they now said they needed an updated invoice for XX/XX/XXXX and XX/XX/XXXX form my HOA. I advised them that it is a yearly invoice that is paid for XX/XX/XXXX therefor that is the updated invoice. I was told I would get a call back once they looked into it. A week later, I still had not received a call back. It is now XX/XX/XXXX, I just got off the phone with them and they again requested an updated invoice. I explained they have it and I can not give them a different document since one does not exist. This is not the first time they have asked me for documents that do not exist. I was put on hold. When she came back on the line they are now asking for a cancelled check of my most recent payment from the HOA. I explained that I paid cash and as a receipt they gave the invoice with a {$0.00} balance. I was told that the invoice did not show that I paid cash. This is correct, it only shows paid, not how it was paid. I am not sure what this has to do with my modification but to me it seems they are beginning the run around process yet again, while they begin foreclosure in the back ground. I have been in constant contact with the company, made payments to them even though there is no existing mortgage and given them every document they requested, in a reasonable amount of time, with the exception of the documents that do not exist. I am desperate to have mortgage back and am tired of playing games with this company.
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| 10/30/2020 |
Yes |
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- Trouble during payment process
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Web |
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Refinanced with XXXX XXXX, wire sent to Planet Home Lending XX/XX/20, Planet Home Lending received and accepted the wire on XX/XX/20.
XX/XX/20 Called Planet Home Lending XXXX XXXX talked with XXXX in customer service to verify wire received and to see why payoff not processed as balance was still outstanding, XXXX stated Planet Home Lending had not received wire and that I should contact sender to see 1 ) if wire was sent and 2 ) if it was sent correctly XX/XX/20 Called XXXX XXXX XXXX XXXX verified with title company wire was sent and Planet Home Lending accepted wire on XX/XX/20.
XX/XX/20 Called Planet Home Lending XXXX XXXX talked with XXXX, in customer service to verify wire received and to see why payoff not processed as balance was still outstanding, XXXX stated Planet Home Lending had not received wire and that I should contact sender to see 1 ) if wire was sent and 2 ) if it was sent correctly. XXXX stated he would note my account and also provided their bank routing and account numbers.
XX/XX/20 Called XXXX XXXX XXXX XXXX re-verified with title company wire was sent XX/XX/20 and Planet Home Lending accepted wire on XX/XX/20 XX/XX/20 Called Planet Home Lending, talked with XXXX, in customer service, could he please find the wire sent and explain why payoff not processed as balance was still outstanding, XXXX stated Planet Home Lending had not received wire. At that time I had a copy of the wire confirmation and the account routing numbers, so I requested that XXXX go over them with me to prove everything had been sent to the correct account, and we did. He then stated no more could be done, we would just have to wait for the wire to appear, and he would note our account. I said that was not good enough and I asked for a manager. XXXX the manager joined the call, the only resolution he could provide was for me to send my proof that Planet Home Lending had the wire to XXXX XXXX XXXX. I would then receive an automated email verifying the information was at Planet Home Lending, and they would begin researching within 48 hours. In the meantime I could check my account daily.
XX/XX/20 logged into my account, no payoff processed but Planet Home Lending sent out county property taxes for a loan they no longer technically own!!!
XX/XX/20 XXXX am Called Planet Home Lending talked with XXXX, in customer service to she actually verified wire received. Asked why my loan was not paid off, she stated Planet Home Lending has a process that they follow, and it will take days to payoff, when I asked to verify the ETA, she said maybe XX/XX/XXXX. I told her that can not happen, we will be overdue, and we are already getting a late fee and a delinquent notice from Planet Home Lending, she stated that is ok and it will not affect or credit. I asked how is that possible, how can this be guaranteed, I had no reissuance. I told her this needed to be taken care of today, she put me on hold to get a manager, then came back and said their systems were down and asked if I could call back! I said no, she needed to have someone call me back, and no one did!
XX/XX/20 XXXX XXXX Called Planet Home Lending with an XXXX XXXX Representation, talked XXXX XXXX ( XXXX ), trying to resolve, no mangers available, no resolution, the last comment that I can remember from XXXX was, you know we have the funds, so you just do not need to worry! Really, I now have two mortgages on my credit report and one that I have no guarantees from Planet Home Lending they will payoff anytime soon, they just seem to be holding on to the funds.
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| 06/21/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX VIA E-mail/Electronic Transmission Office of the Attorney General XXXX XXXX XXXX, Attorney General XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref : Unlawful shark lending practice/Abusive Lending Practice and Breach of Fair credit act by Planet Home Lending LLC-Loan # XXXX Dear XXXX Attorney General XXXX XXXX XXXX XXXX : My name is XXXX XXXX XXXX a proud Californian since 1XXXX.I am an expatriate and a proud father of XXXX kids who attended in XXXX XXXX . I own a home in beautiful XXXX XXXX of California since XXXX of XXXX. Recently I have gone through a terrible malpractice of mortgage lenders collection procedure and almost lost my home. I am spent a lot of money in legal fees and none of them were able to help me, now as a California resident I am seeking your assistance on the below matter in details : On XX/XX/XXXX I took cash out loan of {$97000.00} to do some modification in my house from XXXX XXXX and then in a short period of time in XXXX recession times I could not make the payments as my income significantly reduced and became delinquent. In XXXX XXXX XXXX wrote off my debts of {$97000.00} and possibly sold the debt to some debt collectors ( XXXX XXXX XXXX XXXX and then Planet Home lending LLC in XXXX of XXXX ). In the midst of Novel Corona Virus Pandemic Planet Home Lending LLC filed for Notice of Default on XX/XX/XXXX to foreclose my home and the sale date was set for XX/XX/XXXX without proper prior notices or even sending the past dues notifications since my delinquency in XXXX, I find this is very illegitimate. In addition, throughout the foreclosure process Planet Home lending LLC did not offer any loan modification to save my home which is serious offense under various real state laws. At this point I cant bear anymore legal fees.
Honorable Mr. Attorney General I had to pay {$240000.00} from an urgent loan ( the final amount I had to owe to pay this debt off is {$270000.00} with all related fees ) to stay in my home with my XXXX years father, XXXX years old mother, my wife and XXXX children. I have had multiple attorneys to assist with me whom were no help at all as this debt collector would not assist. In addition, this lender has reported to XXXX that I was late 120 days as of XX/XX/XXXX which they have never reported before or sent me in writing or sent me any mail as such, it made my refinance options more difficult. I will attach the related documents about the payoff. I will also enclose the email materials to Depart of Real Estate, Fair Housing Authority and California trade commissioner for the horrendous debt collector. To own a home is an American Dream, please help us to keep up our dream.
I would fervently request a thorough investigation on this matter from all the entities that can expose the illegal activities of the foresaid matter. I am thankful to you for taking your time to read this letter. I am firm believer that your kind attention will discover the anomaly of the particular matter and Planet Home Lending LLCs malpractice throughout the state of California.
If you have any disquiet in the matter please feel free to contact me directly at XXXX XXXX XXXX or write to XXXX, thank you in advance.
Sincerely Yours, XXXX XXXX XXXX Address of Debt Collector : Planet Home Lending , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, CT XXXX Cc : Federal Trade Commissioner ; Fair Housing Authority, Los Angeles Development Authority ; Real Estate Commissioner ; Consumer Financial Protection Bureau
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| 08/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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In the past 30 years, my wife and I have lived in our single home, but economic and health reasons have prevented us from continuing to pay our mortgage. After a long process in court and trying to modify our loan, we realized that we would not be able to continue as my health has deteriorated and is at risk. Because of a lack of specialists in XXXX XXXX, I must be operated outside the island. We will move to the United States for my treatment and stay with our oldest son.In the midst of all these events, we found ourselves with the sad reality that we would have to leave our home, and our daughter offered to buy it for a " short sale '' with her husband. Our bank informed us that doing a short sale with a family member is not a problem since our loan is a portfolio loan. Following this information, we formally submitted the short sale offer to the bank on XX/XX/2022, through our broker.A short sale offer of {$39000.00} dollars was submitted ( appraisal value was {$39000.00} in XX/XX/2022 ). After the offer was sent, it wasn't until XX/XX/2022, that they notified our broker that they had received all the documents and that they would respond shortly.Despite constant communication regarding the offer, our broker received an email dated XXXX stating that the Short Sale offer was denied because they would not accept asale through a family member. It took us by surprise since at all times we were told familiarity wasn't an obstacle, a real deal had been offered and all documents had been sent. Our broker informed the bank that the second mortgage agreed to cancel the lien at a much lower value than the balance owed.Our broker requested reconsideration of the refusal after receiving the refusal, notifying us that familiarity was not a valid reason. A new title search was ordered by the bank ( we had never been informed about this ), which indicated that a new promissory note had to be canceled in order to submit the reconsideration.In response to the broker 's email regarding the promissory note, we informed them that we were not aware of the issue, but we were seeking the notary who signed the deed, and we are currently trying to identify the promissory note if the judicial route does not seem to cancel it. This new promissory note was not reported in the denial of the offer.So things immediately, our broker last XX/XX/2022, sent a reply to the bank by email indicating that the steps were being taken to obtain the promissory note that in what this was, we requested that the reconsideration be submitted and the offer be accepted. We promised to obtain the promissory noteor failing that, assume the expenses of ajudicial process in case of having to do it that XXXX XX/XX/2022, our broker has continued to take steps to obtain a response from the bank and it is only today that the attorney who is handling the case in Court submits a Motion to foreclose the property, even though the bank has not responded to our request for reconsideration and there is a negotiation in progress.This bank 's actions have been malicious, and we feel betrayed. Our case was under consideration, but we discovered that it is in the process of being foreclosed. There has been no compliance with the laws governing Loss Mitigation processes, including Law 184, 169, and Regulation X, which affect our rights to be treated fairly.We only want to avoid foreclosure and sell our property. We would appreciate if you could investigate the bank 's process in our case and assist us in getting the support we need to sell our home.
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| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Planet Home Lending collected escrow for our property taxes via our monthly mortgage payments. In good faith, we relied on Planet Home Lending to pay our taxes from our escrow account. We received notice from our county of a pending tax lien sale on our home effective XX/XX/XXXX. We contacted Planet Home Lending. They verified they had failed to pay our property tax bill when they received it XX/XX/XXXX per their customer service. They advised us to fax them a copy of the tax bill and they would pay it within 10 days. We faxed it to them on XX/XX/XXXX. We contacted them 10 business days later. They did not pay our property taxes. They advised they would review the issue, without promise of any completion date. We contacted them multiple times and each time were advised they had not paid the tax bill because they were still researching the issue. Our prior mortgage companies, before selling to different banks, all paid our tax bills from escrows they collected. Planet Home Lending collected escrow funds from us, in order to pay the tax bill, but they kept the money and did not pay the tax bill. We had to pay our tax bill from our savings to prevent the county from selling the tax lien against our home on XX/XX/XXXX because Planet Home Lending took our escrow funds, held our escrow funds for the property taxes, and failed to pay the property taxes as promised. This has caused us financial hardship. In good faith, we submitted proof of the paid tax bill from our county to Planet Home Lending and requested they refund the overage now in our escrow account to us. Planet Home Lending said they would research this and to follow up today XX/XX/XXXX. Instead of refunding us, their representative advised us that they marked the account as " Taxes Paid '' and closed the escalation ticket for our refund review. Another representative advised the ticket was open yet it was only to get the penalty back from the county. The penalty being the result of Planet Home Lending 's negligence to pay our property taxes prior to XX/XX/XXXX when they were due. Instead, the county assessed a penalty which was paid by us, to the county, along with the property tax bill that Planet Home Lending failed to pay. Their representative advised they were requesting a refund of the penalty from the county. We advised them the county assessed the penalty because of Planet Home Lending 's failure to pay the bill and we questioned why Planet Home Lending felt the county owed them a refund for the assessed penalty for their negligence, when we paid the penalty. They advised that would be researched by XX/XX/XXXX. They give the county 45 days to refund a penalty which was legitimately assessed by the county because the Planet Home Lending was negligent and failed to pay the tax bill from the collected escrow account we paid to Planet Home Lending. Planet Home Lending advised us that there is no refund indicated. That they are only looking for their refund for the penalty that they caused. They advised once their escalation team resolves this escalation ticket, no earlier than XX/XX/XXXX, they will let another team know. This other team will then review the results of the escalation ticket for the refund of the penalty. But there is no indication they will refund us for the amount that we paid out of pocket, in addition to the prior year of escrow and the ongoing escrow they continue to collect from us for property taxes which they have not paid. This is the loop of misinformation that protects their theft of our escrow.
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| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Planet Home Lending collected escrow for our property taxes via our monthly mortgage payments. In good faith, we relied on Planet Home Lending to pay our taxes from our escrow account. We received notice from our county of a pending tax lien sale on our home effective XX/XX/XXXX. We contacted Planet Home Lending. They verified they had failed to pay our property tax bill when they received it XX/XX/XXXX per their customer service. They advised us to fax them a copy of the tax bill and they would pay it within 10 days. We faxed it to them on XX/XX/XXXX. We contacted them 10 business days later. They did not pay our property taxes. They advised they would review the issue, without promise of any completion date. We contacted them multiple times and each time were advised they had not paid the tax bill because they were still researching the issue. Our prior mortgage companies, before selling to different banks, all paid our tax bills from escrows they collected. Planet Home Lending collected escrow funds from us, in order to pay the tax bill, but they kept the money and did not pay the tax bill. We had to pay our tax bill from our saving to prevent the county from selling the tax lien against our home on XX/XX/XXXX because Planet Home Lending took our escrow funds, held our escrow funds for the property taxes, and failed to pay the property taxes as promised. This has caused us financial hardship. In good faith, we submitted proof of the paid tax bill from our county to Planet Home Lending and requested they refund the overage now in our escrow account to us. Planet Home Lending said they would research this and to follow up today XX/XX/XXXX. Instead of refunding us, their representative advised us that they marked the account as " Taxes Paid '' and closed the escalation ticket for our refund review. Another representative advised the ticket was open yet it was only to get the penalty back from the county. The penalty being the result of Planet Home Lending 's negligence to pay our property taxes prior to XX/XX/XXXX when they were due. Instead, the county assessed a penalty which was paid by us, to the county, along with the property tax bill that Planet Home Lending failed to pay. Their representative advised they were requesting a refund of the penalty from the county. We advised them the county assessed the penalty because of Planet Home Lending 's failure to pay the bill and we questioned why Planet Home Lending felt the county owed them a refund for the assessed penalty for their negligence, when we paid the penalty. They advised that would be researched by XX/XX/XXXX. They give the county 45 days to refund a penalty which was legitimately assessed by the county because the Planet Home Lending was negligent and failed to pay the tax bill from the collected escrow account we paid to Planet Home Lending. Planet Home Lending advised us that there is no refund indicated. That they are only looking for their refund for the penalty that they caused. They advised once their escalation team resolves this escalation ticket, no earlier than XX/XX/XXXX, they will let another team know. This other team will then review the results of the escalation ticket for the refund of the penalty. But there is no indication they will refund us for the amount that we paid out of pocket, in addition to the prior year of escrow and the ongoing escrow they continue to collect from us for property taxes which they have not paid. This is the loop of misinformation that protects their theft of our escrow.
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| 05/10/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, I called Planet Home Lending to cure a tax deficit in my escrow account. I had attempted to make this payment 3 times before, but the Customer Service Department was rude and gave me a hard time about accepting my payment. Customer Service Representatives kept demanding more money. On XX/XX/XXXX I spoke to XXXX in the Tax Department. He stayed on the line with me. He added XXXX ( XXXX ) from Customer Service on the phone to accept my escrow payment. Like in previous attempts to make this tax payment, XXXX XXXX XXXX XXXX was rude and wouldn't accept my payment of XXXX. She kept telling me I needed to pay XXXX more. So when I asked her repeatedly on the recorded line " Was she refusing my payment? She said No! Then She accepted my payment then read disclosures to me.
Weeks go by and my payment hadn't been processed through my bank. We're in the middle of refinancing with Planet Home Lending. XXXX XXXX, our Loan Officer, tells me not to worry. The payment is being processed.
This tax payment needed to be credited to our escrow account so our mortgage payment wouldn't go up to XXXX Monday, XX/XX/XXXX, I called XXXX XXXX, my Loan Processor. We called Planet Home Lending to check the status of my escrow payment. The Customer Service Representative told us my escrow payment of XXXX was canceled by XXXX as soon as I hung up the phone. None of Planet Home Lending Supervisors would get on the phone and talk to me about why this happened. This woman 's actions have impacted our house payment greatly! Costing us money. Helping Planet Home Lending justify raising our house payment to almost double while we are being effected by a pandemic and XXXX
I feel a crime was committed against us. We were violated!
The next issue is XXXX XXXX, Planet Home Lending 's Loan Officer insist on raising our Streamline Refinance interest rate to 2.75 %. This same loan was offered to us at 2.6 % by his now XXXX XXXX XXXX, last year and this year in XXXX. XXXX told me pay my taxes before our closing. He told me he would take our interest rate back down to 2.6 %. Supposely he was raising the interest rate to help us with our closing cost. I paid the taxes. Now XXXX is saying we will lose our Lender Credit if he takes the interest rate down 2.6 %. When that didn't work, XXXX told me I was breaking some kind of law by requesting my interest rate return to the 2.6 %. Planet offered us 2.6 % interest rate at the beginning. This is our second attempt to refinance with our mortgage company.
We feel we're being taken advantage of and being disrespected verbally and financially.
We shouldn't have to lose any benefits for asking for the lower market rate.
XXXX XXXX is XXXX XXXX 's XXXX. He was our first Loan Officer working to refinance our home in XX/XX/XXXX. He offered us XXXX interest. That rate was still good in XX/XX/XXXX. When XXXX realized our property taxes had gone up to XXXX, he offered no solutions on how we could keep our payments low. Maybe roll some of that amount into our loan. XXXX had originally quoted XXXX a month house payment after refinancing. Now he was talking almost a XXXX a month house payment. XXXX phone calls became insulting and demeaning. We didn't want to work with him. XXXX closed out our refinance loan application without our permission or notification. Effecting us greatly financially.
Now he's been promoted to one of Planet Home Lending Supervisors.
I feel all these problems is no coincidence. I want these occurrences investigated by HUD and RESPA.
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| 05/16/2018 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
|
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Web |
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Today, XX/XX/XXXX I received a call from XXXX who advised that he gets sent the files that are hard to close. I asked why and how he was sent this file since no communication that I have received from who I thought was my current loan officer ( XXXX ) that she and her branch manager who I spoke with Monday was passing off the file. He did advise that XXXX has been cc-ing him in the messages which is further indication as to my surprise as to the purpose of his call. He advised that Planet Home has decided that they can not approve the house that we have had on contract since XX/XX/XXXX due to lien issues. I advised him that at no time since both myself and their bank has been aware of the liens which started from XXXX. First it was a cross colateral lien and then the HOA fined the property for paint and pressure wash. The only update to the lien was the fact that the HOA liens were sent to an attorney who filed for a summary judgment. Up to XX/XX/XXXX on a conference call between myself, XXXX, and XXXX XXXX, branch manager of the XXXX location, it was conveyed to me by them that title would not issue title for my safety and theirs on a property with a legal issue. XXXX went over three possible outcomes for summary judgment. Conversation as well as subsequent emails between Planet Home, XXXX XXXX ( realtor for both sides ) and myself was that all they needed was dismissal of the legal matter and that the liens were resolved. On XX/XX/XXXX, XXXX XXXX notified them that the seller and HOA attorney came to an agreement about dropping the lawsuit, paying {$7100.00} in fees and us as the buyers curing the liens within 90 days. The paint and the pressure was is being paid for through the financing as it is a XXXX XXXX loan and that was being covered for {$3000.00}. So now hearing that all this work has been done and Planet Home was fully aware to now hear that they don't feel comfortable with the property. When I addressed him on the delay of the decision he then tried to bring up our personal qualification. I then checked him on that information because we were qualified and that was also further confirmed by XXXX and her branch manager and the only issue they were waiting on to proceed was the law suit. He then backed up and brought up that buyers dont care that banks are not able to sell loans or make money from loans due to not having the appropriate documentation but how is this now an issue. The contracted price is {$330000.00} on a house appraised for {$360000.00} before the repairs that are financed in with an ARV of {$390000.00}. In addition, they are servicers of loans and will already recoup their money from the rate they are charging. Once it became apparent that their decision does not sit well with me he advised that he was just handed this and that he won't put his license on the line for this loan and will forward to the company 's attorneys to send me documentation of their denial. Please note that this file has been with them since XXXX. I had to reach out to their VP of XXXX XXXX in order to get a call back after days of no response. I had to go on their XXXX page to get a phone number for the branch manager who thus advised me that because it is a FHA XXXX XXXX and all the moving parts they are not comfortable with it nor have the experience with it so therefore why even offer that product.
NOTE THAT on XXXX the title committment was sent indicating on page 2 of the cross colateral lien. File had already been to underwriting three times since then.
|
| 06/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This company ( Planet Home Lending ) has been servicing my loan since XX/XX/XXXX after a refinance with XXXX XXXX XXXX in XX/XX/2021. Since they have started they have mismanaged my escrow and causing letters to be sent to me requesting additional money to cover the escrow shortage. In XXXX I received a letter stating I was short just over {$3000.00} because they sent out money to a former insurance carrier and due to what I believe was a miscalculation by the title company who closed my loan. I understood and when after a month I received the refund check ( {$1300.00} ) from the insurance company I applied it to my escrow to offset some of the short. During the time it took me to receive the check from my previous insurer I was also informed they were preparing to send an additional check to my new insurance company. This would have caused an additional short to my escrow even though my insurance had been paid by me. At this time they had been advised for weeks prior to that conversation. I reminded them and they looked into it confirmed and cancelled that check to my new company ( XXXX ) at the end of XXXX. I received a call on XX/XX/XXXX informing me that I was going to start being charged an additional insurance fee because I did not have insurance. I was advised by them I cancelled my insurance and was required to have insurance so they got insurance on my behalf. After contesting this over the phone I was advised they made a mistake and it was the previous insurance ( the one they sent a check to that I no longer had ) that was showing cancelled and my current carrier was fine. I was told to ignore all paperwork being sent to me in regards to the matter and its fees. Today XX/XX/XXXX I received a check from my current insurance company because on XX/XX/XXXX, Planet Home Lending sent out another check to them in the amount of {$1200.00} from my escrow. This amount was not owed to them since my homeowners insurance was paid in full. This is particularly upsetting because of all the times I have called them regarding this issue and requests for additional money from them since they took over my loan. When I contacted Customer service the person I initially spoke to did not understand the problem and blamed me for the issue. When I tried to explain it she transferred me to someone else. The person I spoke to tried to be very understanding and after waiting on hold with me for 30 minutes got someone else in the customer service department. They requested I pay back the {$1200.00} now so they could reorder an escrow analysis. Even though I have not deposited the check from my insurance company I did it in fear I would receive another letter increasing my monthly payment for the 2nd time in two months. I also advised the Customer Service rep that I was informed of an issue when I spoke to County Clerks office that my Deed and the mortgage lean have my name spelled differently on it so technically their lean does not show on my home. XXXX ( # XXXX ) said their information was correct so they did not care. It seems they also do not care to properly managing money they require me to produce and when mistakes are made I have to live in fear of them increasing my mortgage each time until I can not afford my bills and default or are late so they can charge additional fees. I feel like I am being prayed on by this company in hopes to charge additional fees or eventually bury me so much that I can no longer make my payment.
|
| 10/03/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
I have been dealing with issues since this company bought our loan. I am a 100 % service connected XXXX veteran that is tax exempt. When we purchased this house we were not aware it was XXXX parcels. My house sits in the county, my shop is in the city. After months of phone calls, drives down the XXXX XXXX recorders office, hours of unpaid time off to get this situation handled I had to contact the CFPB in XXXX to get the issue, what we thought resolved. On parcel XXXX the taxes were finally made exempt. The other parcel could not be exempt until we got them merged. The parcels are XXXX and XXXX. XXXX XXXX was able to merge the two together, the only one existing now is XXXX. About 5 weeks ago I called planet home lending and requested the taxes to be fully exempt as the parcels are now combined. I was told to wait 7 days and the update would be made. On XXXX I called to check and discovered that the taxes are still on the account and not only do I have XXXX parcels but I have 3 now. The parcel the lady from the tax department provided me is XXXX and stayed this is what the county sent them. I called the county to see what is going on as we are now aware of this parcel nor do I own any other property. What i told the agent from planet was that this is clearly a typo because it has an extra zero. She said that couldnt be. Upon searching the parcel number it belongs to another individual.
How can you guys charge me for someone elses taxes? The names are not even similiar.
My simple request is to remove the parcel that is not mine off of my record, and to remove the {$460.00} in taxes as Ive already provided proof that the parcels of mine have been merged, and Ive also provided a copy of the exemption letter several times.
My second issue is XXXX decided after verifying with my Insurance company to send a payment over of {$2600.00} after confirming it was already paid and cashed on XX/XX/28. On XX/XX/XXXX I changed my deductible on my insurance and paid the insurance company {$560.00} to avoid any further issues with my payment changing.
Im now being notified that my payment is increasing again because the {$460.00} taxes, whatever amount for the XXXX parcel that isnt mine, and now for a shortage of insurance funds.
Im not in disagreement that my premium is {$3300.00}. What Im in disagreement with is the shortage is {$780.00}. The {$2600.00} was paid on XX/XX/28. I received a refund back of the double payment of {$2600.00} and applied it to the escrow balance which was paid around XX/XX/XXXX. Additionally, I paid on XX/XX/XXXX {$560.00}. Therefore, of the {$3300.00} I paid {$3100.00}, and the shortage is {$220.00}. Not {$780.00}, and not {$540.00}.
I spent XXXX hours on the phone last night speaking with insurance and customer service which no one would align on a XXXX way call. I was told I could not have an escrow analysis done again. I was told that I need one because clearly theres an issue, and then finally I was told on my last call with XXXX that the issue is Planet sent my insurance company a payment of {$530.00} and I need to contact my Insurance for a refund.
I dont believe thats true as that is the refund amount that was given back to me from XXXX due to the overage they were charging me for all the months until they got the taxes removed off the first parcel.
I have wasted so many hours, so much time, so much distress has been caused by your company for little mistakes.
|
| 04/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Case number XXXX 1 5 U.S. Code 1692g - V alidation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapt er may continue during the 30-day pe riod referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 3-501. PRESENTMENT. ( 2 ) Upon demand of the person to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) sign a receipt on the instrument for any payment made or surrender the instrument if full payment is made. I am still being hounded by Planet Home Lending in clear violation o f US 15 1629g & UCC 3-501 that demands ceasing of debt collection attempts until the XXXX ( Presentment ) request has been made. Can you explain why one of Planet Home Lending 's agents car is in my driveway while that request has not been met, and why this is not a clear violation of both the codes? Or the emails from XXXX & XXXX ? Even continued communication from Planet Home Lending/ All debt collection must cease until the Presentment request is met per UCC 3-501 and US 15.1629g Why there is no apparent concern for these obvious violations o f U.S. codes and Statutes? I complained to CFPB that I thought Planet Home Lending and its agents were potentially commiting fraud. I asked for an investigation. Plane t Home Lending has acknowledged in writing to CFPB that they are currently commiting fraud since they can not produce evidence to the contrary supporting a claim that they even have the right person, let alone that I owe them anything. If there are UCC cod es and statutes that supercede the wording of " on demand '' ( not the 33 days I 've waited, nor the addtional 45-60 d ays CFPB intends to allow Planet Home Lending to comply ). The minute Planet Home Lending and it 's associates put documents in the mail attempting to extort money from me when by their own admission ( sorry for the redundancy, I 'm hoping this gets through to someone in ) to CFPB in WRITING that they technically are currently in violation of the codes outlined in this complaint. I was told that CFPB was a " neutral '' party in these disputes. " Consumer Protection '' is a declaritive statement, and is therefore not neutral. XXXX XXXX
|
| 09/08/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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My Loan was transferred to Planet Home Lending from XXXX XXXX. I was owed 2 years of escrow payment of {$1800.00} XXXX I was paying around {$200.00} on a modification plan I had with XXXX. I kept telling Planet Home lending that I was owed escrow amounts from XXXX they said that they could not do anything I had to go after XXXX. This seemed ridiculous to me, but I called XXXX and they said they transferred over the escrow to Planet. After much debate with Planet they finally reviewed my account in XXXX and saw that I was owed {$2600.00} for escrow and for the overage in payments I was making I had to debate with them for over 6 months for this to happen, but they still did not credit me for XXXX. A new person started to work on my modification at Planet Home lending XXXX and we came up with a plan for me to pay {$1900.00} for XXXX XXXX in XXXX I would pay {$4500.00} in XXXX I would pay {$1900.00} and XXXX I would pay XXXX and my account would be up to date for XXXX 's payment of {$1700.00}. So from XXXX to XXXX I would pay them {$14000.00}. Ok so let 's do the math. They credited me for {$2600.00} for XXXX shortage, I continued to pay monthly payments of {$1900.00} to cover past months. I have a suspense account with about {$1000.00} in that account in XXXX XXXX. If we add all I have paid and what they were proposing for me to pay the total would about {$14000.00} as credit to my account from XXXX XXXX to XXXX XXXX called every month and I kept asking them about the numbers being wrong they told me they would work itself out. Instead of their plan I paid the {$1900.00} in XXXX, XXXX {$2500.00} in XXXX I paid {$1900.00} in XXXX they are asking me to pay {$7100.00} in XXXX to cover XXXX, XXXX XXXX and XXXX. Then in XXXX I should pay my regular {$1700.00} a total of {$13000.00} inclusive of XXXX 's payments versus their proposal where I would pay {$14000.00} inclusive of XXXX, a difference of roughly of {$13000.00}, not to mention what is in my suspense account of about {$1000.00}. I try to explain to the people at Planet the numbers and they do not seem to get it where are their numbers coming from? And why have I not received credit for my {$1000.00} in the suspense account I am attaching a statement from them I printed showing they did not give me credit for my suspense amount as per the conversation I had with XXXX on XXXX XXXX, XXXX. Where is my escrow from XXXX and my extra money in the suspense account. In XXXX I filed a complaint with this department in regards to XXXX Case number : XXXX in regards to payment plan and past due mortgage. As a response XXXX said they would put the past due to the back of the loan. When XXXX transferred the loan to planet home lending they still showed I owed 3 months pays due they did not put the agreements with XXXX and myself. Now I have a payment plan set up and they are asking me to pay all these past due and my credit is shot because XXXX XXXX and Planet Home Lending can not get their numbers correct and credit me for what they are supposed to. Planet Home Lending continue to miscalculate my amounts and then when I try to correct them they keep telling me that I am wrong but they still will not properly review the entire records from XXXX and see the amount that was to be place at the back of the loan insstead they continue to hound me for money and ruined my credit.
|
| 07/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my loan in XX/XX/XXXX with my first payment due XX/XX/XXXX. At the time XXXX XXXX XXXX XXXX became my loan servicer. I made my full loan payment to XXXX on XXXX, XXXX, and XXXX. On XX/XX/XXXX XXXX sold servicing my loan to Planet Home Lending at which time I received a letter from Planet Home notifying me of the change and to make my XXXX payment to them but if I already submitted my payment then XXXX would forward it on and there was no action I needed to take.
On XX/XX/XXXX I received my first statement from Planet Home due XXXX that indicated I did not pay my XXXX statement. I called Planet Home to inform them that the payment was made prior to their purchase of my loan. At that time they said they would note it and for me not to worry about it as it probably was just a case of the payment not catching up yet.
On XX/XX/XXXX I started to receive phone calls from Planet Home letting me know that my XXXX payment was late. When I called back I was informed that the XXXX Payment has not been received. At that time I recommended that they reach out to XXXX to find out why XXXX hadn't sent on the payment. I was told that Planet could not talk to XXXX and that it was my responsibility to make sure Planet received the payment ( I later found out this was a lie ). The person I talked to ensured me this is not uncommon and they will again note my account.
On XX/XX/XXXX I received another call from Planet Home that went the exact same way. I recommended they reach out to XXXX and they said that I would not be negatively effected for 60 days.
On XXXX I received another call during that call I was informed that they will apply my XXXX payment to my XXXX balance ( I made my XXXX payment to Planet on XXXX ). I informed them that its fine but they should still reach out to XXXX if they are missing any payments. I was again lied to and told that they are unable to talk to my previous servicer.
I received my XXXX statement on XX/XX/XXXX indicating that I hadn't made my XXXX payment and that both payments were due XXXX.
I then received a call on XX/XX/XXXX informing me that my XXXX payment is late and that if it is not rectified that Planet Home will start charging fees. I again informed them that they need to work with XXXX to receive the XXXX payment. They again lied to me and said they can not contact another servicer and that it was my responsibility to due so. I reluctantly agreed to make a single phone call but made very clear that I am not accepting responsibility over any disputed payment amounts between two banks.
On XX/XX/XXXX I called XXXX they informed me that the XXXX payment was wired to Planet Home Loan on XX/XX/XXXX the day after they purchased the loan. XXXX then apologized for the inconvenience and said that they were more than happy to reach out to Planet Home and resolve the issue. This is how I found out that Planet Home had been lying to me through the entire process by forcing a shift in their responsibility to me.
I did receive a final call from Planet Home on XX/XX/XXXX informing me that they did in-fact find my payment and that they applied it to my balance.
If I could I would request a new Loan Servicer as I do not wish to work with a company whose policy is to lie to its customers. Unfortunately that is not an option and my only recourse is to file this complaint.
|
| 10/24/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to formally express serious concerns and to seek immediate rectification regarding the handling and servicing of my mortgage loan by Planet Home Lending , LLC.
Unreceived Notice of Offer : Your letter dated XX/XX/XXXX, served as my initial introduction to the offer of {$67000.00}. This is particularly concerning considering the emphasis the Consumer Financial Protection Bureau ( CFPB ) places on clear and timely communication between lenders and borrowers. Under the CFPB 's Regulation Z, 12 CFR 1026.20 ( c ), lenders are mandated to provide consumers with clear and timely disclosures regarding the terms of agreements. I was devoid of this critical piece of information until recently, which I believe is a breach of my rights as a borrower. Consequently, I insist on receiving explicit details on how this offer was disseminated : the delivery method used, the address targeted, and if a signature or any acknowledgment was required. Given this significant lapse in communication, I firmly believe I should be given the opportunity to revisit and potentially act on this offer now.
Servicing Transitions and Notification Issues : The consistent and seemingly abrupt shifts in the servicing of my mortgage may not only be concerning but could also be in violation of the Real Estate Settlement Procedures Act ( RESPA ). If the required " goodbye '' and " hello '' letters were not communicated effectively during these transitions, this might be indicative of a RESPA breach.
Erroneous Reporting and Payment Handling : My unwavering commitment to maintaining a timely payment record, notably XXXX XXXX, XXXX, starkly contrasts the derogatory marks I've discovered on my credit report. This discrepancy may be a violation of the Fair Credit Reporting Act ( FCRA ). The mishandling and unwarranted rejection of my payments further raise concerns about potential RESPA contraventions.
Foreclosure List Concerns : The inclusion of my loan on foreclosure lists, particularly given the aforementioned communication lapses and potential legal discrepancies, is deeply unsettling. The CFPB 's past actions, such as its stance against institutions like XXXX XXXX in XXXX, underscore the potential legal ramifications of flouting mortgage servicing rules.
Potential Legal Claims : Reflecting on the points raised above and my sustained efforts to maintain transparent communication despite the myriad of servicing transitions, I'm led to believe there could be potential claims under state consumer protection laws, breach of contract, and common law tort claims like negligence.
XXXX XXXX and XXXX : The cloud of ambiguity surrounding the loan modification process demands a meticulous review. I call for a comprehensive exploration of the terms and the potential for a new modification or refinance that genuinely respects and upholds my rights as a borrower.
In conclusion, I anticipate not merely a superficial acknowledgment but a holistic, XXXX, and immediate solution that guarantees the protection of my rights as a consumer. The overarching legal framework is meticulously designed to ensure equity, transparency, and protection for borrowers. It is paramount that Planet Home Lending , LLC, aligns with these norms.
I await your detailed and actionable response.
Sincerely,
|
| 12/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX of XXXX, my XXXX XXXX conventional mortgage being serviced by XXXX XXXX XXXX XXXX was sold to XXXX XXXX , XXXX XXXX, Not In It's Individual Capacity, But Solely As XXXX XXXX XXXX XXXX XXXX, located XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX ( XXXX XXXX ). My loan was being handled by XXXX XXXX XXXX XXXX XXXX due to my mortgage becoming delinquent. I had been trying to sell the home since XX/XX/XXXX and had been unable to do so. A short sale offer had been made on the home in XXXX of XXXX. As a result of servicing issues with XXXX XXXX, a delay in processing the short sale occured. Ultimetely an appraisel was requested by XXXX XXXX in XXXX of XXXX. At the same time the appraisel was ordered, XXXX XXXX sold the loan to XXXX XXXX. Because of my work schedule, I had a real estate agency that specializes in short sales representing me as a third party. This agency was known as XXXX XXXX XXXX in XXXX, PA. XXXX and XXXX XXXX were working well together and the short sale was close to closing. In the middle of this short sale transaction, around XXXX XXXX, XXXX XXXX ( investor ) elected to move servicing of this mortgage ti Planet Home Lending,XXXX XXXX XXXX, XXXX XXXX, XXXX , CT. This servicing transfer led to delay and the short sale buyer withdrawing from the purchase of the home. They were in temporary housing due to selling their home and they could wait no longer. They had been trying to purchase the home since XX/XX/XXXX ( 6 months ). On XXXX XXXX, the investor responded to the buyer 's counter offer through the new servicer ( Planet Home Lending ) indicating they wanted an additional {$6000.00}. Of course the buyer 's offer was no longer present on XXXX XX/XX/XXXX because the buyer had withdrawn at the end of XXXX. The investor would not have known there was no buyer because Planet Home Lending discontinued the contact between the buyer through XXXX XXXX XXXX and the investor ( XXXX XXXX ) as a result of not having a signed authorization from me to act as a third party. On XX/XX/XXXX, Planet Home Lending contacted me and not XXXX XXXX XXXX. XXXX XXXX XXXX did contact me at about the same time indicating that they needed a signed Planet Home Lending Authorization Form to speak with Planet Home Lending directly. I immediately faxed in a signed authorization form on the XXXX of XXXX. XXXX XXXX indicated despite my signed authorization, they were not able to speak with Planet Home Lending. When I spoke to Planet Home Lending XXXX XXXX, they indicated they had rejected my signature because my XX/XX/XXXX signature did not match my signature on the original loan document from XXXX of XXXX. On XXXX XXXX, Planet home lending finally authorized my signature. On XX/XX/XXXX, a second short sale real estate contract was presented to Planet Home Lending. On XXXX XXXX, Planet Home Lending rejected the second short sale contract, stating that the investor, XXXX XXXX wanted the short sale contract to close by XX/XX/XXXX. On XX/XX/XXXX the home foreclosed. This mortgage foreclosed as a result of XXXX XXXX 's disruption of the first short sale closing by changing loan servicers from XXXX XXXX to Planet Home Lending and the resultant disruption in communication and loss of time with Planet Home Lending 's mishandling of the servicing of this mortgage.
|
| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet Home Lending failed to pay our tax bill from our paid escrow account. We are now in delinquency with our county and default with the terms of our second mortgage. We received written notice from our county that our tax lien would be sold on XX/XX/XXXX if not paid. We contacted Planet Home Lending and they advised us to fax the tax bill to their taxes department and they would pay the bill within 10 days. We faxed the tax bill document to Planet Home Lending on XX/XX/XXXX. Today is the 10th business day. We contacted Planet Home Lending and they advised us they have not paid the tax bill. They state there is a discrepancy in our tax bill and they have not paid it. They confirmed they received this same tax bill on XX/XX/XXXX and verified they did nothing to research or resolve this, instead let it go into default and delinquency. We advised this is the correct tax bill and advised them to pay the taxes. We advised them again that we are in delinquency with the county for the tax bill due to their inaction and failure to pay the tax bill from our paid escrow, and the tax XXXX for our home will be sold by the county on XX/XX/XXXX, which is 10 business days beyond today. We advised them that we are in default with our second mortgage holder due Planet Home Lending 's inaction and failure to pay our tax bill from our paid escrow account with Planet Home Lending. They advised us they would send the concern back for research with no estimated date of completion. They have previously paid our home insurance. They are still collecting escrow in our monthly payments for taxes and home insurance. We have continued paying this escrow in good faith. They have over 2x 's the amount of our tax bill in escrow at this time. They are still declining to pay our tax bill. Because the county will sell our tax lien in 10 business days, we must go pay our taxes and request reimbursement from Planet Lending with no promise of cooperation from them. This will require that we pursue legal matters against them, further costing us beyond the out of pocket tax bill on top of the penalties because it was not paid by Planet Home Lending upon their first notification of the tax bill over 5 months ago. Their inaction continues to cost us out of pocket expenses. They continue to take escrow from us without making payment or resolving their professed discrepancy with a tax bill that prior mortgage companies have paid for the last six years without issue. There is no issue with the tax bill. The county lists one street number of our triple lot at the top of the tax bill. The mortgage company purchased our loan with this already in place and did not question the county, the prior lender, or us to resolve if this was to affect their process to pay taxes as received. Instead they cost us penalties and exposed us to financial hardship, requiring us with their inaction, to protect our asset and investment in our home, to pay our tax bill while they continue to collect against us for taxes they are not paying. Their tax department declined to provide a physical address for documents to be overnighted and served. Another customer service representative from the loan department was able to locate a physical address for overnight and served documents.
|
| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet Home Lending failed to pay our tax bill from our paid escrow account. We are now in delinquency with our county and default with the terms of our second mortgage. We received written notice from our county on that our tax lien would be sold on XX/XX/XXXX if not paid. We contacted Planet Home Lending and they advised us to fax the tax bill to their taxes department and they would pay the bill within 10 days. Today is the XXXX business day. We contacted Planet Home Lending and they advised us they have not paid the tax bill. They state there is a discrepancy in our tax bill and they have not paid it. They confirmed they received this same tax bill on XX/XX/XXXX and verified they did nothing to research or resolve this, instead let it go into default and delinquency. We advised this is the correct tax bill and advised them to pay the taxes. We advised them again that we are in delinquency with XXXX XXXX for the tax bill due to their inaction and failure to pay the tax bill from our paid escrow, and the tax lien for our home will be sold by XXXX XXXX on XX/XX/XXXX, which is XXXX business days beyond today. We advised them that we are in default with our second mortgage holder due Planet Home Lending 's inaction and failure to pay our tax bill from our paid escrow account with Planet Home Lending. They advised us they would send the concern back for research with no estimated date of completion. They have previously paid our home insurance. They are still collecting escrow in our monthly payments for taxes and home insurance. We have continued paying this escrow in good faith. They have over 2x 's the amount of our tax bill in escrow at this time. They are still declining to pay our tax bill. Because the county will sell our tax lien in XXXX business days, we must go pay our taxes and request reimbursement from Planet Lending with no promise of cooperation from them. This will require that we pursue legal matters against them, further costing us beyond the out of pocket tax bill on top of the penalties because it was not paid by Planet Home Lending upon their first notification of the tax bill over 5 months ago. Their inaction continues to cost us out of pocket expenses. They continue to take escrow from us without making payment or resolving their professed discrepancy with a tax bill that prior mortgage companies have paid for the last six years without issue. There is no issue with the tax bill. The county lists XXXX XXXX number of our triple lot at the top of the tax bill. The mortgage company purchased our loan with this already in place and did not question the county, the prior lender, or us to resolve if this was to affect their process to pay taxes as received. Instead they cost us penalties and exposed us to financial hardship, requiring us with their inaction, to protect our asset and investment in our home, to pay our tax bill while they continue to collect against us for taxes they are not paying. Their tax department declined to provide a physical address for documents to be overnighted and served. Another customer service representative from the loan department was able to locate a physical address for overnight and served documents.
|
| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This is a second complaint to follow up, as the feedback received, which is attached is incomplete and they requested additional information, as otherwise, without it, they are refusing to provide the legal protections afforded to us by CARES Act due to their mistake.
I send an email to the company today, to respond to their letter sent via my prior CFPB Complaint.
The company failed to record successfully the call on or about the XXXX of XXXX requesting that CARES Act forbearance be added to the account either effective XX/XX/2021 or XX/XX/2021. The Agent quickly said no problem and that a confirmation would be forth coming, etc.
My son, who I am the non-owner-occupied cosigner on, also listed his house to sell, given the financial impact being placed upon him due to COVID, was getting the house ready for listing and never paid attention to the confirmation. We listed and successfully sold his home ; however, I got a credit monitoring notification that a negative posting had happened to mine and his credit. Seeing it was the mortgage, KNOWING he had called and requested it, we immediately called to let them know of the mistake. They are refusing since they have no documentation of the call in their records to apply the CARES Act protections, since the loan is also paid in full.
The call was quick and it now makes sense as to why the call wasn't documented properly, etc. I have now provided the date of the call and once again requesting that CARES Act protections be applied to the account effective either XX/XX/2021 or XX/XX/2021, which would then update the credit account to current, as this loan in it's entire history has never been late, even prior to this servicer taking this on.
Lastly, to add insult to injury, I was never called and/or contacted about the delinquency in XXXX as had I been, we would have caught their mistake in the month of XXXX and it would have been an easy solution to fix for them and us. Yet, when I asked on one of the calls and many transfers, they said my number was not consented. Sure, it is a cell phone number, but they can call dialing with Agent intervention to let me know the loan was past due. Their process failure to call me, as most servicer do, using manual dialing to avoid TCPA violations, further makes this interesting, as one call would have prevented this mistake, that I only learned about via credit monitoring.
With this said, I once again, implore the company to provide the protections, that I am legally allowed to have, that are being continually denied me, due to their mistake in handling one call. Instead of doing the right thing, they are choosing to make this difficult since the loan is paid in full. I will continue to advocate Texas AG, Texas Senators and US Representatives that a company mistake, which happens, is not being resolved using the information provided, since this came to light discussed in calls and in emails to the company prior to filing the CFPB compliant and this follow up compliant.
I hope this resolves this matter before I notify the parties listed above and explore other available options.
Thanks!
XXXX XXXX
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| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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I am writing to communicate grievances and escalate events of negligence and error not corrected by Planet Home Lending dating back to XX/XX/XXXX.
In XX/XX/XXXX, XX/XX/XXXX and again in XXXX I called to correct payments not posted to my account. Each time I was asked to wait a number of days and call back. Now that my loan is no longer with Planet Lending, I CAN NOT wait. I need help getting this resolved immediately.
Here are the list of payments made to my loan ( from XXXX XXXX ). I have indicated which ones did not get posted to my loan with asterisks.
XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ***** XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXX PAY PLANET HOME LENDING ON-LINE ON XXXX {$2900.00} ***** XXXXXXXX XXXX PLANET HOME LENDING ON-LINE ON XXXX {$2900.00} ***** I've called about the payments on XX/XX/XXXX & XX/XX/XXXX a number of times. I learned that I made an error in my payment through XXXX XXXX. I had listed an incorrect loan number in the initial two payments. I listed loan number incorrectly- last two digits were in error, I corrected and notified them of that mistake.
I was told by Planet Home Lending that those payments were found and that it would take time to be corrected, post and be reflected on my loan. I last spoke to someone in XXXX at Planet about this. Till this date, the change has not made. The amount of stress, financial and mental that this is causing my family has mounted.
Now my loan has been bought out by XXXX XXXX and still, payments made have not posted to my account from the month of XXXX and XXXX last year. Moreover, XXXX additional auto payment was received by Planet Home Lending on XX/XX/XXXX and that too was not applied nor transferred to the new loan, as indicated in the letter I received about auto pay being transferred automatically. With this XXXX payment taken out of my bank and not applied ( literally XXXX ), it will now be three payments that I've made that have not been applied to my loan.
I've written to planet home lending- there last communication with me was on XX/XX/XXXX in writing indicating that will get back to me " within any timelines required by applicable law or regulations. '' It's not XX/XX/XXXX and I have no response from them.
To add to this frustration, now, perhaps due to this grievance reported or maybe unrelated, XXXX ( the company who bought out the loan ) has " reversed '' my payments they recorded and listed them as a " suspense balance '' with no reason as to why.
I am in need of help. Not sure what more to do. This is terribly stressful. Am I going to lose our home after making all the payments on time and making extra payments that they did not apply to my account, which I was forced to pay again just so I would not default. I am very very worried. Help is much appreciated.
XXXX ( Written with the help of my daughter-in-law )
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| 09/16/2015 |
No |
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- Loan modification,collection,foreclosure
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Web |
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Planet Home Lending is currently servicing my loan they got a transfer from XXXX XXXX. During the transfer I was in the final stages of a modification with XXXX XXXX. When XXXX transferred my loan, I was behind on my mortgage and the modification would put my past due payments to the back of the loan. There was some confusion about how much I was behind because I had paid Planet Home Lending my monthly payments before the loan was officially transferred over. XXXX XXXX said they transferred my loan XX/XX/XXXX and I began making payments to Planet home Lending XX/XX/XXXX. Planet Lending did not accurately access how much my loan was in the back because XXXX had told them 5 months but it was only supposed to be three. I am attaching XXXX XXXX response to a complaint filed here with the explanation of what they transferred to Planet home lending. I had escrow overage, {$2200.00} in a suspense account. Neither Planet Home Lending nor XXXX XXXX credited my account for the suspense amount which was in excess of XXXX mortgage payment. This was the first RESPA and CFPB violation. Second Planet Home Lending refused to honor the modification agreement with myself and XXXX, instead of picking up from the final stages they made me start over the process and calculated the incorrect amount in the process. This is another violation of RESPA and CFPB 's XX/XX/XXXX regulation which states that a mortgage servicer is supposed to honor the prior servicer 's modification, which Planet Home Lending failed. Third, Planet Home represented to me that I was not able to get credit from them for my escrow overage I had to get that from XXXX XXXX this was not true and I had to consistently call them for them to credit me some of my escrow overage. I have filed a complaint on Planet Home and XXXX XXXX and XXXX responded and I received additional information to substantiate my claim against Planet Home Lending which is why I am filing this second one. I am attaching all proof and information hereto. Planet Home Lending is being deceptive and not following guidelines and causing stress and hardship on homeowners and this must stop. Planet Home Lending instead of trying to fix the problem they continue to hound me for extra money. They have not given me the proper credits for my escrow and suspense accounts yet they want me to pay them more money. I do not trust them and I want them to do a full accounting to make sure they are not further taking more of my money wrongfully. I tried to pay my payment for XX/XX/XXXX while Planet Home investigates the accounting. They have refused and this refusal is going to cause me extra more problems in the future. If Planet Home Lending thinks its accounting is correct they should happily do this so that they could show they are not trying to hide anything. They have threatened to foreclose. I had an agreement with them to pay what they were claiming I owed and they still sent me a default letter which they claim has begun my 30 day notice of foreclosure. This company needs investigation into their deceptive practices.
|
| 10/05/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/XXXX - we were advised by our tax collector that our taxes were delinquent - Contacted Planet Home Lending and they advised that they will go ahead and correct XX/XX/XXXX received checks from the XXXX County Tax collector that my mortgage company was sending the wrong checks to with the checks being made out to the tax collector - received another delinquent tax notice in XXXX - Contact Planet Home Lending in XXXX and they advised to email them along with a copy of the checks and they will go ahead and get this resolved - Contacted our tax collector in XXXX and they confirmed that taxes were now paid.
XX/XX/XXXX We received notice from Planet Home Lending that our escrow account was now negative {$5000.00} and that our payments would be increasing by {$420.00} a month XX/XX/XXXX made regular monthly payment of {$1600.00} ( minus the negative escrow ) while we tried to straighten out the negative escrow issues with them XX/XX/XXXX s/w XXXX who explained that because of the checks that were sent out erroneously to the WRONG tax collector, that is why our escrow was in the negative. She opened an escrow dispute and stated that they just needed to cancel the checks that were sent out to the wrong tax collector and credit our escrow account back and that should resolve the negative amounts ( makes complete sense too ) and that I need to follow up again in about a week XX/XX/XXXX s/w XXXX who now waived the {$40.00} late fee and put a hold to stop the negative CBR reporting. He advised that request was still in process and follow up in a few days XX/XX/XXXX s/w XXXX and he advised that the XXXX late fee was being still resolved and to follow up on everything in a few days, and that he sees the XXXX payment that was made for XXXX XXXX s/w XXXX who said that the {$1600.00} was applied by my request to the negative escrow account and that point I absolutely said give me a XXXX manager and she proceeded to advise me that because I used profanity she was disconnecting the call ( Sorry but wouldn't you at this point ) XXXX s/w XXXX in the Tax Department XXXX XXXX ) and she could not make sense of anything that was going on and she transferred me to her manager XXXX - XXXX then advised me that it would take about a week since he had to open a ticket for my XXXX payment to be credited to my account but he wasn't sure how to help me on the negative escrow because what I was telling him just wasn't making sense he then transferred me to XXXX XXXX - the escalations supervisor Badge # XXXX - who refused to provide me with his manager 's information but told me that he will be calling me back at XXXX with some type of resolution but he couldn't seem to provide me with what that was. But he made sure to tell me to get some good sleep. Considering this has been going on since XXXX, I have little faith that this is going to be taken care of without me having to hire an attorney.
I can't even refinance with another company to just get away from them because this issue will just follow me to another company
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| 09/30/2019 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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Planet Home Lending LLC ( PHL ), located at XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, has consistently and inaccurately represented payment history ; knowing they failed to provide necessary notifications and despite repeated attempts to resolve issues regarding inaccuracies. Having no other option, since they will not correct ( or at least provide complete information ), selecting rather to report and maintain inaccuracies, negatively impacting our credit score, we are filing a complaint with the CFPB.
In or around XX/XX/2018, automatic debits were set up, by us, with PHL, to retrieve mortgage payments. Although PHL sent us confirmation showing that the automatic payment would be debited from our account for our next payment, for whatever reason, they did not retrieve the funds. Upon this realization, we contacted PHL, paid the amount in full, sent them the confirmation regarding the automatic debits, sent to us by them documenting their assertion that the draft was to be taken out. Nonetheless, they reported the payment as late.
The first CSR we spoke with indicated that the error was indeed theirs and stated that the records would be updated. However, that never occurred. Many subsequent calls later, they eventually stated they needed twenty-five ( 25 ) days to review the records and make an assessment. When we followed up with them, we were told for the first time, that it may have taken up to thirty days for the debit process to initiate- a factor never disclosed to us at any time. We petitioned for them to update our records, since we were never notified about that thirty day window and in fact were informed of quite the opposite, but that only resulted in a report to the credit bureaus.
While we are not arguing that the responsibility remains ours, it is a shady and sloppy company indeed, that receives its payment in full, after improperly informing a consumer of that company 's policy/procedures - one that could have a negative impact on the consumer, a consumer that has been with the company for over a decade, the company is notified of their inaccuracy, but then files that report with the Credit Bureaus anyway.
In addition, PHL also reported two payments as late in XX/XX/2018 and XX/XX/XXXX- neither was.
Consumers have very little power against corporations, and rely on them to have sound policies and practices- particularly when those corporations have the awesome responsibility of negatively impacting that consumer for seven years at a stretch. For the most part, many corporations seem to respect that responsibility, while others, like PHL, do not. PHL rather, has abused that power. My experience with them, even beyond this one, has shown them to be sloppy at best and negligent at worst. Further, even though they have a legal duty to correct inaccuracies, they have failed to do so.
This company 's practices and policies, should they exist, be investigated and they should be fined when they are found lacking.
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| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I refinanced by property at XXXX GXXXX XXXX XXXX XXXX Florida.
Once the loan was funded I received notification that the servicing company was going to be Planet Home Lending and I established automatic payments for the new mortgage payments to be taken from my bank account.
On XX/XX/XXXX, I received a letter from the bank saying that they were going to be switching servicing companies to XXXX XXXX XXXX XXXX XXXX ) effective XXXX XXXX.
On XX/XX/XXXX, i received a goodbye letter from Planet Home Lending saying the loan had been transferred back to themselves On XX/XX/XXXX i received a welcome package from XXXX stating that they were the new mortgage servicer and as a result I set up automatic payments out of my bank account with the new servicing company.
On XX/XX/XXXX, I called Planet Home lending to ensure that the loan had been transferred as I did not want to make double mortgage payments. I spoke with customer service and they made it clear to me that they were tho OFFICIAL servicer of the loan and that XXXX had no right to contact me and they said that I needed to continue to make my regular monthly payment to them or they would report a derrogatory on my credit report. I then called XXXX and reported the problem and they empantically stated in contradiction to Planet Home Lending that they were in fact the OFFICIAL loan servicer and they had document to prove it. They also suggested that if i did not pay them they would report it negatively on my credit report.
I have been forced to make double mortgage payments since XXXX. Neither company will contact the other to help resolve this issue. I have made contact with each of the respective companies in excess of 15 times to report the issue and both insist that they are the correct servicer. Meanwhile my bank account has been drained.
I am now broke. Neither company is wroking to resolve nor refund the excess payments and none are willing to resolve this issue.
I have spoken with the highest levels of management from both companies and they express to me that nothing can be done within their scopes of authority to fix the situation.
I need the government to step in an help resolve this and get my overpayments back.
i have been shuffled around like a deck of cards from one lame customer service agent to another. I honestly can not tell you who is worse ... .XXXX XXXX XXXX or Planet Home Lending. In my opinion they both are less that a 1 out of 10.
I am sure that there are laws in place that are supposed to prevent things like this from happening to a consumer. The long and short of it is that the companies hide behind their phone systems and emails and largely ignore the situation.
I recently was advised 2 days ago that Planet Home Lending was going to transfer the loan to XXXX on XX/XX/XXXX but they would not be refunding me my overpayment.
PLEASE HELP ME get my money back. This is not right!!!!
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| 05/10/2021 |
Yes |
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- Trouble during payment process
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Web |
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immediately after closing on our house, our mortgage was sold to a mortgage servicer ( Planet Home Lending, ) a year into paying our mortgage, PHL sent a letter w/ the mortgage statement saying that we needed to pay {$340.00} more than our mortgage payment because our escrow was short. We paid it & then the next month, we got the same letter w/ the statement asking for another {$340.00} for the same reason, we paid it. The next month the letter w/ the statement asked for {$290.00} over our normal payment. We paid it. The month after that, we received a letter stating that our new monthly payment would be {$1300.00} as opposed to our payment we normally paid which was {$1200.00}. Being that I was a XXXX XXXX XXXX myself, I caught the error, I could tell that when they were estimating the taxes, they looked at the previous year. The previous year the house was owned by an investor so the taxes were over double what we pay with our homestead exemption. I called them and spoke to customer service and explained what I believed had happened as well as sending them the actual tax bill for the current year showing much less than what their letter stated the taxes would be & they told me they would do an escrow analysis & get back to me. The responded that their analysis showed that they were correct & we would have to pay {$1300.00} from then on. Even though I still knew they were wrong, we went ahead and paid what they asked because we didn't have time to fight them over it. After over paying our mortgage for over a year, I finally had enough & I went through and created a spreadsheet showing their statements, our payments, the escrows etc ... my spreadsheet showed very clearly they were over charging. I sent it to the VP of finance. Within a month she sent us a letter stating : " At this time we are reviewing the loan to ensure a thorough response, upon completion of our research, we will respond to your inquiry within any timelines required by applicable law or regulation. '' That letter was dated XX/XX/XXXX and today is XX/XX/XXXX and we still have not heard from anyone. They did however drop our mortgage payment back down to where it originated and actually {$3.00} less, yet they follow that up by saying we'll have to pay {$45.00} more the month after that. Still no explanation, apology or reimbursement for the {$980.00} they over charged for the 1st 3 months they miscalculated our taxes/escrow or the {$84.00} a month they over charged for over a year. I tried to contact the VP that wrote the letter saying she'd look into it, she said I would have to contact customer service & customer service refused to speak to me. I tried calling them 3 times today & each time after being on hold for a while their end hung up on me. I have the spreadsheet, their letter and all our mortgage statements and escrow information available if you'd like to seem them. Thank you for your time.
|
| 09/07/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
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Web |
Servicemember |
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My husband and I are divorcing and, as such, have mediated separation of property to our mutual agreement, including a home we purchased with a VA loan that ultimately was given to Planet Home Lending , LLC to service.
My husband initially applied for a loan assumption in XXXX XXXX XXXX and since then has received additional document requests from the lender. While this is expected, the documents included requests for a " letter of explanation '' for variations of his name, i.e. explaining " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( he is XXXX and has four given names that have been used in given combinations by financial organizations or lenders prior ), documentation he has already previously provided, and documents such as " verification of rental '' after clarifying to the requestor that he has owned homes and has not rented in the last 12 years.
As we are both veterans, he is requesting to substitute my VA Loan eligibility with his own ; unfortunately, it has become clear during calls to customer service and through emails from the lender that they have dated or outright inaccurate information regarding the VA loan process. This has become clear when on three separate occasions from XXXX to XX/XX/2023, we were told : a., he does not have the required entitlement ( he does, and has no limitations or caps on his eligibility according to his XXXX ), that we, not the lender, are responsible for submitting documents to the VA to substitute eligibility ( according to the VA lender 's guidebook, this is to be done by the lender ), that we would not need to provide a quitclaim deed ( this is one of five items requested by the VA to process Substitution of Eligibility requests ) and that he or I would need to provide our certificates of eligibility ( again, VA guidance indicates the lender should request this document directly ).
I have submitted a complaint to the company and personally talked with customer service at least three times, as no direct contact information for an assigned loan processor has been provided to us and we are afforded no other option for updates, questions, or concerns.
Ultimately, we expected the process to take at least six months in line with reported timelines for assumption, we expected a series of requests for necessary documents, but it is our concern that Planet Home Lending is intentionally making the assumption process more difficult or generating additional requirements unnecessary to make their application determination to pressure us into a refinance or other more lucrative option. We have not received any indication of an application determination or pre-approval to date despite being six months into the process. Further, their apparent misunderstanding or misinterpretation of VA guidelines not only complicates the process for us, but potentially for other veterans who may follow us in their own assumption process.
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| 06/23/2023 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due Hurricane Ian XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.
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| 06/23/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due XXXX XXXX XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.
|
| 08/11/2020 |
Yes |
|
- Trouble during payment process
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Web |
Servicemember |
|
I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran who currently has a VA Fixed Mortgage which is serviced by Planet Home Lending. This complaint is with Planet Home Lending 's handling of the escrow account which is a part of this mortgage.
On XX/XX/XXXX an escrow analysis was conducted which showed an estimated shortage of {$1200.00}, resulting in a {$100.00} expected increase in monthly payments to cover the shortage set to begin XX/XX/XXXX. This shortage amount was calculated based off the estimate that the remaining property taxes owed for the year were in the amount of {$3400.00}, when in fact the remainder due at the time of the escrow analysis was only {$2300.00}, resulting in an over calculation of {$1100.00} on the part of Planet Home Lending. ( Sect B, Item 2 of Escrow Analysis Statement ) Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX ( according to escrow analysis done on XX/XX/XXXX ), when in reality according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00}, the difference being {$1100.00}. ( Table 2 of Escrow Analysis Statement ) This over-calculation resulted in the miscalculation of future escrow requirements which is the main reason for this complaint. I will attach the escrow analysis statement and the current county tax record reflecting all of these figures, and showing the obvious miscalculation. Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX However, according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00} the difference being {$1100.00}. ( Mortgage Statement for XX/XX/XXXX ) I attempted to contact Planet Home Lending to resolve this issue and after waiting on hold for an hour I was connected with a Customer Service Representative who could not comprehend what I have explained in the above paragraph.
In addition to the issues above, a {$110.00} late fee has been charged to my county tax account for the late payment of my taxes. Taxes for XXXX County, OH are due XX/XX/XXXX for the second half of the previous year. According to Planet Home Lending 's records, a payment of {$2300.00} was issued out of my escrow account on XX/XX/XXXX. According to the county records the payment was not posted to my tax account until XX/XX/XXXX. I do have recourse I can take with the county in order to have this fee waived, but in order to have the fee waived I need Planet Home Lending to prove the funds were received by the county before the due date. I attempted to communicate this to the Customer Service Representative I spoke with, but was told repeatedly that it was between me and the county tax office and that Planet Home Lending could do nothing to assist me with it.
Any assistance the CFPB can offer with this is greatly appreciated.
|
| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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TO : XXXX XXXX XXXX & Planet Home Lending LLCCC : ConsumerFinancial Protection Board RE : XXXX # XXXX / Planet Home Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBorrowerName : XXXX XXXX XXXX I refinanced my Chase mortgage with XXXX XXXX.At the time of signing my loan docs, I set up auto pay with XXXX from my Chasechecking account.As my first payment ( XX/XX/XXXX ) got near I contacted XXXX to find out if the Auto Pay was set up so I would not have to mail in a check.After many attempts, I was assured it would be fine but come XX/XX/XXXX the payment was not withdrawn.I immediately contacted XXXX and they said it was fine. It would just take a few days to show up in my bankaccount.I again contacted XXXX who said not to worry, just be patient, it will clear.Finally, on XX/XX/XXXX the auto pay hit my XXXX account for {$2900.00} ( ID # XXXX ) and I figured- ok, they finally got it right - problem solved.
WRONG - problem just begun.
On XX/XX/XXXX I got a letter from XXXX XXXX : NOTICE OF SERVICING TRANSFER - The letter was dated XX/XX/XXXX! and informed me to send all payments due on XX/XX/XXXX and after to Planet Home Lending - this is some 2 weeks AFTER my payment was due and obviously after it was PAID.The letter also stated XXXX will stop accepting payments after XX/XX/XXXX ( a lie, XXXX XXXX did an ACH debit on XX/XX/XXXX as noted above ) .The letter went on to say " if your payments are automaticallydeducted from your checking account, XXXX will discontinue this service as of XX/XX/XXXX '' - again a LIE, they did charge me and again this letter was written a week+ after this deadline.
As for the folks at Planet Home Lending, they are no better, perhap worse.They sent me a letter ( to the wrong address ) dated XX/XX/XXXX ( from CT!! ) " IMPORTANTLEGAL NOTICE '' that as of XX/XX/XXXX XXXX be transferred to Planet Home lending - Again the transfer was WEEKS ago!
I called XXXX on XX/XX/XXXX and first corrected their mistaken mailing address. Then I asked about the status of the XXXX payment- they showed no payment made and that I would have to contact XXXX. They could not help, had no records etc. The rep I spoke to struggled to speak English and could see nothing in my file.
I did send in the auto payform to Planet yesterday but I have little faith they will receiveand process it in time for my XXXX payment AND since they are unaware of my XXXX payment having been made- they will likely incorrectly apply it to my XXXX balance and try to charge me a late fee.
I am filing this complaint with the CFPB as I have zero faith that either of these entities, XXXX or Planet, will correct all of theircompounding failings.
Please respond ASAP, before we reach XXXX and it gets even more screwed up.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
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| 03/02/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Due to COVID Pandemic I applied for a forbearance to assist through the difficult time period off the shutdown and loss of a loved ones, Planet Home Lending , LLC. ( PHL ) was very helpful during this difficult moment, lead me to believe the help was to review the account and continued to verify my hardship with assistance from Texas Homeowner Assistance Fund program, and the Veterans Affairs Loans Servicing Department.
To my dismay, PHL agents contacted me and asked me to contact TX Homeowner Assistance Fund ( STATE ) program for the assistance to help with the payments that accumulated over the time of the forbearance, as well as contact the VA loan technician assigned to my mortgage because PHL wasn't able to get any response to move forward with the partial claim being processed.
Upon the initial contact with the technician there was delays due to high volume of cases during the pandemic and the VA had been back logged for a longtime, per my conversation with the agents at TX HAF ( STATE ) program they were having a difficult time getting the necessary information needed to continue the process to assist and aide me through my time of need, and would email me asking for updated information PHL had failed to produce/provide to move forward with the process and the approval forward.
I received a call XX/XX/XXXX from PHL stating that they received a lump sum pending on my account and I didn't have to make payments for few months or to the beginning of the new year, when asked was the payment sent from TX HAF program the agent wasn't able to identify all the pertinent information at that time... could only verify payment pending, I later found out that the payment came from TX HAF not VA per Loan Tech XXXX XXXX XXXX, stated that the VA doesn't send monies to the mortgage company ( XXXX ).
This caused major concerns/ problems because PHL appeared to be waiting in the shadows for whichever opportunity that best suited their agenda leaving me having to get ready more difficult days ahead due to PHL issuing a statement of them returning the amount {$24000.00} that went from pending XX/XX/XXXX to posted XX/XX/XXXX, but the overall disappointment from PHL is the fact they've stated that the information given at the time was misinterpreted/misinformation delivery and then proceeded to apologize for the mix up, stating that the actual order of their process was the partial claim that became the initial payment accepted from the VA for the previous forbearance that was on file dated XX/XX/XXXX.
PHL stated that the funds from TX HAF program would have to be returned to the State, regrettably that has not been case, nor has there been any returned or received funds per the TX HAF ( STATE ).
Truly... Respectfully, Best regards to this matter!
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| 05/12/2023 |
Yes |
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- Trouble during payment process
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Web |
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Planet Home Lending began servicing our mortgage in XX/XX/XXXX. The company offered budget payments ( bimonthly ). This seemed like a good idea since it would provide us more funds at the beginning of the month. In XX/XX/XXXX, the company mailed me a letter with the form to complete. On XX/XX/XXXX, I faxed the completed form and voided check to the company from the local XXXX store. The letter dated XX/XX/XXXX stated that I would be notified of the date the budget payment plan would take effect. The letter did state that the mortgage must be current, which it was, and to include a payment with the budget drafting setup form. I paid the XX/XX/XXXX payment online as I always do. It was withdrawn from our checking account on XX/XX/XXXX. Since the mortgage was current ( and has always been ) and the XXXX payment made, I awaited a letter to inform me of the effective date.
On XX/XX/XXXX, I went to the store to purchase groceries and my account was overdrawn due to a {$1100.00} withdrawal from Planet Home Lending. I had not received notification that the withdrawal was to begin. I received two letters in the mail on Friday, XX/XX/XXXX, from Planet Home Lending notifying us that the payment would be drafted on XX/XX/XXXX in the amount of {$1100.00}. I called the mortgage company because this would result in them receiving TWO full payments in XXXX to the tune of over {$4400.00}. They said I should seen this information in the application provided. The application did not contain any information that the budget program would start immediately and take a full mortgage payment out after you had already made a mortgage payment that month. The representative said that payments are scheduled ahead of time every 14 days and drafted on XXXX. She would not refund the amount withdrawn. Before I completed and returned the budget pay forms, I read the information they provided and even checked their website for more information about how the program would work. There was no information provided. This is unbelievable that a mortgage servicing company can do this to people. Luckily, it will not bankrupt us, but it does cause a hardship when I make two mortgage payments in one month without my consent and without the company informing me.
The letter received on XX/XX/XXXX to inform me that the draft would start on XX/XX/XXXX was dated XX/XX/XXXX. It was mailed on XX/XX/XXXX as is evidenced by the XXXX XXXX meter stamp. I have all the documents including the original form I completed and faxed to Planet Home Lending, the XX/XX/XXXX letter, the XXXX XX/XX/XXXX letters along with the envelope that is postmarked. Also, I have Informed Delivery from the USPS. I have saved and printed the email showing the arrival of the two letters from Planet Home Lending today.
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| 09/19/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I am coapplicant with exhusband on a home loan that we had obtained when we were married. There has never been a payment missed since we had the loan in 2008. My exhusband fiked bankrupcy an upon my notification of the bankruptcy Planet home lending would not take a payment from me nor allow me to make payments online or via phone automated systems. Planet wouldnt even send me a statement. I spoke to bankruptcy department many times an was advised that because they received notification of bankruptcy that I needed to talk to my lawyer in ref the account because they couldnt. After multiple failed attempts I finally got a hold of a mortgage counselor who was able to help me an apologized for what i was being told by other representatives. I was able to finally make payments an get account up to date. I was told by the mortgage counselor that i should not get a late payment an if i do to call back an they would submit to remove it. When I called back inwas told that if inwould have made the payment 2 days earlier it would not have reflected as late, but as i explained ine i couldnt an 2 i had to physically speak to someone to do it an they were closed on weekend an the XXXX fell on a Sunday.But Planet home lending still reported on my credit report as being late for the month of XXXX and XXXX when it shouldnt have because if i have no way to make a payment because they are closed an my due date falls on a Sunday they cant mark it as late because i couldnt use automated system it had to be with live representative.I am XXXX XXXX military an this late payment not only affects my security clearance but it also it affects my borrowing ability. I have never missed a payment ever an this one was clearly an error caused by the confusion of my exhusbands chapter XXXX bankruptcy. I contacted Planet hone lending an asked to speak with supervisor an was told that one would call me but never did. I also spoke with a rep an they said planet home lendings credit department stated that planet home lending did nothing wrong. I am not trying to say planet home lending is a bad company because they are not an they have taken care if me as a customer an thats why I have stayed with them for so many years. I just think that this was bad miscommunication due to the confusion of the bankruptcy an XXXX people being on loan where one did not file bankruptcy is complicated an I just hope an pray that planet home lending will continue to take care of me by fixing this critical error that could cause me my XXXX year career as an XXXX. I have reached out for a member of coporate to contact me via telephone annthey have not. I got a letter in mail but it does not include all details ... XXXX they left out calls to mortgage counselor an bankruptcy department.
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| 06/23/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : Planets investigation revealed that you initially submitted an online portal inquiry on XX/XX/XXXX. The submission was partially completed, however, did not indicate whether the disaster hardship was resolved or ongoing. Planet issued both acknowledgement and missing items letters ( enclosed ) on that same date. To proceed with a Disaster Modification, Planet must verify that the hardship was resolved, the borrower returned to work and with no negative long-term change in the household income occurring. Despite numerous attempts, we did not receive the required information. Therefore, on XX/XX/XXXX, a loss mitigation denial letter ( enclosed ) was issued.
My Response : The M26-4 5.06 ( 3 ) states The event, or circumstances that caused the default has been, or will be resolved, and is not expected to re-occur, so is Planet Home Lending seriously trying to say you were unsure if the hurricane had dissipated 3 months later?
Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : On XX/XX/XXXX, upon receipt of an online request from you, you were approved for an extension of the COVID-19 forbearance plan, which was good through XX/XX/XXXX. As an additional courtesy, Planet backdated the forbearance plan to XX/XX/XXXX, waived your late fees and ensured no negative credit reporting was furnished to the three major agencies pursuant to the CARES Act while you were on a forbearance. Therefore, you were provided with a COVID-19 forbearance plan for a total of 18 months, which is the maximum number permitted by the VA for loans with a COVID-19 hardship on or prior to XX/XX/XXXX.
My Response : 1. The company has in effect detailed another violation of the CARES ACT and VA Circular 26-21-04, as neither imply or expressly provide a mortgage servicer the authority to retroactively apply/backdate the application of a CARES ACT COVID-19 forbearance.
2. The document provided by the company on XX/XX/XXXX allowing a one month extension of forbearance makes no mention of a retroactive/backdated forbearance. See forbearanceml.pdf.
3. Whatever they do regarding the forbearance has to be requested by me per the CARES ACT and VA Circular 26-21-04. I never requested they retroactively apply the two months of remaining eligibility. It makes no sense. Why not apply it for XXXX and XXXX? Whatever alleged benefit ( lates fees and credit bureau reporting ) would of applied to XXXX and XXXX.
Ive called and emailed regarding the name, address, and phone number of the owner of my mortgage to no avail. Please provide the previously mentioned information for the owner of my mortgage.
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| 06/27/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XXXX of XXXXXXXX the state of Florida was hit with hurricane Irma. The state was declared a natural disaster. My husband and I contacted our mortgage company Planet Home Lending and they advised that we could have our loan modified due to this disaster. We advised Planet Home Lending that we had expenses associated with the hurricane, for example we had no power for over 3 weeks, we had some property damage that did not meet up to the insurance deductible. We were approved for a trial modification after the mortgage company instructed, we need not pay for 4 months. We paid the amount through the trial period and we were finally approved for the final modification. A title search was done, and Planet Home Lending indicated that there was a lis pendens filed by our homeowners association for a {$58.00} per quarter assessment. We informed Planet that we were in litigation with the association because the claim of lien and lis pendens were both fraudulently filed as we paid the assessment. We were advised by Planet Home Lending to continue to pay the trial amount while litigation was pending. In XXXX of XXXX Planet advised us that they could not wait for the title to be cleared up, so our modification was denied citing cloud on title as the reason. Subsequently, our credit was reported as delinquent for more than 90 days and our credit score plummeted by almost 100 points. The denial letter advised we could appeal the denial in writing. in addition, Planet refused to accept any further mortgage payments from us. I did the appeal of the modification in XXXX of XXXX. Planet advised that I needed to resubmit a borrowers assistance package and bank statements. We did as request. Planet Home Lending would call at least 3 times a week requesting extra documents, we complied with the request within 24-48 hours each time. On XX/XX/XXXX at XXXX Planet Home Lending advised us that our mitigation package was complete and is with underwriting and we should receive an answer within 30 days. On XX/XX/XXXX one day after we were told they had the modification in process we were served with foreclosure documents. I contacted Planet Home Lending on XX/XX/XXXX at XXXX wanting an answer as to why we were receiving foreclosure documents when we were in constant contact with them, in modification and not just a new modification, an appeal of the modification request from XXXX. It is our belief that Planet Home Lending deceived us and treated us unfairly. In addition, I believe Planet is in violation of Regulation X, wherein we were in active modification process and then a foreclosure was filed. We need some assistance and guidance. Our credit score is damaged, and we could lose our home. I am attaching a copy of the Modification denial.
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| 05/07/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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The problem I am having is based off of three things : flood insurance for my home ; the type of loan I am in ; and the changing of mortgage companies.
When I purchased my flood insurance in XXXX of XXXX, my Mortgage company ( at the time ) was well aware that I was going into an FHA loan. One step further, this Mortgage company even helped me acquire my current flood insurance. It was vital that we get the lowest flood insurance possible ; as it was an added expense we could barely afford.
Then, in XXXX of XXXX our mortgage was bought out by Planet Home Lending. I received a letter in XXXX saying that Planet Home Lending had acquired our mortgage and FDPA requires flood insurance for any property in a flood zone ; BUT Planet Home Lending deemed my current flood insurance : expired, cancelled, or unacceptable. Also, stating that their policy demands an NFIP loan, and quoting me at {$2000.00} ANNUALLY ; when my current flood insurance is {$800.00} ANNUALLY, through the original Mortgage company.
My discretion is : My loan was sold with very noticeable underwriting guidelines for purchasers to view. Purchasers or buyers are supposed to cross-reference their policies with the current contracts that home-owners are bound to.
It is clear to me that this did not happen when Planet Home lending bought out our Mortgage from our original Mortgage Company. The criteria in our underwriting was different from Planet Home Lending 's policies, yet they still bought/accepted our mortgage agreement.
OK, so this is fine, however do not force me into buying a brand new flood insurance that I can not afford.
So in XXXX, I did contact my insurance agent as I knew something was not right with this new relationship. I informed my agent that I was not quite sure what was going on, since I already had insurance purchased through him ; backed by our Originsl Mortgage Company. My insurance agent then reached out and provided me with Planet Home Lending 's policy, and it appeared that everything was fine.
I received another letter on XX/XX/XXXX ; and another on XXXX, XXXX XXXX. The letters continued to express that I wasn't covered and that I needed to purchase new Flood Insurance coverage, even though I was already in a contract with current Flood Insurance.
I do understand that Planet Home Lending has their own policies, and I do understand that mortgages are often bought out. However, I think it is completely unfair to me ; as purchasing a new insurance will surely put me into financial harm.
I did not do anything wrong ... Planet Home Lending should own up to their own mistake of buying a mortgage whose terms they did not agree to.
Thanks.
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| 09/12/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Planet home lending was my loan servicer they foreclosed on my property even though they had my modification application in hand and even though I was sick with the coronavirus while on the phone with them in the last few days of before the Foreclosure they still would not give me any extension for the sale date and I ended up getting the law librarian sick because of my selfishness and wanting to keep my home I was in there trying to learn the law to save my house she was very sick for many months and still probably has not forgiven me because I don't have any help from the law library anymore. On the Foreclosure sale date I was there at the location where they said the foreclosures auction was going to be and there was absolutely no auction at all in any sense. Even though there was no auction they said there was one and even though it was supposed to be a free competitive auction the VA put a stipulation saying that the loan service can only bid so much, which makes it not a free and competitive auction. So I then contacted the VA to explain that the Foreclosure had gone through and when I informed my VA loan technician XXXX XXXX that it was now time for me to start making payments to them directly like he had explained to me was going to happen they told me that they could have done that but they couldn't get a hold of me so now it's too late even though the auction was just yesterday and it's a done deal sorry there goes your house that you worked the last 15 years almost on and put every XXXX of your XXXX into ( by the way the XXXX comes from combat ). After a very long time of arguing with several different people in the VA loan technician 's office the boss finally admitted that I was told that by the person but that that person didn't know what they were talking about and there's no way they could do that kind of thing unless the house has some a lot of value to it and mine did and mine fit the description a home that is eligible to be what is called refunded by the VA. So end result VA has some middleman company hiring an eviction company to get me evicted I explained to that eviction company that my rights are in place my rights are called redemption period Rights and they pretend to have never heard of these kinds of things so they went and after many many lies convincing the court that they tried to notify me of different events was able to get a court date for an eviction without me being notified. The eviction company 's name is XXXX XXXX XXXXXXXX. I doubt anything I say at this point matters because it's proven on so many occasions that I can do everything right somebody's going to XXXX smack me down. My number is XXXX
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| 04/28/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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The last several months have been a terrible experience with Planet Home Lending.
I previously elected not to receive paper copies of monthly mortgage statements and set up automatic monthly payments with my bank. As a result of not receiving monthly hard copies of mortgage bills, I did not know that my escrow charges had gone up sometime in XXXX. When I found out in XXXX, XXXX, from Planet Home Lending that my payments were short due to an increase in escrow requirements, I called them and was told the shortage amount was {$190.00}, which I IMMEDIATELY PAID ; they cashed the check XXXX XXXX, XXXX.
During that phone call, I explained that Planet Home Lending did not notify me of the required escrow increase via mail or email and, furthermore, did not contact me via phone, so I was unaware of any required payment increase. As a result of that conversation, I was told by the Planet Home Lending customer service representative that late fees would be removed from my account. This did not happen.
The next month, my XXXX. XXXX, XXXX statement arrived with a late charge of {$60.00}. So, again, I called and their representative told me she would request it be removed. Again, that didn't happen and my XXXX statement arrived with the late fee still noted on my payment requirement.
I called Planet Home Lending, XXXX. XXXX, XXXX, and once again had to explain the circumstances to their representative ( this was the third time ), including informing the representative of the commitments from previous representatives to remove the late fee. After being put on hold three times with this representative, named XXXX, ( presumably so she could talk with a higher-level supervisor ) she came back onto the phone call and told me that I would just have to pay the late fee.
Therefore, rather than deal with them any longer, I sent Planet Home Lending a check for the {$60.00} late fee simply because I did not want any late indications on my account ( I value my credit and take pride in meeting my financial commitments ).
My complaint is that they are charging me ANY late fees at all since they never notified me of an required increase in monthly payments. My view is that not notifying someone of a required payment increase and then charging them late fees is a predatory lending practice and one that may even be grounds for a class action lawsuit.
I have since requested paper copies of monthly mortgage statements be mailed to me so that I avoid not being notified by them in the future. However, I should not have had to pay their late fees when they failed to notify me by phone, mail or email of a required payment increase in the first place.
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| 12/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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In late XXXX, requested loan to be put onto COVID CARES Act forbearance effective XX/XX/2021 due to financial impact in our household. As we were going to and had listed to the home for sale. We get notified in early XXXX of the account being reported late. Assuming this was an error or a delay in COVID processing, we called, restated that we were impacted and that we had also sold the home. They requested us to email them, which we did on XX/XX/2021.
They are refusing to update the account to properly provide this account via the CARES Act protections, as now our account is fully paid and they do not want to backdate the protections and then update our credit reporting properly, as required by law.
Here is a copy of my email to them on XX/XX/2021 also documenting my call on XX/XX/2021, since there is no documentation of my call in XXXX with them.
XXXX XXXX : XXXX XX/XX/2021 - file completion XXXX Hi, I am writing after my phone call on XX/XX/2021 regarding my account and the credit delinquencies that are showing on our ( borrower and co-borrower ) credit with all three reporting agencies.
As discussed, I, XXXX XXXX, the primary Borrower became financially impacted due to XXXX. This lead to a decision to list and sale the house, which closed on XX/XX/2021. However, when I called previously in XXXX, to let you know I had been financially impacted by XXXX, I also stopped my autopay payments, as I understood my account would be set up effective either XX/XX/2021 or XX/XX/2021 on a COVID CARES Act forbearance. This allowed me to retain the funds to do small repairs, etc. to list and ultimately sale my house, while going through this pandemic impacting my financial resources.
Come to find out, both myself and my co-signer, who is also my father, XXXX XXXX XXXX, have had a 30 day roll reported, which drove me to call in on XX/XX/2021. Therefore, as requested, I am emailing to request that my account be setup on CARES Act effective XX/XX/2021 to remove the credit delinquencies from our credit reports, especially since my home closed on XX/XX/2021, and to report our loan current for all months.
Your firm has always been great to work with and I am sure this is just an incidental oversight, given the impact the COVID pandemic has had on our world and those like us, struggling to get beyond this pandemic, driving unprecedented volumes into your call centers.
Thank you for all youve done to service my loan and thank you in advance for getting our credit back to current to reduce a new 7 year impact on our credit at time, when financial stress is already high.
Please let us know if you have any additional questions.
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| 12/01/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Early in the year I refinanced my home. I was advised that the mortgage was sold to XXXX XXXX XXXX ( XXXX ) and the first payment was due XX/XX/XXXX. XXXX purchased from original company, XXXX XXXX. XXXX before any pymts. were due. On XX/XX/XXXX I made a pymt. online to XXXX for {$1600.00} for the XX/XX/XXXX due date.
Immediately, I called a Rep with XXXX named XXXX and asked that the pymt. be backed out. He said he could do this as it had not posted. HE DID NOT BACK THE PYMT. OUT.
See copy marked # 1, my XXXX XXXXXX/XX/XXXX stmt. indicating a pymt. was made to XXXX on XX/XX/XXXX. See item marked # 2, notice from XX/XX/XXXX that effective XX/XX/XXXX the servicing loan is being transferred to Planet Home Lending , LLC. I will add that this notice is dated XX/XX/XXXX, however, I did not receive it until after I had made the payment to XX/XX/XXXX.
THIS IS THE PROBLEM and the REASON FOR MY COMPLAINT : I have been communicating with Planet every month as they have yet to credit me with the {$1600.00} payment that was made for the XX/XX/XXXX due date. On XXXX I spoke to XXXX and she told me it takes 60 days for lender to transfer and there will be no late charges assessed to me. On XXXX I spoke to XXXX and he told me it should ( the pymt. ) show up after the XXXX of the month. On XX/XX/XXXX I spoke to XXXX and she indicated the record indicates {$1500.00} unapplied, {$150.00} short of pymt of {$1600.00}. She referred me to XXXX XXXX, Mitigation Team Lead - See # 3. I never heard back from XXXX XXXX after that last e-mail. On XX/XX/XXXX I spoke to XXXX, she checked with a Spvsr and was told they are still researching. On XXXX spoke to XXXX in Customer Service, employee ID XXXX, he said everything should be resolved. A file was opened XX/XX/XXXX. BY THE WAY, NO LATE FEES ARE BEING ASSESSED. On XX/XX/XXXX see # 4 and the response # 5. I discovered the first of XXXX that Planet had reported me 30 days late on payments to the Credit Bureau which has resulted in lowering my credit score. On XX/XX/XXXX spoke to XXXX XXXX of Planet and she advised that a task was issued to resolve the credit bureau issue ( still going on ). I told her I would pay the difference of {$150.00} just to resolve everything if they would fix the report to the credit bureau and credit the payment they owe me and put it in writing. She told me to e-mail Customer Service with my request -- See # 6. See # 7, this is the response to my e-mail to Customer Service and # 8 is the report I downloaded from XXXX XXXX.
I believe I have been more than patient and just do not know where to turn for HELP!!!
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| 07/11/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/XXXX, I applied for assistance via our mortgage company, Planet Home Lending. Between XXXX, I provided them with all of the documents they requested. On XX/XX/XXXX, our application was marked completed and we were told it would take XXXX days for us to receive a response. On XX/XX/XXXX, I contacted Planet Home Lending via phone and was advised it could take up to 60 days to receive a response. On XX/XX/XXXX, we received a letter from Planet Home Lending via mail. The letter stated that we would be in a repayment plan starting XX/XX/XXXX. The wording on their letter isn't clear, and I've asked for clarification. On XX/XX/XXXX and XXXX, I was told that a request would be submitted to correct our late reporting to current. On XX/XX/XXXX, I sent an email asking for clarification. I received an automated email that it could take up to 5 business days and would be forwarded to the correct department. I decided to call instead and I spoke with XXXX different people and was all advised that I should've made payments on time, my credit will show as late, and there's nothing that can be done. On XX/XX/XXXX, I contacted again because a fourth month was marked as late on our credit report. Again, I was transferred around until I spoke with XXXX in customer service who politely explained our repayment plan in detail including terms and conditions that weren't clearly and properly explained to us. Planet Home Lending 's repayment plan doesn't provide us protection against late payments and our payments will reflect as late for XXXX months, dinging our credit reports up to 50 points each month. Once the repayment plan ends then, our payments will reflect on time. No additional support was provided except for us to pay {$9600.00} which is impossible to do. Had we known this would've been the case, we could've paid the XXXX months back mortgage payments in XXXX when I received my father 's life insurance check. There is no direct line to reach our migration specialist and I've only spoken to her once and that's when I called to complain. XXXX was rude, not empathic, and horrible to deal with. Our loan was sold to this company last year and until we needed assistance, we'd never had any issues with them. I wish our loan had never been sold. How this company is still in business is beyond me. They hid behind unclear wording and do not properly communicate. I've only spoken with XXXX agents that went above and beyond. As soon as we can build our credit back up and are eligible to refinance, we will be going with our XXXX XXXX.
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| 04/10/2018 |
Yes |
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- Trouble during payment process
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Web |
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Planet Home Lending disables the ability to make a payment online when your over 30 days late. I have tried to contact them to make payment arrangements but they refuse to accept my XX/XX/XXXX payment without setting up a payment for XX/XX/XXXX which I understand is due, however, it's not even past my grace period for a late fee. I've tried several times to talk to their Loan Counseling department without any success. I finally gave in & agreed to a payment plan ( TOLD THEM SEVERAL TIMES, I DID NOT WANT ANY TYPE OF MOD, PAYMENT PLAN OR ANYTHING SIMILAR ) which is spreading my XX/XX/XXXX payment over 3 months, thus giving me a monthly payment for the next 3 months in the amount of {$3300.00}, which is {$820.00} EXTRA per month for the next 3 months ( and will still be reporting to my credit as being 30-59 days delinquent ) when I'm already struggling to make my regular {$2400.00} payment, so we know how this is going to end. My $ XXXX monthly payment includes {$350.00} extra for escrow arrears which should have ended already but they're still charging me the same amount. I asked to speak to a manager, thinking maybe they'd be more knowledgeable and helpful but the representative ( XXXX, employee ID # XXXX in Connecticut ) stated her supervisor was at lunch & the supervisor in Florida was not available, she did offer to have someone call me back, which I'm still waiting for.
I fell behind on my mortgage payment due to having emergency XXXX in XX/XX/XXXX and having to on temporary leave from my job. I've been trying to make my XX/XX/XXXX payment which is over 30 days past due, but, have not been able to make it due to Planet Home Lending refusing to take my XX/XX/XXXX payment unless I schedule my XX/XX/XXXX payment as well. I told them I have plans to make my XX/XX/XXXX payment XX/XX/XXXX but did not want to schedule because I want to make sure the funds are actually in my account on that day as I have fallen behind on other bills.
Planet Home Lending does not make it easy for borrowers to make their payments. Their system is always down, my account is almost always locked & if you try to call them their representatives are always " assisting other customers ''. I need Planet Home Lending to complete an escrow analysis on my account so that the extra {$350.00} " arrears '' can be removed from my required monthly payment.
I can not wait until I'm able to refinance to leave Planet Home Lending as it is the WORST mortgage company to have your mortgage serviced by.
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| 01/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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1. we financed an investment property through Sprout mortgage.
2. XXXX we closed on the property : {$1400.00} monthly principal & interest {$280.00} monthly escrow ( this is for flood insurance only ) {$1600.00} is our total monthly payment *hazard insurance and taxes are not included in the mortgage payment 3. XXXX a letter was sent from Planet Home Lending stating they have bought our mortgage from XXXX.
4. when the letter was received I created an account for Planet Home Lending and saw they are charging us {$2700.00} per month.
5. XXXX the mortgage invoice was sent from Planet Home Lending showing our amount due XXXX is now {$2700.00} ( XXXX for home owner insurance + XXXX for taxes= these are NOT in escrow we are paying them out of pocket ) + XXXX for flood insurance ( this is in escrow ) 6. XXXX the annual escrow account disclosure statement was also sent now stating we have a shortage of {$2000.00} in the escrow account. That we owe an additional {$280.00} per month for the escrow shortage.
THE HOME OWNER INSURANCE AND TAXES ARE NOT IN ESCROW AS STATED IN OUR CLOSING DISCLOSURE Contacts with Planet Home Lending : XXXX sent an email to Planet Home Lending asking them to correct the error on our mortgage.
XXXX spoke to XXXX who transferred me to the tax division of the company XXXX spoke to the tax division when transferred me back to customer service where I was on old for over 15 min and had to hang up because no one ever came on the line.
XXXX spoke to XXXX in customer service who advised me not to make a payment she sent the account over for review.
XXXX mailed a letter to Planet Home Lending showing our closing disclosure stating that only the FLOOD INSURANCE IS TO BE IN ESCROW XXXX spoke to XXXX in customer service who advised me there are notes in my file about the account being under review. He told me to call back.
XXXX received an email from Plant Home Lending stating that analysis was done and we owe more money due to an escrow shortage.
XXXX sent another email again to Planet Home Lending stating that XXXX + XXXX for taxes and homeowners insurance are NOT TO BE INCLUDED IN ESCROW.
XXXX received an email back that Planet Home lending that my complaint was received and would be responded back to by RESPA guidelines.
I NEED TO SEND A MORTGAGE PAYMENT FOR THE CORRECT AMOUNT THAT WE SIGNED THE CONTRACT FOR WHEN WE PURCHASED THE HOME OF {$1600.00} PER MONTH. NOT THE FRADULANT AMOUNT PLANET HOME LENDING IS TRYING TO CHARGE US.
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| 07/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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From the probate cases starting in XX/XX/XXXX, the loan has been sold four ( 4 ) times to other loan servicing/Lending companies. Throughout each sale of the note I've been fighting to not only stop foreclosures but have not even be acknowledged by the lenders as the Owner of the property which I was granted through a Affidavit of Heirship.
From the Probate Hearing as far back as XXXX, XXXX XXXX XXXX represented each Lender and failed to maintain commitments at court discussions allowing me the Owner to conduct the business of the mortgage, including collecting payoff quotes, establishing payments and disputing charges.
Approximately, in XXXX of XXXX the Substitute Trustee XXXX XXXX XXXX of XXXX XXXX representing the current Lendere Planet Home Lending , LLC received an offer from my lawyer XXXX XXXX at a reduced amount from the payoff. Mr. XXXX as seen in the file named " Delayed Response '' did not respond to the offer. It was common practice to deliver responses so slow that when we received them such as in payoff quotes the quotes were expired. All of this activity was under the distress of threatened foreclosure. Prior to this date, I had Buyers lined up and my efforts were ignored.
Within this struggle, approximately in XX/XX/XXXX, I empowered XXXX XXXX and XXXX XXXX, agent in the amount of {$2000.00} ( proof of payment available upon request ) to file a Qualified Written Request on my behalf with the intent to stop the foreclosure, bring the loan current and sell the property. As you see, by the file attached named " LOI & QWR ''. These individuals did not engage with any result. In fact, I can not validate that they even sent the third party authorization form to the Lender.
As of this afternoon, when I tried to reach my point of contact at Planet Home Lending , LLC " XXXX '' in the loss mitigation department. I was informed that I am not authorized to receive information on behalf of the Borrower, my deceased Uncle. Please see the attached file named " Special Warranty Deed '' which identifies me as the rightful property owner which was also prepared by XXXX XXXX XXXX dated in XXXX.
All-in-all, every time I get close being recognized as an authorized party to the Loan, it gets sold to another Lender who then starts the foreclosure process all over again. I have spent over {$10000.00} in legal fees and other costs just to get recognized as the rightful Owner and the authorized person to pay the mortgage.
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| 06/23/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have a loan with Planet Home Lending that has been fluctuating through outrageous totals from {$1300.00} to {$1900.00} for a little over two years. From having previous loans with other companies in various cities and states I've come to the conclusion that Planet Home Lending may be operating with nefarious intent of consumer accounts!
When I lost my job due to XXXX, I was put under the XXXX policy back in XX/XX/XXXX. I completed the phone interview and online paperwork and was notified I was accepted into the program. A few weeks later I had received notices that I was approved for forbearance into XX/XX/XXXX. Then another approval of forbearance into XXXX and then a final approval until XXXX of XXXX. It should be noted that during this time I paid what I could on the loan, my wife and I both got part-time jobs to survive with XXXX children. When I called in XXXX to inquire about my start-up payments an agent indicated that because I didn't call in XXXX of XXXX, my loan was in foreclosure!
Is that correct, because I received paperwork in the mail stating that it was pushed back to XX/XX/XXXX. The agent then said the only way to resolve this is to refinance your current loan and add the delinquent payments to the backend of a new loan with a current over inflated mortgage percentage rate.
Why?
Was this because I didn't make a phone call back in XXXX?
But I have a letter stating my forbearance was approved through XXXX with a start-up date in XX/XX/XXXX.
Are these unruly practices the tactics that PHL uses to take a person 's home or move them into a higher interest mortgage rate?
After some quick thinking, I exhausted my retirement savings to bring my status current but another problem arose on the account. I was informed a couple of weeks ago that my balance will be rising again to {$1700.00}. I began to inquire, and this was due to Planet Home Lending paying my home insurance twice, once with XXXX and a second to XXXX. However, when I called in XXXX of XXXX, I was instructed by a XXXX agent that XXXX had already forwarded the documents and XXXX understood that XXXX would be taking over. However, XXXX made the payment to XXXX, thus depleting my escrow account.
This gross negligence in accounting errors and compliance with the XXXX policy are unacceptable! Therefore, I will be reporting PHL to the Federal Trade Commission and filing an additional report with the Consumer Financial Protection Bureau.
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| 10/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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There is a summary judgment against my property ; which was adjudicated in XXXX XXXX Supreme Court. Due to the emergency of this situation, I would like to explain the history of my dilemma.
I purchased the said property above in XX/XX/XXXX. After 2 years, I requested a modification from the newly assigned company XXXX. Unfortunately, a representative of XXXX told me that the square footage of my studio ( 500 sq feet ) was too small to receive a modification.
Within the years of the constant reshuffling of mortgage assignments, only one servicer ( XXXX XXXX ) offered a modification ( XXXX ), which was 5x higher than what I was paying. In XXXX a Judge dismissed the case without prejudice requesting explanation of the lost note and allonge.
In XX/XX/XXXX a second judge partially granted and partially denied the summary judgment. In XX/XX/XXXX, a third judge granted summary judgment and I filed a OSC.
I am in receipt of a letter 3 denial letter for a modification by Planet Home Lending ( PHL ) dated XX/XX/XXXX, in reference to the denial of the requested modification. As a property owner, I am frustrated by the multiple servicers and investors that this " mortgage '' has changed hands. For the past decade, I have tried to secure a refinance when I was current only to be told that it could not be done. XXXX XXXX ( XXXX ) stated the condo was too small. XXXX couldn't modify-no reason given. Now Planet Home Lending has given no supportive argument as to the denial of the modification, other than the investor does not offer modifications.
Their decision was based on a consumer credit report not my actual credit report. Additionally, PHL acknowledges that the reporting agencies played no part in their decision to deny the modification. However, PHL failed to mention the reason of the denial, but directed me to run my credit report. I provided all the supportive documents and income, yet I was denied. The investors lawyers also discontinued a pendency in XX/XX/XXXX because the investor because the Plaintiff could not prove compliance with the mortgage by a non-party to this foreclosure action.
Here is a history of all the Lenders : MLN-Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Planet Home Lending I ran my credit score several times and the mortgage is not reporting at all. Please advise.
Respectfully submitted, XXXX.
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| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am filing an official complaint regarding Planet Home Lending , LLC | NMLS IDXXXX, regarding the refusal of returning an unauthorized withdrawal from my checking account.
Friday, XX/XX/XXXX, XXXXPlanet Home Lending withdrew two payments for {$2400.00}.
- My wife called Planet Home Lending, and they asked for a wire transfer form and bank statement to show proof. My wife and I worked to get this to Planet Home Lending and submitted documents the same day.
Monday, XXXX XXXX XXXX XXXX the manager, expressed that she received all documentation and will submit to having the money transferred within 1 to 3 days. Per XXXX, " She will call back today or tomorrow latest to confirm. '' Tuesday, XXXX XXXX XXXX never called back, my wife called, and Planet Home Lending and the representative stated, " XXXX said, everything was submitted, and I have to wait up to three days to get money back. '' Friday, XX/XX/XXXX, No money was received. My wife called back. The Planet Home Lending representative said XXXX was in training, but she confirmed that she submitted everything on Thursday, XX/XX/XXXX. Also, the funds should be there within three business days.
Tuesday, XXXX XXXX I called again to XXXX XXXX and she said she submitted everything on her end, and for sure, it will be there by tomorrow.
Wednesday, XXXX XXXX-No money was received. Continued to wait.
Friday, XX/XX/XXXX, my wife called and spoke with XXXX, Manager XXXX XXXX XXXX. He was incredibly insensitive to the matter. My wife told him that she has bills due and she needs HER money. She told him that she would be left to scramble over the weekend. XXXX XXXX, " I don't know what to say to you. I have completed the paperwork. You are just going to have to SCRAMBLE. " Monday, XX/XX/XXXX, I checked my bank account. No pending wire transfer. Called XXXX, he stated that he completed the paper, and the wire will be transferred within the next 1-3 business days. I asked XXXX for a confirmation number of the wire transfer number, and he said he does not have it. I asked to be transferred to his supervisor, and he said, " No, I have taken care of it. The buck stops with me. There is no one higher than me regarding this situation ''. I asked again to be transferred to his supervisor, and he said no. I then requested eight more times, and he said no, and the phone disconnected.
I still do not have my money, and I am still scrambling.
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| 01/26/2017 |
No |
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- Loan servicing, payments, escrow account
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Web |
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Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
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| 11/17/2016 |
No |
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- Loan servicing, payments, escrow account
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Web |
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Planet home lending took over my loan from XXXX bank earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX. This was in XX/XX/2016 and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX since last XXXX but all of sudden, my XXXX monthly payment jumped to $ XXXX. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until this XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
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| 09/26/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I would like to file a complaint about my current FHA approve lender, planet home lending,. AT THE BEGINING, I contacted planet home lending regarding this issue and they agreed it was wrong and stated that this is not something they do and they were going to look in to it and will resolve the issue, they have not get back to me and this is the only issue preventing me from closing my loan with XXXX XXXX funding.
This is what happened, I initiated a refinance loan with Planet Home lending. iT WAS SUPPOSED TO BE AT THE BEGINNING AN STREAM LINE 30 YEAR NO PAPERWORK XXXX. they got back to me and said it was not possiblebecause interest rates were change. then they call me and said that a 15 year streamline was possible at XXXX no paperwork streamline.they repeated, They offered a stream line re-finance, they said there was no docs required, then they came back and and stated that I should take other programs like a XXXX loan at XXXX. Why would I do that if I have a XXXX loan at XXXX. They continue to call me to offer the multiple and the same deal. they call me to solicit my loan multiple times. they providedme documentation that I am attaching of a 15 year stream line. Later they said that they were iss informed that a 15 year streamline was not ever possible. The they offered other deals. At this point, I became worried about the way they did business and decided to contact a company that made me more comfortable. I called XXXX XXXX funding. Plane Home lending continues to call, I stated I already contacted a new loan company. I believe Planet home lending wrote derogatory remarks at the XXXX portal for the purpose of me having to call them and go with their offer or another of their offers. I called ultiple times and recorded most of the conversation over the phone. Every time theyover the period of 14 days they said that someone will call me back with in 30 min, that the manger was on a meeting, that the manger had left home and today after 14 days they sent me a letter form their attorney that they did not wrong and they declimke my loan because of execive delinquencies and insuficient income. wich is alie and they do this to cover their mistake/The only holding my loan is the derogatory marks Planet Home Lending placed at the XXXX portal. I would like to file a complaint of Crest line funding fraudulent loan practices.
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| 06/25/2019 |
Yes |
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- Trouble during payment process
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Web |
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On XXXX XXXX we closed on our home and Planet Home Lending is our mortgage company. At closing we received {$2200.00} from seller to pay the property taxes from XXXX. In XXXX I received a letter from the county saying we didn't pay our taxes for XX/XX/2018 and sent us a bill for the whole year. I immediately called Planet Home Lending and talked with our loan officer XXXX XXXX to try to get an answer on why this was the case since we received the credit from the seller and have been making our mortgage payment every month on time, with {$560.00} going into our escrow account to pay taxes and insurance. They told us they didn't know but we had to pay the taxes and that they are taking all the money out our current escrow to pay the taxes! Also that our mortgage would go up {$270.00} a month because now our escrow was delinquent. We sent numerous emails and called numerous times to try to get this resolved, they would only send us letters stating they were looking into our account and they kept extending the period of resolution. They finally reached out now and told us that they would refinance us with a lower percentage rate but are charging us {$5000.00} in fees, some duplicated from what we already paid in XXXX and then they try to make it better by saying they will give us {$2500.00} in lender credits. No matter how I look at this it just doesn't make sense or add up. They clearly made a mistake and admitted to it and now trying to get us to rush and sign the refinance paperwork. I don't know what to do at this point, I don't trust that they have our best interest at hand. We can't afford this increase and feel we shouldn't have to pay for their mistake but also feel like the refinance is just benefiting them and charging us for their mistake.David told me that his branch manager would be handling our case his name is XXXX XXXX, I have called him and he told me someone else would call me back. So then this guy named XXXX XXXX sent me an email about applying for a loan?! I called him and he had no knowledge of our account or the issues that they have caused with our escrow account! They are completely ignoring our complaint and their mistake! This is ridiculous and they should not be in business! I have all emails and correspondence saved and can produce if and when necessary.
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| 09/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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On XX/XX/XXXX, Planet Home Lending ( PHL ) conducted an escrow analysis and determined that I had an escrow surplus of {$2900.00} and issued me a refund check. On the escrow disclosure statement reflecting this change, it states that the amount of expected tax due was N/A. I even called PHL to verify that this was not a mistake, and I was told it was accurate.
In XX/XX/XXXX, PHL notified me that I had an escrow shortage of {$4900.00}. PHL has currently refused to accept my refund payment of the previous escrow surplus. This shortage was used in PHL 's calculation to increase my mortgage payment from {$1500.00} to {$2300.00}.
In XX/XX/XXXX, I called PHL to notify them that the calculations were inaccurate based on my taxes and the escrow surplus. At that time, PHL admitted that the escrow analysis that I received in XX/XX/XXXX contained errors. They were unable to tell me the correct amount of my mortgage payment until after PHL re-ran the escrow analysis using accurate numbers.
On XX/XX/XXXX, I made my regular mortgage payment of {$1500.00} given that PHL admitted that the {$2300.00} payment amount was incorrect. On XX/XX/XXXX, PHL notified me that my new mortgage payment amount was {$2000.00}.
On XX/XX/XXXX, I received a call from PHL, which I learned was a collection call. PHL stated that my mortgage payment made on XX/XX/XXXX was being held in a separate account because it was less than the required {$2300.00} payment. The same payment amount that PHL admitted was not accurate. When I addressed the discrepancy, PHL advised that they were unable to accept an escrow payment from me ( the return of the surplus in error ) until I paid {$2000.00} amount.
I was not provided with XXXX days notice of the {$2000.00} payment amount and sent to collections within the same month PHL claims the payment was due. This can not be legal. PHL will not allow me to refund the escrow surplus payment which they issued to me and subsequently claimed I had an escrow shortage. They are using erroneous calculations to
charge me a higher mortgage payment and then changing it every other month. PHL is trying to make me pay a payment amount they told me was not accurate. PHL is engaging in fraudulent and predatory mortgage practice. Please help me resolve this issue.
Thank you, XXXX XXXX
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| 09/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2020 XXXX XXXX Attention : Customer Service I am writing about a matter about a teller 's check of {$2500.00} that arrived at Planet home lending on the date of XX/XX/2020 that has not been applied to my account.. It arrived via USPS. My bank verified this information for me. I have spoken to multiple customer service representatives regarding this matter and each one has told me to wait another week.
I sent in a written e-mail detailing this situation on XX/XX/2020 to Planet home lending. I have not received a follow up communication about the matter. Between XXXX and XXXX, I have spoken to customer service representatives who have told me, " Don't send it anymore payments until this is fixed, '' " Don't send your payment in through a bill pay, '' " A lot of people were laid off due to COVID. '' I called my bank and they were able to tell me the tracking number of the USPS delivery, date of delivery, verify the amount of the teller check, verify the address it was sent to, and proved me with the check number.
I had spoken to a customer service representative on XX/XX/2020. He told me that I needed to send in the front and back copy of the canceled check. I told him that the teller check has not been applied to my account in order to supply that information. He told me that I needed to e-mail the XXXX in order for research to be done. I asked him if there was any other information I needed in order to move forward because not one customer service person told me that those were the steps I needed to take. He verified that the address my bank sent it to was in fact the correct address, listed above.
I sent the e-mail with the information of the {$2500.00} teller check not being applied to my account in writing on XX/XX/2020.
I spoke to a customer service representative on XX/XX/2020 and informed her of the countless phone calls I have made to Planet Home Lending to follow up on this payment. This representative said that she was able to read the notes of previous conversations but to give them until the end of the week. I have been put off for countless weeks with no resolution, with each representative telling me something different.
I will be looking forward to a service representative calling me with information resolving this matter.
Sincerely, XXXX XXXX
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| 04/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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Mortgage Company Name : Planet Home Lending This company recently purchased our mortgage loan after a refinance we did during the fall of XXXX, and since the purchase, the following has occurred : 1. They held more than $ XXXX in escrow without our consent and it took months to get them to acknowledge the issue. As they were unwilling to do anything to assist, I asked for the funds to be returned. They only returned the funds after numerous calls and micromanagement on my part.
2. They lost an extra principal payment during the transfer and after numerous calls and more than 4-5 hours collectively wasted on the phone, they finally acknowledged and claimed to be doing something about it, but nothing happened.
For this issue, I had to call the previous lender and request the necessary proof to include the tracking number as they wouldn't assist with helping, and even after gathering the proof, they have shown little to no interest in posting the payment.
Additionally, they are unwilling to post the payment and back date it to when it was actually paid, thus changing the interest charged at that time. To date, nothing has occurred. The payment was made during XX/XX/XXXX.
3. I have asked for a complete payment history and they will not send it to me.
4. Currently, they are attempting to force place an additional insurance policy on our property when we have the additional coverage through our XXXX XXXX XXXX Policy. Previous to the loan refinance we did during the Fall of XXXX, our previous lender for more than 3 years never asked for an additional policy as we provided the XXXX XXXX XXXX, and it satisfied their requirements.
Furthermore, I had our commercial insurance agent write a letter to the new mortgage lender explaining that this additional insurance policy is unnecessary, but their stance is to want to enforce unnecessary insurance to be purchased for our property.
In summary, I have made many attempts to speak with a Director or VP level type management person for this mortgage company and they have made zero efforts to assist with putting me in touch with anyone that can look into these allegations without wasting hour ( s ) on the phone.
Respectfully request your assistance to mediate these issues and to ensure other customers do not experience the same.
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| 02/22/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, my husband was retiring from the XXXX and I knew I would be the only one working. It was going to be difficult providing for our three kids. We decided to refinance our current mortgage loan with Planet Home Lending which we were VA residential on the loan. We contacted Planet Home Lending and immediately we were connected to XXXX XXXX who started our mortgage refinance application process and he made it seem it was a great decision and it would take at least three months. It also included not paying the mortgage for two months. On XX/XX/XXXX, I emailed Mr. XXXX to check on our application and he said it would take another month or two months. A month and a half passes by and we call and leave messages on his office and mobile number and he would not return our call. Instead, we finally received an e-sign document on our loan approval on XX/XX/XXXX which the preparation date on the document when prepared was XX/XX/XXXX. We sign the document and we gave it more time before contacting Mr. XXXX again. When we called his phone we would not get an answer and we would leave voice messages and he would never return our call. We were getting frustrated. I then emailed him and he emails back and cc 's a woman by the name of XXXX XXXX to advise and the email contained that the file was in " Encompass it is still processing ''. We never recieved an email with a response so we called Planet Home Lending and we were advised to contact Mr. XXXX once again but we explained the situaution to the person on the phone. We continue to call Mr. XXXX and XXXX again starting XXXX XXXX and no answer. We then applied for the forbearance to help our family during this process in XXXX. It is now XX/XX/XXXX and my husband called the mortgage company to speak to a manager and XXXX the manager hangs up in my husband 's face and never calls back. My husband calls Planet Home Lending back and he spoke to a representative to see if he could speak to someone above XXXX the manager and gets information to the issue. He stated he would get in contact with XXXX 's supervisor so he could advise her to call us and give us an update. I was just fed up with the words of promises but there were no actions behind it. We need help getting to the bottom of this as soon as possible.
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, Planet Home Lending has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas office. All were suppose to be supervisors.
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution.
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well.
My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
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| 01/27/2023 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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As of XX/XX/XXXX my loan was paid in full for the amount I originally agreed to pay, not a short sale or anything less that what the loan was agreed on. I previously had a modification on loan in XXXX. The information being provided in the matter of late payments past 90 days has negativity impacted me in my ability to be approved for housing. I'm a father that is struggling to relocate and find a home given the information that is being reported by Planet Home Lending. After speaking with several representatives from Planet Home Lending, they denied my request for deletion off my trade-line.
I explained how the reporting impacts me and holing me back from moving forward in life. The response from Planet Home Lending was to show the the attached document stating that the loan is paid in full.This document means nothing because the I will continue to be denied given the number of late payment beyond 90 days. It's inappropriate to report negative information given the fact that the business relationship is OVER. I have fulfilled my agreement and I'm simply asking for Planet Home Lending to DELETE all reporting off my trade-line immediately. This company has no right to still report on my credit given that my loan is paid in FULL. It makes no sense to negativity impact an individual that have resolved the loan, we have no more business therefore that company has no right to appear on my credit report. This is harsh, cruel and uncalled for. I'm being judged and denied for a business matter that I have fulfilled and no longer have any ties to. Can someone please help me in working to delete the reporting of payments that exceeded 90 days. The reality is, no one will take a chance on me given the information this company is reporting. Planet Home Lending did inform me that the plan to report to the 3 credit agencies on XX/XX/XXXX that this loan is paid in full. That not enough for me, I need this line item deleted off my trade-line. A logical, reasonable and ration individual would understand the impact and made the right decision. I pleaded my case to several individuals for the company to call me and tell me that they would not honor my request for deletion. Please HELP!
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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In XXXX of XXXX during XXXX I filed an application with Planet Home Lending LLC to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to Planet Home Lending XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in FULL.
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed Planet Home Lending reporting my mortgage 120 days late. I contacted PHL immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with PHL. I gave up on getting a mortgage in XX/XX/XXXX as PHL would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with PHL.
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that Planet Home Lending last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called Planet Home Lending XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail.
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX.
PLEASE HELP!
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX
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| 07/29/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I purchased my home in XX/XX/XXXX. My loan was transferred to Planet Home Lending LLC shortly thereafter. In XXXX of XXXX, I decided to go through Planet Home Lending for a streamline refinance. I submitted my application online as instructed and we started the process. I received the initial disclosure on XX/XX/XXXX. Nearly 2 months went by without any communication, I assumed it was due to covid-19 and emailed the loan officer, XXXX XXXX, about the status and she informed me my file was sent to the processor. I received the first closing disclosure on XX/XX/XXXX. No communication after that about a closing until the end of the month. A closing was scheduled for XX/XX/XXXX. The closing agent arrived at my home and documents were signed and they were sent to Florida for my father in law to sign since he is a non occupying co borrower. Then, a few days later I receive a phone call that my husband needed to sign. He isnt on the loan but due to our marital status, he needed to sign as well. Another closing disclosure was sent on XX/XX/XXXX and we scheduled another closing to have my husband sign. We have another closing scheduled and another closer comes out to our home and we sign the documents again and have them sent to Florida. XX/XX/XXXX I receive a phone call from the processor, XXXX XXXX, that we need to repeat the closing again due to them putting the wrong date on the paperwork and the bank supposedly did not accept it. She also told me that I would need to make XXXX 's payment as well but we could close for XXXX and not have to make XXXX 's payment. Meaning I also have to pay a late fee on top of my payment for XXXX. I received another phone call on XX/XX/XXXX telling me that I would need to push off the closing again because my taxes were due. Meaning I had to pay yet another late fee on my mortgage payment. I have NEVER paid a late fee on my mortgage until this. Not only that, I am now being asked to pay 3 times more in closing costs that I originally had paid. I sent an email to the processor asking her where this amount came from and still have not received a response or returned phone call. At this point I do not know what to do anymore.
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| 11/22/2016 |
No |
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- Loan servicing, payments, escrow account
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|
Web |
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To who this may concern, XXXX/XXXX/XXXX My name is XXXX XXXX, I have contacted your company before due to our mortgage company not following guidelines about our modification. XXXX bank seems to have done it again, and refused our payments and according to the FHA guidelines if we live within a XXXX miles radius of one of their offices the company is to send an agent for a sit down conference, this never happened and we live within a XXXX mile radius of a branch in XXXX Michigan. Instead we had our payments refused on and off since XX/XX/XXXX, then XX/XX/XXXX, refused again in XX/XX/XXXX and then accept it again XX/XX/XXXX, and then refused the entire rest of XX/XX/XXXX only to have the payment accepted again XX/XX/XXXX. Our mortgage was then sold to Planet Home Lending who is a debt collection company and has also refused our payments from XX/XX/XXXX all the way up until XX/XX/XXXX and we were told they were attempting to collect a debt we would not have had if XXXX had just accepted the payments and followed the guidelines they were required to by law, Planet Home Lending then did a trial modification for 3 months, XX/XX/XXXX to XX/XX/XXXX. When that was done our payment in XX/XX/XXXX was refused, when asked why this happened, I was told by XXXX XXXX the modification was accepted, we then received permanent modification papers to be returned no later than XX/XX/XXXX with the first payment, which was n't due til XX/XX/XXXX, however we are also being charged and additional {$5100.00} for legal and attorney 's fees. I do not believe we are responsible for all this, due to the fact we made our payments on time and monthly, the payments were refused. We are now responsible for extra fees we did not cause and we have been placed with a debt collection company for a debt we did not accrue. I have all the documents to prove we made our payments and we even had to hire an attorney to explain why this was happening. I am at my wits end our payments have increased over {$100.00} a month, and we were not in the wrong or at fault for this to happen, how can a company cause this kind of issues and get away with it?
Thank you for your time, XXXX XXXX
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| 02/23/2017 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.
|
| 08/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
As part of our mortgage payment, taxes and insurance are escrowed and the policy premiums are to be paid by the mortgage servicer. Our mortgage servicer, Planet Home Lending, LLC., failed to pay our flood insurance premiums causing our policy to be cancelled, leaving us uninsured. More than a year later, they brought their error to our attention by threatening to purchase force-placed coverage to cover for their error and incompetence, and demanded that we obtain a new policy. We later learned that XXXX stole funds from our escrow account to cover for their error, without our permission. We lost the " grandfathered rate '' that we had with the original insurance company, and the lowest cost replacement policy was substantially more expensive. I have written several letters to XXXX detailing their error. The first was XX/XX/2022. There was never any reply or response. During my calls, I asked if they received my letter, and they said " yes, we put it in your file. ". I asked why they did nothing, and while they admitted their mistake on the phone and promise to take care of it, they have never acknowledged anything in writing, nor done anything. They have promised to correct our account balance, remove all late charges and fees, credit us for the difference in our original policy and the new policy, and correct our monthly payment. ( Our correct monthly payment is sent automatically each month, and has always been received on time. ). Notwithstanding, they continue to harass us for payment and threaten to ruin our credit. Despite numerous calls to their insurance department, and customer service, they have done nothing. On XX/XX/2022, I wrote to XXXX XXXX XXXX, the president of Planet Home Lending LLC, detailing everything and providing copies of prior letters. I received no reply from her. On XX/XX/XXXX I received an unsigned form letter from a XXXX XXXX XXXX XXXX saying that they would look into this matter. So far there has been no response, except the default notices that XXXX continues to send us, telling us that we are " seriously delinquent and in default. ''
|
| 12/12/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have tried to resolve the issue with this company about my taxes being removed from my mortgage payment. The first time they did not complete their job I simply called to check the status and found out they failed to even verify anything just went with what was currently on my account. I then called my tax commissioner and was informed the supervisor has been out but they immediately updates my taxes. Called back to mortgage company they already had approval letter and documentation signed and all about being tax free due to 100 % XXXX they then opened a new research case instead of using current one and said they were going to have to wait timeframe to process refund. They didnt know how much refund was but knew they paid out taxes on my account. I called got refund amount for both tax disbursements after mortgage company tried to say they only paid out XXXX. Then they voided XXXX and was supposed to put it back in my escrow account. Never has been deposited. The check from tax commissioner office was received by them on XX/XX/XXXX in amount of {$1300.00} but they tried to deposit only {$810.00} of it but now are saying they have to verify amount of check or someone keyed it in wrong. Yet it has been XXXX, months since this started, they have not gave me my money back has not given me an update or answer on whats taking so long, no time frame has been given or stuck too. Last time it was it would be completed by XX/XX/XXXX and it still hasnt and keeps says its been expedited but now when you cant tell me a time frame for an expedited case that should be faster than a normal case time especially if you have all the information. I think they are a scamming fraudulent mortgage company who thinks they can steal people money and not expect someone to follow up and call them out on their thieving acts and I will not tolerate this especially when you constantly lying and harassing me for payment for XXXX when it still includes taxes just like XXXX payments did and I paid them cause they said it would be done before the next month and the next month came and it wasnt
|
| 06/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
My home mortgage loan was purchased by Planet Home Lending at some point at the beginning of this year. I created my online account with Planet Home Lending on XX/XX/22 after my original loan officer who completed my loan in XXXX notified me of the change. I made a manual payment that day with confirmation number XXXX and attempted to sign up for autopay. I never received a confirmation of enrolling in autopay The following month after realizing my payment had not be deducted I logged in to realize the payment never pulled. On XX/XX/22 I again made another manual payment with confirmation number XXXX and enrolled again in autopay. This time I did received a confirmation of my autopay enrollment on the same day XX/XX/22.
Since this time, no communication has been received from Planet Home Lending until today when I received an email at XXXX PST asking me to contact the company with the following message : " XXXX XXXX Please call Planet Home Lending , LLC toll free at XXXX from XXXX to XXXX M-F and Saturday XXXX to XXXX Eastern Time Thank you, Planet Home Lending , LLC XXXX : XXXX '' After calling in I discovered the reason for the communication was because they had canceled my autopay without notifying me and did not pull payments for the following months, XXXX or XXXX. They informed me they contacted the credit bureaus on XX/XX/XXXX to report the lack of payment on the account which resulted in over a 100pt drop on my credit score which until now had a perfect payment record across all accounts.
I ultimately was directed to the highest supervisor available - XXXX ( Employee ID - XXXX ) who ultimately declined any help in resolving this matter after admitting Planet Home Lending was the party who canceled the autopay without any sort of communication to me. She only committed to removing a single late charge from my account and refused any further help. I have already paid the outstanding payment amounts to bring the account current - minus any late fees.
I have included the chain of emails below that documents the development of this incident
|
| 08/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
XX/XX/XXXX I placed a call to Planet Home Lending , LLC inquiring why our loan is still requiring PMI. We have paid more than 20 % of our loan.I was told to put my request in writing ; which I did on XX/XX/XXXX, XXXX.I was told they would research my question and get back to me. As of today 's date, Friday, XX/XX/XXXX, we have not received an answer.
On XX/XX/XXXX I received another automated call from Planet Home Lending , LLC requesting I call them again. I returned the call at XXXX and spoke to XXXX, the phone receptionist that answered my call. After XXXX checked our loan 'notes ' I was informed that our loan was paid up and nothing was due until XXXX of XXXX. She said she had no idea why the automated calls continue.
XX/XX/XXXX we received via USPS our monthly PHL mortgage statement. The statement showed a charge for 'Total Fees and Charges ' amounting to {$300.00}. I called PHL to get a clarification for these fees and charges. Once again I was told they would have to research the fees and charges. Later that day I received an email showing the inspection fee charges dating back to XXXX. These exact fees had previously charged and then reversed ; as it is against the law to charge fees to an FHA mortgage, as well as a mortgage that in forbearance ( due to Hurricane Harvey ). On that day, XX/XX/XXXX, I called PHL to speak to someone about these fees ; spoke with 2 receptionist and never reached the mitigation department ; I was told someone would definitely call me back.
XX/XX/XXXX I called again requesting to speak to mitigation was on hold and then PHL disconnected my call.
XX/XX/XXXX I called and specifically asked to speak with XXXX XXXX or XXXX XXXX, our points of contact in XXXX mitigation. I was told they were not available an email will be sent for them to contact me.
XX/XX/XXXX I called PHL again. I was on hold over 15 minutes while waiting to speak to XXXX XXXX ; I was finally connected to XXXX who said she would email XXXX to call me.
As in my previous complaints about PHL, they will not speak to me to address my concerns.
|
| 09/02/2018 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX is reporting an account named Planet Home Lending on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by Planet home lending saying they arent reporting XXXX is and its XXXX responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now XXXX sends me new investigation results dated XX/XX/XXXX and once again Planet Home lending confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties XXXX and Planet Home Lending. I dont want to hear its not our problem from Planet Home Lending its XXXX because XXXX just sent them in XXXX another dispute and asked them to confirm and the XXXX ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will Planet Home Lendings excuse be now? What will XXXX excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both XXXX and Planet Home Lending have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days
|
| 09/21/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I Contacted your agency before. then i called planet home lending again and they sent an email with new terms to stop foreclosure but they doubled the payment amount saying im having to pay lawyer fees etc. and that the payment would be doubled until XXXX and in the email paperwork it said that the actual fees for the attorney etc, could BE MORE. and that the status is still foreclosure until all of the money is paid. In other words, I might pay this money and they foreclose anyway on a whim, at least that is how I am reading it.
Ever since I tried to make the payments on the property back inXX/XX/XXXXI have been given the 'we are foreclosing XXXX '. and they refused payment, even though I had a paper from them saying they would help, They even told me back then that since I 'm inheriting the property instead of being the actual owner of the loan, they were refusing payment from me and were foreclosing.
Only after I said i would report them for predatory lending to a federal agency and sent them paper work from the county courts office showing I was also adminisitor and executor of the estate, did they accept any money. And after that, when I tried to make another payment, I got the same thing, over and over and over.
I 'm not the only one this has happened to.
I looked them up on the Better Business Bureau 's website, and NUMEROUS similar complaints have been lodged against them. Their rating on the site is a C+ I have also seen numerous complaints against them via reviews on XXXX XXXX.
I believe my Civil Rights are being violated due to my age. and because I am a XXXX ( XXXX XXXX ) Now this is happening with the contract they have sent. no concrete fee 's from their attorneys and they can still foreclose at any time? Seems to me like MORE PREDATORY LENDING.
They even told me before sending me this contract, that I should send them {$1200.00} as a payment, even though they were going to foreclose on the property anyway. I 'm considering looking into contacting Civil Rights attorneys about this.
|
| 05/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I obtained a loan from Planet Home Lending on XX/XX/XXXX. My insurance agent provided Homeowner 's insurance and Flood insurance quotes and the premiums were paid during closing.
Problem # 1 = insurance information was never updated on the portal!
A bit later I found out that Planet Home Lending decided that the property was in zone A ( though FEMA map shows it in zone X ) and requested my insurance agent to find the quote for zone A and additional funds were disbursed to pay higher insurance.
Problem # 2 = I was not informed, not a single letter, email, etc. All of this was done behind my back and my insurance agent told me that Planet Home Lending assured them that I was aware.
Problem # 3 - FEMA shows that the property is located in zone X and the original flood insurance I had was sufficient to cover for flood insurance.
in XX/XX/XXXX I received a letter from Planet Home Lending informing me that I did not have an active flood insurance and that I needed to get one, otherwise PHL would purchase an expensive one for me. That sounded like a fraudulent scheme ( similar to the ones other consumers suffered from based on multiple complaints found on the web ), how can the same company who requested to charge more money for the existing flood insurance now XXXX months later tell me that I did not have any flood insurance?
when I received that letter, I uploaded proof of insurance to the portal address provided and sent a paper copy proof for homeowners and flood insurances to the address provided in the letter.
in XX/XX/XXXX I found out that Planet Home Lending fraudulently charged me for the second flood insurance {$2200.00}. In addition Planet Home Lending is planning to charge me additional {$370.00} for XXXX XXXX XXXX XXXX insurance on XX/XX/XXXX, which is the second XXXX insurance on the same property, this looks like an attempt to fraudulently use my escrow funds to purchase additional insurances not required by law.
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am filing a complaint on Plant Home Lending of XXXX, CT.
My complaint is regarding deceptive and unethical business practices in reporting past due payments to the credit bureaus.
It all started when they assumed my loan in XX/XX/2021 and I was notified in XXXX of this change. In the first written documentation, I was informed that I could set up automatic payments. I elected to take this option, as noted, and sent back the required documentation for ACH setup via fax and US mail. I received a confirmation letter stating that my ACH setup was correctly in XXXX for XXXX payments.
After receiving a letter that my payment was late, in XXXX, I called, again and immediately paid and re-setup another ACH system setup via their OLD portal for XXXX and future payments.
The following month I received another letter, mid-month stating my payment was late. I AGAIN called and made the payment immediately for XXXX and XXXX and again set up another ACH auto payment in the NEW portal as instructed by the customer service agent. The agent told me that the OLD portal wasnt working correctly.
It appears that my effort in establishing and following a new customer onboarding process wasnt successful. This organization reported me to the credit bureaus as a late payment because the on-boarding materials and documentation were running two to three weeks late and or did not arrive.
If you review the files and sequence of events, I tried my best to work within the Planet Home Leading system to establish an ACH auto payment following the process that was given to me. With your letter arriving weeks after the dated letters, I would not have known of any issues.
I am requesting assistance in removing the credit bureaus ' report and or noting to the credit bureaus that the sequence of events was an error on Planet Home Lending. Planet Home Lending claims they reported correctly, but they failed to state that the error was on their behalf.
|
| 08/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX - made my mortgage payment on XXXX XXXX website as I have done for past couple years.
XXXX -received notice in the mail from XXXX XXXX that loan had been sold to Planet Home Lending and no more payments could be made as of XX/XX/XXXXXXXX
XX/XX/XXXXXXXX received a notice from Planet Home Lending that I failed to make my XXXX payment and was now late and needed to make XXXX and XXXX 's payments. Informed a XXXX late fee would be added on XX/XX/XXXXXXXX
XX/XX/XXXX - checked my bank account and saw that despite making the payment on XXXX XXXX website on XX/XX/XXXX, they must have chosen not to process the payment.
XX/XX/XXXX - went on Planet Home Lending and attempted to make XXXX & XXXX payments and was prevented from doing so, stating I was delinquent and could not pay on the website.
XXXX - contacted Planet Home Lending and spoke to customer service women who wanted me to give her my banking information over the phone. I refused, and requested to pay online, she said not possible because I was delinquent despite m explaining that really was not the case. She suggested I wire funds or mail a check, which I would not do for multiple reasons. I asked if they were going to report me late to the credit bureaus and she said not for at least 60 days and that they don't charge late fees for the same 60 days due to RESPA. When I asked her why than does it clearly state they were going to charge XXXX if payment not received before XX/XX/XXXX she had no answer. Both XXXX XXXX and Planet Home Lending have inodiated me with mailers and calls trying to get us to refinance our home or take cash out, neither of which we need or want. We have an interest rate for 30 years of 2.25 % and the harassment never ends. I believe this latest stunt is just another way of trying to trick us into refinancing or taking cash out.
XX/XX/XXXX - I paid through online XXXX XXXX through my bank tonight so I had proof of payments.
|
| 11/03/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Our mortgage company is Planet Home. We had a fair amount of hail damage to our house in XXXX XXXX. This is now XXXX and we 're still trying to get Planet Home to endorse the insurance checks so we can pay our contractors.
Every time we call, they want something else. In the beginning, they said they would have an inspector come out after each part of the repair was done -- roofing, gutters, siding, inside painting ( ceiling ) - at our cost. What? THEY want the inspection -- they should be paying for it. But of course, we have no choice. However, they said if we hired a general contractor, they would only inspect once. We did. Everything except the painting of the ceiling has been done for two weeks now. It will be done when we 're out of town later this month. The inspector came out. He said he has never heard of a mortgage company asking for any more than 90 % done, and we are over that, so we were expecting an endorsed check. We 've called and called, leaving messages for the genius who 's been 'our ' representative. Finally today she responded. Since the work is n't 98 % -- 98 %, mind you, done, they wo n't release the check. It is unconscionable to us that they expect our contractor to pay his subs -- or worse, for us to front the money - while Planet Home XXXX around holding our insurance check because the work is n't 98 % done. Additionally, now they want to ding us for another inspection when it 's finished. This is just the short story of what we have been through with this company. Every call was another adventure in the asylum.
These people are so far out of industry standards, it 's scary. They get poor reviews on the BBB site and other blogs I 've found. We 're going to refinance as soon as this mess is over, but I want to know if there are federal rules that govern this sort of stuff, i.e. what can the mortgage company withhold and for how long, can they charge for inspections they require, etc.
|
| 09/18/2023 |
Yes |
- Debt or credit management
- Mortgage modification or foreclosure avoidance
|
- Didn't provide services promised
|
|
Web |
|
|
I have contacted XXXXXXXX XXXX XXXXXXXX every month since the new servicer took over my account XXXX -- XXXX. The previous servicer Planet mortgage returned the payments for XXXX and XXXX ( each {$1500.00} ) via wire on XXXX in the amount of {$3100.00}. My payments were to be made for XXXX through XXXXXXXX XXXX XXXX My new servicer XXXX XXXX has not received a single payment from XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX claims that they need a XXXX record from the XXXX (? ) department from Planet Home Lending in order to send the payments. They claim they have requested this from them 4 times since XXXXXXXX XXXX and Planet Home Lending has not replied. I have also called Planet Home Lending every month to try to have them send this information so that my payments can be made to my current mortgage servicer with no response. XXXX XXXX XXXXXXXX confirms that they have received the payments returned but will not pay my mortgage ( after a lien has been filed for the amount to bring current plus the payments that were to be made against my home ). As a result it appears that I have no payments being made since XX/XX/2023. XXXX placed me on a forbearance to allow time to get this resolved, and that is now at an end but no resolution is in sight and I shouldn't have had to use this option if they would have did what was supposed to be done. Now XXXX is asking that I agree to a deferral within the next week and a half which will add the past due amount onto the end of my loan but I have already signed for a lien for this amount with Save the dream so I will end up paying this amount 2x!!! Everyone is passing the buck and I am the one paying for their negligence and stuck in the middle. In addition I was laid off again and now because they used a forbearance to allow time for XXXX XXXX XXXX and Planet Home Lending to get their stuff in order I no longer have that option since it has been used up for their negligence.
|
| 06/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Understanding from my original home mortgage loan lender. I could request the PMI insurance removed once I've paid down to 80 % of loan value. My mortgage loan was sold to Planet Home Lending within months after getting the loan. I contacted Planet Home Lending in XX/XX/XXXX about removing the PMI. I got a response from Planet Home Lending, informing me of the 80 % loan amount to have the PMI dropped. Now, I have met those requirements, and requested the PMI removed. Planet Home Lending are saying I do not meet their requirements. I have a copy of the email from Planet Home Lending, stating the only requirements to be made. I will like Planet Home Lending to honor their word per email response. I have copied the email for viewing ... ..
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to cs On my home loan # XXXX, what is the amount needed for my PMI removed? How do I get my PMI removed on my home mortgage? I would like to pay down the house, so I can get the {$59.00} mortgage insurance removed. Thanks!
XXXX XXXX XXXX, phone : XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX cs_m XXXX XX/XX/XXXX, XXXX PM to me Thank you for contacting Planet.
We apologize for our delay in responding.
Currently we show your loan to value ratio is at 92.7 %, you may request cancelation of MI when reaching 80.0 %.
Based on the original amortization you were expected to reach this percentage by XX/XX/XXXX, you will reach this percentage sooner since you are adding additional funds towards principal.
You will be at 80.00 % when your principal balance is approximately at {$200000.00} currently your principal balance is {$230000.00}. This is an estimated difference of {$32000.00}.
If you have any additional questions, please do not hesitate to contact Customer Service Monday through Friday, XXXX XXXX - XXXX XXXX EST at the number listed below.
Thank you, Planet Home Lending , LLC CUSTOMER SERVICE DEPARTMENT P : XXXX F : XXXX XXXX XXXX
|
| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I notified Planet Home Lending , LLC regarding difficulty making the monthly mortgage payment. My husband and I were out of work for an extended period with no income because of the national COVID-19 pandemic. Planet Home Lending , LLC placed the loan on a forbearance planned and promised that once the forbearance program was over, the loan would be modified into a COVID-19 modification program. The forbearance ended and no COVID-19 modification program was provided. Even after requesting several times and offering to resume monthly mortgage payments. Planet Home Lending , LLC refused to accept our monthly payments and requested we pay several of thousands dollars at once to bring the loan current. We could not provide the insane amount to bring the loan current, so Planet Home Lending set a foreclosure sale date. We attempted to sell our home to avoid foreclosure but Planet Home Lending , LLC canceled the XX/XX/XXXX sale date to allow the sale to happen ; however, they immediately rescheduled the sale for XX/XX/, while the contract was still valid. Unfortunately, the sale fell through because the home would not appraise for the amount Planet Home Lending , LLC would accept. Now we are faced with another foreclosure sale date of XX/XX/.
Planet Home Lending , LLC was contacted to inform contract had fallen through and that we now wanted to remain in our home and attempt a modification. We were denied the right to apply stating we are going to turn it down, so don't bother!
I believe Planet Home Lending , LLC has misled me and my husband and is more interested in foreclosing on our home than helping us to save our home, I believe that Planet Home Lending , LLC is in violation of RESPA and dual-tracking, by preventing us from applying for mortgage assistance, promising assistance, canceling the sale and immediately rescheduling sale for a later date to force another foreclosure auction.
|
| 02/22/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We purchased a home on XX/XX/XXXX of XXXX and moved in to the home on XX/XX/XXXX. In early XXXX I attempted to contact our Mortgage Company to make our first payment. The mortgage company informed us that our loan had been bought by Planet Home Lending. I called Planet Home Lending about making our first payment. They would not take my payment over the phone and informed me how to register for an account online and set up auto payments. The gentleman informed me not to worry or rush because I had 60 days to make my first payment. This was a relief to me because my husband is a XXXX employee and because of the Government shutdown at that time was not receiving a paycheck. I then hung up and set up an account online with auto payments to begin on XX/XX/XXXX. Today XX/XX/XXXX we received a phone call from Planet Home Lending informing us that we were late on our mortgage payment for the month of XXXX and would be sent to collections unless a payment was made. I attempted to explain to her about what someone at her company had told me that I had 60 days to pay. She transferred me to a supervisor and I explained again. Bottom line is they did not care what I had been informed of previously, they did not care that we were affected by the government shutdown or try to work with us on payment. They informed us that if we did not pay, the account would be sent to collections and appear as a negative on our credit report. We made a payment but are completely frustrated, angry and upset that Planet Home Lending has such predatory practices to deceive customers into thinking that they don't need to make a payment and then tacking on late payment fees and threatening people with sending them to collections. This company does not care about it's customers and the worst part is the consumer has no choice on who is servicing your mortgage loan so as to avoid predatory businesses like this one.
|
| 05/31/2017 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After looking over my credit report, I noticed that there was a listing on credit report for a company by the name of XXXX XXXX ( on some credit report s ) & Planet Home Lending ( on others ), which ar e one in the same. I noticed that they have me opening a loan with them in XXXX XXXX , in which I have never opened a loan with them. My initial loan in XXXX XXXX , was with another company as shown through the recording information via verifiable proof on t he Hillsborough Clerk of Court 's website, where all recording for mortgages and the like are shown. I immediately contacted XXXX XXXX /Planet Home Lending and s poke with XXXX and explained to him the problem. I have contacted several people since that time, XXXX who represented herself as the supervisor as well as advised her of the situation, XXXX , and I finally got fed up and sent an email to XXXX XXXX on XXXX XXXX , XXXX who is shown to be the President of XXXX XXXX t/Planet Home Lending, with no response or acknowledgement. In the email I detailed my complaint as well as provided screenshots of their listing on each of my credit reports. Since I had n't received a response, I sent a follow up on XXXX XXXX , XXXX , still no response. Mind you, I was following up with customer service between these dates to see if maybe the email had been forwarded to another department to handle, but it had not been. I kept calling and spoke with XXXX again and explained this issue to her again, in which they are inaccurately reporting and explained I had not heard from their president in regardings to my issue. I forwared XXXX the email I sent to XXXX XXXX at her request and she was to look into the issue and call me back. I learned after speaking with representative, XXXX today that per their credit department, they are accurately reporting and this is not true.
|
| 08/13/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
The mortgage ( Planet Home Lending ) company forgot to pay our first tax bill causing that one to be delayed. And then they didn't catch up on our second tax bill, so then our second one for this year was delayed and we were charged interest. Additionally On the escrow accounting they made us pay from our escrow that interest due to the error they made. We have been delinquent in our taxes our entire first year of home ownership, However, we have been paying the monthly payments according to our bill the entire time as agreed. I am current on my payments. Apparently, they messed up their accounting, according to a letter they sent me and now they say I need to pay them even more money to get on track. How can I owe them even more money due to their error? I checked my escrow account there was more than enough money to cover the latest payment and a balance in there. I can't speak with anyone physically at this company. I feel like something shady is going on. I gave them all my money into Escrow trusting they would pay the taxes as agreed and they have yet to make a single payment on time. Also they are now saying some surplus check they sent us in error months ago we have to give them MORE money to fix it? However, our tax bill is already paid now, which is great but none of these bills make sense. They need to be investigated under violations of RESPA. I am asking for your help because not a single human has returned our multiple calls. All I have gotten are letters and not a single human has called me or my husband to explain. We've called numerous times and requested phone calls back and no one has called or attempted to call either of us back. What are we supposed to do when we are paying as agreed and they keep paying our taxes and other bills late and messing the accounting up on our escrow. Please help us. This can't be legal whatever is going on here.
|
| 06/14/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Planet Home Lending is the current Loan provider for my personal VA loan. My house is on the market and another Veteran is interested in assuming the VA loan for my home.
I called Planet Home Lending to verify the assumption process and find the next steps. ( XXXX ).
The customer support collected the potential buyers information, then told me the process could take up to 6 months to complete, per their internal policy.
I called their company again ( XXXX ) to verify the 6 month process, and their front facing customer support personnel ( a new a different person ) told me the same thing. They refused to elaborate on the process and told me that was their policy. After I informed them I would be taking this up with the state, VA, Consumer finance, and a personal XXXX complaint ; they proceeded to " review '' their policy for 20 minutes. Then they told me their policy was actually for a 2 month turn around for loan assumption processing.
The VA has policy out since XX/XX/2023 ( Circular XXXX ) that makes this a 45 day process for loan providers to move VA assumptions. It also states that if it takes longer than that, we are authorized to request VA involvement, and possible shifting of loan underwriting to the VA.
this company has a customer support policy to tell veterans unrealistic and scary timeframe turn arounds on beneficial programs, that would save Military and Veteran personnel financially. It directly support the Loan industry to scare veterans from a lengthy process. If I did not press the issues and call the VA, and instead just pushed their policy to the potential buyer, I may have lost that potential buyer.
This is predatory in nature, and the fact that two separate customer support personnel gave me the same information up front, but had follow up information after pressed, shows a disregard to the VA policies and to veterans.
|
| 10/17/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
In XXXX 2016 Planet Home Lending XXXX XXXX ( PHL ) aggressively pursued us to refinance our home ; we were not interested in a refi nor did we need to. PHL still pursued us. We finally opted to refi with PHL as they are our current home lender bought by our recent home purchase transaction. Our loan payoff amount at the time PHL contacted us in XXXX 2016 was approx. $ XXXX with a home valuation of $ XXXX that they made us pay {$500.00} up front in XXXX 2016 for an appraisal report. We responded with a roll-into amount of appx. $ XXXX that included student loands and XXXX credit cards. PHL responded with a 3.5 % APR for 30 yr fx. and that our closing costs would be apx. {$3500.00}. We accepted. We immediately complied with all submittal requirements to lock in that rate. We did not hear back from PHL for more than 3 weeks until WE pursued persistently for status updates. Once we finally made contact, we were told that the rate was never locked in but they would give us a new rate at 3.625. We were bounced back and fourth between several people who claimed to be managers ; none of whom returned our emails or phone calls. ( XXXX XXXX NMLS : XXXX XXXX, XXXX XXXX t : XXXX, XXXX XXXX ( the claimed Manager XXXXXXXXXXXX XXXX ). We have an extensive email trail of us trying to get answers and are happy to forward them all to you for validation! More than 3 months worth!
It is now XXXX and all the rates and closing costs we were originally advised have since been changed. AND we are now told that our closing costs are more than {$11000.00}!! What?
We have been violated, disregarded and ignored for over 3 months! Our credit report has been accessed ; we overpaid on 3 months of interest on our mortgage, credit cards and student loans and are now out {$500.00} for a home appraisal due to PHL 's incompetency! Our lives have literally been put on hold!
|
| 11/17/2016 |
No |
|
- Settlement process and costs
|
|
Web |
Older American |
|
XXXX - XXXX, XXXX, CO XXXX closed his refinance on XX/XX/2016. I have attached the original final CD sent to the Title Company XXXX XXXX XXXX XXXX XXXX. It indicates that the client was to receive {$500.00} cash out at closing. The loan did not fund after the 3 day right of recession as the lender, Planet Home Lending indicated that the client was not going to get {$500.00} cash out. According to their Funding Manager, Regional Sales Manager and Account Executive the original final CD was in error and all the client was to get back was {$14.00}. Planet Home Lending said that they never sent the original CD with instructions and that the title company closed the loan on those numbers incorrectly. After days of communication ( phone calls/emails ) between Title - and Planet Home Lending they finally agreed that they had sent the original final CD by the Funding Manager but stated that they would not fund on those numbers and required the client to sign a new CD ( dated XX/XX/2016 ). This was 7 days past funding date. We were told through a conference call that they ( Planet Home Lending ) would send the client a check for {$480.00} on Monday the XX/XX/XXXX. As of today the client has not received their {$500.00} cash out as per the original CD. I believe this is a violation of TRID.
The title company never received new closing instructions until 7 days after original funding date and with no explanation to either the title company or the client as to why the change. In reviewing the documents it is apparent that Planet Home Lending incorrectly placed the Principal Reduction in the wrong column.
As the Mortgage Broker for XXXX he is asking for our assistance in receiving what he was promised. Please advise if he is entitled to the original cash out of {$500.00}?
Attached : XXXX XXXX - acknowledged by client Subsequent CD - dated XX/XX/2016
|
| 06/24/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX I decided to do a search of information and documents on my home. The reason I did this is because I have been divorced from my ex spouse for 9 months now and I haven't got my buyout for her keeping the house. I found in my search that she has refinanced our house for the 2nd time that I didn't know about back in XXXX of last year and got {$18000.00} and I have not seen a dime of that money or the money before. When I first found out that she refinanced the house without my knowing or my permission and signature, I contacted Planet Home Lending the company that we have the mortgage through and told them what I had found out and I wanted answers of how this was done. This was maybe around XXXX or XXXX of 2021 maybe a little earlier or later when I contacted then. Unfortunately I do not have that email address anymore or I would have the email I sent them. Up until this time I have not got any response from Planet Home Lending regarding this. I contacted them prior to this on XX/XX/XXXX letting them know who I was and that I needed all the paperwork regarding my property because me and my ex spouse is no longer married and they replied on XX/XX/XXXX and said my email didn't match their records and had me give then my new email address so they can update it. They never emailed me back before I sent them the email on the XXXX letting them know what I found out and I told them that I would file charges if this was not fixed immediately because I have already in the past brought this to their attention. I still have not got a response from Planet Home Lending as of today. I have done my research and know for a fact that they have done illegal activity by refinancing this house without my approval twice. And I don't know how she even cashed this check with both of our names on it. I want everyone involved held accountable.
|
| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet has repeatedly made errors In the servicing of our mortgage, putting our credit at risk. We have NEVER missed a payment or paid late. We attempted to accept forebearance due to covid, but due to Planets extreme negligence, we opted out. Planet then set up double payments in error. When I tried to have Planet stop the incorrect double payment, they said they couldnt stop their error and asked me to talk to my bank to stop the double payment Planet set up in error which I did.
Most recently, on XX/XX/XXXX, planet reversed an entire mortgage payment and placed a cleared payment in their suspense account without my knowledge or consent. I called on XX/XX/XXXX when I noticed the error and the unknowledgable rep could not answer my questions or tell me who placed the payment in suspense causing a late payment.
She moved the payment from suspense and told me what I owed.
I paid using acct ending in XXXX on XX/XX/XXXX. I REPEATEDLY ASKED TELL ME WHAT WE OWE SO I CAN OAT RIGHT NOW BECAUSE YOUR ACCOUNTING IS ALWAYS WRONG. She had trouble telling me what we owe. It took a long time for her to forgive it out. Once she told me the amount, I paid over the phone. The Planet representative said No further amounts were due. The money cleared the account XX/XX/XXXX and was never returned.
Planet then proceeded to send me a statement on XX/XX/XXXX saying I owe {$2700.00}, and another statement dated XX/XX/XXXX saying I owe {$5300.00} and change. They then sent me a letter for assistance with foreclosure or non payment, even though we did not owe anything. They cant keep track of accounting.
Then I received a call XX/XX/XXXX saying I owe {$5300.00}. I lost it. They have no record of my XX/XX/XXXX payment which has cleared my account. They have misapplied my payment again!
PLANETS SEVERE NEGLIGENCE IS PUTTING OUR GOOD CREDIT AT RISK.
|
| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX we received a letter from Planet Home Lending that the servicing of our mortgage was being transferred to them. On XX/XX/XXXX I did receive a bill from our current servicer, XXXX XXXX XXXX, stating our mortgage payment is due with them on XXXX. I called XXXX and asked who should I pay since the loan was being transferred. XXXX stated over the phone that the transfer to Planet Lending would be official on XX/XX/XXXX so I could pay them for the XXXX payment.
Today, I received a letter from Planet Home Lending for the XXXX payment. This letter was actually address to our previous address ( home we sold after buying our new house ). I called Planet Home Lending today and talked to XXXX ( employee ID XXXX ) trying to figure out what was going on with the servicing. He told me there was an error with 24 loans, mine being one of them, that Planet Home Lending does NOT actually have the servicing rights to my loan. I asked for him to provide that in writing but he refused and then hung up on me.
I called XXXX XXXX XXXX right after and talked with XXXX ( employee ID XXXX ). She stated that Planet Home Lending IS going to be our servicer which is the exact opposite story.
So the issues are : -Planet Home Lending refusing to provide any documentation to verify that we do NOT have an account with them -Planet Home Lending sending communication to an invalid residential address -If Planet Home Lending was sent our information by mistake that is a privacy violation since they now have our SSN/DOB/address/etc XXXX Loan Servicing either incorrectly sending our information to a third party OR not having their records correct I've never had a late payment in my life, I'm licensed with the NMLS for my job so can not have any derogs on my credit, and concerned about our private info.
Who services my loan and who do I pay!?
|
| 01/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This Complaint is in regards to loan # XXXX with Planet Home Lending.
The loan was transferred to Planet Home lending for servicing on XX/XX/2020 as none-escrowed loan as represented in the closing disclosure document from the original lender XXXX XXXXXX/XX/XXXX. See attachment 1 - Loan XXXX Closing Disclosure.
On XX/XX/2020, I paid my property taxes to XXXX XXXX Treasurer Tax Collector as the loan is none-escrowed. See attachment 2- Loan XXXX Property Tax Payment.
On XX/XX/2020, I received XXXX monthly mortgage statement from Planet Home Lending claiming they paid property taxes on my behalf on XX/XX/2020 and added an escrow advance with negative balance of {$2800.00} to my account even though the account is none escrowed. See attachment 2 - Loan XXXX XXXX statement.
I confirmed with XXXX XXXX Treasurer Tax Collector that they have never received any payment from the lender on my behalf and the only payment they received is the one I paid online myself.
Since then, I have called the lender more than 5 times in separate occasions and explained the error multiple times to different customer service reps and emailed them copy of the closing disclosure showing the loan is none-escrowed. However, they are refusing to remove the escrow advance negative balance from my account. In fact, the negative balance still shows on the most recent statement and annual form 1098. See Attachment 4- Loan # XXXX XXXX Statement and 1098 Annual Statement Im currently in the process of refinancing the loan with another lender and afraid that Planet Home Lending provide misleading payoff letter to the new lender showing I have negative balance of {$2800.00} on my escrow account which will be added to the new loan balance.
Please protect me against this lender fraud that going on for over 2 months with no resolution from the lender.
|
| 12/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My wife and I work on XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX world.
About XXXX XXXX of our XXXX are in Florida and a good majority of them in the Florida XXXX area. In XX/XX/XXXX, Hurricane Michael effected about half of our commission business and houses that were supposed to be closed were damaged, destroyed or delayed due to the hurricane and subsequent flooding.
reached out to my mortgage lender and auto loan companies for Hurricane Relief.
All auto loans are now fine, they all granted relief and regular payments resume on XX/XX/XXXX and we are excited that are sales are up and income has been restored.
We asked over 2-3 months ago for relief with our FHA mortgage payment and call, send documentation, call, send documentation, now they are wanting bank statements from my adult son 's account ( not on the loan ) where he loaned me money via bank transfer, etc ... Although in Hurricane relief they are reporting late to the credit agencies and their collections department keeps calling me simultaneously to the hurricane relief consultant asking for more data which we keep sending.
They promised that on XX/XX/XXXX, we can catch up by making 1 1/2 payments per month, but could not put the missing payments on the end of the loan ; yet that still has not kicked in as well. They seem to be confusion Hurricane Relief with non willingingness to make payments.
We are ready to go based on resumption of our business/income to make the 1 1/2 payment on XX/XX/XXXX ; if this is what they need ; although, noone there seems to be processing this.
Please help them get organized. They have so much documentation. Past year 's tax returns, XXXX 's ( we are XXXX XXXX XXXX XXXX, etc ) This is not a preforeclosure modification, just asked for Hurricane Relief per federal guidelines.
Thank you for your help.
|
| 07/09/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
This complaint is against Planet Home Lending. We took a forbearance in XXXX for our mortgage. They accepted our forbearance but marked our credit reports as late throughout the entire time of the forbearance. I inquired about this and was told that we were not current in our mortgage payment in XX/XX/XXXX due to a returned check. We weren't current but they still took us for forbearance. I also was told that when we did the Loan Modification in XXXX of XXXX we had not brought the payment of {$1100.00} current so the late payments had to remain.
My husbandXX/XX/XXXXduring the covid pandemic, and that was XX/XX/XXXX. I didn't realize we had a returned check until months later. I thought that since they accepted us for forbearance we were current and in good standing.
We made the payment of {$1100.00} to make up for the XXXX late payment in XXXX of XXXX. Planet Home didn't acknowledge that we made that payment and indicated in a letter to me that we were behind in our payment of {$1100.00} at the time of the Loan Modification which isn't true. I have spoken with representatives at Planet Home Mortgage about them saying we didn't make up that payment when we did and was told it didn't matter.
Planet Home Lending knowingly granted a forbearance to us when they knew we were not current on our mortgage it appears to me.
It was several months of getting my husband back healthy after hisXX/XX/XXXXand XX/XX/XXXXXXXX. I can document all of this if needed.
So in short, Planet Home Lending granted forbearance knowing we were late in XXXX with a returned check. When I inquired about the late on the credit reports I was told we had not made up the late for XX/XX/XXXX of {$1100.00} BEFORE the loan modification of XX/XX/XXXX. That is not correct. That late was made up in XX/XX/XXXX.
Thank you.
|
| 06/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Several issues in dealing with Planet Home Mortgage. In XX/XX/2022, apparently I received a letter stating that I was short in escrow. I didn't receive this letter ( rightly so with the low staffing and issues around mail ). A few months later, I got calls saying that we were short because I never paid the short fall from the escrow shortage so my monthly payment went up ( which I didn't know ) and only paid my previous monthly payment. I was short a XXXX XXXX XXXX dollars. I ended up paying the balance shortage and I was told by a manager that my payment will go back down. She requested a tax audit to review this and I would hear back soon. I got a bill in XXXX stating my XXXX payment even went higher. HOW? SO I called and the technician could not figure out why so he was going to have someone call me back. It is now XXXX and I haven't heard anything and my payment is higher than it was before the escrow shortage increase after I paid over $ XXXX to decrease that. Last week I learned something that Planet Home apparently has been paying 2 insurance companies which caused my escrow to fall short ( my insurance that i authorized was XXXX ). They were paying XXXX and randomly XXXX XXXX was sending them bills and they were also paying for that as well. so no one raised a flag on why for 2 years they were making 2 insurance payments to two different companies. Now I've been charged several late fees and still have a high monthly amount and now I have to fight with XXXX XXXX to return 2 years of insurance payments when I NEVER authorized them to take over. Planet Home Mortgage has been nothing but issues since the refinance and someone at the highest level needs to see the horrible things that have happened and the several late fees that they have charged because of their incompetence.
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| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a home with XXXX XXXX, who sold my loan to XXXX, who then sold it to Planet Lending within the first 6 months of home ownership. I was never notified by phone or mail that my mortgage was sold. I had my mortgage payments auto drafted out of my account and I can attest to every payment being sent, and on time. I have provided this information on 3 occasions to Planet Lending. I have provided cleared check pictures from the bank. XXXX XXXX forwarded my payments, XXXX also forwarded the one payment they were responsible for. I have included XXXX and XXXX, who have provided dates and cleared check pictures from my bank of when the payments were forwarded to Planet Lending.
I have been in contact with numerous XXXX representatives since XXXX and still do not have this issue resolved. However, they continuously call in regards to default. Planet has placed payments into suspensory accounts, Escrow, and applied payments to mortgage insurance, which we do not even have. They continuously tell me to call back tomorrow, or they are opening a review on my issues, that they are reviewing reversing the misapplied payments, and late charges. I have also asked to reverse the negative affect this has had on my credit score. XXXX XXXX it was a XXXX and now it is a XXXX. I was in an accident and total lost my truck, and once my cervical fracture heals, I will need to buy a new truck. With this credit score I will be unable to purchase another vehicle, which will affect my ability to return to work.
I have notes regarding conversations from the following dates : XXXX XXXX XXXX Unknown date Unknown date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXImmediately XXXX Absolutely nothing has been resolved and the credit scores of both parties on the mortgage are continuously being affected.
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| 12/22/2015 |
No |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX of XXXX, my son was being treated for XXXX. I called the mortgage company, Planet Home Lending, and advised them that it would be difficult to make a payment because my son was sick. I asked the mortgage company if they offered any kind of service that allowed me to make a reduced payment that month.
They told me that I should not worry about anything, because I could simply make a double payment the next month and everything would be ok. The next month, when I attempted to make a double payment, they told me that they were no longer accepting my payments because they had placed me in foreclosure.
When I advised them that someone told me to simply make a double payment, they told me that they would no longer accept my money, and that instead I should apply for a loan modification.
They sent me the paper work, but everytime I submitted it they returned it to me saying that documents I had already submitted were missing. In the meantime, I was served with foreclosure paperwork.
When I called Planet Home Lending to inquire about the foreclosure lawsuit, they told me it was nothing to worry about. Planet Home Lending said it was all taken care of for me and that I should not attend court because there would be no foreclosure.
I continued to attempt to make mortgage payments and to finalize the loan modifications, but Planet Home Lending refused to work with me. On Thursday, XXXX XXXX, the mortgage servicer foreclosed on me and set a sale date for XXXX XXXX, XXXX.
This is a XXXX loan. The servicer refused to work with me. They purposefully lied to me. They told me to not attend court. They refuse to handle my loan modification properly. I have sick child, and I can afford my mortgage, yet they are refusing to work with me and are attempting to sell my house.
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| 10/31/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My loan went into forclosure due to an issue with a divorce. Once I got that out of the way I filed for bankruptcy and put the house on the market for sale. I got a full price offer within 15 days and went to set up closing on XXXX XXXX, 2016. My title company requested closing documents from Planet Home Lending ( my mortgage company ) on XXXX XXXX. When we got to XXXX XXXX, and had not received closing docs we called Planet home Lending who said they see they received the request but ca n't find it. Please resubmit. So we changed closing to the XXXX of XXXX and resent request. We never heard back again so on the XXXX we called and they said we would have in the morning before my title company got in the office. We are calling and emailing everyday at this point but only being able to speak with customer service and they would not let us speak with the closing docs dept. so long story short we have had to cancel closing 4 times. We are set for closing now on XXXX XXXX but seems like we are not going to get closing docs. I have had to allow buyers to move in home with free rent for almost a month now and I have had to pay electric and water to not get them to pull out of sale. They said if we do n't close XXXX XXXX which will be the XXXX time we have cancelled closing due to not having closing docs. So I have had to get charged for an extra month of mortgage, extra month of penalties and fees and the rent, electric and Water and now I may lose the entire sale. I feel because I have so much equity in the home that they are trying to sabotage the sale of the home so they can foreclose and repossess the home. I was told there was a law that gave mortgage company 7 days to give pay off. We have been waiting almost XXXX now with no end in sight. Please help!
XXXX XXXX
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| 07/29/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/2023 I called our loan servicer and asked to speak with someone who could help us with our loan due to my wife and I both having XXXX twice and me with long term effects. I was offered a 90 day forbearance and told no payment would have to be made until XX/XX/2023. I asked if XXXX 's payment included and was assured that XXXX - XXXX payments were covered. On XX/XX/XXXX we received a default notice from Planet Home Lending. I called and was advised that the covid forbearance ended XX/XX/XXXX at sundown. We never were sent anything advising us that Planet Home Lending denied the forbearance on XX/XX/XXXX. We were never late on any payment or have missed any payment until Planet Home Lending guaranteed us a forbearance, and they have refused to accept their responsibility, have threatened us with foreclosure, have been very unprofessional by threatening us and constantly calling my wife at work after they were advised that she can't have personal calls during work. We were denied our lender information and when we asked for copies of our phone recordings since XX/XX/XXXX, we were told we would need a subpoena. We were told that they would pull the phone records and investigate if they did guarantee our forbearance and a manager would be in contact with us. No manager has contacted us. I've had to request a manager only to be put on hold for long periods of time and then be transfered to another collector. We received a notice that Planet Home Lending could start foreclosure proceedings on our home and to contact XXXX XXXX who is now to be our single point of contact however, we receive calls from collectors asking why we are in default and refusing to transfer the call to XXXX XXXX and again start with threats of damaging our credit and loss of our Home.
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| 05/25/2023 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/2023 payment was made on XX/XX/2023 cleared our bank on XX/XX/2023 and returned by mortgage company on XX/XX/2023 with no explanation. Made a phone call to mortgage company on XX/XX/2023 was told on a recorded line that payment status was fine, and did not show returned payment. Paid the XXXX payment again of XX/XX/2023 cleared our bank on XX/XX/2023 and then was returned by mortgage company again on XX/XX/2023. Paid the account again on XX/XX/2023, cleared our bank on XX/XX/2023. XXXX was again returned this morning XX/XX/2023. Called the mortgage company again, and they are claiming it was because of insufficient funds, however our bank is not returning or refusing payment, as plenty of funds are in the account to cover the payment. They are now refusing to take any payment from us for either XXXX and now XXXX, and our online account shows " misplaced funds '' and will not allow us to make any payments on the online system. They reported us as 30 days late back on XX/XX/2023 when the payment isnt even due until the XXXX of the month. This is the second time in 6 months that they have report to the credit bureau 's of us being 30 days late on payments that we were not late on. Mortgage lender has defaulted 4 times in less than a year to pay our insurance out of the escrow funds in a timely manner, which has raised our cost of insurance due to poor payment history. The mortgage company refuses to resolve this matter, and refuses to allow us to speak to a supervisor. Now they have made it impossible to pay anything on the account. Bank statements can be provided, along with a letter from our bank proving that our bank not only did not refuse to honor the payments, but they did honor them, and the mortgage company re-deposited the monies to our account.
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| 11/19/2015 |
No |
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- Loan servicing, payments, escrow account
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Web |
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This complaint is in relation to Planet Home Lending Mortgage Company. I have been charged additional fees up and above my regular mortgage payment for the XXXX time this year. I went through a loan modification XX/XX/XXXX and it is currently XX/XX/XXXX and I continuously am being charged fees. I have called Planet Home Lending customer service and they ca n't give me a straight answer. XX/XX/XXXX they charged me a fee of {$34.00}. Their explanation was that it was in regard to my loan modification and was a fee that was not paid. I reluctantly paid. Then XX/XX/XXXX I was charged a fee of {$51.00}. When I called to inquire, they were not sure what the fee was for and they credited my account, but left a fee of {$3.00} which again I paid. XX/XX/XXXX they again charged me another fee of {$46.00}. Again after speaking to them, they corrected the fee. Now, I received my XX/XX/XXXX statement and another fee for {$17.00} has been charged to me. I am very frustrated with these fees almost every month. I called and inquired about this fee and they said it was a fee for a XXXX drive by '' that was conducted during my loan modification process XX/XX/XXXX. A year and a half later and they are charging me for someone to drive by my home to check if it is occupied. I am tired of taking time to inquire about these extra charges for all these months. I feel I am being penalized for obtaining a loan modification and they continuously are finding some kind of fee to charge me above the regular mortgage payment. Is there anyone that can look into this company? Maybe conduct an audit and check if this is happening to other customers. I received a loan modification in order to afford my monthly mortgage, but the fees they keep assessing is not helping me what so ever.
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| 06/18/2023 |
Yes |
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Web |
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I am already seeking law advice from a firm, however, PHL has crossed incompetence and floated itself past unprofessionalism and into criminality. Since XXXX we have been told that ALL information related to the assumption of our loan by a buyer ( new divorcee ) was received and collected. Since XXXX we have been told that we were 1-2 days from the closing document, outside loan companies have wired closing money 3x times thinking our closing day was here. Only for PHL to not return calls or say anything for a week. There is not a single employee who can be trusted for their word or anything they say. I have already filed two complaints through XXXX against PHL. Last week I asked for a contact back on what is going on. The head of the XXXX XXXX, XXXX XXXX, conveniently called within an hour of XXXX sending them my complaint. Unfortunately she has not responded nor did she call me back when she said she would. I find myself without the ability to discuss the nearly $ 800k loan I own with Planet Home. I want XXXX to call me back and explain to me where my lawyer can send his letters. I also need to know if XXXX qualifies as a " party '' for PHL or if the complaints to the Consumer Financial Protection Bureau should name PHL in general. The criminal elements include discrimination based on gender ( we believe they would not have turned this process into what it is if the wife was buying my house ) and the damages they know they are causing. I have a XXXX XXXX XXXX child since this process began to play out, currently relocated from XXXX XXXX XXXX blew up the original house purchase ( forfeited $ XXXX in earnest money ) in XXXX due to this, most likely going to lose any future purchases based on this issue. Homeless with a XXXX XXXX because of PHL.
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| 12/08/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Due to the lack of urgency, Planet Home Lending LLC has failed the HOEPA law for home owners ' fees and late payment reporting.
We will be contacting the CONSUMER FINANCIAL PROTECTION BUREAU, providing us another legal branch.
We have volumes of emails, notes and proofs of payments with Planet Home Lending , LLC.
Planet Home Lending 's predatory solution to moving from XXXX XXXX forbearance, to a COVID forbearance, is a substantial increase in a mortgage payment and no guarantee that Planet Home Lending , LLC is able to properly appropriate those mortgage payments. To reiterate, we were in the process of securing a refinance of our Planet Lending, LLC mortgage when AGAIN you negatively reported to the credit agencies!
As an FHA mortgage holder we possess extra protection from your predatory actions ; we have MORE options for coming out of a forbearance that a standard mortgage holder.
Law so states, Planet Home Lending , LLC has responsibilities to provide ALL options ; to correct ALL negative credit reporting ; AND to take-on the responsibility to track-down LOST PAYMENTS AND APPLY THEM TO OUR LOAN. Natter, R. ( n. d. ) Home Ownership Equity Protection Act of 1994. American Bar.
We will be including in our report to the CONSUMER FINANCIAL PROTECTION BUREAU the lack of any response from you, XXXX XXXX, and the individuals that are involved in Planet Home Lending 's void offerings for solutions to LOST PAYMENTS, LOST ESCROW PAYMENTS, LYING ABOUT FORBEARANCE SOLUTIONS AND CONSISTENT INABILITY TO RESPOND TO OUR EFFORTS TO MOVE FORWARD.
We are requesting, on behalf of the CONSUMER FINANCIAL PROTECTION BUREAU, ALL the phone call recordings relating to our loan. This is part of the discovery for the CONSUMER FINANCIAL PROTECTION BUREAU.
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| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I placed a complaint previously and the mortgage company did not do anything to correct it. The mortgage company basically regurgitated the same information I provided without acknowledging we have already paid the FULL YEAR of property taxes. I paid XXXX XXXX a full amount of {$3000.00} in XX/XX/2023. Planet Home Lending also attempted to make this payment, but XXXX XXXX refunded that payment to Planet Home Lending.
I am enclosing screenshots that show we do not appear to have been in any 'shortage ' as Planet Home Lending would like to say. We were told our payment for XXXX would be {$1000.00} due to a shortage of {$1000.00}, yet we were sent a check from Planet Home Lending ( PHL ) for an 'overage ' of {$330.00}. If you subtract our regular payment of {$670.00} from the XXXX payment of {$1000.00}, that leaves {$330.00}. If you subtract the payment we received from PHL as 'overage ' of {$330.00}, that leaves {$2.00}. PHL 's math makes no sense- especially since we are exempt from property taxes as my husband will never NOT be a XXXX veteran.
I am enclosing screenshots of everything. I want the FULL REFUND OWED TO US.
Further, I will break it down to even more simpler terms that I hope everyone can understand.
The property tax bill was {$3000.00}. Person A ( me ) paid throughout the year to my mortgage company to cover this bill. Person B ( PHL ) has my payments sitting in the account. Person A went to the tax building in XXXX and paid a full amount of {$3000.00} for the year. Person B also tried to send a payment to the tax building that was REFUNDED TO THEM as it was already paid by person A out of pocket. Person A has literally paid this bill TWICE which means Person B owes a refund to Person A in the amount of {$3000.00}.
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| 10/05/2023 |
Yes |
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- Trouble during payment process
- Fees charged
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Web |
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The mortgage company made the same mistake twice. My payment came late because they pulled from the wrong account which had insufficient funds. I had automatic payments setup. I called multiple times before during and after the processing of the money.Before, I would call to verify what account it will be taken out of, and they would tell me account # XXXX the account I want. Then on payment date they take money from account # XXXX. During the time period of the processing they would tell me my mortgage is paid, and I dont have to worry. A few days later I would get a mail saying my payment is late. I called again to get that payment arranged from the right account. The first time they waived the late fee. In that call I asked which account it will be taken from for the next mortgage payment and they tell me it will be from account # XXXX the account I want. a few days beforehand I would call to verify that. They made the same exact mistake again. Processing seems takes about XXXX days it I would receive a mail until about XXXX days later that my payment is late because they pulled from the wrong account. The second time, after seeing them pull from account # XXXX. I literally had to drive over to pull money from account # XXXX and put it in account # XXXX. It seems it was not accepted in time or something because I still got mail a few days later of a late charge. I called many times, and I just spoke to a manager now and he says they dont have notes of all this happening. They only have notes of when my payment was made, being late and waiving the first fee. They said they can not do anything for me for their mistakes, and making the same mistake twice. They ( Planet Home Lending ) are still charging me a fee for their mistakes.
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| 02/22/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XX/XX/XXXX I was behind {$4600.00} and received a statement. Planet Home Lending continued to accept our monthly payments as I had informed them of a year end bonus I could use to catch up on payments. I was still in chapter XXXX at this time and did not receive any more statements from planet home lending until after XX/XX/XXXX. In XX/XX/XXXX I converted the Chapter XXXX to a Chapter XXXX. At that time Planet home lending sent me a notice dated XX/XX/XXXX that I was now {$15000.00} behind in payments. I immediately called to try and understand what had caused the payment to jump so high. I was informed by Planet Home Lending they had found record of some " missing payments '' it was not and has not been disclosed if it is related to the chapter XXXX. At this time Planet Home Lending refused to accept our regular payment, demanding the {$15000.00} at one lump sum. When I entered into Chapter XXXX in XXXX the amount behind was {$8000.00}. I remained in Chapter XXXX until all of the debt was made current and then converted to Chapter XXXX in XX/XX/XXXX. I have cashier checks issued from my bank with mortgage account number and Planet Home Lending Printed on the check as receipts for all of the payments made to Planet Home Lending from XXXX to XXXX. Also I have the form 1098 for all years from XXXX to XXXX showing that the payments were made and received by Planet Home Lending. So far Planet Home Lending will not provide a transcript of payments to show what payments were made and which were not. I will be forced to file Chapter XXXX again to save my house, hopefully this will reveal some kind of record of what payments are in question. Finding missing payments does not seem like a rational explanation from Planet Home Lending.
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| 01/06/2020 |
Yes |
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Web |
Servicemember |
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Planet home lending would not give the payoff to the law firm. On XX/XX/XXXX the law firm contacts me saying they need me to send in a request. On XX/XX/XXXX I sent in the request. On XX/XX/XXXX o called to verify and see where we where on the pay off request. I was then told they received the request but did not process it because I did not send in the authorization for the request. While out of town I write up a document and fax it immediately. I call back that same day to verify and Im told it is being processed. XX/XX/XXXX I spend most of the day on the phone with them. I called early in the morning and was told it is being sent out today. I ask for a email when its done, Im placed on hold then the customer service guy gets back on the line and tells me they never received the authorization. I ask how it can be sent out today like he said if the authorization was not there. He informs me I can take a picture of the authorization and email it, so I did. I was told it will be processed today. I informed them throughout this process that closing was happening on Monday and throughout this process I was told it will be sent out today. Now here it is XX/XX/XXXX and the realtor calls and says they are at closing and still have not received the the payoff. This information is not something that I can see on the website and the only contact with them is through customer service who can only email and wait for a reply. Now because of their incompetence closing is being pushed back. I can not proceed with paying off my VA loan and another XXXX is stuck not being able to move in. When I call Planet Home Lending I get the same scripted information saying its being done today. This is by far the worse customer service I have ever seen.
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| 04/13/2022 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX at XXXX I was notified by email that my homeowners insurance policy cancelled out due to non payment. When I purchased my home with another lender, they had me setup an escrow account for it to be paid out of. The loan was sold from that lender to my current one. Well my policy was due for renewal on XX/XX/XXXX, however due to an unknown data error on my current lenders side, my homeowners insurance was not paid and it was cancelled out. Once I was notified of this, unfortunately it was too late to take any action and therefore I lost all coverages with my old insurance company, and I had to bind in an emergency with another insurance with far less coverage for almost the same price. I sent in a notice of error to my lender on XX/XX/XXXX and I just received a response letter stating that yes there was a data error on their end, however they could not get my old insurance coverages back - unknown reason why. I called and they told me that its because I currently have insurance. I advised that due to their error I had to bind with someone before I defaulted on my home loan. They did some " further investigation '' and called me back and advised me that I should call my old insurance back, get a quote, and they will see what they can do if anything. I called my old insurance and well they can not do business with me as I have to go thru with my insurance agent. I am being given the run around and now I will be seeking legal advice on this matter as I know my rights as a consumer. If the lender defaults on their end they are supposed to be subjected to fixing the error at no cost to me. This is not the case for me and therefore will be further legal advice due to them not taking responsibility for their actions.
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| 04/06/2021 |
Yes |
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- Trouble during payment process
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Web |
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I have called planet home lending multiple times on this.
They have been double drafting my account since XX/XX/XXXX.
It has been a very confusing process getting payments set up on this mortgage.
When I first used the website almost 8 months ago and attempted to set up auto payment, I was prompted that it would not be possible without some sort of written consent, which I did NOT send in.
After I used the website, I called the customer number and asked about it, and was told that I did not have auto pay set up.
So I set up payments through the phone.
In XXXX, I ended up paying twice, and in XXXX as well.
Since I was 2 months ahead, and was credited as such, I held off from paying until XXXX.
When I called in XXXX to verify if there were any payments set up, I was told there was not.
So I set up payments over the phone again, for XXXX and XXXX.
In XXXX, two payments were taken out again, so I called planet home lending again, told them to axe the payment I request in XXXX, and I made the request for the payment to be axed on XX/XX/XXXX.
XX/XX/XXXX, they did the exact same thing.
When I called to ask about it, The customer service rep told me right away that I was set up for auto payments, and she was the first rep from planet home lending to ever inform me of that.
They have my email and mailing address on file, I verified it, and asked for specific, direct instructions to fix the problems their mis information in regards to my account was causing, and they would not provide the information, stating it was against the law.
I informed them at that point I would be lodging a complaint against their company, and may hodl the money in escro and refuse to pay until they have it resolved.
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| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX my mortgage company took it out {$1900.00} in my automatic payment which should have been {$1300.00}. When I called they realize that they had paid my taxes twice and also on my account projections for the next year it shows like they were going to pay my taxes twice again which is why my payment was so inflated. They received the money back that they paid on my taxes twice but they still have not fixed my account projections showing that they will pay my taxes twice again next year. Therefore my escrow payment for the next year is at {$740.00} a month instead of being at {$510.00} a month. As well as a shortage payment of {$110.00} which would not be there if they didnt project paying my home taxes twice. I have called at least 8x and talked to multiple people each time.Although they fixed part of it by getting the payment back from the taxes, they have not fixed my amount due to escrow because it still shows I will be paying {$5500.00} in taxes next year which is DOUBLE!! And they are telling me I have to still make the {$1900.00} payment for XXXX until they figure it out. My payment should be {$1300.00} a month. They already took an extra {$650.00} erroneously from me in XXXX by automatically taking {$1900.00} from my bank on a payment that should be {$1300.00}. Therefore my XXXX payment should only be {$680.00} to get caught up. Then going forward {$1300.00}. But all they do is keep transferring me to someone else until Im told it will be fixed in 5-7 business days. Ive been told that 4 times since XX/XX/XXXX. I have made automatic payments since loan originated so I have NEVER been late on a payment. But Im not paying anything until I know where my money is going and that it is correct.
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| 04/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Our loan was initially through XXXX XXXX XXXX, opened XX/XX/XXXX. We made payments mostly on time for 6 years, 8 months. We knew there was no way we would be able to make XX/XX/XXXX payment, so we requested, and were granted deferment when we made XX/XX/XXXX payment.
XX/XX/XXXX we were informed that our loan was sold to Planet Home Lending. Planet Home Lending refused our initial payment, as we were a month behind ( and they did not accept partial payment ). We informed them that we were given a deferment, and our account was current as of XXXX XX/XX/XXXX. They said they did not have to accept the deferment, and their records indicated that we were a month behind. We made arrangements to bring the account current, by making 4 payments, by the end of XX/XX/XXXX. Our final payment was scheduled for XXXX XX/XX/XXXX, and would have brought us current as of the end of the month.
In XXXX, we were informed that on XXXX XX/XX/XXXX, our loan was sold by Planet Home Lending to XXXX XXXX XXXX, which is a whole other complaint. We were told that there was no payment history with Planet Home Lending, and that we were in default, dating back to XX/XX/XXXX. We explained that we were in fact brought up to date whilst with Planet Home Lending. XXXX XXXX XXXX told us that we were going to have to get verification from Planet Home Lending. In numerous phone calls to Planet Home Lending, we've only been able to successfully get hold of someone once. The individual stated that they would send the proper documentation to XXXX XXXX XXXX, that day. We called XXXX XXXX XXXX, the following week, and were told that they had not received any documentation. In subsequent follow up calls, we are repeatedly disconnected.
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| 07/27/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I began the refi process with our current mortgage company in XX/XX/2022. By XX/XX/2022, we had still not gotten anywhere in the process so we canceled the refi and decided to sell our home. We are now under contract with our buyers and also under contract with a seller of our new home. The buyers lender is unable to order the appraisal because Planet Home Lending has not canceled the FHA refi. I have called numerous times to ask them to cancel. The manger in the XXXX department, XXXX XXXX told me on XX/XX/XXXX it was closed on XX/XX/XXXX. As of today XX/XX/XXXX it has still not been closed. I have sent many emails on XX/XX/XXXX as well as many calls to XXXX and his department and they refuse to speak to me. I spoke with 2 different people in customer service and they told me that the refi is still open and unfortunately I have to go through XXXX 's department to get it canceled and closed. I tried calling the XXXX department to speak to a different XXXX and a guy named XXXX answered my call. He said I needed to speak to the service department and transferred me in the middle of my sentence. Customer service was unable to assist since the XXXX is still open, she offered to transfer me directly to XXXX XXXX and when they did, they were told he would not take my call and that someone would contact me by the end of the day. They were just as baffled as me with the lack of customer service in the retention department and shocked they refused to take my call over what should be a simple fix. I have received no help with this company and it might end up costing me the sell and purchase of my new home. I have had my realtor contact them as well. The buyers lender has also gotten involved.
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| 09/22/2022 |
Yes |
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- Trouble during payment process
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Web |
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I made an online payment with the bank account information I have online which is my checking account as I mostly always do. So I was checking my account everyday there after to see if the payment had came out which it haven't, after a week or so I decided to call my mortage company to see if they had received the payment and the representative I talk to said the payment had posted, don't worried it will probably appear on your account. After a week or so it still hadn't came out so I called my mortage company again and the representative this time told me it had been reversed because of a close account which is not the account I used to make my payment. This only happens when we try to do a streamline refinance with our mortage company. We never have a problem until then. So at that time I schedule a payment to come out on XX/XX/2022 but it didn't come out until a later date trying to cause me to be late which was no fault of mines. I wouldn't had known the payment got reversed if I have not call my mortage company I didn't get a email letter or anything communicating with me about the failed payment. So I had been impacted by COVID-19 so I requested forbearance and the representative told me I have XXXX qualifying months left and told me I have to pay for XXXX and I want have another payment until XXXX, and that it wouldn't affect my credit report. Another week past by and I didn ' get any kind of confirmation so I called again to see if I needed to do anything else and they told me I had max out but wouldn't tell me how many months it takes to max out, I only used 9 months with 3 qualifying months left, so how can I be max out, so please check the partial claim it will verify.
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| 07/04/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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We took a second mortgage out in XXXX for an amount of XXXX. This loan was for our property improvements including fencing, grading, etc. In XX/XX/XXXX. We stopped paying due to the recession and medical bills of our XXXX XXXX. Just a few years later we tried and tried and tried to reach the lender who held the note.
No one was sending us statements and we could not get any response. In XXXX I met with an attorney and he was not able to locate the holding company of our loan. It wasnt until XX/XX/XXXX that we were notified by mail that our loan had been purchased by Planet Home Lending and that we were in default ( letter attached ) and need to pay the balance due with no payment plan. Then in XXXX less than 1 month later ( attached ) they demanded the {$360000.00} with a {$22000.00} penalty if we didnt pay it by XX/XX/XXXX.
We contacted them and asked how can we set up a payment plan and possibly refi the loan. They said thats not possible and you will have to deal with the holder of the loan XXXX XXXX XXXX which we were never provided a contact for. Fast forward to XX/XX/XXXX and we get notified by certified mail of NOD ( notice of default ) and that our home will be foreclosed in 90 days at auction.
How can this be happening? They have provided us no way to to keep our home.
How can this be fixed or some kind of repayment plan happen? They are trying to destroy us. Please help. This feels like predatory lending tactics. They are providing zero resolution options.This loan was done in XXXX. Is there any protection under Dodd-Frank rules or any other California options ?
Please note that XXXX XXXX is who holds the money and Planet Home Lending is the servicing company.
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| 03/02/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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XXXX I started the loan assumption process with my Mortgage Company. My loan assumption has still not completed underwriting. I have been told lie after lie about the process and customer service is not very good. It took the company over 2 months to send us the paperwork to even get started, then they mailed is to the wrong address, and then finally on XXXX we received the paperwork. Within a few weeks we all got the information together from both sides of the assumption and then mailed it to them. XXXX they received the package and then on XX/XX/ said they needed XXXX W2s from the assumers. The assumers turned in that information within the same day by email. Yesterday XXXX they told me that they just sent the documents that they received in XXXX to their underwriting that same day. Its just bizarre how long everything takes. The woman I spoke with through the companys customer service told me that the company only had 1 person on their team that did assumptions. This is a pretty large company and it doesnt make sense that this would be the case. They have a responsibility to do things in a timely manner and it is affecting my life dramatically. I cant afford my bills after having to pay for rent in the new city I live in and also paying a mortgage that could have been taken care of in a more reasonable time frame. It feels hopeless, every time I call, I get a run around and they never let me speak to the department or anyone who knows anything about the department. It is like this mysterious thing after awhile. I dont want this to happen to someone else who needs to sell their house, and they have to go through this XXXX. They were negligent in every facet of this situation.
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| 11/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Foreclosure
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Web |
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I have filled out XXXX requests and loan modification packets. XXXX they did not receive and ONE they were missing documents. I sent the missing documents to XXXX XXXX who was in charge of the modification department per her. I have emails to her direct email with the documents needed.
Since then planet home lending has put my home into foreclosure status and I obtained the assistance of XXXX XXXX XXXX to help keep my home.
I have had XXXX XXXX way calls between the XXXX companies and was approved for a tier XXXX medical loan. I have filed all documents needed.
My complaint is about the harassment from a process server that planet home lendings lawyer obtained. She has been to my property 3 times in XXXX weeks even though she was given the cease and desist letter. She told my sister in law today that everything behind her is about to be taken even the ground that she stands on. ( All on camera ) And that the sheriff 's will be out soon to remove myself and XXXX young children, XXXX of which are ill along with myself. I've also spoken to plant home lending 2 times in the last XXXX weeks. But it's the same thing over and over since this company lacks the presence of reporting notes and conversations with clients. Thus NO COMMUNICATION IS PRESENT WITHIN THE COMPANY.
I HAVE A CEASE AND DESIST ORDER.
I also have proof that they were given the information by myself about the PACE PROGRAM fraud on my house, with whom they are trying to sue as well. So they will never win that case in court.
I begged for there help when I found out that the XXXX company forged my husband 's name on forms to RENEW FINANCIAL in which I have an open case in the XXXX XXXX XXXX XXXX department.
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| 08/12/2017 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/XXXX PLANET HOME LENDING increased my mortgage from {$500.00} to {$1300.00} stating that they had to add insurance. I called and instructed them that my insurance the entire structure is covered by the homeowners association. I submitted the first set of paper XX/XX/XXXX after not getting a response I called and was told I submitted the wrong information. I resubmitted the proper information in XX/XX/XXXX and was also called by one of their agents i told him i am willing to pay my regular XX/XX/XXXX and XX/XX/XXXX payment he told me no it had to be the entire amount due.I called the insurance department on XX/XX/XXXX to see if everything was in order and was told that they received the proper paperwork but was not readable, we did a 3 way call to XXXX direct thats the company for the insurance paperwork and it was faxed again I was told by the agent { XXXX } that everything was good and by Wednesday everything be sent to escrow to complete. I kept calling and each time i called i was told something different until i got an agent named XXXX i told her the story and resubmitted the documation to her this was in XX/XX/XXXX and XX/XX/XXXX i had to submit the previous year insurance and once again i have to wait on escrow this was not finalized until XX/XX/XXXX and now i am being charged an additional {$3000.00} in foreclosure fee. All the information was submitted that was requested there closest office is 4 hours away and each time i call its a different agent answering its an XXXX number. I just think its crazy for their delays. I am now being punished and threatened with loosing my home. Now they are listing my new payments as {$520.00} they are still adding on.
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| 07/23/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My complaint is with Planet Home Lending. My VA loan was originally processed through XXXX XXXX XXXX, but was soon sold to Planet Home Lending. I made my first mortgage payment of {$1600.00} ( XX/XX/2021 ) to XXXX XXXX XXXX, which was then forwarded to Planet Home Lending in order to validate this payment. Today ( XX/XX/2021 ), I received a call informing me that my XXXX payment was never received, and that I was approaching 60 days of no and/or late payment which would be reported to the credit bureaus. However, I was also told on today 's ( XX/XX/2021 ) call that my XXXX payment ( XX/XX/2021 ) was applied to my XXXX bill. If this is the case then it would be impossible for me to have not paid for 60 days as only 23 days had passed. However, the greater issue at hand is Planet Home Lending not acknowledging the payment sent to them by XXXX XXXX XXXX. Today ( XX/XX/2021 ) I have confirmed with both my bank, XXXX XXXX, and with XXXX XXXX XXXX that my payment was received and forwarded to Planet Home Lending. During my call today with Planet Home Lending, the agent I spoke with refused to take any of the information I had regarding the payment that was received by XXXX XXXX XXXX, and also stated that Planet Home Lending would not be attempting to learn why my payment was not accepted or applied to my loan. The only reasons I can see that Planet Home Lending would perform business in such a way is they are either : 1. ) Stealing money from their purchased loans ; 2. ) Incompetently mishandling their held loans ; or 3. ) Intentionally refusing to interact with the loan seller after the sale is complete due to laziness, and therefore Intentionally mishandling held loans.
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| 06/09/2020 |
Yes |
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Web |
Servicemember |
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On XX/XX/XXXX my husband and XXXX Veterans started the process of refinancing with our current mortgage company Planet Home Lending. We have already completed the entire process of credit check, loan approval, house appraisal, termite inspection etc. During this entire process the Loan Processor seem unprofessional and would never answer her emails or voice mail in a timely manner. Although we were in the midst of COVID 19 we submitted all information and was given several closing dates original dates was XX/XX/12020, then XX/XX/2020 then again XX/XX/2020. At the last minute the Loan Processor needed to verify additional information for the underwriter which she had done weeks ago?
She requested pay stubs, job verification etc which we submitted promtly, I made several complaints about the processor and spoke to her supervisor and I was assured that these issues will be resolved and closing will happen on XX/XX/2020. Unfortunately due to COVID 19 my husband was laid off his job on XX/XX/2020, I then left a voice message and send an email for the loan processor and her supervisor to see what steps we can now take to continue the closing of this loan, to date no one has return our phone call.
We have also seek the assistant of a family friend who is also a Loan Officer and he contacted Planet Home lending about a week ago and he was told that the loan is in completion in the final stages and now they will not respond to him or us. We are frustrated and angry this company lack of professionalism has us at wit 's end and we can not get any answers.
Please assist as quickly as you can we have no idea what to do and/or if our closing will truly happen.
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| 06/14/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My wife and I have 2 parcels on the current mortgage. We live in a home on parcel 1. We wish to build a new home on parcel 2. To do so we need to have parcel 2 released from the current mortgage. Planet Home Lending ( after weeks of waiting ) sent us a checklist of items ( 10 ) to prepare and send back to them. When attempting to complete item 8 on the checklist, the appraiser we contacted informed us only the bank could contract an appraiser in our state. I advised Planet Home Lending of this on the phone on XX/XX/2019 and was told to just complete the other 9 tasks and they would handle the XXXX.
On XX/XX/2019 I sent the completed packet to Planet Home Lending. Their paperwork stated it would be a 4 to 5 week process.
On XX/XX/2019 Planet Home Lending deposited our check ( a fee for processing this partial release application ).
On XX/XX/2019 I spoke with " XXXX '' at Planet Home Lending. He stated their most recent notes showed they sent me the checklist but nothing further, they had not received it. I informed him my check had been deposited by his institution and voiced concern. After placing me on hold, he returned to tell me they did in fact have my application. I was also told it was still under review by the appropriate department.
As one can see, it has been longer than 4 or 5 weeks. Planet Home Lending deposited my check approximately 9 weeks ago and I have yet to see any action taken. My builder for the new home is kind enough to keep reminding me the prices keep going up. Planet Home Lending 's feet dragging and lack of action is costing me additional money as well as keeping my family from building and moving in to our new home.
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| 09/01/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
Servicemember |
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I was previously approved for assuming my soon to be ex-husbands VA loan with XXXX Bank but due to the divorce not being settled we could n't proceed with the loan until the divorce was complete. The divorce is almost complete so I contacted XXXX Bank to finish the paperwork to assume the loan. Unfortunately they sold the loan to Planet Home Lending so he was unable to provide me with the loan. So I contacted Planet Home Lending to assume the loan. I completed the paperwork and submitted it to them. The underwriters came back and said they would not approve the assumption loan due to a short sale in XXXX XXXX. I know from XXXX Bank that the short sale can not be held against you if it happened over 2 years ago and their waiting period was only 1 year so it was n't even an issue. But Planet Home Lending is using my short sale against me even though it is over the 2 year mark. This is discrimination and I am not sure why they are using this against me due to it has been over 2 years. I am also female and serve in the XXXX XXXX XXXX and am a XXXX. So maybe they are discriminating against me for who I am I am not sure but their excuse for the short sale does n't make sense since the short sale was XXXX XXXX and it is now XXXX XXXX. Please assist me in finding out what the real reason is why Planet Home Lending will not let me assume my soon to be ex-husbands VA Loan. I am a veteran as he is so there should not be an issue with the assumption, but I need an answer before we go to court so I know if I can ask the judge for the house or not. I can only get the house by assuming his VA loan and I can only due that through the bank that holds the loan.
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| 05/25/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am to the closing point of refinancing with a new lender and my current lender Planet Home Lending is falsely representing the status of the loan and preventing me from closing. I was in Temporary deferment when Covid-19 first hit for 5 months ending XX/XX/XXXX and the payments were to be tacked on the principal of the loan. I have the documents showing the deferment ended XX/XX/XXXX. Now that I am changing lenders for a lower interest rate they are forcing me to pay the deferred amount of {$11000.00} now inorder for my monthly statement to show I'm not still in deferment. I have been trying to work with Planet Home Lending since XX/XX/XXXX on this. I finally threatened that I might have to talk to an attorney just on XX/XX/XXXX, they had a threatening letter hand delivered to my door the next day the XXXX. A threatening letter saying I have to pay the {$11000.00} in full or alow them to place an additional lien for the entire mortgage amount or agree to have them place an additional lien on my home for {$200000.00} even though they hold the current note. I have my 12 month payment history showing I've made on Time payments along with my deferment agreement paperwork showing the deferment ended XX/XX/XXXX. I have worked in finance and this is worse than predatory lending this is using covid-19 to their advantage so they get to keep their high interest rate they're getting from me and a new lender can't approve when the old lender is falsely representing the status of my loan. Planet home Lending has received my request via email and phone calls regularly since XX/XX/XXXX and I've had no response until I threatened to speak to an attorney.
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| 08/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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in XXXX to XXXX i was in bankruptcy in XXXX i was suppose to pay my second mortgage payment at that time XXXX did not resume billing. after calling XXXX they said loan was sold to XXXX XXXX, XXXX XXXX is my first mortgage and said they did not have it. after exhausting all my resources my lawyer said it will show up on my credit report and never did. in XXXX i started my search again with no luck. no company could find this loan. in XX/XX/XXXX Planet home lending started to send statements at first i thought it was junk mail. there was no notice that this was sold acquired by planet home lending. so i reached out to the phone number to try to figure out if this is the loan or fraud with no results, there phone system can only help with payment hard to talk to someone about my situation. I have sent 8 letters trying to resolve this. its been 7 years since this loan could be found. and they are accelerating loan and i can pay the amount owed at the time i was out of bankruptcy i can not pay the amount owed now. its 3 times the amount. and says last payment due XX/XX/XXXX. this loan was paid XX/XX/XXXX by trustee. Holding the loan for 7 years and not being able to find loan nothing on my credit report is very deceptive if not fraud. planet home lending not talking to me is very unprofessional business practice there statement is not accurate fees exceed what is allowed. this would have been taken care of in XX/XX/XXXX if it could be found XXXX dollars not XXXX and i am still willing to pay XXXX that i owed. if forced back to bankruptcy this will not happen. that's where its going with planet home lending poor business practices.
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| 07/18/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My neighbors sued me starting in XXXX for a prescriptive easement over my property ( moving historical easement location ) and they added myself as a defendant and they added Planet Home lending as a defendant. I contacted Planet home lending and they said they were ignoring the requests for information and other court paperwork because the easement issue had nothign to do with them and they were not going to be involved. A few days before court in XX/XX/XXXX, I notice a 2 page submission from Planet home lending to the courts saying they have nothing to do with the case and have no judgement in any ruling with the easement as it does not affect their lein on the property. I was not notfied they were submitting this letter nor did I have any involvement in the 2 page submission. They already previously told me they would not help me and would not be getting involved.
I just received my monthly mortgage statement and Planet Home Lending has added a {$750.00} charge on XXXX XX/XX/XXXX for Litigation Attorney Fees. They never litigated for me at all and when I contacted them today, they said they are recovering legal funds spent on my behalf. They were separate defendants on the case and were being sued by the plaintiff.
They said I have to pay it but I never asked for them to write any documents because they choose not to be involved. And not to mention, I received no statement of services for legal nor a separate billing, just my regular monthly mortgage statement.
Can you assist in determining if this is legal for them to charge me legal fees for something I have no control over as they were sued by someone else?
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| 10/18/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Failures by Planet Home Lending Planet Home lending failed to provide me with easy access to paying off my mortgage loan as a consumer and a veteran. They have failed to fix this after 4 separate phone calls, and over one month of back and forth. I will be on my fifth attempt to correct tomorrow.
The issue is failure to provide me with there form for bi-weekly payment processing. I have now received the same bi-weekly form letter, stating fill out the form to setup by weekly payments and providing me with legal notices, of information. However, each time the form letter leaves out the bi-weekly payment form or a return envelope. I have requested they fix, the website, and provide me the form each of the above four phone calls. I will be requesting this be fixed the 5th time tomorrow.
They seem to be intentionally not posting the form online, or allowing it to be processed and legal rights validated, there login account. This allows them to then say, we can send it and then they seem to intentionally leave the form and return envelope out of the letter provided. I am sure this benefits them several ways, one they are pretending to comply with the law. Second benefit it reduces early mortgage pay-offs, by making it difficult to setup automated extra payment. Third benefit is they reduce there wire fees to zero or in half per borrower, depending on existing payment delivery method, for existing borrower. They failed to realize when someone like myself repeatedly requests the same information by phone and mail, and receives the same result, they are creating a pattern of abuse of consumer rights.
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| 04/24/2017 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Received certified lette r ( s ) Planet Home Lending LLC XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . on or about XXXX / XXXX / XXXX threatening asset forfeiture proceedings within 90 days if I do not either pay them {$320000.00} or bring a non-existent account current. My current home mortgage rests with XXXX XXXX ( t o the best of my knowledge ), and the amount of that mortgage is approx. {$220000.00} In the documentation they sent me via certified mail, the claims of : {$320000.00} / This is about {$100000.00} more than my current mortgage with XXXX XXXX The threat to seize my assets ( though there is currently no contract between myself and or any of these entities ) The Declaration Page of the Foreclosure Loss Mitigation Form ( attached ) claims to be a true and correct copy though the document has clearly been altered. They also claim that they legally represent the note holder, and they may. But they have provided me with no proof of that and have not met XXXX requirement according to the UCC 3-501 Verification Standards. Without or until they provide verification, they have violate d : USC 18.2071,2073 . Between XXXX & XXXX ( XXXX XXXX ), The goons they use for surveillance of my propert y ( Lic. plates are XXXX ), Planet Home Lending & XXXX XXXX XXXX ( Both XXXX ), thats at least XXXX individual parties. Sending false documents through the mail also appears to v iolate USC.18.1961, and I have filed a formal complaint with the XXXX XXXX XXXX of this possible violation.
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| 04/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received the original letter from Planet Lending and initially was concerned that the Homeowners Policy had been cancelled when we refinanced. I called XXXX XXXX XXXX and they verified that I still had the Homeowners Policy and that it was current and that we had never had flood insurance on it since Ive owned it since XX/XX/2008. I then called Planet Lending customer service and they said they would look into it and get back to me. When I didnt hear back after a week I called them and was on hold for over 20 minutes.. I never heard back until last week when they sent me another form letter which mentions nothing about what they found out. Today I got ahold of customer service who said she saw the notes from the previous call and that it shows the cottage is in a flood plain. She was not able to answer when that was changed and she gave me the number for FEMA and told me to contact them. And that I had 45 days from the date of the original letter ( XX/XX/XXXX ) to get flood insurance or they would do it for me. I asked for an extension to get this figured out and she repeated what she had just said. Very unhelpful! I then called the FEMA number she gave me and the woman with FEMA said she had received several calls like this and she honestly did not know what to do with the call as the number was for disaster assistance. Im getting the run around and there is no way my cottage at XXXX above the lake on a cliff is in a flood plain. They want to charge me over XXXX on flood insurnace which is not needed. I have tried with no luck it seems like customer services doesnt care and wont help.
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| 07/15/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX Our home was and neighborhood was directly impacted by an F3 multivortex tornado clocked in at 166mph that severely damaged our home, that of our neighbor, and killed a XXXX old man who was sheltering in his home. Our insurance company was immediately made aware and a claim was filed. The insurance proceeds were sent to our mortgage lender on XX/XX/XXXX to set into an escrow account of funds would be released to our General Contractor for repairs. The first check was sent in the amount of XXXX for roof repairs which were completed in in the first week of XXXX. The inspector was notified by the mortgage lender and arrived on XX/XX/XXXX the estimated completion percentage at the time of the mortgage inspector was roughly 35 %. The second check was released in the amount XXXX for second wave of repairs to in the side of our home. Check was deposited and withdrawn by our GC, now we are pending lights and gas permits time frame unknown. During the time that mortgage company had reluctantly not released the adequate amount for funds our home to be repaired, out home had taken in more damage then what was done by the tornado. The mortgage company has refused to release the rest of the funds until we can reach 95 % percent completion of the home but we are not able to due to funds being released and or the amount is not substantial enough for the repairs to be done. We had to be relocated to another home for the time being until we can move back into our home. Our now estimated time of completion of our home is now XX/XX/XXXX due to the mortgage company not releasing enough funds.
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| 11/24/2021 |
Yes |
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- Trouble during payment process
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Web |
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On the week of XXXX XXXX, 2021, I called Planet Home Lending LLC to resume my mortgage payments which had been deferred for XXXX months. The representative was unable to tell me what my new adjusted payment would be, but recommended that I pay the original monthly amount of {$1100.00} in order to prevent a late fee while the underwriting department calculated my new payment. I did as I was advised by the representative.
Approximately a XXXX later I received paperwork to resume payments. When I got the paperwork I called Planet Home Lending for an explanation of the contract they wanted me to sign. During this phone call it was explained to me that the payment made a month earlier was not going to be applied to my new payment schedule as I was led to believe. The amount went towards the outstanding deferment amount, which is not how it was explained to me at the time. After much discussion, I was explicitly told that the paperwork would be revised and that my payment made in XXXX would be applied to my XXXX payment of my new payment schedule.
Now, XXXX months and countless phone calls later, they have changed their story and are saying that they never said they would revise the paperwork despite the phone calls being recorded. I would like to take them to court so I can subpoena the phone call recording but due to their blatant lies and manipulation I do not have the liquidity necessary to hire an attorney.
It may also be worth mentioning that this is not the first time the have acted deceptively regarding my mortgage. They have a long track record of exploiting their customers.
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| 07/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My Loan servicing was transferred from XXXX XXXX to Planet Home Lending LLC on XXXX per the transfer letter from XXXX XXXX dated XXXX Per the XXXX letter, the law requires PHL, the new server to send out a letter of transfer no later than 15 days from the transfer date.
To this date I have not received the required letter of transfer from PHL On XXXX I spoke with XXXX of PHL, he said letter had not been issued yet.
I asked XXXX if PHL had my loss mitigation application from XXXX XXXX. He said no.
I informed him that XXXX XXXX issued a letter dated XXXX, confirming my loss mitigation application was received on XXXX and they determined it was complete.
PHL ask that I fax the XXXX letter confirming the loss medication completion and address it to XXXX and they would get back to me, once they located my completed file. Letter was faxed on XX/XX/XXXX On XXXX I signed a PHL, XXXX authorization letter for XXXX XXXX XXXX.
As of XX/XX/XXXXXXXX PHL has not replied to any of the above ; to me or XXXX XXXX XXXX.
On XXXX I received a statement from PHL demanding payment in the amount of {$230000.00} Nowhere on their statement did it reflect that I was discharge of this debt in my XXXX Bankruptcy, furthermore their letter is threatening to report derogatory information to the credit reporting agencies.
Should PHL continue this form harassment, I will seek all legal remedies, including but not limited to Federal Bankruptcy court.
On XXXX I fax PHL and asked that they confirm by Bankruptcy Discharge.
I require thaXXXX PHL address ever one of my points in this complaint.
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| 11/03/2022 |
Yes |
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Web |
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I am the home owner and XXXX of a property. I went under contract with a customer that was using Planet Home Lending in Ohio. The buyer, as per the contract, submitted to me {$2000.00} in due diligence money. The mortgage closer from Planet Home Lending advised all parties Regarding the {$2000.00} XXXX, I apologize for any confusion, but I did not state this is a simple removal just that the funds are not verifiable and will need to be backed out of the transaction and returned to the borrower. The borrower will need to come in with the additional {$2000.00} at closing for the buyer. The Due Diligence deposit of {$2000.00} was money paid directly to the seller, me. This deposit has been a part of the contract from day one. The mortgage loan originator for the buyer stated, " the seller is going to keep the {$2000.00} that the buyer already paid. We just need an amendment for an additional {$2000.00} in seller credits so that we can put that towards the loan and keep the cash to close the same and so that everything is a wash. '' We obliged and agreed to change the contract as requested, under the written notice that I, the seller, would get to keep the $ XXXX that was already received. When the sale was canceled, the buyer and her realtor demanded full refund of the due diligence money as the contract no longer stated that it was in the contract. After speaking to legal representation from my realtor, we were advised to return the funds and look at options to recoup the lost money.
Attached is the written communication stating what I have previously written above.
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| 03/02/2023 |
Yes |
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- Trouble during payment process
|
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Web |
Servicemember |
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Since Planet Home Landing has taken over servicing this loan, we had nothing but trouble with predatory fees being added with the consistent and constant monthly amounts due. Never had any issues with any other lender in 20 years of owning a home that was mortgaged until Planet Home Lending took over this mortgage.
Planet home sends monthly statements with the bolded amount listed as " Amount due '' that various each and every month. They then add predatory fees and late payments when you send a payment that matches what is stated on the amount due that when you look deeper at the statement the regular monthly payment in smaller letter below shows the correct amount. I am accusing Planet Home lending of adding these fees, tricking consumers with the amount due in large bolded letters at the top of statements to trick consumers in paying something different than the actual monthly payment that should be consistent unless there is a change in taxes and insurance. I can go back historically and show the amount due changes each month and after speaking to an agent today she highlighted that my regular monthly payment in the box that states " explanation of amount due '' is what I should be paying, but neglects the fact the AMOUNT DUE at the top of the statement shows something completely different.
I want a full refund of all fees and penalties because of these predatory lending and fees that they target Veterans. I would also like Planet Home investigated to determine if this is a common wide practice and if they specifically target other Veterans and VA loans.
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| 02/08/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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XXXX, XX/XX/XXXX Re : CFPB Complaint # XXXX Loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX : I am not required to provide you with all my personal banking information. Please provide proof of such a requirement.
XXXX XXXX your statement does not make it fact. The two pages of my statement provide all and sufficient data required for proof of payment. Admitting you are wrong is very difficult.
XXXX XXXX provide substantiating data that show in XXXX of XXXX an actual need to increase our mortgage payment.
XXXX XXXX if such proof is not provided, I request the CFPB rightly find you personally and Planet Home Lending , LLC in violation of the terms of my mortgage agreement. XXXX XXXX and Planet Home Lending , LLC must be held accountable to the highest degree of the laws.
Empirical data proves that Planet Home Lending , LLC has a history of misrepresenting the truth, changing the monthly loan payment without ANY substantiating data and then falsely reporting to credit reporting agencies.
Logically one would try to contact Planet Home Lending , LLC about the above mentioned issues but there is not customer service and a point of contact is never available and furthermore never is there a return call.
Planet Home Lending , LLC is a predatory lender ; it is not conducting business in an honest and above-board fashion. They are lying to suit their purpose. I have provided sufficient, legal data to show proof of loan payment. These data are sufficient in all legal matters.
Sincerely, XXXX XXXX XXXX
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| 01/09/2021 |
Yes |
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Older American, Servicemember |
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Loan modification was initiated I believe XX/XX/XXXX.
Correspondence between Planet Home Lending began in XX/XX/XXXX. My loan rep, XXXX XXXX, asked for personal information, paystubs etc. which was sent every time he requested something. A large quantity of documents were sent to the lender.
Then in XX/XX/XXXX, Planet Home Lending demanded payment, or pre-foreclosure action. This happened in the middle of my modification process. I reached out to the Dept. of Veterans Affairs, XXXX XXXX, to find out what I should do and I can't remember if she contacted the mortgage provider but I was assigned a new contact with Planet Home Lending, XXXX XXXX.
Further requests for information to qualify for modification started again and continued into XX/XX/XXXX, explanation of bank deposits etc. or more detailed requests. Again we complied.
Foreclosure never happened and the Loan modification was granted, XX/XX/XXXX.
Keep in mind, paying your mortgage has to stop to qualify for the modification, and dragging out the process was never my intention. We satisfied all the requirements!
The problem : The credit report has an " F '' next to XXXX XXXX - XX/XX/XXXX, and if we never foreclosed, and I was in the process of modification, I believe it is an incorrect credit flag, and pre-foreclosure should not have been initiated.
I know we qualified because we had already gone through the modification of 3 rental properties.
Anyway, I want to refinance our house in Delaware and this " F '' is the problem.
Is there anything that can be done?
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| 01/26/2022 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Trying to get late payment report from XXXX and XX/XX/2021 to be removed from Planet Home Lending. From XXXX until XXXX our family came down with XXXX. My husband and I was hit very hard with XXXX and was in the XXXX room. When we were feeling better we called to make a payment on the mortgage and the first time we called to make the payment, they took it over the phone and the payment was never processed. So a couple of weeks later we called back again and took another payment and actually processed the payment. We were not aware at that point that they offered help with COVID issues cause we were never told and also our mortgage was being sold to another company. Another week went by and the payment was still not processed. We were told that they no longer had our mortgage that it was transferred to XXXX. When it finally got to XXXX in XX/XX/2021, we had to make 3 months payments. We are trying to refinance our home but it is showing late payments. We tried to explain this all to them and they said that there is nothing that they can do cause the payment were late. We told them what had happened and sill nothing. They are saying that they tried reaching out to us but never got an answer but dont show us calling in. It is not our fault that they wouldnt process our payments. We tried and it never went through. We cant refinance as long as they are showing, we need you help. When the loan was transferred to the new mortgage company they had no issues with processing our payments and never issued a late payment
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| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Improper collection of taxes After receiving the requested information ( evidence of tax payments, indicating the institution that made them ), I went to the tax collector agency to confirm if these payments were credited to my account. The following was found : 1. Check number XXXX for the amount of {$3400.00} has a cadastre number written on it that does not correspond to my property. So that amount is not credited to my property.
2. My property has another number in the registry. At the moment it has not been assessed for tax purposes.
3. The person in charge of evaluating the accounts was not available that day, so they gave me an appointment for Thursday, XX/XX/XXXX, to analyze the account, find out the whereabouts of the other check and, if necessary, make the corresponding claim.
Due to the foregoing, I request that the collection of this money ( {$3400.00} and {$860.00} ) be stopped, until it can be verified beyond a reasonable doubt, that they have been allocated to the taxes corresponding to my property. At the time of writing this claim, I do not have the {$530.00}, which the institution determined to charge me, in addition to my monthly payment. I can and wish to continue paying the {$780.00} corresponding to my monthly payment, while this situation is clarified. I resort to sending this request through this agency, for the prompt response, as opposed to resorting directly to the institution. I await your response for the benefit of both parties and that my credit history is not affected.
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| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX, I provided Planet Home Lending , LLC with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, Planet Home Lending , LLC reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with Planet Home Lending , LLC on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. Planet Home Lending , LLC stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by Planet HomeLending, LLC that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and Planet Home Lending , LLC reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows Planet Home Lending with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with Planet Home Lending , LLC in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
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| 09/08/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I inherited my sister 's house, and took up payments on the Mortage from Planet Home Lending. The very first time I contacted them, they tried to refuse my payment and kept saying they were going to foreclose. It was only after I said I 'd report them that they agreed to accept a payment.
Time went by and I made another payment which was rejected by my bank for insufficient funds but I did not know it even happened. Planet Home Lending never contacted me to say the money was rejected.
I got behind on payments, then in XXXX I got a letter saying I was in a 45 PRE foreclosure. The letter was dated XX/XX/XXXX.
As I read down on the letter, it said PAST DUE AMOUNT {$2200.00} Representing payments from XX/XX/XXXX to XX/XX/XXXX. I got that letter on XX/XX/XXXX!!! They also added Late Charge of {$8.00} Bad check fee of {$25.00} and something called XXXX XXXX. {$42.00} I raised most of the money and contacted them to try and make a payment, but they refused and said I was in FULL foreclosure, they also denied that they sent the letter to me. I went to a bank and had the letter witnessed and notarized on XX/XX/XXXX Today!!! 3 Assistant managers witnessed the document, and they all said the same thing. How can you be owing a late payment on XXXX and XXXX when the letter was only sent out in XXXX?.
I called them again and again only to be told that the house was in foreclosure, but I was required to pay them the money I had on hand.
I retained the original with the XXXX XXXX from the bank ( XXXX ) seal on it.
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| 08/13/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX failed to abide by the National Mortgage Settlement of XXXX and modify our second mortgage after our first was modified. We had to file a complaint with XXXX XXXX who then took our first mortgage from XXXX, modified it, and sent it to XXXX for servicing ( XX/XX/XXXX ). We were then instructed by XXXX XXXX to follow through with the modification of the second mortgage with XXXX who had to modify it based on the first qualifying. XXXX XXXX XXXX would not speak to us and just repeatedly sent us modification packages which they repeatedly lost when returned. In XX/XX/XXXX, XXXX finally spoke to us on the phone to tell us they sold the mortgage to XXXX and no longer had interest. We received a letter from XXXX informing us but did not hear from them again. XXXX then sold the mortgage again in XX/XX/XXXX to a private investor, XXXX XXXX - who has now served us with foreclosure papers as well as a statement charging interest back to XXXX. We have tried over and over through the years to get XXXX to modify but they just ignored us. Planet Home Lending is servicing the second Mortgage for the private investor and we are trying to get them to agree to settle on a reduced payoff. They want us to pay a lump payment and then make payments for the life of the loan. We do not feel this is just as XXXX did not abide by the National Mortgage Settlement.
Where are our rights? The National Mortgage Settlement was put in place for people like us and XXXX gets to violate a federal settlement.
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| 10/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX payment is due 1 but not late or occur late fees until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I receive 3 calls from Planet Home Lending in attempt to collect payment. I have no history of being late or missing payments for 7 yrs. I call and the message before you get a real person stated we are attempting to collect Debt. The rep stated You have n't paid you mortage and we are trying to get payment. Well yes.. I have it came out of my bank about ( I am thinking she is talking about my XXXX bill ) on XX/XX/XXXX- NO it did not post you did n't pay it she says. I then get angry and advise she needs to check on this because it was paid and deducted from my bank about.. " NO it did n't post and we are collecting you debt '' she says again. I hang up and call back beyond flustrated. The same message comes out about debt collectors for Planet Home Lending.. I ask the rep is this for XXXX? Yes Maam we have n't gotten XXXX payment..
Well, is it late? I believe I have until XX/XX/XXXX before it is late why is debt collector calling me.. Well Maam it is a courtesy call and you have to understand. Well NO I do n't have to understand.. they just stressed me out for NO reason and I believe it wrong to do a so called reminder call under a Debt Collection. Especially since I have NO history with them for being LATE or Missing payments to start. Also, if a reminder why 2 days in a row? IT is not what the recordings say - they say Debt Collector there fore it is misleading and border line fraudulent!
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| 07/25/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have had a terrible experience with my mortgage servicer, Planet Home Lending. I recently filled a borrowers assistance package due to loss of income. The entire review process has been a disaster. I've called them many times over the last month during the review to check in on the process. Each time, when speaking to a representative from the loss mitigation team, I've received different explanation and possible solutions to my problem.
I was hoping to receive a temporary forbearance until my income improved to normal levels and told that was possible without going into default and then finally told it was not possible to achieve without default. This is also after an initial decision by Planet denying my request and me calling and being told I should file an appeal then only to be told a week later that my appeal would not make a difference.
Again, I spoke to many, many representatives within the loss mitigation team and was told different things every time. I've wasted countless hours and still don't know what I can do to avoid imminent default even though I've been working tirelessly to try and work with Planet on a solution. I was also told during the process that they would remove a late fee for me only to call back a week later and told it was not done and that they don't ever remove late fees.
The whole process has been a nightmare and extremely frustrating as I've been working, in good faith, to try and get ahead of a problem and avoid default.
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| 10/24/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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My secondary loan has fallen very behind and was sold to multiple companies just when we were coming to a negotiation. The last company sold my loan in XXXX and Planet home lending took my loan over, they have sent letters stating they are will to help and we were in final stages of negotiation to get the loan back on track with a down payment, I received the paperwork and all it stated was the amount I needed to pay by XX/XX/2021 but there was no terms on the letter stating what my payment would be or what the down payment was going towards. I tried reaching out to my contact person XXXX XXXX through email and phone before the deadline and she was on vacation and not coming back until after the payment should have been made. The lawfirm stated I needed to have terms on that letter because it the loan was maturing and they could have told me in 12 months the rest was due immediately.
XXXX XXXX had received a cease and desist from the company I am working with, but now I have received in the mail final judgement to put in for a sale date.I would like to resolve this ASAP but I never receive an answer. I fell into default which I had explained due to the fact my daughter had XXXX XXXX XXXX XXXX ( which I can provide documentation if needed ) my husband was laid off at the time and we fell on hard times. We are more than willing to fix this problem and pay to keep our home as we have XXXX children and are hard working people. Can you please provide help?
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| 01/11/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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This will be my second complaint about Planet Home Lending, they can not seem to process payments correctly. After my loan was purchased from my original lender, extra payments were not applied to the principal they were put in a " hold '' account until a full payment was reached, then applied, after numerous calls with no results, I filed a complaint with the CFPB, # XXXX, that seemed to have solved the extra principal payment problem.Now after making my regular mortgage payment for XX/XX/XXXX, by chance i logged on to my bank account todayXX/XX/2016 to find that the payments were returned to my account. After calling the lending company they informed me that they changed there billing system and my payment was kicked back? They never notified me that there was a problem with the payment, if i would n't have checked my bank account my payment would have been late. They did accept my payments and wave any fees involved with paying over the phone. But for a company to change THERE billing system and not notify the customer that something may be wrong because of a change THEY made is ridiculous. The CSR told me they notified my bank, well that 's nice but I am the customer, not my bank. Through my dealings with this company I see them nothing more as a shady operator trying to make money on late fees caused by THEM and interest on extra principal payments not applied to the account until a full payment is reached, as in my first complaint about them.
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| 12/15/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Planet Home Lending LLC My complaint is that is company is dirty and in dereliction of duty. They are trash and they should not be in charge of the life investment a home is to Americans. Enough of these shady grifters.
This company is not able to process anything or keep any records coherent. They lack the coordination, the infrastructure and reputation to be a lender to anyone.
Their internal systems are a disaster, their company website has many security issues as well as link jackers. They have no unified number, and send no physical or digital correspondence. I had no clue who they were until I talked to three different originators. They are charging me for a month they said I did not owe because they have no paperwork with anything.
They are a shoe-in for cyber attacks and their terrible systems will result in another data breach. This is negligent, and they refused to give me the regulatory agency they report to. They refused to give me any serviceable address for them as well.
The fact my VA loan can get handed to 3 different companies without my knowledge is bad. The fact Planet Home Lending is a lender is outrageous. Im filing a complaint with the VA and I am pushing for a 3rd party security audit for their systems.
They are on record accepting bribes and grifting money from Americans. They should not be allowed to lend to anyone. They are unorganized loan sharks. How are these people allowed to handle a VA Loan? This is a disgrace.
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| 08/29/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Older American |
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The first letter I received from XXXX XXXX XXXX. on XX/XX/XXXX stated IMPORTANT LEGAL NOTICE - As of XX/XX/XXXX that the servicing of your loan will be transferred from XXXX XXXX XXXX XXXX. to Planet Home Lending LLC. It also referanced a loan number of XXXX.
I then received 4 letters each dated - XX/XX/XXXX - XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX a mortgage loan statement with Amount Due ( in bold lettering ) Not Available.
On XX/XX/XXXX a letter stating- In response to your request for assistance, please find Mortgage Assistance document and instruction form. Options May Be Available, as well as Information on Avoiding Foreclosure - Please note - I at no time requested anything from and/or made no contact with them at any time.
- XX/XX/XXXX I received another Mortgage Loan Statement - Amount Due - Not Available - Principal Pending - Due Date XX/XX/XXXX - Amount $ XXXX Interest rate 10 %.
- XX/XX/XXXX I received a letter that states the post maturity of the loan balance is {$30000.00} and to pay on or before XX/XX/XXXX, with... If payment is not received, by that date they will foreclose.
- XX/XX/XXXX I again received the same letter as previous letters a Mortgage Loan Statement -Amount Due- Not Available XX/XX/XXXX I received a Welcome Letter - they would like to Welcome me to Planet Home Lending and let me know they are very pleased to be servicing my loan. Monthly payment -Due Date XX/XX/XXXX and Amount Due- {$270.00}
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| 01/31/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX transfered loan to Planet home lending XX/XX/XXXX without transfering payment XX/XX/XXXX + additional {$760.00} trying to attach a tax impound account that was not due or correct.Planet Home LENDING REFUSED TO ACCEPT CANCELED CHECKS ALONG WITH letters from the tax office to clear up the wrong information.Planet kept changing every month two three times in the month payment amount.From {$980.00} to {$3100.00} on a fixed rate loan.I was able to obtain some records online in XX/XX/XXXX ( After that Planet changed my online access so that i could not get history ) PRICIPAL CURTAILMENT + MISAPPLIED FUNDS + REVERSAL SHOW up yet no explaination or consistancy in the billing.The middle of XX/XX/XXXX I spent hours on the phone to get answers on why i could not get a copy of the so called billing to compare it to my real payments.Or a copy of the TRUST DEED who was the investor .To get transfered to a Man ( in private client of Planet Home Lending ) NOW I AM REALLY AFRAID OF WHAT IS GOING ON ... .HE claimed i have a comercial loan ... I have a copy of the appraisel shows residentail single family homes XXXX conforming legal houses on a single lot all seprate meters garages yards .Neighborhood is also small income residential property ..Planet is changing my loan ... ..refusing to get me who this investor is... THEY HAVE TRIED EVERY AVENUE TO FORCLOSE ... I HAVE NEVER MISSED A PAYMENT ... ... I HAVE LETTERS FROM THEM TO SUPPLY CFPB
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| 08/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage payment is withdrawn from my account on the last day of the month prior to the month that is due. I am currently in the process of refinancing my loan so I logged into my account to check my payoff and noticed that my account is still showing due for XXXX/XXXX/2020. I logged into my checking account to verify my bank sent the payment just like every month prior. Sure enough on XXXX/XXXX/2020 payment left my account and was transmitted to Planet Home Lending. I called planet home lending and advised that my payment had not posted and they advised that they had not received any payment from my bank. I hung called my bank and advised that Planet Home Lending is saying they have not received the payment. She researched it and provided me all the info regarding the payment along with the transfer ID for the electronic payment. I then called Planet and provided this information to them and they advised they would submit to the accounting department but that it may take up to 10-20 business days ... .... Not sure what to do as the only way to avoid late payment fees and a XXXX day late hitting my mortgage is to make another payment for what I already paid. I have read many customer reviews and I am seeing that if you try to refinance your loan and not use Planet home lending they are doing things like this to make it difficult to complete the transaction. Any help to have this payment posted would be greatly appreciated.
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| 10/07/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XXXX My property was under contract and about to close only thing missing was a Payoff from Planet Lending. A representative told the title company verbally the payoff was XXXX. On XXXX Planet lending supplied the Title company with a payoff of XXXX.
I called planet lending to speak to my Customer relationship manager. I told the Representative that I was at the closing table to payoff this loan. However, the payoff stated I owed XXXX. I requested them to look at the loan and help so I could close. The representative told me that they wouldnt help with any money. They prefer to foreclose on a VA loan because its a fully backed loan and they will get all the money. They would not help because they can get the VA for full amount.
Planet lending is charging XXXX in Default escrow fees for paying the taxes and insurance. However, Im a XXXX vet and have homestead and XXXX vet exception.
The amount supplied on XXXX to the amount supplied on XXXX was a result in {$12000.00}. They refuse to reduce the {$55000.00} in fees because they want to stick it to XXXX XXXX! This phone call was recoded by Planet Lending where you will here the representative tell me why they wouldnt help. My principal balance was {$330000.00} and now I owe {$390000.00}. The house was sold and ready to close on the XXXX where planet lending could recoup all money! However, they would rather not help and foreclose so they could get XXXX for full amount
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| 11/25/2016 |
No |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I had a fire loss to my property last year in XXXX. My insurance company came out and inspected the damage and estimated the cost of repairs. I found a contractor who also submitted a cost estimate to complete repairs along with a payment schedule. This proposal was accepted by both myself and my insurance company and the insurance company cut a check for repairs. The check was made out to my husband, myself, and my mortgage company. So far, we 've had 1 inspection that indicates that 50 % of the work has been completed. My mortgage company 's loss draft department is now not following the contract, and has so far released 50 % of the funds but has not been willing to dispense more funds to continue working. My contractor has written that without more funds sent we will be in breach of the contract and he will walk from the job. I 've spoken with the mortgage company numerous times at this point. They insist that another inspection needs to be done to send more money, and I have ordered another inspection in the hopes that we can continue to move forward with my home repairs. However, each time I call Planet Home Lending they have no records of an inspection having been ordered and I am told that I must speak with my processor. Yet my processor is always either on the phone or not in the office and I 'm told that they will call me back. No one has called me yet and when I call I continue to get no answers.
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| 04/10/2023 |
Yes |
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- Trouble during payment process
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Web |
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Hello, I purchased my first home XX/XX/XXXX and I have had a terrible experience with my new mortgage company, Planet Home Lending. The previous owner had {$1500.00} in delinquent utilities, which were put on the 2022 tax bill, making the total tax bill {$3900.00}. My property taxes for 2022 ( without delinquent utilities ) was {$2400.00}. My mortgage company is making me pay my escrow account based on the taxes including the delinquent utilities. I have called at least 5 times to have this issue resolved, yet every time they cant seem to figure out the difference even though I can clearly see the breakdown on the XXXX of XXXX taxes website. My mortgage company is overcharging me and the last time I called, I received a notice that now my escrow account increased by {$130.00} instead of decreasing like it should. This has been such a frustrating experience. I have been fighting with this company for a couple months now. I am a XXXX woman who pays my mortgage on my own and planet home lending is making my mortgage unaffordable. My mortgage used to be {$1400.00} ( which was already more than what it is supposed to be due to the delinquent utilities ) and now it is {$1600.00}. This is absolutely ridiculous, this has been the most unprofessional experience I have ever had. I really hope you can help because I can not afford my mortgage to be increasing due to someone else not paying their utilities.
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| 12/12/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/22 I submitted a application to request assistance from Planet Home Lending due to my FHA loan being in default because of COVID-19 and loss of employment. I was told by XXXX XXXX in the Mitigation Dept that I was not eligible to receive assistance because documentation was not received and that I have insufficient income to reinstate my loan account. I have a FHA loan that specifically states the following : Recovery Home Retention Options and ( 1 ) COVID-19 Recovery Standalone Partial Claim ( a ) Eligibility states, The Mortgagee [ your mortgage company ] must ensure that : the Borrower indicates they have the ability to resume making on-time Mortgage Payments ; and the Property is owner-occupied.
No documentation is required. See the attachment FHA Center. According to FHA, To receive a COVID-19 Recovery Loss Mitigation Option ( COVID-19 Recovery Option ), the Borrower does not need to provide the Mortgagee with documentation to prove that they can or can not resume their Mortgage payment or that they can or can not make the modified Mortgage payment, aside from affirming that they can or can not make those monthly payments.
My Documents was uploaded to their online portal on XX/XX/22. They then advise me my application was denied bc of failure to submit documents.
My mortgage company refused to grant a Standalone Partial Claim on my behalf to stop the foreclosure sale of my home.
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| 12/30/2020 |
Yes |
|
- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX, I received a call from Planet Home Lending notifying me that there were recent reversals requested from my prior mortgage company ( XXXX XXXX XXXX ) which as a result in me being in arrears for 2 mortgage payments. For background ... my old mortgage company ( XXXX ) sold my loan to Planet. In an effort to resolve this error immediately ( XX/XX/25 ), I emailed monthly banking statements to Planet Home Lending for XXXX, XXXX, XXXX, and XXXX with transactions that demonstrated that mortgage payments ( in full ) were made consistently each month to XXXX as well as to Planet Home Lending ( not one missed ). It's been more than a month now and my Planet Home Lending account still reflects that I owe mortgage payments ; not to mention that I'm on debt collection auto-dial list, which calls my mobile as well as work ( very embarrassing ). This issue has also negatively impacted my credit. I call Planet multiple times each week for updates on the status and the representatives share " I apologize but Customer Service reps are short staffed, and this issue is currently being investigated ; check back next week ''. The say they have the necessary documents ( submitted by me ) to conclude their investigation. At this point I'm afraid to make a payment and it get tangled up in this mess. As soon as the issue resolved, I have the monies available to make XXXX and XXXX 's mortgage payment.
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| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Good Afternoon, I have submitted a payment for my mortgage payment due for XX/XX/2022 on XX/XX/2022 in the total amount of {XXXX}.
Auto pay had been set up to draft the mortgage payment on the XXXX of every month for the total amount due.
I tired to turn off auto pay on the online portal but it did not allow me to. I then proceeded to call Planet Home Lending to turn off the auto pay on their end.
All 3 representatives informed me I could not turn off auto pay as I have missed the cut off date.
When I signed up for auto pay I was never informed of a cut off date to turn off auto pay. I also have never experienced a company telling me I can not turn off auto pay because I missed a cut off date.
I also asked the representative about the disclosures for the auto pay and he could not give me any information about them.
As I was not aware of the cut off date I am unable to put a stop payment on it with my bank because they need 3 business days. Now my account will be over drafted because I was told I can not stop auto pay.
From my understanding I have the right by federal law to revoke authorization for auto pay and for some reason this company does not allow me to until the payment on the first is drafted, despite the fact I have already submitted payment toward the amount due XX/XX/2022 in the amount of {XXXX}.
Please advise how I can proceed from here.
Thank you, XXXX XXXX
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I'm being held back from a judgement on ( 1 ) credit reporting agency. XXXX is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for XXXX to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, Plant Home Lending has inaccurate information on my credit profile and its impacting my livelihood. I spoke with XXXX and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Hello I am filing this complaint because the band Planet Home Lending that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed Planet Home Lending of this. And they said ok no problem and not to worry. So we closed and Planet Home Lending was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please.
Thank you for your time XXXX XXXX
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| 01/31/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am writing to request correction of the error in my escrow account with Planet Home Lending. I have contact Planet Home Lending on XX/XX/XXXX and XX/XX/XXXX explaining in great detail their error involving my escrow account. I related that my property taxes from my county is paid ( 2x ) a year, which Planet Home Lending can easily view from my previous payments over the 10years that I have been with them. Here is the problem my property taxes were paid by Planet Home Lending for the 1st installment in XX/XX/XXXX and the 2nd installment was to be paid in XX/XX/XXXX. I come to find out that during the period before the 2nd installment was supposed to be paid my count had re- assessed the property and the 2nd installment was XXXX, therefore the 1st installment of XX/XX/XXXX has covered the entire re-evaluation for the year. I tried to explained this to Planet Home Lending and they refused to believe that my property taxes were paid in ( 2 ) installment, but ( 1 ) and would not call my county to verify. They withheld my escrow refund for the my 2nd installment of XXXX and my payments has increased due to them saying I had a escrow shortage and I have been paying over in escrow and monthly payments. This is unacceptable for a mortgage company to do this a customer or customers and has cause me great stress and anxiety of paying more than what I supposed to be doing.
|
| 03/15/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/2021, second mortgage was modified by Planet Home Lending.
Unpaid principal balance on this mortgage was {$250000.00}. Accrued interest was {$100000.00}. The accrued interest of {$100000.00} was capitalized and added to the unpaid principal balance of {$250000.00} for a total amount of {$350000.00}.
On XX/XX/2021, the total outstanding balance of {$350000.00} owed to planet home lending was paid Per the ALTA settlement statement by XXXX XXXX XXXX. Document attached.
In XXXX of 2021, Planet Home Lending issued us a 1098 statement showing outstanding mortgage balance of {$260000.00} and mortgage interest paid in 2021 of {$29000.00}. The 1098 was incorrect. Capitalized mortgage paid off or refinanced should be reported by planet home lending as income and should be reported on my 1098 as interest in the year paid off.
I called Planet home lending to request a corrected 1098 and was told they will not correct this, and that they were justified in the way it was reported. I explained that my tax preparer wanted this corrected to reflect the correct amount of interest that included the capitalized interest on the mortgage paid off.
Planet home lending refused to correct this after several repeated calls. Sometime during these calls, I am placed on unusual lengthy hold by staff of planet home lending, sometime 45 minutes and at the end not resolution.
|
| 11/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Please could you help.
My home loan was serviced by Planet Home Lending. In addition to mortgage payments, I was also required to pay into an escrow account each month so Planet Home Lending had the funds to pay the property taxes and insurance. Planet Home Lending did not pay the property taxes owed in XX/XX/XXXX & XX/XX/XXXX. I have reached out to them but they say it is not their problem as the loan was transferred to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX and that XXXX needs to sort it out. XXXX said that they could not have made those payments in XX/XX/XXXX or XX/XX/XXXX as they weren't even the loan servicer until XX/XX/XXXX.
Now there have been penalties that have also been incurred since Planet Home Lending did not pay the property taxes. I have repeatedly asked Planet Home Lending to correct their error but they keep saying it is not their problem and to talk to the new loan servicer.
I have included the Property Tax Statement which shows the penalties incurred from the county website. I have also included the emails that have gone back and forth between myself and Planet Home Lending. I have also included my annual statement showing the monthly additional escrow payment of {$2900.00} I had to make and that I had {$31000.00} in the escrow account to pay property taxes and insurance - why didn't they pay the property taxes?
Please help, XXXX
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.
Despite five previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
|
| 12/29/2021 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX of XXXX, we were 30 days late on our mortgage payment due to covid. We contacted Planet Home Lending to let them know we were struggling. They offered a verbal agreement for us to go into forbearance. We then received a notice in the mail that we had been put into forbearance due to covid. We have since been in forbearance because of our small business being affected by covid. In the mean time, we hired a credit repair company to assist with debts. They contancted planet home lending to remove previous lates on our account. Since then XXXX reported us 150 days late on our mortgage to all credit bureaus. This is the time we have been in forbearance. Weve been in contact with XXXX, they are giving us the option to pay the debt of {$15000.00} in cash by XX/XX/XXXX or a modified loan deal through them, giving us a 3.0 % interest rate. We feel This is unfair. If XXXX hadnt reported us late 150 days late while in forbearance, we could have shopped around for a much better interest rate. They seem to have backed us into a corner, and we feel this is unfair and unlawful. We would appreciate any help you can offer us ASAP. The deadline is within a couple days ( XX/XX/XXXX ). We are asking that they remove all derogatory marks on our credit during this forbearance term, and give us an extension of 6 months or more to enable our credit to go back to normal.
|
| 05/25/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Planet home Lending told me sheriff 's sale would be XX/XX/XXXX . It was delayed 3 or 4 different times. They even had some scheduled without notifying me, found out from a neighbor. I moved out before the first scheduled sale. At one point they had someone call me and offered me {$700.00} to get my stuff out so they could fix it up and rent it. Another time they falsely accused me of abandoning it broke in and changed the locks.i made a report to police and pictures were taken. I have been doing the yard work ever since I left. They had another sheriff sale XX/XX/XXXX . On XX/XX/XXXX they had a realtor put a sign on the door saying no trespassing and threatened prosecution. I called sheriffs off ice and they said the sale was not approved or signed by a judge and I have the right to go in.I m ade a report to local police.This home was at one point financed through XXXX and I believe something crooked is going on because of 2 years caused me to move out. They kept sending me @ {$1000.00} a month bill.I could have fixed this home and got some of my money back. It is a VA loan. They are ripping off me and the VA. I purchased it for {$140000.00} in XX/XX/XXXX . I wa s told they purchased it back for $ XXXX I b elieve with about {$20000.00} investment this home could sell for close to {$200000.00}. I 'm looking to sue for my losses.
|
| 11/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have been overcharged on my escrow account by planet home lending since the beginning of XXXX and continue to be overcharged. I first emailed regarding this issue on XX/XX/XXXX and had phone conversations with them in the following days. I thought everything had been squared away but I began to investigate my escrow account and found that was not correct. I wanted to make sure I would not be short again this year on my escrow and I realized I was still being overcharged. They have three amounts for my taxes when there should only be two. They have listed a town that is 45 minutes away from where I live on my escrow. I do not live anywhere close to this town therefore I can not pay taxes to them. They duplicated the amount of my county taxes and listed it as another town. So not only do I have my county taxes and city taxes but then I have a made up amount to a town I dont live in. I reached out to them again on XX/XX/XXXX in email and never heard anything so I called on XX/XX/XXXX to be informed there investigation was concluded on XX/XX/XXXX and that I was wrong. I began getting proof together to send to them in the form of : my tax records, payment and escrow information, and tax ID number to send to them. Which I have in email on XX/XX/XXXX and have not heard anything back from them. I have all proof and would be glad to send it to you.
|
| 01/15/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2017 I closed on my home, XXXX was the mortgage holder per the paperwork signed. I was then notified that I would make payments to Planet Home Lending, which I did from the vary beginning.
Last year my mortgage increased by {$400.00} per month because they stated that they had an escrow shortage due to an increase in my taxes. Not being able to afford that I requested a FHA streamline refinance.
I received a letter with another individuals Name Address and Social Security number on it. At that point I was very concerned that my personal information may also be given out to other Customers of this company.
I called Planet Home Lending to complain and they stated that my refinance was denied.
I started to research my escrow account only to find that what I paid at closing was not the amount Planet Home Lending started my escrow account with. I paid a total of $ {$1400.00} per my settlement sheet and Planet Home Lending started my escrow account at {$670.00}.
I contacted XXXX XXXX who explained that this was a net loan and the mortgage company was not paid from the Title Company, but instead deducted the escrow and paid the Title Company the difference ( Never heard of such a thing ). I then contacted Planet Home Lending who told me that XXXX owned my original mortgage and I would have to speak to them. They are out of Business.
|
| 11/24/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
my husband passed over in 2014 ; he would always tell me that if anything happened to him that the mortgage would be paid off.
the mortgage is in my husbands name only, and I ca n't find the mortgage insurance.
I notified the mortgage company, and the home insurance company.
I am the administrator of the estate. I sent the death cert.. and the admin.. document to each company.
the insurance was put in my name. the mortgage company will not change the loan to the estate of..
when the renewal of the home insurance was due the mortgage company would not send the insurance payment through escrow. they stated the insurance policy is not in my husbands name. the insurance company stated they can not have a policy in a deceased persons name. I am the administrator of the property.
the mortgage company stated to assume the loan, sell the property, or find another home insurance company. ( you can not feel the total disrespect and rudeness I experienced from the worker through my words. ) also every time I call the mortgage company to find out what is the problem I get the prompt, this an attempt to collect a debt and this call my be monitored.
I have not missed a payment to either company.
the mortgage company did send a letter stating a name change. I do n't know if I am paying off a mortgage or a transfer to a debt company. please help.
|
| 07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I am a Massachusetts XXXX XXXX XXXX .
On Friday XXXX XXXX , 2017 I represented a home buyer who purchased real estate through a short sale.
The seller 's mortgage company was Planet Home Lending , LLC. Their principal office is XXXX XXXX XXXX , XXXX XXXX , XXXX , CT XXXX .
The mortgage company was represented by XXXX XXXX XXXX XXXX . Their principal office is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , MA XXXX .
I wired Planet Home Lending 's funds around XXXX that Friday. My bank assured me that they would receive the funds that day.
I spent the rest of that afternoon dealing with essential aspects of the closing ( recording the deed, mortgage, etc. ).
I did not have an opportunity to email the wire confirmation to the lender or its representative.
Monday morning XXXX XXXX , 2017 I received two threatening emails from XXXX XXXX of XXXX XXXX XXXX XXXX XXXX .
In the emails XXXX threatened " to foreclose on this today!!!! '' or " move forward with the f/c!!!! '' unless a copy of the wire confirmation was sent to him immediately.
Of course I sent the paperwork to him and I believe the matter is resolved.
Nevertheless, the CFPB should be aware of XXXX XXXX XXXX ' and Planet Home Lending 's overly aggressive behavior.
|
| 06/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We purchased a new home @ XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX XXXX Mortgage XX/XX/XXXX, the loan was immediately bought out by Planet Home Lending and just a month later, bought by New XXXX XXXX, my complaint is against Planet Home Lending. In XX/XX/XXXX, when we purchased our home, we only had the choice to use the California XXXX XXXX hazard insurance which is fire only. When it came time for renewal in XXXX, we found a more comprehensive company and decided to change. Unfortunately, XXXX XXXX paid both hazard companies, so we had to contact the Fair Plan to cancel and they inadvertently refunded the amount of {$690.00} to Planet Home Lending who was no longer the mortgage holder, to complicate matters further, we paid off our mortgage with XXXX XXXX and own the property outright. I have advised Planet Home Funding with XXXX phone calls, XX/XX/XXXX and spoke to XXXX and was assured I would get a refund in days ; on XX/XX/XXXX I spoke to XXXX and she said she had to get information from their cash department and would call me back, she never did. On XXXX I wrote a letter asking for immediate refund of the premium and today XX/XX/XXXX I spoke to XXXX, a supervisor and she said she would call me within the hour ... she never did. They can not keep money that doesn't belong to them and I want my refund now. Can you help me please?
|
| 01/15/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020 Planet Home lending was assigned servicing of loan from XXXX XXXX XXXX In Breach of contract breached from XXXX XXXX Inc.4 times. Per note Giving of Notice, Any notice that must be given to me under this note will be given by delivering it or by certified mail addressed to me at the address above. Document A as of today this assignment has never been delivered according to terms Breaching contract. Planet Home Lending can not provide a clear assignment from XXXX XXXX XXXXXXXX to Planet Home Lending as requested with out proof of loan no payments could be made and loan balance is incorrect, questioning validity of transfer or fraud. Planet Home Lending did not notify me of acceleration of loan, by terms 2nd Breach of contract. Planet Home lending has sent fraudulent information a copy of 1st mortgage which violates privacy they should not have this document, Fraud document B. I am sure They had looked over all documents, as they sent twice. second letter was to XXXX XXXX violating privacy again this was not error or over site, this is fraud. Planet Home Lending took 13 months to Make any contact with me after their a ledge service and another 7 months stalling resolution beyond my resolution at the cost of {$30000.00} and much XXXX. planet Home lending has been nothing but dishonest and violating good faith as a lender.
|
| 01/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Thursday, XX/XX/XXXX Re : Planet Home Lending , LLC Falsely reporting to Credit Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear Sirs : Planet Home Lending , LLC has again falsely reported to the credit agencies that we have not made our mortgage payments.
You will find three ( 3 ) attachments containing the following information to substantiate another complaint against Planet Home Lending , LLC : 1. A copy of my XXXX report showing Planet Home Lending , LLC lying once again 2. A copy of Planet Home Lending, LLCs response to CFPB # XXXX ; the table in the response shows that our payment was made and credited to our loan 3. A copy of our bank statement showing the payment to Planet Home Lending , LLC Planet Home Lending , LLC lies and cheats.
They misappropriate our loan payments and state that we have NOT made a payment. They change the mortgage payment amount indiscriminately, without notice and without reason.
Currently, as reported to the credit agencies effective XX/XX/XXXX, they are stating that our loan amount is greater than the original loan agreement amount ; ridiculous after paying on the loan since XXXX!
When will CFPB finally punish Planet Home Lending , LLC? You are the mortgage companies governing body and have responsibilities to the public.
Sincerely, XXXX XXXX XXXX
|
| 06/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I inherited the property in XXXX of last year, my mortgage company is planet home lending and I've complied with every single thing they have asked for during this difficult time of losing a family member along with their income, I offered to pay the mortgage payments until the house was in my name, the company refused on XX/XX/XXXX, I have the email, they consistently keep losing documents I've turned in multiple times, when my aunt passed it was in a forbearance bc she had XXXX XXXX in XX/XX/XXXX, she passed XX/XX/XXXX, so we got that but before she passed she was approved for a loan modification but passed before signing it all, I do have a real estate attorney and have done everything by the book, but they have decided to foreclose, ive applied for indiana homeowners assistance fund, and it is pending. I also have a bankruptcy attorney call tomorrow at noon, I have no where to go, there are 3 of us here and all of us are on XXXX or retirement, me, my mom and my son. I am making this complaint bc they are not doing their part by either not receiving documents or only partially receiving them even though ive uploaded the documents multiple times and I have all the emails to prove it. I'm being thrown under the bus here, I did nothing wrong and yet my home is being taken away. I need help asap.
|
| 06/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
good afternoon, I'm requesting assistance in the matter of myself and XXXX XXXX. I'm in the process of paying off my mortgage with them, and I've gotten down to the final payment due XX/XX/XXXX. I called them on XX/XX/XXXX to get the final amount due. upon speaking with them I was told that a letter would be sent within the week with the details and payoff info. today makes three weeks since with no response. I've not received a statement also. they took XXXX on XX/XX/XXXX, and I presumed a final payment.i called today and spoke with aaaa person who states that the payment was in suspension, and not applied to my account. this person states that a letter was sent the day I spoke with the first person, and he probably didn't know it was sent at that time.she then states that a second letter was sent on XX/XX/XXXX.i haven't received any letters from them. I've read reviews about planet mortgage and I feel that they're not honest. now they want me to send a certified check ( as if i'm not honest ) to them for XXXX to payoff my account. on XX/XX/XXXX the principal balance was XXXX. I was requesting the total amount to send to cover the difference.now I've called them twice regarding this matter and getting the run-a-round. as I stated to the " person '', this is XXXX! thank you in advance!
|
| 08/22/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Dispersal of funds - claim XXXX.
My insurance company sent a check ( {$130000.00} ) for loss of house and I sent it to my mortgage company. The first check was deposited XX/XX/23. The second one deposited on XXXX This check was for remaining coverage ( {$27000.00} ) and demo and removal of old house ( {$6700.00} ).
On XXXX XXXX XXXX, I sent a copy of floor plan and purchase agreement and XXXX said it had to be approved by corporate and takes 8 to 10 days. I talked to them by phone XXXX XXXX XXXX XXXX XXXX, plus emails. I also called the in XXXX and XXXX plus email.
On the XXXX XXXX XXXX, XXXX called and said she would send a check and tracking. I haven't heard from her since and no check.
On XXXX XXXX, I emailed her 2 receipts for demolition and removal of old home which covers the {$6700.00} my insurance sent. I haven't received that check nor have I heard from her.
I also emailed her on XXXX XXXX and no answer.
I called today, XXXX XXXX, left msg, no answer.
In summary, I called on XXXX XXXX and XXXX said they had everything needed to process the claim except for corporate approval. It is now XX/XX/XXXX and no check.
I originally asked for {$110000.00} as this is a manufacturer house and they require half down before starting to build it and the other half before delivery.
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am writing on behalf of my client, the current homeowner of XXXX XXXX XXXX, XXXX, MA. My client is currently facing an improper foreclosure based on a " zombie '' second mortgage serviced by Planet Home Lending , LLC. He had not heard about this mortgage since he modified his first mortgage in XXXX through HAMP, and had been told then that the second lien was discharged. However, in XX/XX/XXXX, he began receiving statements and letters stating he owed more than $ XXXX, made up of ~ $ XXXX in principal and almost ~ $ XXXX in accrued interest. Because he had not received any correspondence regarding the second mortgage in 5 years and the amount claimed to be owed was significantly higher than the original principal balance on the loan, he believed that he was being scammed. It was not until the foreclosure auction was scheduled that the homeowner reached out to legal counsel, who was able to assist in postponing the auction. Since the postponement of the auction, counsel for the homeowner has brought several errors of Planet Home Lending to their attention. Please see enclosed XXXX demand letter. Planet Home Lending 's counsel has responded, denying the homeowners claims and refusing to accept the homeowner 's settlement offer ( $ XXXX in total for complete discharge of loan ).
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I live in XXXX XXXX and my Loan was purchased by a XXXX XXXX called " Planet Home Lending ''. At the time they purchased my Loan my payment went through XXXX and my note was {$410.00} Planet Home Lending purchased my loan in XXXX XXXX. Since then my note has gone up to {$820.00} nearly doubling. They are holding {$930.00} of my money in reserve ( escrow ) and not paying me interest on it. They went up on my note after me telling them to " waive the reserve '' which is what XXXX did for me so that I could keep my note affordable. I went to the XXXX XXXX and resolved the issue with my taxes which have been prorated for XXXX and I turned that in to them so they could accurately recalculate my note. I have spoken with Planet on this matter after learning of a tax mistake and I ask them to do a " Escrow Spread '' after they were to have " waived the reserve of {$930.00} '' that I have already paid them, which would not have increased my note by much but they didn't do that nor did they honor a letter I recieved after they took over my loan from the Home Affordable Act Stating that I was to recieve a {$5000.00} final reduction in my principle for successfully completing the HOme Affordable Program. THIS COMPANY SHOULD BE SERIOUSLY INVESTIGATED FOR IT'S ESCROW POLICIES IMMEDIATELY.
|
| 10/10/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
Servicemember |
|
I filled out a full application for a loan modification over a year ago and planet home lending hasnt completed it I resumed the process ( after not hearing back in a year ) because I am buying a second home. I was told by the new mortgage broker that my mortgage statement is showing over 300 days delinquent, because of this, I am in danger of losing over {$6000.00} in earnest money, appraisal, and inspection fees I have recently been trying to get this resolved a second time for well over 30 days and keep getting told the loan modification will be completed one Monday then Friday then Monday then Friday and I have {$6000.00} earnest money that I am going to lose that is tied up on a second home I am purchasing because of their incompetence. Also, I have asked multiple times to have a supervisor call me back, but they never call. Also, I have to explain every single time I call what is going on with my account and I am being told that I owe them money and then I dont owe them money and that I missed payments that I actually paid and are having to send over bank statements, just to prove that I made these payments. I also have been told by customer service representatives that the supervisors are too busy to talk to me or are always in meetings every single time we call.
|
| 01/23/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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I am again having issues with the mortgage company Planet Home Lending, affiliate of XXXX. We were sent to this company for collections that we would not have have been in if XXXX would not have refused our payments for over a year. Again they accepted one and not others. So we were placed with a collection agency, who are now saying they did n't receive a payment for XXXX XXXX, the payment was sent the end of XXXX, however the other payment submitted in XXXX was also refused. The check was cashed on XXXX/XXXX/XXXX. We also had to send the modification papers in with the pay difference because this company has raised our payments from {$570.00} to {$680.00}, claiming it is for court cost lawyer fees etc. This would not have been the case if these companies would have kept the payments they received every month. I am a little concerned on whether this complaint will get results, I just talked to the company and was told the person handling the complaint is not in the office and no one else is taking his work load.
His name is XXXX XXXX, So I asked how this business is being ran? One person that handles complaints and they are not answered in the allotted time. Again I think this is an issue and not acceptable thru FHA guidelines.
Thank you for your time, XXXX XXXX
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| 08/07/2023 |
Yes |
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- Trouble during payment process
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Web |
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this company we have been in misundestanding since they bougth our loan from another company we have called many times in the past XXXX years talked to so many people no one knows anything and we have to explain again and again we have all in good standing since we were on XXXX XXXX but they always sending charge or payments for us to make besides regular monthly payments they dont have solutions only harassment we have explain them with evidence we visit an oficce here in PR with evidence so many times they keep calling us harassing us and its been 2 years and nothing its been done since nobady follow up or dont know .well this is puting us on a XXXX XXXX XXXX XXXX and we dont know what else to do we dont owe them anything but regular payments which are made month over month, they have not even told us what its the reason or from where was the origin of the money they say we have to pay we are really tires of this cpmpany know they are sendin certified mail on and on from a legal firm of attornies harrasing some more we nned help to prove with evidence that we are in good standing and that they have something wrong this company work very agresive as a lender company anybody call without the info to charge us in every call we are tired of explaining
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| 05/06/2023 |
Yes |
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- Trouble during payment process
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Web |
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I have an FHA mortgage with Planet Home Lending. Loan number XXXX.
Planet Home miscalculated the amount required for my escrow significantly, so I contacted them. They refused to lower my escrow. I figured they would just over charge me, and I would get a refund in a few months when they figured it out. This was a small hardship for me, but I could cover it.
I paid {$1100.00} into my escrow to catch it up and went in to pay the rest today when I noticed they actually applied the {$1100.00} to my principal. I put this money into my escrow on their online web site. They did this at the same time they took my usual loan amount of {$940.00}. They moved money from my escrow to my principal. Now they still want the extra escrow and I have no faith they will apply it as such.
I have a very low interest rate with them, and they appear to be trying to get my money before terms agreed upon.
This is causing a hardship for me because now I have to come up with money to cover this.
They need to apply the {$1100.00} to " catch up '' my escrow as that is why I put the money in there. The stress- I clicked on the option for this money to be put in my escrow. I did not intend for it to go into my principal. I can not afford to prepay principle right now.
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| 12/20/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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The reason that I am making a complaint is because I had requested for a loan modification with my 2nd XXXX XXXX but I had been denied several times. Now I have placed my home on a Short Sale to avoid a Foreclosure and as of today my second loan with Planet XXXX has come with a Settlement in which the first Loan with XXXX has been trying to work on getting a final Settlement. XXXX needs more time to come out with the figures necessary to come to a fair Settlement to both loans. I am getting foreclosed 5 days before XXXX and my family are just so stress thinking we are going to be in the streets. I tried to keep my home applying for a loan modification and Planet XXXX said my only option was to sell my home under a Short sale and i did the process but now again i am now getting foreclose any way. I want to keep my home if their is any program that can help me avoid to get Foreclose. This loan was giving to me as an XX/XX/20 I need help at least to get protected by the Moratorium or Covid-19 Pandemic. anything to avoid tomorrow 's foreclosure not to be out in XXXX. If I have no chance to keep my home at least to sell under a short sale. If the government is placing any protection to help families like mine. I begged you to help me stop this sale
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| 01/21/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
|
I have been trying to refinance my VA Loan with Planet Home Lending since XXXX. I was told in the beginning of XXXX that I would be closing by the end of the month and that I did not have to pay XXXX and XXXX payments and that my new, reduced payment would take affect XX/XX/2019. I was doing the IRRL refi, as my mortgage was due to increase and I was struggling with the current payment. On XX/XX/XXXX. 2019 I was informed by the agent I was working with Mr XXXX XXXX, that I would not be closing in XXXX and would now have to pay XXXX and in 2 days, XXXX mortgage before they could process the refi. I advised again, I could not do this, I had just borrowed from my 401K in XXXX to get current so the process could be finalzed in XXXX. I had nothing left to borrow from. I was told nothing could be done until my payments were current, NOTHING. Well at that point I reached out to my husband, who abandoned me and the marital residence, 10 days after closing, and who never contributed financially up to this point ; and I asked for assistance. He then let me know he lost his job and was unemployed and could not assist. I am now 4 months behind and no one is offfering any guidance, or advising what my opotions are and I do not want to lose my house.
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| 10/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I recently looked at my credit reports and noticed that this PLANET HOME LENDING , LLC reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
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| 10/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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Web |
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Planet Home Lending has the second mortgage on my primary property and this matter is in Supreme Court in NYS regarding a foreclosure preceding the institution is trying to commence with. My complaint stems from the Servicer/Lender continuing to provide statements and other letters that are not court documents to the agency thats handling the foreclosure proceeding on my behalf.
Recently, in a letter dated XX/XX/2021, Planet Home Lending requested proof of insurance for my primary property. The Servicer/Lender is clearly addressing the letter to the Legal Aid XXXX XXXX XXXX , New York instead of my address being XXXX XXXX XXXX XXXX , New York XXXX . Subsequently, the Servicer is well aware of my first mortgage with XXXX XXXX XXXX requires up-to-date insurance for the property and I do not want to pay for additional insurance through their institution.
If the Pandemic elevates workers/attorneys from The XXXX XXXX XXXX could be forced to work elsewhere and notices sent to their office may be delayed for an extended time. I am requesting the Servicer/Lender forward all statements and notices to my address. They may provide the bureau with any/all other court briefs. I have attached the requested proof of insurance for their records.
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| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XXXX 2020, I received a collection letter from this company or bank. After receiving it, take a few days to write them a letter requesting the following : 1- Who were they?
2- Why were they charging me a mortgage?
3- I had never signed any document with them.
4- I have not taken any loan with Planet Home Lending 5- I have never made any type of loan with them, collateral or refinancing.
5- If my signature appears on your documents, it was forgery and identity theft in the same way that happened with XXXX XXXX and the XXXX XXXX justice ignored it. Therefore went to the federal authorities and reported what happened with the corresponding documentation with a large number of signatures under my name that were not my own. In addition, differences in the amount of the balances in the mortgage loan made with XXXX XXXX.
Therefore, I, XXXX XXXX XXXX, have never signed any loan with these people. The letter I sent them was never answered and at this time this loan appears on all three credit reports, XXXX, XXXX, and XXXX so your intervention is required. Also, as you can see, one of the details of the report is that 100 % of the loan was paid. Therefore, I have never taken any loan, much less a signature with my name should appear.
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| 09/16/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
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Trying to obtain a payoff from Planet Home Lending, on XXXX/XXXX/2015 we faxed an authorization to release the mortgage payoff signed by the borrower. We follow up with the lender and was told that they did not received the payoff. We resent the request and follow up with a phone call to make sure the request was received. We were then told that the payoff was sent via Fax and for us to check our fax. We checked and saw no fax. We called back and was then told that they called the borrower and the borrower stated ; to not send us the payoff but to XXXX XXXX XXXX, which was not soo. We called the borrower and he stated that XXXX XXXX XXXX need the payoff to movwe the loan forward so when he called he told them to send to XXXX XXXX XXXX, he assumed that they would still send us the payoff we requested. So he called them after our conversation to clarify that they need to send XXXX XXXX XXXX company the payoff as well and that he was closing on XXXX/XXXX/2015. We need your help. We were hung up on twice by XXXX XXXX and was lied to that the borrower did not call them to authorize us getting the payoff, although we sent the XXXX authorization via FAX. This company should not be in the servicing business, they are like a boiler room!
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| 08/07/2023 |
Yes |
|
- Trouble during payment process
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|
Web |
Older American |
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My mortgage from XXXX XXXX was sold to Planet Home Lending without my knowledge. I received a letter predated for XXXX but did not receive until XXXX. I had tried to stop the auto pay but even though PHL verified through emails that they had received the request and 2 of the PHL agents acknowledged that the auto payment would be stopped, it was not. I stopped payment until I could get the transfer information. Even though I have 60 days from XX/XX/XXXX to review and make any payments, PHL has sent threatening letters to me. The customer service agents speak with such a heavy accent I can not understand ( please listen to the recordings for XXXX. I have the initial letter dated XXXX but did not receive until XXXX. The biggest complaints entail the lack of customer courtesy that PHL did not send notification in a timely manner of the change of Mortgagers which caused major confusing coupled with the inadequate knowledge of my account along with the lack of adequate customer service. All these things could have been avoid with a adequate notice and knowledgeable customer service. I would also like to know my options for suing PLH for the threatening letters sent to me. XXXX XXXX, XXXX. Can furnish documentation. Thank you.
|
| 08/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Issue is Origination Fee changed after lock-in.
XX/XX/2020 Closing Disclosure : Interest Rate 3.375 %, Origination Fee : {$290.00} XX/XX/2020 Closing Disclosure : Interest Rate : 3.375 %, Origination Fee : {$1500.00} When I asked the mortgage broker why our rate changed, even though we are in the lock in period. This is the response I received.
" Your rate didnt change after it was locked. When we added the loan subordination, it cost XXXX in discount points which translates to {$1200.00}. This is not a Planet Home Lending fee. This is an unavoidable fee from XXXX XXXX when there is a subordinated loan. " - Planet Home Lending Mortgage Broker I tried contacting XXXX to confirm their stance on this fee, but their customer service desk was unable to confirm this.
The subordination was not a new item, it was known ever since the credit report at the beginning of the lock-in phase.
I'm simply looking for the validation of the following two questions : - That this is truly a mandatory fee for Mortgages with subordination as mandated by XXXX XXXX - Shouldn't the Disclosure document have this information from the beginning ( first disclosure ). e.g. Why have a disclosure of fees document, if the fees keep changing.
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| 03/24/2022 |
Yes |
|
- Trouble during payment process
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|
Web |
Older American |
|
I have been trying to get a payoff balance to pay the balance on loan XXXX with Planet Home Lending , LLC off of XXXX, Florida since XX/XX/XXXX. Original request was dated XXXX XXXX and amended 4 times at Planet Home Lending 's request. The last amendment was on XXXX XXXX. I literally wrote : " To whom it may concern : I am requesting the payoff balance of loan # XXXX linked to the property located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. There is a buyer interested and we need this payoff balance to finalize the transaction as soon as posible to take advantage of a tax amnesty in XXXX XXXX.
The payoff balance can be sent to XXXX.
Thanks.
Signed by XXXX XXXX XXXX, whose name is erroneously written as XXXX XXXX XXXX in bank documents but not in the documents evidencing title, such as the Mortgage Deed nor in the XXXX XXXX XXXX XXXX, and whose signature is the same today as it was in the Note dated XXXX and as it appears in my driver 's license sent to you earlier. '' I am being harmed and I am suffering damages by the institution 's unreasonable refusal to give me a payoff balance to pay alleging I am not the person they are trying to collect the debt from even though I have established my identity and signature.
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| 10/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I refinanced my mortgage in XX/XX/XXXX with XXXX XXXX XXXX --, That CO.
sold it to XXXX XXXX XXXX in XXXX who then sold it to Planet Home Lending in XXXX. The monthly payments were {$1700.00}.
The {$1700.00} was increased by this co. Planet to {$1800.00}. When I enquired I was told by a person in the loan dept. ". XXXX " she would submit a copy of our phone conversation to the right dept and they would take care of it.. It turned out that ther was shortfall of {$340.00} I got another employee on a telephone conversation, " XXXX stated that the increase was due to a shortfall.I paid the shortfall with XXXX payment that evening which was {$2100.00}. hoping to take care of the shortfall and the mortgage payment foe XX/XX/2021. The XXXX mortgage payment had not returned to {$1700.00}.
I also sent {$1000.00} to principal only, they ignored my request and placed the cashier 's cheque in some place called " other '' .I sent my usual payment and added {$790.00} which would be two payments in XXXX one to principal only and the other the regular mgt.fee.
XXXX statement has arrived with no explanation of the extra payments I have been making. It still says {$1800.00}. What are my options. I need help with this matter.
|
| 05/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
On XX/XX/2021, I closed on a conventional home loan through XXXX Bank for my home. The purchase price was $ XXXX and the loan amount was {$380000.00}. A month later, I sold my former home and wanted to use the proceeds from the sale towards my new loan in order to achieve 80 % LTV and remove PMI. Prior to closing, I asked the mortgage broker if this would be acceptable, and she said yes.
In XXXX, our loan was sold to Planet Home Lending. In early XXXX, 2021, I contacted Planet Home Lending inquiring about PMI removal. I was told I would receive a letter in the mail in 4-6 weeks with information regarding the process. In early XX/XX/2021, I received the letter. The letter did not provide the information I needed so I called Planet Home Lending. On XX/XX/2021, I spoke with Planet Home Lending. I asked for the specific amount that I needed to pay in order for PMI to be removed. I was told that PMI can not be removed prior to 2 years, and once the 2 year period occurs, the XXXX must be 75 %, not 80 %. I asked for this in writing and was told they do not have a letter to this effect. Planet Home Lending offered to send an amortization schedule, which I already have and is not helpful in this situation.
|
| 02/01/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Last year I refinanced my home with XXXX. XXXX sent over the buyout to Planet Home Lending ( old mortgage lender ) I have proof of the XXXX wire that was sent, in XX/XX/XXXX, they processed it in XX/XX/XXXX. In that time, since they were slow to process, the last 2 payments went delinquent to my credit.
Keep in mind that I was already bought out and theres absolutely no reason for me to be delinquent with a mortgage company!
Do to this error on Planet Home Lending there is a giant incident on my credit report THAT WASNT MY DOING! Im looking to refinance my home once more and I cant because of this red flag. For the last year, I have been back and forth with the old lenders trying to correct this. They keep giving me the run around. They wrote a plain letter that the Credit bureau did not accept because they did not validate the months that they screwed up.
All Planet Lending needed to do is write me a letter, a letter stating they were in fact at fault with the specific months they screwed up on! The last year, I have been given the run around, put on hold, hung up on. Sent bogus i correct letters.. there famous line is your case has been escalated escalated to where!? Its been a year!
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| 08/31/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Every since I paid my escrow shortage in full ( {$2400.00} ) on XX/XX/2020 PHL disbursed my escrow money as payment instead of putting it in escrow. Now my mortgage account is messed up causing PHL to put a negative score on my credit report and sending out default notices and harassing frequent phone calls. I have never been late with a mortgage payment as of date. I have contacted PHL via phone-email with each representative expressing the account is being fixed. It has been four months and my credit scores has been trashed. ( XXXX dropped 77 points- XXXX dropped 90 points and XXXX XXXX XXXX points ) Again, I have never missed a payment and paid my escrow shortage in full but my credit score has dropped because PHL reported that I have missed payments. Tired of receiving default letters and harassing phone calls daily because THEY can't keep their accounting straight. I am being charged unnecessary late fee and now I am trying to sale my house and they are implying I owe them back payments which I do not. I have filed complaints with XXXX of CT, NY Department of Financial Services and the Mississippi Department of Banking and Consumer Finance.. Can you please help me resolve this issue?
|
| 01/17/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
XXXX XXXX, 2016 RE : Modification Agreement Sent Priority Overnight Received XXXX CFPB Please see CFPB Case No. : XXXX I attached a copy of the email I sent to Rural Department and their response, ( XXXX XXXX & XXXX ), they called this loan a " Traditional Modification '', not a USDA LOAN or a " Borrowers Assistance Loan ''.
I previously sent copies of the complete document of the " 3 Month XXXX Trial Modification '' from Planet Home Lending. I only attached page XXXX ( XXXX mod ) of this plan, so you can see the 360 months vs 302 months listed in the Planet Home Lending " Modification Agreement ''. I do n't know how to amortize the unpaid balance, but I do not think the monthly payment should be the same. I have attached a compete copy of Planet Home Lending 's Modification Agreement ( pages XXXX through page XXXX ).
Please review the document called " Limited Power of Attorney '' to correct and execute any typographical or clerical errors. I am not giving anyone power of attorney over anything I am responsible for.
Could you please review this agreement, even though I did not sign it, I ca n't help feeling there are additional problems with this agreement.
Thank you so very much
|
| 06/28/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Last year I was out of work due to XXXX. I fell two months behind on my rent. XX/XX/XXXX, I sent in a payment that was returned on XX/XX/XXXX. This caused my account to be over 90 days late. I contacted my loan servicer, Planet Home Lending, to discuss this problem. I was transferred to XXXX in their mitigation department. She told me that I needed to set up a payment arrangement. She suggested {$1200.00} per month to which I agreed. She told me that she would have to clear it with her manager. After calling her for over a week, I finally reached her only to be told that the arrangement was denied by her manager. I was also told that foreclosure arrangements had been started. I asked her why was I denied and she told me that I was denied due to not making enough money. I requested a expence sheet, filled it out, submitted it to PLH, and was approved for a payment arrangement for {$1400.00} per month. After two payments, I was given a sell date for my house. At that point, I borrowed money to bring my account current as of XX/XX/XXXX. Now my credit report shows preforeclosure, 120 days late. I have been denied credit opportunities. PLH now say I owe them over {$2700.00} for legal fees.
|
| 12/05/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have not been able to get assistance from my mortgage company so I tried to hire an attorney to help me. My husband and I lived in this home together. When the pandemic hit my husband got sick and passed from XXXX in XXXX of XXXX. This reduced my income but also was very distressing. My lender put me on a forbearance plan and then took me off and raised my payment {$400.00}. I sent my attorney a third party authorization on XX/XX/XXXX. My attorney 's office called XX/XX/XXXX and was told to send in additional documents. We did and then my attorney 's office called again XX/XX/XXXX, again they were told that more information is needed. My lender refuses to tell the attorney what is needed, they will not send me an email explaining what they need. My attorney 's office has questions regarding the CARES act and my VA loan, mainly why did my payment go up after forbearance? My husband who is on the loan ( I am married to him and on the deed ) is now passed on, he can not sign or authorize anyone. I do not know why my lender is putting me in a horrible position. I lost my husband and now am afraid I will lose my home because my income was reduced but the payment were increased.
|
| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
When making the monthly mortgage payment, it rose approximately {$500.00} dollars more. When I called the bank, Planet Home Lending, they informed me that this happened after analyzing the account and the bank having paid the property taxes. The institution reports that I pay {$3400.00} and {$860.00} for property taxes. By letter, on XX/XX/2022, ask the bank for copies of these payments made, to verify at the agency, if they were credited to my account. At the moment, the only thing that the institution has sent me has been a copy of the screen indicating the payments made and the monthly charges for the months of XXXX and XXXX. By phone call and email, I informed them that I need to go with the copies of the paid checks to the tax collection agency, in order to investigate. Tell them that this agency provides the information with the copies of the checks of the amounts received.
On XXXX, XX/XX/XXXX, I sent an email following up on the process and they have not responded. I fear that I will not be able to afford this increase in my monthly mortgage payment and that I will lose my property. That increase represents the payment to some of my utilities or my food purchase.
|
| 02/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received the attached letter from my mortgage servicer. It states that as of XX/XX/22 my flood insurance was " cancelled, expired or was unacceptable '' and that force placed insurance would be obtained ( at great cost ) unless replacement or renewed coverage was secured.
This is 100 % wrong, apart from being upsetting and disruptive to me, my XXXX president and our insurance agent. I called the mortgage servicer this morning ( Planet Home Lending ) and when pressed, the servicer 's rep admitted that they took over servicing on XX/XX/22 and did not have our insurance documents. They said they received nothing from the lender. Instead of asking for a copy of the insurance policy, they instead sent this erroneous, threatening letter and caused unnecessary work and concern for several people. Planet Home Lending should be reprimanded or sanctioned for the misstatements made in the letter, as our building 's insurance policy is and has always been in force. I will be sending a copy of our master condo policy to the servicer ( now that I know what actually is needed ) but would like to see steps taken so no other borrowers receive such a letter with these false claims.
|
| 02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received notification today that I am in 90 days in default on my home loan by Planet Home Lending. This is completely false. I have paid everything. This is significantly hurting my credit score and it is costing me heavily on my refinance. I used to have a credit score of over XXXX now it has dropped to XXXX.
The loan was transferred from Planet Home Lending to XXXX XXXX XXXX in XX/XX/2020. Four months later, in XX/XX/2020 Planet Home Lending reported that I was over 90 days in default, that is 4 months after they no longer had the loan. I cant be in default of a loan they dont have. I have full proof of payments for all my loans ( attached ). I've never been in default. I called Planet Home Lending and they said it shows that I was never in default and that the account was fully paid, but that for them to review this would take 3 weeks. Planet Home Lending has historically moved very slowly and I have had to contact them numerous times in the past by phone and by email just to finally get a response. Unfortunately Planet Home Lending has made error after error on numerous items and this is yet another one and it is hurting my credit score and me financially.
|
| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Plant Home Lending decided on their own to pay our property taxes on an annual payment when we decided to pay them in installments. The decsion to pay in installments was made at the closing table, we signed a form for this to happen. Now that they decided to pay in annual payments they have increased our mortgage payment from {$1500.00} a month to over {$2000.00} a month because of the escrow shortage they created.
We have been calling them and talking to their escrow department since early XXXX of XXXX. Property taxes arent due till XX/XX/XXXX, semi annual payments due XX/XX/XXXX and XX/XX/XXXX. We have been calling customer service and their escrow department every 7-10 days that is becasue they said they were working on a resolution and it will take this long to process. it has been over 60 days as of XX/XX/XXXX. Our last call was on XX/XX/XXXX and they stated that the escrows are now setup for the semi annual installment plan. Now as of XX/XX/XXXX Planet Home Lending decided to at some point on the XXXX of XXXX to make the full payment. Planet Home Lending has now created a financial hardship becasue they couldnt correct a mistake they made for over 60 days.
|
| 09/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
For several months we have been writing to Planet Home Lending to request that our Private Mortgage Insurance ( PMI ) for our FHA loan be removed because the mortgage has been paid for a minimum of 5 years and the loan to value is 78 % of the initial sales price or appraisal, whichever was lower.
On XX/XX/2020, we received a letter from Planet Home Lending stating that our FHA loan has met all of the requirements pursuant to FHA guidelines to remove PMI. The letter further stated that the last PMI payment was due in XX/XX/2020.
On XX/XX/2020, we saw PMI was still included in our monthly mortgage payment, which was automatically withdrawn from our checking bank account. We called Planet Home Lending and we were informed that the PMI review process has not even been started. When we indicated that we had a letter dated XX/XX/2020 stating the opposite, she said it did not matter because there was a one payment in arrears. We were never informed at any time that there was an arrears or that FHA criteria included such as a requirement.
Our mortgage company is not honoring their agreement as stated in their XX/XX/2020 letter that we met all of FHA requirements.
|
| 04/22/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
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I had completed a divorce in XXXX of 2017 and was awaiting my ex-wife to sign the quitclaim deed, to have her name removed from the mortgage title. After several legal measures were taken and two years I obtained the quit-claim deed and all necessary documents that the mortgage company required. I sent in all documentation ; including a signed letter from my ex-wife stating that she no longer lives at the property nor does she make any payments on the mortgage.
The mortgage company XXXX Planet Home Lending , LLC XXXX stated they received all documentation but when I took the next steps to refinance the mortgage in solely my name the mortgage company refused and are trying to add my ex-wife 's name to the refinance. They will no longer accept any payments and instead return any and all mortgage payment attempts.
I have become so utterly defeated with this my mortgage lender where now I have no other options but to sell my home where my children stay and attempt to find somewhere else to live. I have no extra monetary funds to hire an attorney and the company does not want to work with me nor do they care about my family or previous service to my country.
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| 09/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Older American |
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I have been trying to refinance my house with planet home lending Free the last six months and they have been stringing me along and allowing me to think that this was going to happen then today they informed me that my loan had matured XXXX XXXX and that there was nothing more that they could do to help me they said because it was a 15 year loan if this happened in six months none of this would have occurred. I do not know what to do I am living with my wife my daughter and her boyfriend and XXXX children grandchildren and XXXX baby I do not want to lose my house I have been offering planet home lending money to continue to pay the mortgage while all this is being done. Then today I find out that the loan has matured and they have not even asked my XXXX mortgagee to subordinate they made no offers to them which they said they were going to do my XXXX lien company had stated to them that they were willing to subordinate what planet home lending made no offers I am just looking for some help hereI can make the mortgage payment today and continue to make them I just need them to assigned me another loan and keep me in my house please help me
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| 01/16/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX I called Planet home lending regarding a {$190.00} payment increase to my loan. Through their automated system they state they paid my homeowners insurance {$4700.00} when the actual cost is {$970.00}. I spoke with customer service rep XXXX about the amount, which she was not able to help with, and she stated the reason for the increase was a review in XXXX of my escrow. She stated my tax payment increased by $ XXXX, from {$260.00} to {$290.00}. I then inquired why in the world they would be taking $ XXXX almost {$2000.00} in excess of that increase? My mortgage payment went from {$1100.00} to {$1300.00}!
It is NOT ok they take my money to sit on needlessly beyond justification of assessed taxes and insurance. I requested proof of what has been paid through my escrow and she stated she would email me the document. I never received the proof of payment from escrow, and they are still withdrawing the excess in escrow until this is rectified. Taking XXXX times the amount needed is embezzlement of my funds and abuse of their ability to do so in conducting business. I am concerned this has happened to other veterans, as well.
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| 03/21/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
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I had a home equity loan from XXXX. In XXXX I refinanced the XXXXXXXX XXXX which was supposed to include the equity loan. I was not aware this was out there and not being paid because I never received anything until XXXX. At that time, they were threating to foreclose on my home. Needless to say, I contacted Planet Lending and agreed to take payments. I made all payments on time. After XXXX years of payments, they wanted a balloon payment of {$55000.00}. All the payments I did make of XXXX a month only {$50.00} went towards the principle. I do not have that amount of money on hand. So, I asked if I could continue with payments which they refused. I tried to continue making the payments, but they would not allow any payments to the account after XXXX. Now they have reported them delinquent and have ruined my XXXX score. Every time I try to get in touch with the loss mitigation dept. they hang up on me. When I agreed to the original loan pay off had no choice or lose my home. I have attached a copy of the bill for XXXX and a letter received. They are asking for the payments which I attempted to make but they refused payment.
|
| 02/20/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
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Web |
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2nd Mortgage Servicer Planet Home Lending Acc # XXXX allowed 'other ' to access and manipulate my 2nd Loan. When I became aware, I called them ( @ 5 times, last call was 2.5 hrs ) and emailed them ( 3 times, last email stating a complaint seems to be only solution ). What Planet Home Lending & 'other ' did is unknown due to Servicer wont respond and when talking to their Reps, Im just put on hold, transferred or told they do not have that info on their screens.
Limited time is a huge factor due to needing verification if my loan was paid in full, no longer responsible, transferred, future billings, etc., per buyers statement. Planet Home Lending, 3rd call, stated they dont have to relay any info to me ( name on account ) regarding anything and monthly statement is all that is needed.
Section for involved person must be checked how and for this, no option provided. Person involved is the Buyer who stated that he finally paid the 2nd off. Buyers statement affected a Court Trial due to Servicer refused to confirm/deny the buyers statement to the Seller, Name Holder on 2nd Mortgage. Is this allowable or Servicer at fault?
|
| 05/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet Home lending will not allow me to pay online because we were granted forebearance and they blocked this feature. We would like to keep current as we receive some rents, however after an hour on the phone with Planet Home Lending, we can not make a payment. WHY ARE PAYMENTS BEING BLOCKED ONLINE?
Also, they refuse to authorize me, despite my husband sending in the signed authorization 3 times. We have proof of this. Now they say the signature doesnt match, they never advised us if this over the last 6 months we have been sending the authorization in, despite having my husband on the phone today telling them it is his signature. He is working and now has to deal with this because of their mismanagement. Why didnt they let him know his authorization form was denied? No communication. Terrible company, terrible servicing, very incompetent.
The forebearance department transferred me to the payment department, and the payment department said they can not take the payment and want to transfer me back to the forebearance department.
IT HAD BEEN 60 MINUTES MOSTLY ON HOLD AND I STILL CANT MAKE A PAYMENT.
Loan XXXX
|
| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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My loan was transferred to a new mortgage servicer ( Planet Home Lending ). I had to get my property taxes revised in XX/XX/XXXX and sent the updated tax bill to my previous lender. In XXXX, the loan was transferred to PHL. I called PHL on XX/XX/XXXX and asked if my property taxes had been paid and if they got the updated tax bill from my previous lender. I was told the taxes were paid and they had gotten the bill. I received an escrow analysis letter in early XXXX and the analysis was based on the incorrect property tax amount and it showed my property taxes had not been paid. I have called XXXX times since the beginning of XXXX and have been told multiple times that they were still working on my requests to have the taxes paid through my escrow balance. I was told on XX/XX/XXXX that my request had been escalated and to call back XX/XX/XXXX for an update. I checked my account and my taxes have not been paid. Im not sure what is the difficulty or the delay, but the longer they wait, the higher the penalties will be and I am NOT paying any penalties because PHL failed to pay the taxes in a timely fashion.
|
| 01/08/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Planet Home Lending bought our second mortgage in early XXXX. We haven't made a payment to this mortgage since XXXX when the original lender XXXX was acquired by XXXX XXXX XXXX. XXXX XXXX XXXX forgave thousands of second mortgages ( apparently not ours ) and received government bail out money.
Now, 11 years later, Planet home lending is calling our note due after buying the debt for XXXX on the dollar. I have tried and tried to communicate with them and they will not put anything in writing. I asked how much they paid for the debt and if they would accept a settlement.
Instead of replying, they sent an acceleration letter and added 10 years of back payment.
Our mortgage balance is approximately {$45000.00} and they are demanding approximately {$80000.00}.
We had to file bankruptcy due to their predatory practice and also due to Covid. Please step in and help us. I am a XXXX veteran with a XXXX child ... .Planet Home Lending is simply taking advantage of us.
I would like to know how much they purchased the debt for. I would like to settle for {$6000.00}.
Thank you, XXXX and XXXX XXXX XXXX XXXX
|
| 10/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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Planet Home Lending Loan # XXXX XXXX for lower payments on XXXX XXXX closed sign loan docs for {$1500.00} payments.
Had existing XXXX XXXX - XXXX XXXX per year {$3100.00}.
On XXXX XXXX Planet Home Lending increases payments to {$2200.00}.
Filed complaint with CFPB. resulted in lowering payments to {$1900.00} XXXX XXXX.
Planet Home Lending has sent numeous Delinquency notices that I am delinquent for {$3800.00} XXXX XXXX and XXXX XXXX.
My recorded payments have been for XXXX {$1500.00} XXXX {$1500.00} XXXX {$1900.00} XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me.
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again.
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again XXXX XXXX spoke with XXXX - she stated again that a Customer Service Manager will call me again his name is XXXX ... he gets in at XXXX Eastern Time.
They have not sent an allocation of cost or diff in payments owed ... only delinquency payments.
|
| 07/23/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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I experienced water damage to my home in XXXX XXXX. On XXXX XXXX, XXXX, I submitted the insurance claim check of {$17000.00} to my mortgage lender. My mortgage lender refuses to disburse sufficient funds for me to meet my contractual requirements to my contractors. I need an initial funding of {$6900.00} to get the work started. Despite a good faith effort on my part to provide supporting evidence to explain the details of the required funds, my lender has only released {$5900.00}, forcing me to self-fund the remaining {$950.00}.
I have strongly objected to this shortfall, including written email notices and phone calls to the lender 's customer service organization. My written notices to the individual handling my claim have been met with inflexibility, obfuscation, and a message of " not my job ''. I am dismissed with vague references to " go talk to Corporate '' without any assistance given of who I need to deal with. My phone call to my lender 's Customer Service organization was greeted with professionalism and courtesy - yet I have received no response from a management individual.
|
| 11/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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To Whom This May Concern ; XX/XX/XXXX I am confused on the situation all this information this company and attorneys have documented is false, accept that we have not made a payment to Planet Home Lending, the company that bought the mortgage illegally, since XX/XX/XXXX since nothing that has happened is legitimate. We were not up to date on our payments in XXXX through XXXX, due to XXXX not accepting payments at that time. XXXX did, however, accept one last payment in XX/XX/XXXX. The payments sent before this monthly were refunded and refused, so when this mortgage was sold under false pretenses. I am sending along all the documents and the new ones from the present attorney trying to foreclose on our house, when none of the actions and activities leading to this has been within the law how can this happen. I have asked for answers from this company with no received none. I have more paper work I would like to send for more info, but I could fax it would be quicker. I have the current documents from Planet home lending 's current attorney and it is not correct.
Thank you for your time,
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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In the year XXXX, I contacted my mortgage company planet home lending about a forebearance program they were giving clients at the time. I signed up for the months of XXXX, XXXX, XXXX and XXXX of XXXX and I sold my house in XXXX of XXXX, paying off the forbearance program on time and also my full mortgage loan. I then caught up on all my finances after a few months and went about to reapply for another home loan since rates were low. I was turned down telling me I had late payments for the months of XXXX, XXXX, XXXX and XXXX from the forebearance time. I called them on XXXX XXXX and they told me they would immediately take action to resolve this issue and remove false information. Well it is XXXX XXXX and they have not resolved this matter, what makes matters worse my credit report also has the month of XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX marked as being late on payments. Again I sold my house on XX/XX/XXXX and all those prior months listed on my credit report that are false and in accurate information from planet home lending. This is preventing me from getting a home!
|
| 09/28/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
Greetings : My name is XXXX XXXX. My mortgage loan is with Planet Home Lending. From XX/XX/XXXXXXXX to XX/XX/XXXXXXXX I was making a monthly Escrow payment of {$47.00}. When XX/XX/XXXXXXXX arrives, Planet Home Lendig lowers the monthly Escrow payment to {$21.00}. The one that determined that amount to pay was the bank.
When XX/XX/XXXXXXXX arrives, they increase my payment to {$130.00} because they need to recover the money not paid by me. I contacted them on XX/XX/XXXXXXXX to verify the account and find out what happened. They told me after two hours that what happened was a bank error. I tell them what the difference is and they tell me that it is {$1100.00} and I do not agree with that amount because every month there was a monthly contribution to Escrow and I understand from some calculations that it is not the correct amount. The bank staff tells me about the error but I have to pay for that error.
I would like the reason for the Escrow problem to be investigated and why I am being billed for a larger amount than expected.
I was never notified of the situation
|
| 03/13/2018 |
Yes |
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Web |
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Planet Home Lending continuing to give me a hard time about the mortgage. I called recently, and asked about how much it would be to do a PAYOFF. As I had a buyer interested in the property. They had already begun preforeclosure.
I was told I simply had to fax them a letter stating I would like a PAYOFF quotation. That was on Friday. Today, I called to get the quote. They said it takes 3 to SEVEN business days to get a quotation. We go to court on the XXXX for the foreclosure hearing.
Ever since I became the administrator of the estate, Planet Home Lending has tried to foreclose on the house.
One time, they took money out of my account and put it back in the next day so they could later say I was behind on my payment. Also I got behind on payments, they said they would work with me. They sent me a form to fill out, but DOUBLED the monthly premium. saying I had to pay that amount BY LAW, to cover lawyer fees. I asked them to extend the payment out, but they said BY LAW they could not, I tried to pay the DOUBLED amount but could not. They began the foreclosure process.
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The two companies at issue are XXXX XXXX XXXX and Planet Home Lending. The loan was transferred to Planet Home Lending in XXXX of XXXX.
The mortgage companies have been charging me for real estate taxes and homeowner 's insurance through an escrow portion of my monthly mortgage payments. However, since loan origination in XXXX I have always paid the real estate taxes directly to the City XXXX XXXX. And I have always paid my homeowner 's insurance directly to XXXX XXXX XXXX.
I have provided proof to both lenders that I make payments directly to these entities. An I have requested from them that they provide me with copies of bills paid and the names of the municipality and insurance companies they have paid out of my escrow account.
They have refused to provide copies and receipts of payments made from my escrow account. They did provide a transaction report but that does not identify where the money is being sent. And they continue change the escrow portion of my payment, when in fact, I should not have an escrow account since I pay taxes and insurance directly.
|
| 02/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was transferred to Planet Home Lending. Despite having a non escrow account Planet Home Lending attempted to pay my property taxes to XXXX XXXX County. These taxes were not late and I had already paid them so the money was sent back to Planet Home Lending. I was able to have the county give me a check number and the date that their payment was cashed, which was XX/XX/21.
I called Planet Home Lending on XX/XX/21 and relayed this information to them and they told me that they couldn't find the repayment in their system. They said that the would need to investigate the issue and that it would take 45 business days giving it an estimated resolution date of XX/XX/21. This seems like a shockingly long amount of time to resolve the issue given that this was a mistake on their part and that I have given them the information they need to resolve the issue. The amount of {$4900.00} is significant and is holding up my ability to get other financing. I have also submitted a written request for help on the Planet Home Lending website and have not received a response.
|
| 10/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
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I had a HELOC account through XXXX XXXX XXXX that I thought was forgiven back in early XXXX for approximately {$92000.00}. I have not heard from any company until Planet Home Lending purchased the account from XXXX in XXXX I believe. When they took over the loan they agressively started collecting practices. They post late payments since XXXX and charged lated payments penalties and interest payments for a new balance of {$140000.00}. I tried to get a loan to payoff that loan but was denied several times due to the credit reports they posted about the loan. They set up a new finance agreement and monthly payment arrangements but still list the account as late monthly. They home listed the home on foreclosure site in which I have never been in foreclosure. Please help remove all late payments and foreclosure reports and stop them from continuing to list the account as late. Also they started something new where they list my payment is late if not received by the XXXX of each month without any notice. I typically make my payment from XXXX to the XXXX of the month.
|
| 03/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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Escrow Account : My escrow balance is {$7600.00}. I received several tax bills and at first wasn't concerned knowing I have an escrow account. I was only concerned about the supplemental that I am responsible for outside of the annual taxes. Upon further investigation I realized that my taxes have not bee disbursed for the reassessed amount and the county is now charging a late fee. I will not pay this fee. It is the servicers responsibility to make sure those taxes are paid. I have made multiple attempts via phone to resolve this matter and by email. It is falling on deaf ears. It is the job of the servicing agent to make sure escrow accounts are disbursed correctly and timely. Being that I am experiencing this and I am in the business, it makes me question what other borrowers are a victim of this and how many have paid erroneous late fees because of poor accounting by this company. In addition I had initially paid the XXXX as I knew it would be a supplemental later. Planet Mortgage sent a notice that they issued a refund. I have yet to receive this payment.
|
| 12/24/2015 |
No |
|
- Settlement process and costs
|
|
Web |
|
|
My mortgage lender, Planet Home Lending, contacted me about refinancing my existing VA Home Loan. I decided to pursue a cash-out refinance with Planet Home Lending and during the closing ( XXXX XXXX, 2015 ), I was made aware that the money in my current escrow account ( $ XXXX+ ) would be used to pay my real estate taxes ( due XXXX 2015 ). During the closing, I noticed I was charged another {$4100.00} for escrow to pay the taxes ( due XX/XX/XXXX ). I called the loan officer ( XXXX XXXX ) and he informed me that it 's imperative to get the loan closed, and he would research the issue and get me my refund of the Escrow. To date, Planet Home Lending has paid me {$240.00} ( balance between taxes due which was {$3200.00} and the total amount in the escrow which was {$3400.00} ). However, they charged me the {$4100.00} to pay the taxes again and they have flat out refused to refund my escrow of {$3200.00}. To make matters worse, I am paying on a loan that includes the additional escrow amount that should be refunded to me. I really need help resolving this issue.
|
| 03/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I believe my loan servicing company, Planet Home Lending ( XXXX ), is illegally holding mortage payments in an effort to collect extra interest payments on my mortage loan. On XX/XX/XXXX, I made a wire transfer of {$150000.00} to Planet Home Lending ( XXXX XXXX Number : XXXX ). Initially, PHL did not even post the payment. After several phone calls, they finally posted the payment. They assured me the payment would be posted per the date of receipt. As indicated by the XXXX number, PHL received the payment on XX/XX/XXXX. Per the attached payment history, PHL posted the payment on XX/XX/XXXX. Per the attached amortization schedule, final payment is {$750.00} and is due XX/XX/2036. Per my attached calculations, the final payment amount should be closer to {$150.00}. Clearly, PHL has improperly held this payment. Looking again at my payment history, it appears that they also inappropriately held an extra principal payment, but that seems to have been correct. I am concerned that PHL is in the habit of holding payments before posting them to mortgage loans.
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Last year mortgage company Planet Home Lending put a mark on my credit, stating that my mortgage payments were delinquent. Ive contacted them PLENTY of times over the last year to correct this. Ive submitted proof of a wire transfer that wasnt marked until months later. The company assumes responsibility but will not, will not correct it with the credit bureau. Weve escalated the issue is all I hear from them. Im in the process of refinancing my home and I can not do so because there is a mark on my credit report that was not my fault. In the interim, not only is planet home lending failing to update my credit with the Credit bureau, but they refused to write a detailed letter. For the last few months I have specifically requested an email and hardcopy letter stating that it was their fault that my account was delinquent for the specific months. Ive been getting the run around. On XXXX of XXXX I submitted a complaint with consumer finance and that was answered rather quickly, what is the issue with responding to a corrected letter to fix my credit?
|
| 01/12/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with XXXX XXXX XXXX and second mortgage owned by XXXX XXXX XXXX acquired through XXXX XXXX between XXXX and XXXX. XXXX XXXX XXXX failed to modify our second mortgage and in XX/XX/XXXX offered us a settlement between {$75000.00} and {$78000.00}. We were not able to come up with the cash and in XX/XX/XXXX, XXXX XXXX XXXX offloaded the mortgage to Planet Home Lending.
The above information was shared with XXXX XXXX law and they offered to assist. Total payments made to the law firm was {$3100.00} as follows : XXXX XXXX {$490.00}, XX/XX/XXXX {$710.00}, XX/XX/XXXX {$420.00} and XX/XX/XXXX {$1500.00}.
I requested for document submitted on my behalf by the law firm and the written response they received and they could not provide any of the requested documents.
Planet Home lending is now threatening to foreclose and force a sale of my home. Documents filed on behalf of Planet Home Lending by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX is attached
|
| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Planet Home Lending is harassing me with bogus fees and costs. I called Planet out for overcharging me {$870.00} in fees/costs that it got paid for by HAF. It took me 2 letters to Planet demanding an itemization and reconciliation of fees/costs. Planet was finally forced to acknowledge that I was right and they were wrong and they had to send the funds back to HAF. Planet is now retaliating against me.
Planet claims in its XX/XX/2023, letter a {$100.00} fee for " Lawncut ''. Planet claims my neighbors were complaining about the lawn. That statement is a lie and Planet refused to provide me with any such proof. I have a neighbor move the lawn every 10-14 days and he states no one else has ever mowed the lawn.
Planet states in its XX/XX/2023, statement that it is charging me {$770.00} in pending advances. I called Planet and no one knows what that is for but I'm being charged. I'm also being charged {$150.00} auctioneer fee when I was under Maryland legal protection from a foreclosure. Planet is doing what it can to steal money from me.
|
| 02/03/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Received foreclosure notice from foreclosure attorney XXXX. I spoke with customer service Planet Home Lending XXXX XXXX, requested assistance for my home to stop the foreclosure. I have called several times every week since I received the foreclosure letter. Spoke with XXXX XXXX XXXXXXXX Planet Home Lending I was told again by him and customer service I needed to speak with foreclosure attorney to get assistance. The attorney has told me since XXXX XXXX, XXXX he was sending my mortgage servicer and email to stop the sale and know he will not return my call. I have been given a different information every time I've called. I have been given bad information and the run around I have been in my home for over 10 years. I did not receive a letter stating the debt was being accelerated or a letter to validate the debt. I am requesting copy of deed and note. I want this information before my house forecloses. Tennesse law says I am supposed to receive this information when I request it. I have been affected by XXXX, my income has been reduced...
|
| 05/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On Thursday XX/XX/XXXX of 2021 at XXXX, I sent a formal request via email to Planet Home Lending for an appraisal of my home to be able to see if I could remove PMI.
I am required to only use appraisers from Planet Home Lending.
I received a response email from Planet Home Lending ( PHL ) stating all I had to do is send documentation of home improvements and costs for them to schedule the appraisal.
On Tuesday, XX/XX/2021 at XXXX is sent two receipts from my over XXXX dollars of renovations to PHL.
On XX/XX/XXXX of 2021 at XXXX I asked about the status of my request for an appraisal.
On XX/XX/2021 at XXXX I was notified by PHL that my request for an appraisal was denied and cancelled for not meeting requirements to deserve an appraisal.
I believe I am being unfairly charged PMI when I clearly have increased my home value by over XXXX dollars. Even my local tax office in XXXX XXXX appraised my home at over XXXX dollars more than last year. Yet PHL will not even let me have an appraisal ... ..just to keep me paying more money.
|
| 05/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I closed on this home XX/XX/XXXX.
The loan was originally with XXXX XXXX, XXXX. On XX/XX/XXXX Planet Home Lending took over. I had already provided a tax exemption document from my local tax assessors office. The issue took 3 weeks to get resolved, the property taxes was removed. In the mean time the insurance side ( of Planet ) had to verify the HOI was done. It was verified and I received a copy of the insurance being paid ( {$2600.00} ) and cashed on XX/XX/XXXX. On XX/XX/XXXX Planet sent another payment for {$2600.00} to the HOI. Planet had no recollection of any previous payments. Although XXXX XXXX has already sent me a copy of the payment from XX/XX/XXXX. This put my escrow account in the negative approximately {$2000.00}. My property taxes finally got removed. The double HOI payment Im still waiting on a refund back. Now the property taxes have been added back on. When its already been verified of the exemption. Per Arkansas statue 26-3-306 this needs to be removed as I am a 100 % SERVICE connected PERMANENTLY XXXX Veteran.
|
| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Start refinance in XX/XX/XXXX. Submitted all proper documentation to lender to start refinancing. Always submitted updated documents on time. I was assigned three different processors since the start of the refinance until present day, XX/XX/XXXX. Never received updates on refinance or notification that my loan a refinance was being handled by a different processor. It was only discovered after numerous phone calls and emailing her escalation department regarding the matter.
I notified loan officer my my concern at the rate lock expiration date. I was promised of a rate lock extension if the loan did not close in time. Now rates have gone up and no longer qualify for the original rate that was locked in XX/XX/XXXX.
Now Im getting closing disclosures with different figures from the original closing costs from XX/XX/XXXX. They are being deceitful and theyre closing disclosures regarding the cost and attempting to charge me buydown fees for the rates.
I have kept all documentation and emails sense initiating a refinance process.
|
| 09/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a letter approximately XX/XX/XXXX stating that my escrow account was short, when I looked at the balances I noticed my escrow account had paid someone elses property taxes along with my own. When I called and verified that they paid the wrong taxes they assured me it would be handled within 30 days, when I called back on XX/XX/XXXX they said things look good and call back on the 24th to make sure everything was handled. When I called back nothing had been completed and my escrow account was still negative approximately {$2000.00}. So now I am stuck with a {$400.00} a month payment higher than I should have due to their error my normal payment is {$580.00} and my new payment due to their error is {$1000.00} and there seems to be no fix in sight. I have to wait for them to get a refund from the local tax Authority before they can fix my account, I dont feel as I should over this debt being it was their mistake. Why do I have to wait for them to get a refund before fixing my escrow balance making the mistake my liability
|
| 11/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On a statement dated XX/XX/XXXX, I received notice that my mortgage payment was increasing from {$1000.00} to {$1300.00}, an increase of over 25 % monthly. This caused me to start an investigation as to why my payments had increased. I reviewed my escrow account and noticed that the mortgage company had mistakenly paid my spring tax bill multiple times from my escrow.
My Spring tax bill should have been {$1100.00}. They paid that amount on XX/XX/XXXX and then paid {$1100.00} on XX/XX/XXXX. Then there was a refund of the initial {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX, they paid {$1100.00} AGAIN. This double payment ( which was really a triple payment with one refunded ) has caused my escrow shortfall and the increase in my payment.
I have laid out all of the evidence for my lender several times with little to no responses. I work in XXXX XXXX and deal with XXXX XXXX XXXX i know exactly how this process works. There is a refund due to me and my monthly payment should be adjusted back to where it was before this overpayment.
|
| 01/29/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XX/XX/XXXX, I contacted Planet Home Lending letting them know that I have become XXXX, and that I need assistance with my mortgage until my hearing with the Social Security Administration. It is listed all over their website that they have programs and are happy to help. They reported that they received my paperwork on XXXX XXXX XXXX. It is now XX/XX/XXXX and not only have I heard nothing from them regarding my need for assistance, which I was promised within 30 days of them receiving my paperwork, I am still receiving call after call from nasty people from planet home lending asking when I was going to pay my bills, or pay my mortgage to current status. They also have people taping nasty notes on my front door telling me to pay up. Not only have they lied repeatedly about wanting to help, they are charging me late fees for every month they make me wait for them to give me an answer. I WAS NEVER TOLD BY ANYONE AT PLANET HOME LENDING THAT DURING THIS TIME I STILL NEEDED TO MAKE PAYMENTS UNTIL I HEARD BACK FROM THEM.
|
| 09/04/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
Planet Home Mortgage apparently bought my VA mortgage from XXXXXXXX XXXX in XXXX. They are stating they converted this loan into a conventional loan without my signature or closing.
Attached are closing documents for ( XXXX ) Documents clearly state VA mortgage.
Loan ID # XXXX MIC # XXXX In XXXX, I did a VA loan modification with XXXX XXXX
Attached are the documents.
Principal and Interest : {$1300.00} Estimated Escrow : {$330.00} Interest Rate : 3.250 % In order to solidify the loan modification, I had to make 3 consecutive payments of the new loan modification agreement, which I did. ( See checks attached ).
I have been in contact with the VA several times and the adamantly state Planet Home nor any other mortgage company can change the status of the loan from VA to conventional on their own without consent.
They are trying to raise my monthly payment from {$1600.00} ( agreed in loan modification ) to a conventional rate of {$2700.00}. Again the VA stated this is preposterous and can not be done.
|
| 12/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
I have an impound account with planet home lending, they failed to pay my taxes on XX/XX/2022. I had to pay with my credit card, the home was going to auction as taxes werent paid. I called planet home lending about 20 times over a 6 month period and they asked me to fax over my receipt from my county assessor, which I did twice. Last call I was told case closed and my taxes went up by XXXX dollars. I didnt understand why. They told me I do not get a refund for the taxes I paid and am afraid on my impound account, that will fail to not pay again. Do not trust this company.
When they bought my loan from my original lender, they had me faxed my last payment from original company and I called and told them please do not give a 30 day late. I followed up for 2 months about 10 calls and they still gave me a 30 day late on my credit report. 5 more calls and threat that I would sue, they corrected their mistake. Terrible customer service m they would tell me to hold for a second and then they would cut my call.
|
| 03/15/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Planet Home Lending is my mortgage servicer and they are not crediting my monthly payments to my account in a timely manner. I mailed check number XXXX in the amount of {$1000.00} in XX/XX/XXXX for a XX/XX/XXXX payment and the company still has not cashed the check ( today is now XX/XX/2017 ). Planet Home Lending has also locked my online account and will not distribute a monthly statement so that I can see my mortgage account information. I have sent a written notice to the company in XX/XX/2017 to request that I start receiving paper statements again but they have not responded to my request, nor have I started receiving statements for my account. This company is very unresponsive to my written requests and now they will not deposit payments received to this account in a timely manner. It is almost as if they want the account to default by way of not honoring my payments. I would like help in having my payments posted timely and also receiving a mailed monthly mortgage statement from this servicer.
|
| 12/07/2023 |
Yes |
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX sold my loan without any type of notification, to Planet Home Lending. XXXX XXXX continued to process my payment through auto-pay after the loan was transferred and in so doing brought my account with Planet Home lending into delinquency which I had to straighten out with my bank by stoping payment on the transaction and having a bank check sent to Planet Home lending making my payment late. XXXX XXXX also did not transfer existing Escrow funds when they turned over the loan and now my account with Planet Home lending is showing in the rears on my Escrow account. and are charging me a monthly service fee above and beyond the interest they are already making on my VA Guaranteed loan.
This is the second time my loan has been sold in XXXX years and am very displeased with it since my payment history has been exceptional.
Planet Home is very much borderline on predatory lending laws in how they service their accounts and how they treat people when trying to resolve issues on those accounts.
|
| 07/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I am currently XXXX, and a XXXX Veteran I have been taken advantage by my mortgage company Planet Lending and the realtors they are working with to force me into a short sale which has valued my home XXXX less than what it worth. On XX/XX/XXXX I received a threatening letter from the realtor ( see attached ) stating that my home would be foreclosed on that day if I did not go through with the short sale, furthermore the letter urged me to contact Planet Home Lending and they would not be mad at me. Operation Reach reviewed my documents and found out that Planet Home Lending was assigned the loan on XX/XX/XXXX, I received a denial letter for a loan modification dated XX/XX/XXXX. Planet Home lending filed a Declaration for a Notice of Default on XX/XX/XXXX, which is not 30 days for my appeal which is mandatory in the State of California. Planet Home Lending has violated the homeowners bill of rights and I believe that both the Realtor and Planet Home lending are working in concert to take my home.
|
| 01/25/2023 |
Yes |
|
|
|
Web |
|
|
I have recently come to learn that my mortgage note was sold several times into a XXXX. The XXXX and XXXX XXXX reveals that my realty was securitized. The amounts are unclear. This scenario was not disclosed to me during closing and the signing of the XXXX XXXX XXXX XXXX on XXXX, nor the refinance on XXXX. Disclosures are very much the ideal under the Home Ownership & Equity Protection Act, Title 15, United States Code, Section 1639. The XXXX and XXXX XXXX, a public document, is also accessible to the XXXX XXXX XXXX XXXX. I am certain the profits derived from such mortgage-backed securitization was more than enough to extinguish my mortgage debt. '' It is my understanding that wagering monetary contracts are to be settled and closed in 3 years by the state comptroller of the currency. Planet Home Lending misrepresented themselves as " lenders ' in the transaction and on IRS tax documents. It appears Planet Home Lending is engaging in a conspiracy to defraud me and the UNITED STATES.
|
| 10/04/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Planet Home Lending ( PHL ) is currently servicing my home loan. They are claiming that I signed for a trial loan modification based on these terms ~ {$1100.00} payments due XX/XX/2019, XXXX XXXX & XX/XX/2019. They are claiming the modification documents were sent out on XXXX and you returned them on XXXX. PHL never modified the loan on a permanent level, which is a violation of CFPB and HUS servicing law. Instead they have pushed the case into foreclosure and have set a foreclosure sale date for XXXX. PHL also claims that they do not have records from the prior servicer, since they took over this loan XXXX, which is a violation of RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), They also do not show any record of the IN 32-30-10.5 mediation hearing notice or the FHA face to face meeting notice requirement was met. Both of these are violations of Indiana State Law and The False Claims Act ( FCA ) aka Qui Tam. Since PHL is refusing to cooperate on this matter, I am seeking your assistance.
|
| 07/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, I have been trying to short sale my home with my Broker XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX. We have had the home on the market for 4 months and have had offers. The home is not worth the asking price that was set by my Lender Plant Home Lending. It is XXXX over the market value and nobody is looking at the house. The bank asset manager claims that the private investor will not take less than the XXXX value but the home is only worth XXXX. I have repeatedly asked for copies of the appraisal and was told no, they do not give them out. I feel I have been treated unfair by this lender because they are forcing me to do a Deed In Lieu because the home is in fairly good condition and they can turn around and resell it for a profit. My husband and I are elderly and are on SSI and that is the reason we got behind in our payments. If we do a DIL and not a short sale, we might not be eligible for low income housing. Can you please help me? My bank contact was XXXX XXXX XXXX
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
A refinanced loan was sold to Planet Home lending in XXXX. The loan was not to include escrow for Tax and insurance. I made them aware of the issue XX/XX/XXXX after waiting for over an hour on hold. I made a full payment {$2000.00} because they threatened collections even though the payment amount on the notarized loan documents stated {$1500.00}. A check was then sent to them by the originator for the amount of {$1500.00} they have held that check because my account is in review. Now on XX/XX/XXXX they are again calling me for collections for a payment that was to be due on XXXX. Even though they are still holding a payment. Every time I call I am on hold for more than a hour and am told to just make the payment to stop the collection calls, as they are still reviewing the account. They are now refusing to refund the over payment or apply the the amount paid to the loan. The only option they gave me was to go ahead and make another payment to get my account out of collections.
|
| 03/25/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Planet Home Lending. While with XXXX XXXX I recieved a loan modification in XXXX which was finalized approved by the XXXX XXXX. Once the transfer took place Planet Home lending did not acknowledge the modification until I called several times and they were and still are reporting my mortgage as severely delinquent. Ive continued to speak with them monthly to make my usual payment yet still receive statements showing Im delinquent. Their XXXX XXXX filed a claim and then withdrew the claim as it was acknowledged that mortgage is no longer included in my active bankruptcy because once again it has been modified. My last communication was today XX/XX/XXXX and XXXX told me she reached out to her XXXX on XX/XX/XXXX and there still has been no update.I understand XXXX XXXX maybe also did not transfer over my information properly but now that Planet Home has the correct information it still has not been updated.
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I contacted Planet Home Lending on XX/XX/2020 to discuss a forbearance. I was told that I did qualify for a XXXX forbearance under the CARES act and to follow up in XXXX. They said they would also send a letter about the forbearance which they never did. When I called back in XXXX, they said that my mortgage was sold. In the meantime, when I again called and asked why they were reporting my mortgage as past due to the credit reporting agencies they said because that is how they report it. Again, I requested the letter regarding my forbearance as well as my taxes for 2020, both of which I still have not received.
Today, I called my new lender who claims to have no knowledge of my request for forbearance to Planet Home Lending. They have been wrongfully reporting this to the credit agencies for months now when I was told I qualified on XXXX/XXXX/202 and there was nothing further for me to do.
I can not get any further information from the company or my taxes.
|
| 12/24/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I purchased my house in XX/XX/2020. My lender was XXXX. I received a payment voucher from Planet Home Lending in XXXX. I contacted XXXX to ask who I should pay. They informed me that they were still my lender and I made my XXXX mortgage payment to them. Planet Home Lending has been calling demanding XXXX payment as well. I spoke to XXXX XXXX yesterday and he was supposed to provide a copy of the goodbye letter from XXXX XXXX. He never called back or emailed me the letter. I suspect it doesnt exist since my lender said that they still owned my loan. I believe that Planet missed a step in the process to take over my loan. They have demanded that I pay them for XXXX when I have already made my payment to my original lender.
Planet is bullying me and trying to make their mistake my problem. They have threatened to report this delinquent payment to the credit bureau. My XXXX payment was made on XX/XX/XXXX so I am definitely not delinquent.
|
| 03/25/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
As of XX/XX/2021 we send a loan modification to Planet Home Lending to request a resolution to avoid a foreclosure but after being in review we had a denial and during the reviewed they never placed my foreclosure on hold during the reviewed. They send me a Denial Letter dated on and we called to find out that my house was going to go to Foreclosure in 2 days. I felt I was going to get a XXXX, I am an XXXX man and XXXX and this really hit me very hard. I am paying my XXXX Mortgage with XXXX Mortgage and I am in good standard. I am now getting foreclose on my XXXX mortgage which is Planet Home Lending and I am very scare of what this financial institution is trying to do with me only they want to take my home away. I had to hire an Attorney to stopped my foreclosure and see what he can do to get me out of this problem. But I need your help to get this company to give me a resolution or to give me more time to get a loan modification..
|
| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have been threatened by my mortgage company of foreclosure. I have called them several times but get a different response every time. I fell behind due to problems with my personal checking account. I found erroneous charges on my account which cause my mortgage payments to bounce. Once that was settled I have made my payments from a new account for the past 5 moths. Out of those five moths, 3 months of payments were returned to me with no explanation. When I called to find out what was going on, I was given different answers every time. At this point I do not know if I still own my home & have to move. I have not received anything in writing & I'm terrified that I will be evicted with no advance notice. My main concern are my XXXX dogs which are my " kids '' or babies. I XX/XX/2018, I signed an agreement with the company to make elevated mortgage payments to get caught up. My last three payments were returned with no explanation.
|
| 11/19/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Each month my husband and I pay our mortgage on time. We just purchased our dream home in XXXX. PLANET HOME LENDING purchased our mortgage from our previous mortgage company. We have our taxes rolled into an escrow account. Our escrow account has XXXX $ in it. Our mortgage company is refusing to pay our taxes in a timely manner. The township we live in is threatening to put our house on tax sale. This is public record, and we dont want or need this stress or blemish. We are considering taking the company to small claims court. We have been calling the company all week, and they keep putting us on hold and not answering our questions. They told us they were going to call the township and they have not made an attempt to call the township as we have been contacting them everyday. We have a XXXX year old XXXX that lives in our home and we can not have the threat of losing it to something thats out of our control. Please help us.
|
| 02/28/2017 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Since last Friday, XX/XX/XXXX, I have been trying to get a pay off quote from Planet Home Lending to refinance my mortgage with another lender.
I was divorced on XX/XX/XXXX and my ex-husband 's name and my former married are noted on this account.
My name was changed on XX/XX/XXXX. Planet Home Lending received my caurrent and valid dl, the divorce decree that also states I was awarded this property and the court order that I must refinance the property under my name and a XXXX they required I fill out and submit.
Planet Home Lending has not had any problem accepting the monthly mortgage payment for the past 20 months from my checking account that has only my name.
As of today, XX/XX/XXXX, they have not complied with this request. This has cost me more money for the daily Interest charged on the Principal balance and have delayed the refinancing of this court ordered decree.
The account # is XXXX.
Thank you.
|
| 02/23/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.
|
| 04/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was just recently sold to Planet Lending in XXXX, I believe, after I refinanced with XXXX XXXX. My payment was XXXX. XXXX may have been the first payment with Planet Lending. The payment was XXXX. In XXXX it was XXXX and now it's XXXX. What is going on with my payments?? It's changing without any explanation. When I called to make sense of what possibly could have been estimated almost $ XXXX incorrectly, I was told the escrow estimate had not been done and wouldn't be done until XXXX. So, why did my payment increase like that? After 23 years of owning a home, I've never experienced that type of escrow adjustment and with no explanation. This has to be an error or someone's huge mistake. While this payment is not creating a hardship, I agreed to a certain payment. {$240.00} more is not what I signed up for and I want this corrected but received zero information or assistance when I called the company.
|
| 07/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My husband is a XXXX veteran at XXXX XXXX. Due to this XXXX, we qualify as exempt for property taxes in Illinois at XXXX XXXX. This paperwork has been submitted to the mortgage company and has reflected on our payments for the last 6-7 months.
A new escrow analysis has been performed and the mortgage company is trying to raise our monthly payment from {$670.00} to {$1000.00} due to property taxes.
I have personally paid the property taxes in full for the year directly with the county, of which I have proof of. The mortgage company has all of this documentation for the exemption and the proof of full escrow payment for the year of 2022. The mortgage company continues to try and raise our payment. I believe this is discrimination against a XXXX veteran.
I have tried multiple times to rectify this with the mortgage company but for some reason they will not lower the payment where it should be.
|
| 04/28/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I sent in a third party authorization to Planet Home Lending on XX/XX/2022. I received an email this morning from the lender that it was denied since both the borrower 's signatures were not on the authorization. This of course is against the law. Only one signature is required to discuss the loan. The borrowers have agreed to sell the home for a cash price and escrow has been opened today, the lender will be paid in full. We simply need enough time to close escrow and satisfy my client 's debt to the lender.They are willfully delaying my ability to discuss this loan and get an extension on the pending auction date of XX/XX/2022. XXXX XXXX XXXX XXXX XXXX and has difficulty just holding a pen, let alone producing her signature. That is the reason she didn't initially sign the document. This is obviously a cash grab by this company and they're willfully committing multiple violations of bank fraud.
|
| 10/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I was on planet home lendings deferment program. I signed paperwork for a deferment period XX/XX/2023 through XX/XX/2023 with XXXX payment due XX/XX/2023.
I called in to make the payment early ( in XXXX ) When I called I told the lady on the phone this is my first payment that is due on XX/XX/XXXX. She took the payment and nothing was said.
I later found out that they applied it to a XXXX payment that was supposedly due. I was NEVER told of a XXXX payment due, the woman on the phone did not say anything about it. If i actually had a XXXX payment due why was the deferment period not XXXX through XXXX? Also, If I would have just waited and made the payment on XX/XX/XXXX nothing ever would have been said about a XXXX payment.
My money was miss applied and I need it re applied to XXXX.
I have gotten no where with the company. They will not take any responsibility for miss applying my payment.
|
| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My mortgage is with Planet Home lending ( purchased from XXXX ). We have been paying down our mortgage principal through our monthly payments. I have requested that Planet adjust our monthly payment amounts owed for this reduction in principal. They have refused by stating '' the investor does not allow this ''. I do not see this requirement in my mortgage terms yet their customer service says that this can not be changed. I have tried several times to reach senior executives and only get form letters. Phone calls are not returned, when you are able to find contact details as these will not be given to customers.
By not reducing my principal outstanding Planet is charging me interest on a larger amount that does not exist, this creates excess income for them at our expense.
There are other issues that they do which are not in my terms but again customer service can not explain or adjust.
|
| 12/03/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My current mortgage is with Planet Home Lending ; for several months I have been attempting to get an IRRRL as I am struggling with my current mortgage payment and before it was due to increase, I wanted the refi to close. I had to borrow from my 401K as I was not current and was told had to be current to move forward and once I was current and they were processing, I would not have a payment for 2 months. I did so, on the XXXX of last month, they told me they couldn't close and now i had to pay that month and in two days the current month - again, I was struggling with the existing payment, my husband abandon me a year ago providing no support, and had to come up with {$2000.00}. Now i am 3 month behind, can not process a refi, can not borrow and they will not help me until i am current. I do not want to lose my home, i just want to refi for my payment to be more manageable for me alone.
|
| 04/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, On XX/XX/XXXX, my home owners insurance was not renewed. I did not carry insurance until XX/XX/XXXX. My mortgage lender is charging me force placed insurance for the 2 months there was no homeowners insurance. I believe they are complying with the law as far as giving me notice about this. I failed to open my mail to see the nature of the penalties.
This complaint is about egregious insurance rates that I am being charged. My current homeowner 's insurance is $ XXXX/year ( $ XXXX/month ). Planet Home is charging me {$4700.00} for 2 months. I have read that this type of insurance can be 2-10 times more than insurance that I would by myself. This is 65 times more! I am willing to pay a fine for failing to understand that I was required to have insurance. As of this date, Planet Home is taking advantage of the law that has no restriction on what a forced lending rate should be.
|
| 07/19/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I HAVE APPLIED FOR FINANCIAL ASSISTANCE DUE TO BEING LAID OFF OF WORK. I COMPLIED WITH PLANET HOME LENDINGS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE ON XX/XX/18, I WAS ALSO INFORMED THAT THEY ARE NOT GOING TO POSTPONE MY SALE DATE BECAUSE THEY HAVE 30 DAYS TO RENDER A DECISION WHICH WILL BY NO LATER THAN XX/XX/18. HOWEVER, IF THEY DENY ME DUE TO AN ERROR ON THEIR BEHALF I WAS INFORMED THAT WORSE CASE SCENARIO THAT I WILL BE ABLE TO APPEAL THE DECISION WITHIN 30 DAYS OF DENIAL, I ASKED THE REPRESENTATIVE THAT I SPOKE TO IN LOSS MITIGATION HOW CAN I APPEAL IF THE SALE IS IMMEDIATELY AFTER THE DECISION AND HE SAID I CANT. THIS IS NOT FAIR, I HAVE READ THE CFPB GUIDELINES AND THE MODIFICATION GUIDELINES REGARDING SALE DATES AND THEY BY LAW HAVE TO POSTPONE THE SALE DATE AND IT APPEARS PLANET HOME LENDER DOESNT CARE ABOUT THE LAW AND DOING WHAT THEY WANT.
|
| 04/03/2020 |
Yes |
|
|
|
Web |
|
|
I requested payoff information for my own mortgage on XX/XX/2020. They sent a reply back stating that the request needed to come from my 3rd party title company. So the title company sent it through. They have had plenty of time to process this claim. However I was supposed to close yesterday XXXX. I went in to close and they informed me the mortgage company hadn't sent any information over. So after hours on hold I finally got ahold of some who promised it would be done by the end of the day, so that I could close on my house today. XXXX XXXX still no paperwork. So after calling several times today I finally get ahold of someone who tells me that the paperwork has yet to be started but we should have it by the end of the day today XXXX. However the buyer is in a time crunch as am I to close. The mortgage company refuses to send me any information or give it to me over the phone.
|
| 10/12/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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We did a covid relief package during the months of covid with Planet Home Lending. They sent us papers but never contacted us at the end of the term. We were then sent invoices saying we were in foreclosure because we owed {$23000.00} in back payments during that period. Never given a chance to do a repayment and it was added to the end of the loan..just immediately got served foreclosure court papers. I assumed a VA loan had more leway. Now we called and did all the paperwork and forms to do a loan modification but the amount was ridiculously high for our 3 monthly payments and we weren't even asked what we could afford or given any options to add the covid amounts to the end of our loan and continue to pay the mortgage. We want to stay in our hoke and restart paying our original loan amount. Planet Home Lending isn't a honest company and has many complaints on the XXXX site.
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| 10/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2019 I contacted Mr. XXXX XXXX to discuss him refinancing two of my properties. I expressed to him that my wife works for a larger bank and we could get a good rate, but I was comfortable going with his company considering he had all of my information from a previous investment property that I had purchased a month earlier.
Mr. XXXX told me that if I refinance both of my properties with him that he would give me a lender credit at closing which equal to a combined amount of {$1800.00}. At the time of closing the money was not credited to me and he refused to send me a check for the amount. I would have never used his company if he had not agreed to give me the credit in the first place. The credit is not disclosed on the final HUD or disclosure documents. After numerous emails and phone calls neither XXXX or his manager XXXX XXXX send me a check for the agreed funds.
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| 05/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
|
Planet Home Lending , LLC as servicer of my mortgage loan is charging me {$3600.00} in " total fees and charges ''. Planet has itemized fees on the mortgage statement totaling {$2300.00}. That leaves over {$1200.00} in fees that were never reflected as owed or charged on my monthly mortgage statements.
There also appear to be duplicate fees/costs charged as far as attorney fees and " foreclosure service cost '' which I dispute as a legitimate fee or cost.
I was charged {$150.00} for " foreclosure sale costs '' when there was no foreclosure even scheduled for the property as I opted for mediation. The foreclosure case was dismissed in XX/XX/2023, as I received XXXX funds. I believe that Planet over inflated the fees/costs since XXXX was XXXX the payment.
I requested all XXXX party fees/cost be itemized in XX/XX/2023, however Planet has failed to respond to that request.
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| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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In XXXX I filed bankruptcy and Discharge in XXXX. The 2nd mortgage company disappeared in the bankruptcy and returned 9yrs later demanding repayment with interest or foreclosure. Because they disappeared and I couldn't locate what happened via numerous calls, I assumed the loan was Discharge as well until about 8-10 m9nths ago I began getting statements.
I'm attempting to get a loan remodification and pending the result but fear if they deny it, I'll see the home. The next hearing is XX/XX/XXXX when we'll discuss what happens next which would be only a couple weeks from the scheduled foreclosure date.
Shouldn't yhe loan have been forgiven after 7yrars of no contact or interest in the property anyway. Nor have they reported to any credit bureau for 9years displaying no interest until now, and I'm beginning to believe it may be foreclosure fraud on senior citizens.
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| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This company Planet Home Lending LLC has been misrepresenting themselves to be my creditor since XXXX, They never gave me a VA loan for XXXX.I don't know who they are, or where they got a promissory note from alleging to be my signature. This is the result of Identity theft of a Security Instrument. Forensic Expert report will reveal forgery of both Note and Mortgage. They foreclosed on my house in a final judgement XX/XX/XXXX, but yet updated to Equifax on XX/XX/XXXX that I never missed a payment for the same year XXXX and reported 10 months of payment for XXXX and 12 months of payments made on time in XXXX and 9 payments made in XXXX. Since I made all of these payments then why did you foreclose and leave me and my family homeless? Since the files are too large to upload send me an email address to request the forensic reports for the mortgage and note.
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| 08/09/2022 |
Yes |
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- Trouble during payment process
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Web |
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I applied to XXXX and was awarded payment for past due XXXX months mortgage plus XXXX months fwd. The payment was sent to my mortgage lender - Planet Home Lending on XX/XX/22. It is now XX/XX/22 and the payment still has not been posted my account. I am XXXX days from XXXX past due bc they have not applied the wire transfer from XXXX. Ruining my credit- theres strange men trying to access my home and leaving letters from Planet Home Lending. Per Planet Home Lending an inspector!
I have spoken with my case XXXX at XXXX & payment was accepted by Planet Home Lending. I did get the payment ID & ACH wire transfer info from XXXX & sent it to Planet Home Lending to locate the payment. They are saying they still have not located the payment to apply it to loan mortgage???? I do not understand why they do not have this applied after XXXX days. Please help!
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| 10/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
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Web |
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We bought our house in XX/XX/XXXX through XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX sold out loan to Planet Home Lending. We have had nothing but problems with this company from day one.Tried to say we were in a flood zone which we were definitely not then sent us a statement saying that we owe {$3000.00} for being in a flood zone. Called them multiple times even have proof and sent it to them they kept saying they will fix it and remove it which took months. That being said we kept getting statements in regards saying that we were delinquent we would get two or three statements a week. We even got our old lender from XXXX XXXX XXXX to try to talk to them with us which they told her they will be fixing things. Then they did not pay our home taxes which put us as delinquent. We have got the runaround for months and we are still going through it.
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| 11/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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Was affected by XXXX XXXX and lost my employment XXXX times because of XXXX. I have been talking to my mortgage company and submitted the requested documents by email for mortgage assistance or a forbearance a lot of times. I was told Tuesday XXXX XXXX, 2022 by XXXX customer service they did see my documents and they were just sitting. I emailed my paystubs and bank information they would stop the foreclosure. Spoke with XXXX customer service asked if she saw my information she said yes. Told her I was told by XXXX the foreclosure would be stopped. Spoke with Manager Loss Mitigation XXXX she told me documents were not in 37 days before sale date. I told XXXX my documents were emailed before the 37 days she held the phone and finally said she could not help me. They are unwilling to help me save my home and they refuse to help the customer.
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| 11/22/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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From day one when I tried to make a payment, they repeatedly yelled foreclosure. Then only after saying Id report them to a federal agency did they accept a payment.
I got behind, and they sent a PREFORECLOSURE statement to me. But in their report they noted payments that were for months that had not even came yet!!! ( see document ).
I reported them to your agency and they said they would work with me. They said they would allow the payments to continue, but I had to pay their LAWYER fees for the foreclosure process. I asked them to extend the time to pay back the money, but they said there was a LAW which said they could not do that, They demanded {$1200.00} down and {$600.00} per month for 12 months and said if I missed one payment they would foreclose. I was paying about {$330.00} before. So they almost DOUBLED the amount of payment.
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| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I purchased a home in XX/XX/XXXX, and purchased a XXXX XXXX policy on the home when I purchased it, paid through the title company. In XX/XX/XXXX, I switched carriers to Openly and paid the balance myself. XXXX XXXX sent a refund. On XX/XX/XXXX, I received a letter from the people my bank sold my loan to, Planet Home Lending, which stated they paid the new insurance policy premium. I called XX/XX/XXXX and was told it was due to them receiving a bill, however, my insurance company states they sent a XXXX dollar invoice notifying them of the change. I called Planet Home Lending again on XX/XX/XXXX and they are saying they submitted payment despite acknowledging that the letter was XXXX dollar balance due and they had XXXX regard for spending my money from my account without even looking at the balance due. Now I'm left holding the bag.
|
| 04/21/2017 |
Yes |
|
- Application, originator, mortgage broker
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Web |
Older American |
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On Thu r. XXXX -17 th e Direct or for Planet Home Lending argued with me about getting someone else to help me refinance my house. They request for documents that I already sent them. and wanted a new loan officer which was denied by District Manager in Florida by the name of XXXX XXXX . He was VERY RUDE to me and when I told him that I was going to turn him in and his response was that he did not care.They have my packet with a lot of personal information. I was promised a refinance. My loan number is XXXX . Would appreciate you help. My name is XXXX XXXX XXXX any question please feel to contact me either by regular mail which is at this address XXXX XXXX XXXX XXXX XXXX Ind. XXXX or e-mail, XXXX I am XXXX yrs old and a XXXX XXXX and my doctor said no STRESS! Thank you! Thu rs. X/XX/2017
|
| 11/29/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My mortgage started with XXXX in XX/XX/XXXX and was bought out in XX/XX/XXXX from Planet Home Lending. This company has declined my bill pay payment repeatedly which in turn caused late fee 's and possible foreclosure. I had to send a wire to make up for everything and this still continues to happen. The mitigation department has not helped in getting this payment paid to my mortgage and there for has caused more fee 's and possible foreclosure again. They have ruined my credit. There business practice are damaging to hard working people. They do not provide me with any proper instruction to make and payment and there bank are having major delays in returning my funds so I can have them debit my bank account to make the payment on time. I want fee 's reimbursed and the company to move my account back to XXXX, a company with respect.
|
| 07/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
On XX/XX/XXXX, we submitted a complaint re : Planet Home Lending. The complaint was closed # XXXX as Planet HL wrote a letter and notified credit reporting agencies of their error. The letter corrected the XX/XX/XXXX payment but attached an AUD report form showing delinquency for seven months! Planet DID NOT own the loan for these months.
This month we applied for a new mortgage and found that Planet HL still has not corrected the errors and indicates we were delinquent in our payments to them for seven months. Planet HL sold our loan to XXXX XXXX and all payments were within timelines to XXXX, not Planet. After numerous calls, they agreed to open a case to look at the errors. We have not had a response from them at this time.
This issue has gone on for 2 years! Its past time they get it fixed or we will take legal action.
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| 12/24/2018 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
On XX/XX/2018, I received notice of School Taxes due which I submitted immediately to Planet Home Lending. My account activity with them indicates that they paid the {$3400.00} due on XX/XX/2018. I then received notice from the Taxing Authority on XX/XX/2018 that the taxes were not paid. I called Planet Home Lending and the Taxing Authority to try and resolve. After reviewing my account activity on XX/XX/2018, I noticed that it appears the Taxing Authority was paid a second time on XX/XX/2018 for the same amount of {$3400.00}. However, the Taxing Authority states that they were never paid the first time. My escrow account should have been re-credited for the first payment made on XX/XX/2018. Planet Home Lending has refused to reimburse my escrow account for the first payment made which was not received by the Taxing Authority.
|
| 12/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My original home insurance company discontinued my home insurance without noticing me so my home insurance had been stopped for more than two months, my loan company ( Planet Home Lending ) asked me to get a new home insurance. I got new home insurance promptly in XXXX, XXXX.
But started on XXXX XXXX, XXXX, Planet Home Leading asked me to pay expensive {$410.00} just for charging me the lapse of home insurance from XXXX to XX/XX/2022. I told XXXX there is not insurance company want to do the backdate coverage for me and it is nothing to do to protect XXXX 's interest as the loan company of my property since it was in the past.
But XXXX ignored my request and increased my loan 's monthly payment from {$800.00} to {$840.00} instead.
So far, I refused to pay the new monthly payment of {$840.00} but pay {$800.00} instead.
|
| 05/31/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
Planet Home Lending ( XXXX XXXX XXXX XXXX ) is company I have a VA loan with on my old house. They offered me a great va refi rate in the fall of 2016 and I agreed to refi. They were already servicing my loan up to that point as well. I submitted everything in a timely matter and I was told not to pay XX/XX/2016. Then they closed that account to start a new account with the new rate. While this was going on, their was no communication within their own company that I was doing a refi and they reported that I did not pay XX/XX/2016 and now Im dinged with a 30 day late payment. I called them and emailed them about this multiple times with no resolution. As Im checking my credit right now, I see that blemish on my record and this is not my fault, but theirs. They incorrectly reported me as delinquent and they need to fix this.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Planet Home lending illegally and incorrectly reported a payment as late and their representatives refused to offer any solutions as required and required under the terms of The Cares Act. Not only has planet home lending repetitively displayed miss conduct and unethical behavior, they have also refused to respond to a letter I forwarded requesting assistance and couldn't provide adequate notice and/or a reason as to why I was not notified of a late payment.
Furthermore, records show that during the transition from XXXX XXXX XXXX XXXX XXXX ) to Planet Home lending, proper documentation was lost that included details of my home owners insurance with XXXX to lapse.
Under the Fair Credit Reporting Act, a person can receive a copy of a call if the individual requested the conversation is in a lawsuit against the business.
|
| 08/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Planet Home Lending needs to recover their money from XXXX XXXX XXXX as they paid another homes taxes. My escrow account is now short and theyre trying to increase my mortgage payment by {$440.00} a month, which is unacceptable. My property taxes went into default after they failed to pay the proper amount of taxes and only paid my taxes after getting a letter of non-payment from the county tax assessor. After speaking with their tax department, the company transposed the parcel numbers when they refinanced my loan and had my neighbors home as my address, even though mail went to the correct address. The company needs to recoup my money from the county of XXXX XXXX and place it back in my escrow account. I can not recover it myself because I didnt pay it and dont have proof of payment that the tax assessor required.
|
| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Received a notice dated XX/XX/XXXX stating my monthly payment was being increased due to a shortage.
According to the projected escrow balance and the allowable escrow balance (see attached), the shortage would be $XXXX a month.
It shows a shortage in the actual current escrow account equaling $XXXX a month.
Instead of adjusting the payment by $XXXX or $XXXX, the payment was increased by $XXXX a month. When I guestioned Planet Home lending about the significant increase, their response was it is for “future possible” increases.
That makes no sense. I know new property tax rates came out in XX/XX/XXXX in Colorado, so that could possibly affect the payment slightly, but $XXXX/month seem a bit high and I do not believe you can increase a payment "in case" there is a possible shortage in the future.
XXXX XXXX
|
| 12/16/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have tried to recieve assistance from my mortgage company to save my house 4 different applications for assistance have all been denied because they said i ran out of time, but i was never contacted if anything was needed. I have a foreclosure pending and have sold this house closing is set for XX/XX/2020 I let me servicer know that i needed a payoff and they have sent over XXXX over what is due on the house adding all kinds of fees and such that i can't sell me house now because I can not afford to pay out of pocket. I have even asked them to modify the amount so i can sell and they sent me a letter increasing the amount making the sale impossible and now I will have to let the house foreclose. And I have to pull the house from the sale because I can not afford to pay out of pocket to close, nor relocate.
|
| 03/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Due to Hurricane Irma, Planet Home Lending, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation.
I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed.
As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points.
I call and call, they say they will fix it with no results.
My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments.
Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
|
| 12/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I purchased my home XX/XX/XXXX from XXXX XXXX XXXX, and its been conveyed over to various companies. The current company XXXX XXXX is using a fraudulent assignment to claim standing to be able to foreclosure on my property.
Planet home refused the restructure my loan to a fair market value. I completed dispute the amount XXXX XXXX XXXX is stating I owe.I revoke the POWER OF ATTORNEY XXXX XXXX is using to foreclosure on my property in XXXX Co Real Estate Division of Superior Court XX/XX/XXXX BOOK XXXX Page 64. I do not give XXXX XXXX Power of Atty to foreclose on my house. I gave XXXX XXXX XXXX rights in XX/XX/XXXX and the are no longer doing business in Georgia. I did n't authorize the transfer of the Power of Atty. I Dispute the debt Planet Home is claiming I owe to them I have no contract with XXXX XXXX
|
| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX, husband placed multiple calls requesting payoff amount. Transferred. Multiple times with no answer. Calls lasted anywhere between 30 minutes to 3 hours. Would not let us payoff loan over phone. Stated we would have to fax them a request and could only payoff loan by certified check. Refused to give us a payoff amount over the phone or email.
On XX/XX/XXXX, payment was made in the amount of {$8800.00}. They would only accept payment as long as we didnt use the term payoff, that we just wanted to make a payment.
On XX/XX/XXXX, I sent an email and a fax requesting the payoff amount on our loan. Planet Home Lending has not responded as of XX/XX/XXXX.
As of XX/XX/XXXX, a payment shows made XX/XX/XXXX {$8800.00}. However, our balance has not changed and they will no longer take our calls.
|
| 08/18/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX of this year I applied for the XXXX program because I needed assistance post Covid with paying my mortgage I have went back-and-forth with the mortgage company the state of Michigan is telling me that the mortgage company has not submitted the required documents they have not been able to get in touch with the lender to send the proper documents so The payments that are behind can be taken care of through them I have program I have spoken to the state of Michigan and to Planet Home Lending Planet Home Lending is saying that they have submitted the paperwork but theyre still calling me harassing me about the past due payments I am scheduled to start paying my mortgage again in XXXX which is no problem but I need Them to release the paperwork to the state of Michigan so the past due will be paid
|
| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted an application for Maryland 's HAF program. Pursuant to Md Law if a borrower has a pending application for HAF the servicer can not move forward with the filing of the Final Loss Mitigation Affidavit which starts the path for mediation and ultimately the foreclosure action in court. I notified the servicer, Planet Home Lending in XX/XX/XXXX, that I had a pending application via email. I then issued a written Notice of Error letter stating that I had an application pending. That letter was dated XX/XX/XXXX, and confirmed received by Planet Home Lending on XX/XX/XXXX. Despite this fact, Planet Home Lending filed a Final Loss Mitigation Affidavit on XX/XX/XXXX, which has started the foreclosure process to move forward. All in violation of Maryland law and the CFPB guidance for servicers.
|
| 06/25/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My mortgage company is Planet Home Lending. In XX/XX/2021 they recalculated my mortgage payment due to my receipt of XXXX XXXX VA XXXX and waiver of my requirement to pay property taxes. My payments were now principal, interest, & homeowners insurance. The correct amount I have consistently paid on time since XX/XX/2021. Planet calculated incorrectly and, despite paying the correct amount on time, Planet continually has reported my payments late. I tried contacting them over the past months and I am left on hold for an hour or more. When finally reaching someone in XX/XX/2021, Planet initiated another recalculation confirming my argument. Even still, Planet has continued to report me delinquent on my credit report regardless of the fact I have and continue to make my required payments on time.
|
| 10/24/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I reached out to my Mortgage Servicer Planet Home Lending asking for information as I may shortly have a difficult time making my mortgage payments due to the death of my son 's father who was the homeowner making the payments for the past 22 years. I inherited the property and the mortgage in XXXX 2016. I asked Planet Home to send me out a package with options I might have. XXXX of them was a Deed in Lieu. When I called them to discuss this I spoke to a XXXX who told me " we really do not do them. In fact I do not think I have ever seen us do XXXX of them ''. So is Planet Home Lending providing the Consumer with false information regarding options to Foreclosure? I sounds that way to me. I they do not do a DIL, then why does their paperwork sent to the customers state that they do. Thank you.
|
| 01/17/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
XXXX XXXX, XXXX CFPB Can you help me get these " Qualified Written Requests '' answered?
Please consider this information petition a " Qualified Written Request ''.
1. In the 3 month trial loan modification dated XXXX XXXX XXXX, page XXXX, it states " we ( Planted Home Lending ) will hold the trial period payments in an account until sufficient funds are in the account to pay your oldest delinquent monthly payment ''. Could you please send me a breakdown of how these amounts were distributed? Also how were the next three months payments applied?
2. Please send me a complete escrow statement for XXXX.
3. There have been several changes in the last couple of years as in ; sold, transferred and contracted. We need to correctly up date our records. Who is the current Note Holder on our loan?
|
| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Incorrect loan transfer amount : My loan was transferred on XX/XX/20 from Planet Home Lending to XXXX XXXX XXXX. They transferred {>= $1,000,000} but the transfer was {$230.00} short ( image attached ). Planet Home Lending show an additional disbursement was transferred to XXXX XXXX XXXX for {$230.00} on XX/XX/20, but XXXX XXXX XXXX has never received it. I have sent numerous emails to Planet Home Lending since XX/XX/20 ( attached ) as well as called numerous times too. The emails are being ignored and the person on the phone always tell me it will be taken care of but nothing happens.
I am very disappointed that my money has disappeared and Planet Home Lending does nothing about it.
Please can someone help return my money as Planet Home Lending seems not to care.
Thank you, XXXX
|
| 10/26/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
I was recently laid off of my full time employment on XX/XX/2023. I applied for mortgage assistance through my mortgage company Planet Home Lending. I applied to the mortgage assistance online and it took the company 2 months to tell me application was complete after many back and forth long delays in communications and my multiple attempts to get answers. After starting the application in first week of XXXX I was finally told that my application was complete in mid XXXX. I filled out the application to obtain a forbearance do to unemployment while I was looking for full time employment. I was told that I need to be unemployed and missed 6 months of payments in order to qualify for forbearance while unemployed. I was not provided a VA technician to give me options on my mortgage.
|
| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I bought a home in XX/XX/2020 and the loan was originally through XXXXXXXX XXXX XXXX. They sold it to planet home lending and planet home lending never sent us a notice of how to handle our mortgage payments ongoing forward or how to set up our account.
XXXX sent us a letter to our home via the postal service however we never received any other mail or letter to inform us of this happening from the other company or XXXX. We were on vacation so we didnt even get the letter until the day of the transfer of the service.
This is completely unacceptable, we should be given notice in a variety of forms of communication before our loan is sold to another company. The new lender should give us notice of how to set uo our new mortgage account WELL IN ADVANCE OF THE TRANSFER DATE.
|
| 11/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have tried to work with Planet XXXX XXXX. I have a XXXX child that requires constant care. I went for help and they filed a Chapter XXXX bankruptcy for me to help me but I want to keep my home. I just started a full time job and had to wait for proof of income. to give to Planet XXXX XXXX. I received a statement stating what my new payments were. I made the payments they sent them back to me.
I am trying to correct what is wrong. Make a XXXX just installed a XXXX to help with my daughters therapeutic and mobility so that at some point she might be able to move some parts of her body.
I am looking everywhere for help. Please help me!
I am working and my new boss is doing all that he can to help me.
please save my home from foreclosure scheduled for XXXX XXXX, XXXX.
|
| 04/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I manage an XXXX called XXXX at XXXX XXXX. On XXXX/XXXX/2013 the bank, Mortgage Investors Corporation filed an order to foreclose on a property located at XXXX XXXX XXXX in XXXX, NC. They assigned a trustee, XXXX XXXX XXXX, XXXX to handle the foreclosure. Since then the bank has not moved forward with the foreclosure. The homeowners are not paying the XXXX dues and this is causing the XXXX to lose money that is to be used to pay for the maintaining of the units in the community, as well as the property not being taken care of by a homeowner that lives there. This puts the XXXX in a bad financial position and other owners are concerned with their unit values as they are living in a community with a home that is vacant that no one has done anything with in over 2 years.
|
| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet Home Lending XXXX XXXX XXXX, XXXX XXXX XXXX, CT. XXXX has refused to remove my Private Mortgage Insurance which I requested in XXXX of XXXX. As per my loan agreement ( see attached ) which Planet Purchased from XXXX XXXX XXXX it is my right to have it removed when the date the principal balance reaches 80 % of the original value of the property which was in XX/XX/XXXX I submitted a request to Planet 3 times as of today, I have good payment history I am current on payments required. Although all requirements in my loan agreement have been met Planet is trying to come up with additional requirements and fees see attached letter from Planet dated XX/XX/XXXX although not received in mail until XX/XX/XXXX. There is a series of emails I can forward if necessary.
|
| 03/05/2021 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
Good morning, RE : Planet Home Lending We have been trying to get a payoff for a customer, on a VA refinance, since XX/XX/XXXX. Since then we have sent over many requests and spent hours on hold and on the phone with representatives. The customer has called as well and still no payoff. I have spoken to XXXX, XXXX and XXXX and they all say they can not get a supervisor on the phone. My customer is going to have to extend the lock. They now say that we need to send over a CD in order to get a payoff. I have been in the business for over 25 years and never complained about anyone but this is blatant denial to send over a payoff. I don't know what else I can do. I would be grateful if you good give them a call. So frustrating.
We still have no payoff.
Thank you,
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Mortgage which Im a cosignor on was reported late XX/XX/XXXX and went into forbearance XX/XX/XXXX til XX/XX/XXXX. It is now current and in good standing. We were never informed that the XXXX late payment would be repeated over and over during the forbearance period, instead of being reported as 1 30 day late on our credit reports, it is being reported as 14 consecutive 30 day late payments. We asked for the recorded phone conversation with their agent to prove that we were misled/lied to, but they have failed to produce it. This has devastated our credit. Although we are now current, on Auto pay, and being hit by a once in a 100yr pandemic they will not work with us to change this. We feel it should show 1 late and NR during the forbearance period. Thank You
|
| 09/21/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had my home with XXXX MORTGAGE, I asked for a loan modification and was denied several times. Then they sold my loan to Green Planet. I asked for a loan modification, and they denied me for no legal reason. When I inquired about it they sold it to Planet lending. I asked for a loan modification from Planet Lending and they denied me a modification as well. My home is a M E R S account. THE FORECLOSURE PAPERS THEY TRIED TO FILE SAYS MERS AGAINST ME. M E R S HAVE NO LEGAL GROUND TO FORECLOSE BECAUSE THEY ARE NOT THE OWNER. Now Planet Lending filed a foreclosure. I am fed up with the wrong that was done to my family and myself. I am asking for help for the injustice. I asked for the recording of the sale and original contract and no one could send me anything
|
| 08/26/2015 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I started my mortgage modification with my previous mortgage company in XXXX XXXX ; my loan was sold and my new mortgage company took over in XXXX XXXX. I have made over XXXX phone calls since XXXX XXXX requesting a modification, numerous faxes, over XXXX documents submitted. In XXXX XXXX, I was informed that because my previous modification took place in XXXX, I would have to wait until XXXX XXXX in order to be qualified. We are approaching XXXX XXXX, and I am still waiting for my modification to be approved. This process has been frustrating ; I have been lied to on several occasions. I am disgusted. This processs has created an environment of ongoing stress and instability in my home. I need help. This is the second complaint filed with this office.
|
| 09/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
I XXXX XXXX HAVE NEVER MISS A PAYMENT OR WAS EVER LATE FPR 20 YEARS AND NOW THAT MY BALLANCE IS UNDER XXXX DOLLARS THEY HAVE ADDED ESCROW FEES TO MY ACCOUNT. WE HAVE TRYED AND TRYED TO TO CONTACT THEN AND RESOVOLVE THIS ISSUE WITH THEM TO JUST GET THE RUN -A-ROUND PLANET HOME LENDING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PAYMENT WENT FROM XXXX TO XXXX IVE ASK THEM FOR A PAYOFF AND THEY REFUSED THEY SAID GO TO ARE WEBSITE I TOLD THEM ALL ARE TAXES WERE PAID WE HAVE PROOF AND ARE INSURANCE HAS BEEN PAID AND SEND THEM PROOF INSURANCE THE FIRST TIME THEY CHARGED US OVER XXXX AND WE HAD TO FIGHT THEM FOR 2 MONTHS TO GET ARE MONEY BACK AND NOW THERE DOING IT AGAIN THAT COMPANY OFFER NO HELP OR WILLING TO RESOVE MY PROBLEM
|
| 01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am filing this complaint against Planet Home Lending. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but Planet Home Lending informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) Planet Home lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.
|
| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX I purchased a house and my first mortgage payment was to XXXX XXXX XXXX on XX/XX/2020. I get a letter that Planet Home Lending is taking the mortgage over. I pay XX/XX/XXXX payment and start auto payments to come out on the XXXX of the month so the payment Is posted by the XXXX. I sent XX/XX/XXXX mortgage it was posted on XX/XX/2020. I paid automatically until I got a letter that I was being switched to XXXX XXXX. Never missed a payment. XXXX sends a letter that I owe a back payment from XX/XX/2020. The payment never posted to my planet account and to this day its never been fixed. I have called, emailed, nothing.
Planet did say they would do a missing payment but Ive never heard from them again!!!! Im so upset!
|
| 08/17/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Starting on XX/XX/XXXX I started making Principal only Payments to date {$33000.00} in Principal Only payments, every single payment I write them and need to tell them that the payments have been set-up to be Principal only as I have been making extra payments for a while and they had me paid through XX/XX/XXXX as of XX/XX/XXXX. Yet every time they treat it like a regular payment they now have me paid through XX/XX/XXXX, even when I changed from making {$500.00} principal only to {$1000.00} principal only which they treat like 2 regular payments. I have written numerous times on this and don't feel I should have to on every one, I make payments through my bank and have the account # labeled with the number and Principal Only
|
| 11/28/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023, I send Planet Home lending a Debt Validation letter giving them 30 days to respond. They did not respond and on XX/XX/2023, which is almost 2 months more than plenty time to respond, i send them a notice of fault and opportunity to cure letter. They also didn't respond to such letter instead they assigned/transferred/sold the servicing rights to XXXX XXXX XXXX which now I having to deal with sending a billing debt validation letter too since they send notice saying that during the time Planet Home Lending didn't respond to the letter late fees have been accrued. In addition in the letters it stated the address where to send respondent mail, instead they send notice of transferred to an old address.
|
| 02/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Wednesday, XX/XX/2022 Re : loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX : Your research did not yield correct data. You will find in my response to your latest fabrication of the truth that your data shows you and PHL, LLC are misrepresenting the truth once again.
You and Planet Home Lending , LLC continue to lie and misrepresent and consequently are willingly destroying the credit of the three mortgagees that are on the aforementioned loan held by Planet Home Lending , LLC.
Correct your data ; send a letter of acknowledgement to me, XXXX and XXXX XXXX ; send a letter to CFPB acknowledging your lying, false reporting and knowingly harming your clients.
Sincerely, XXXX XXXX
|
| 01/01/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020 PHL {$1100.00} from my escrow account as a " Short Payment '' when I noticed this and called on XX/XX/2020 their representative ( XXXX ) told me that is was because I was late in XX/XX/2020. By PHL own admission on the attached documents I have never been late with any payments. This is the snowball effect of their record keeping not being corrected when requested. To their credit they did however send me {$4000.00} from my escrow when the house was sold. However if I was never late how can you take {$1100.00} out of my escrow call it a " Short Payment " and not be able to justify why you have taken money out of my escrow account. No one to this date can tell me what this " short payment '' is.
|
| 03/04/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage company ( planet home lending ) has contacted me numerous time telling me that I owe an extra mortgage payment to them. I have submitted to them all of my bank statements proving that I have paid all of my mortgage payments on time.
After months of them contacting me telling me I'm late and investigating where my payment was, they told me that they took the money I paid them and " accidentally '' applied it to the principal balance without my permission. But they are still telling me that I am responsible for their error and I must pay them or my house will be put in foreclosure.
I am a XXXX vet, I dont know what to do. Please help. This is stressing me and is torchering my mental health.
|
| 07/09/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
We were behind in our mortgage payments. We submitted an application to " Keep Your Home California '' and we were approved. Our servicer submitted documents stating the amounts we were behind to XXXX they in turn wrote checks to cover the delinquencies, and bring our account current. My issue is with the servicer over charging XXXX. This also causes the lien on my house to be the wrong amount. I did a complete analysis of all of our late payments from the time this servicer took over our account, the difference is over {$10000.00}. There are also several other errors in our account that need to be corrected. I will be submitting XXXX letters all with documentation attached showing the servicers errors.
|
| 04/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am still having problems attempting to get a pay off quote from Planet Home Lending, PLH ). This began last month, XX/XX/2017, and again, I requested a pay off quote on XX/XX/2017.
I called XXXX XXXX, a loan servicing supervisor with PLH last Thursaday, XX/XX/2017 and Friday, XX/XX/2017 and left voicemail messages for her requesting the pay off quote. My new loan officer also requested a pay off quote last Thursday ; neither of us have received a pay off quote. In addition, I also requested a copy of the pay off quote XXXX XXXX claims that was sent last month. Again, I have not received anything.
PLH continues to delay my opportunity to refinance my mortgage, again costing me money.
Thank you.
|
| 12/01/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
Planet home lending charged me approximately {$11000.00} in property tax as a part of an escrow analysis. Per the XXXX office of property assessment my actual tax rate for my house assessed at {$410000.00} is roughly {$5700.00}. Per my request they recognized this error. However, they refused to correct my escrow account to reflect this inaccuracy, and continue to charge me for a tax bill that doesn't exist. Per my XXXX mortgage payment nearly {$2200.00} of my payment went towards a fraudulent tax payment. I feel this constitutes both wirefraud and extortion as they did knowingly overcharge my escrow and have the authority to assess fines and penalties if i do not make timely payments on my mortgage.
|
| 12/01/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
They did not perform an escrow analysis in the second year of the loan ( we are going into the XXXX year ). We were then hit by hurricane XXXX and they then notified me of the dramatic increase in escrow and told me it all had to be paid back in an unreasonable amount of time. I have since had the death of my sister, my father, and my mother and they are denying me service completely. They will not speak to me and are now sitting on insurance money and have stated that they will sit on the insurance money indefinitely if they do not receive receipts. I have told them, receipts do not exist.
Planet home lending has been rude, condescending, entirely unhelpful in my family 's time of great need.
|
| 05/17/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom it may concern, I begging to help me with this issue as i am afraid to loose my house. I've submitted numerous applications to Planet Home Lending. This line of credit was taken out without my consent i was not aware of them. They actually did not appeared until recently and now they are trying to foreclosed. This is a second loan line of credit I owe XXXX on my first loan and just recently solved me past due with them as well. Planet Home Lending has never tried to assist me in anyway. I feel discriminated by them many times I told them that i was not aware of this loan they refuse to show me proof and even thou I am trying to solve this matter now they are trying to take my only home.
|
| 09/19/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My home was in foreclosure process XX/XX/2022. I applied for XXXX Assistance XXXX ( XXXX ) and was in loss mitigation stage ; the XXXX was it was accepted XX/XX/2022. At this time, I was told the foreclosure process would cease due to being in the loss mitigation stage. The home went to sale XX/XX/2022, and I was unable to fully exercise my right to loss mitigation. I contacted the servicer, Planet Home Lending, and told the home had went to sell. I spoke with the XXXX of foreclosure prevention department and she explained there was nothing they could do on their end to reverse the sale because it already went through and that I needed to contact the courts to exercise my redemption rights.
|
| 06/26/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to get help with a modification since XX/XX/XXXX I was a month behind and after i started asking for a modification help it got 3 months behind so they will not take payments Now I am 8 months behind and can not afford to catch up so they put a Sale date on my home of XX/XX/XXXX and say it is a FHA loan and will not be able to help me till XX/XX/XXXX and that will be to late the reason I got in trouble i was off sick for almost 2 months but I have showed them ever since I do make the money and need to keep my family home of 20 years they told me to sell it and that will not work the house is not even worth 1/2 what is owed on the house PLEASE HELP ME KEEP MY HOME ... XXXX
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I submitted extra funds to pay down my principal. In their wisdom/stupidity, Planet Home Lending applied the extra funds as an extra payment THEN to principal. It took 19 days, numerous phone calls, being disconnected and finally talking to a supervisor to get this resolved.
I will now write a check each month and give them specific directions as to how to handle the overage.
In the 35 years I have paid on mortgages, NEVER has a mortgage company handled extra funds this way, they have ALWAYS gone to principal.
My time is worth something. I will never see remuneration from them for their error and my time wasted. I pray they sell my loan to a company that has processors with a XXXX.
|
| 06/23/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
So I did a modification with the new loan amount and payment due XX/XX/XXXX. I made the payment on XX/XX/XXXX on time but my credit report reflects that the payment was late more then 39 days or not made I called them they flagged it said give them 2 weeks to correct and I did I called back they said that what was reported was correct will not say anything about my payment wether received or not the past due amounts closed with the new loan papers from before XXXX my XXXX payment was on time it should be reflected as XXXX being so. They are never copertive they always tell me something that they don't do u have other obligations that this effected along with XXXX point dump on my score
|
| 07/29/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I lost my job in XX/XX/2020 which wasthefirstbtime I contacted my lender, planet home lending. I was advised I would at that point be put into forebearance, which I submitted what documentation I had, my letter of termination. My account was not put into forebearance, when I reached out in XXXX regarding COVID. I have tried to reach them at least once a week since then, Via email as well as phone, with NO response. I have recently had to move my elderly XXXX mother in who needs 24 hour care as well as trying to get my business up and running and sitting on hold for over 3 hours is not feasible anymore and need to find out where I stand and what my options are so I dont lose my home
|
| 08/21/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom it may concern, I've been trying to negotiate with Planet home lending my loan for a while now. I've submitted my mortgage assistance application and still have not received a fair answer to my request but instead i was given the run around and sometimes just an answer to shut me up so they can look good. As I stated i submitted my request for mortgage assistance and they did not even look at my finances at all instead they gave me an offer that i can even afford based on my finances. All that I'm asking for is a fair review and a fair payment based on my finances on not something that they are forcing me to take. Please review my situation and allow me to keep my home.
|
| 12/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Behind on Loan 3 months. My Father has a hardship of health problems. He had XXXX XXXX XXXX this past XX/XX/2019. Was in the Hospital for 1 month he could no longer work. My Parents receive XXXX dlls in SS income my Brother that is a XXXX. in XXXX Idaho helps with XXXX dlls per month. The Loan is with Planet Home lending. Called Bank asked them to help with the late payments of the loan to make them current. They have denied help and wont take to consideration my Brothers XXXX dlls help each month. The reason he dose not live at the property. He dose visit them every weekend. Please help this is the first time my perants are asking for help. They do not want to loos there home.
|
| 04/16/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Escrow Mismanagement. As Planet Home Lending customer ( Loan # XXXX ), I have been paying all monthly payments on time but so far Planet Home Lending has not been transparent of all the taxes and other residential fees payment from Escrow. Recently there is a 10 % penalty applied from School District Real Estate tax due to payment has not yet been made. All bills copies have been scanned & emailed soon as I received it in the mail but the payment was not made on time. It is frustrated that the law doesn't allow homeowner ( borrower ) to take care of their own tax bills but then the lender provide poor services like this. Now the property will soon be in lien status.
|
| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
Applied for Loan Modification on XX/XX/XXXX. Sent additional documents on XX/XX/XXXX. Called XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to follow up. Was told that file was marked complete on XX/XX/XXXX.
My hardship finances started before XXXX. Received forebearance during XXXX but had difficulty since i XXXX XXXX, my employer, reduced manpower 30 % for XXXX. Also I had to place my mom, co-owner of the mortgage, in assisted living XXXX, XXXX due to her health and falls. She had XXXX XXXX XXXX since XXXX. I am able to take care of my mom and not have her in assisted living which will allow more income to pay for the mortgage.
I have a foreclosure date of XX/XX/XXXX.
|
| 11/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have submitted a full short sale package along with an offer to purchase from a cash buyer. The investor would not order an appraisal would not counter our buyer or tell our buyer the amount they would want to XXXX to approve the offer. Our buyer is able and willing to counter to the amount the Lender would require. Our seller has no income, true hardship medical issues and has asked that the lender postpone the sale to approve the short sale. We even submitted a higher offer that we saw pending a drive by appraisal back in XXXX of 2019 to ask if that would help to approve and the lender would not entertain any offers even after all docs have been collected.
|
| 01/18/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I called and requested a 30 day payoff, I was told the steps I needed to take to get the information sent to me. I sent the fist letter on XX/XX/21, after not hearing from them, I reached out to them again and this time was told that I needed to sign the request and resend it. I did that and still no response. I have tried calling and getting no answerer, so I decided to fax then the same letter again to phone number that they provide on their statement XXXX, this number never picks up so the fax is no good either. My home is almost paid off, I just want to pay it off, any help that you can give me would be greatly appreciated.
Thank you, XXXX XXXX XXXX XXXX
|
| 11/07/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
I am a XXXX XXXX Citizen and XXXX who the victim of a mortgage scam by XXXX XXXX XXXX. This company scammed XXXX XXXX veterans including me. I never signed for a Mortgage, Loan and never attended a Closing but I am facing foreclosure by Planet Home Lending a debt collector. The Government is suing XXXX XXXX XXXX and several banks for fraud in XXXX US District Court. I am one of those victims. I have been to Court for Foreclosure fighting these debt collectors to no avail. I have testified I never signed a Mortgage and never did a closing. These Courts just proceed. I need help to stop these debt collectors from losing my home. I am XXXX, XXXX and a veteran.
|
| 09/27/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
i have been trying to contact company on my lunch break to talk to some one and im put on hold or just rings and or cuts off and hangs up. my lunch break is only 30mins and after that i cant be on the phone for personal calls after. so no success in reaching them. ive reach out to a realtor on XXXX to give her authorization to speak to the bank on behalf and they have yet to respond to the authorization form. she has contracted them daily, multiple times a day and also has been put on hold or disconnected on. time is of the essence cause i have a auction date of XXXX im behind due to lost of job during covid and present job i took a substantial paycut.
|
| 03/01/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have tried contacting Planet Home Lending Customer service department but receive a generic answer every time and feel they are not trying to listen to the situation. We received the attached letter from Planet Home Lending customer service. We had a temporary loss of income due to Covid 19 in XX/XX/2020 through XX/XX/2020, and we had a hit on our credit report for three late payments in 2020. We were in the process of a refinance and, therefore, would not qualify for the deferral ( however, we were denied for the refinancing due to the late payments. We ask if the late payment can be removed as goodwill because it was due to Covid 19 loss of income.
|
| 11/08/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
They ignore all request ,They ignore Federal Judge XXXX XXXX ,They ignore their attorney XXXX XXXX XXXX XXXX XXXX XXXX They ignore my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested an Amortization schedule or a payment schedule so that I might know how much has gone to interest and how much has gone to the principle And what is my remaining balance Planet home lending has never in 8 years even given any form of payment Making it totally impossible to refinance Their attorney XXXX XXXX has approached Planet home lending LLC requesting the amortization schedule ,And has further noted they do not know how to make up that statement
|
| 02/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My husband and I successfully sold our home and the mortgage was fully funded to Planet Home Lending on XX/XX/2022. We paid our mortgage every 2 weeks with an additional $ 500/month on the principal for several years. We were never late. When the house sold, the the proceeds were transferred into our account. Since that time, Planet Home XXXX has continued to debit our account {$940.00} on XX/XX/2022. I called them to have them stop as well as to return the monies that are owed as well as escrow funds. They ensured that we would not be charged again, yet we received another bill today for {$1800.00} for XXXX mortgage for a home that we no longer own.
|
| 09/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I recently submitted a complaint ( REF # XXXX ) requesting Planet Home Lending to modify the date on my foreclosure to reflect the CORRECT DATE OF XXXX XXXX, XXXX. Instead of changing the INCORRECT DATE of XXXX XXXX, they changed it to another INCORRECT DATE of XXXX XXXX. Due to this, my wife and I are unable to get pre-approved for a home loan and we are supposed to close on XXXX XXXX, XXXX. While we appreciate some sort of action was taken to remedy the aforementioned complaint reference number, it was not the correct action. We submitted the substitute trustee deed showing that the CORRECT DATE IS XXXX XXXX, XXXX. PLEASE REFERENCE THIS ATTACHMENT.
|
| 09/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Green Planet never changed the status of my foreclosure on my home to reflect it was closed until my employer informed me in XXXX XXXX that my job was in jeopardy due to this discrepancy. I contacted Green Planet in XXXX XXXX after my home was officially no longer mine as of XXXX XXXX to dispute that I still owed a debt for this home. I disputed the status of the foreclosure, which finally lead them to close it in XXXX XXXX. I am currently trying to purchase a home and have been denied by the underwriter due to the incorrect closing date of the foreclosure. It currently reflects XXXX XXXX, however it needs to reflect the correct date of XXXX XXXX.
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My father ( Home Owner ), passed on XX/XX/XXXX, I have been trying to assume the loan and work with mortgage company and it is impossible to do so. I have Emailed, Faxed, Mailed probate documents showing me as the Succesor of Interest and they refuse to accept documents or update their system so I can be authorized to resume making payments and assume the loan. Everytime I call, it ends up on them hunging up or transferred from department to department and on hold for up to 38 minutes. Planet Home Lending has all documents requested and still no resolution since XX/XX/XXXX. This is unacceptable, consumer abuse and discrimination at this point.
|
| 04/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018.
However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment.
I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.
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| 11/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PHL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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| 12/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Mr. XXXX XXXX NMLS : XXXX ) contacted me via phone and after I declined his services ( I already have the quotes I need ) he proceeded to tell me about his mortgage company and asserted that no one could beat their offers. I humored him and told him he could send over an information request packet so I could look at their rates - when the email came in, he accused me of " playing house money '' ( whatever that means in the context of a loan origination ) to which I responded and asked him to discontinue contact with me since he was very rude. Today, he sent me another email, contrary to my specific and formal request to stop contact.
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| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been affected by Covid19 and I became delinquent on my mortgage. I have requested mortgage assistance several time to bring my mortgage current. The mortgage company is unwilling to work with me and my 2nd mortgage they have discussed a large downpayment of which I don't have. Received letter in XXXX stating the mortgage had ballooned and they wanted the balance owed of {$40000.00}. I have a 1st mortgage with another mortgage company on my home I am a XXXX, I've lost several family member to Covid-19 and I don't want to lose my house. I have not received a letter offering me terms for mortgage assistance from my 2nd mortgage
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| 09/01/2020 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
|
We made a normal, typical payment to our mortgage on XX/XX/2020. The electronic transaction cleared our bank, but the mortgage company, Planet Home Lending, did not process it or credit our account. They simply kept the money.
They have refused to refund our money. I have sent numerous emails and have called several times. All conversations are run-a-round or blatant lies by the customer service personal.
We have never missed a payment. We are not in arrears. In fact, the loan has been paid off in full. The payment on XX/XX/XXXX wasn't processed or counted for in the loan. We've demanded a refund several times to no avail.
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| 07/30/2019 |
Yes |
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- Trouble during payment process
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Web |
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i dont have a account yet will set one up but i have a home that a quite title is filed on and my father passed leaving me the home and clear of any payments due he has passed away and the lending insurance claims that they are a bank and that they lent him money that he owed a debt of equity when its on irs and tax acessor file that he only owes tax on the home so i will be setting a tort claim to all cloud or claimers to home for tresspassing on private land i ask for themas a bank who dose not lend money but credit so where is the monehy coming from if he did not produce it but the promise to pay has paid everyone twice
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| 01/06/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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i have had this loan about 2 years i was under the impression that the escrow would start at the beginning of the loan just before the due date on my home insurance was due i was informed by XXXX XXXX XXXX that insurance had not been paid this was almost XXXX XXXX years ago i paid the insurance from XX/XX/XXXX to XX/XX/XXXX my insurance was re evaluated and increased by about {$400.00} per year i received a bill XXXX for back pay and increase at the same time they have made XXXX payment in XX/XX/XXXX now they want 12 months back pay pluss an increase my phone # is XXXX e-mail is XXXX XXXX can scan and E-mail you the letter
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| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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XXXX XXXX XXXX sold my loan to Planet Home Loan. I set everything up online to pay by XX/XX/2021 for my payment date. The withdrawal was supposed to take place XXXX. It has not initiated from my account and it's now the afternoon of the XXXX. I have called at least 5 times to Planet Home Loans. The phone line system is TERRIBLE. I can't get through to anyone, can't get a call back, and just get hung up on after waiting on hold over 10 minutes repeatedly. I can see that my payment is 'pending ', but nothing has happened yet. I do NOT want to risk a late payment, but I can't reach anyone. This is terrible customer service.
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| 06/15/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have received XXXX calls from the following telephone numberXXXX. When i answer they hang up. Then when I call the number back to find out who it is, each time I get an automated message telling me the name of the dept collecting company and that the call is in reference to a dept and in order to find out more details about this dept I have to enter my telephone number which I am hesitant to do.
The thing is I do not owe any debts whatsoever with this company or any other company and I do not know why these people are harassing me. or how they got my number. This is nothing more than a scam phishing information.
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| 03/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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Planet Home Mortgage is refusing to defer mortgage payment for clients due to economic injury the nation is experiencing as a result of COVID19. They are only offering forbearance which will make a lump sum of 3 mortgage payments due in 3 months.
This is against the Government stimulus package and does nothing to help us. We are asking for a deferral of our payments as other honest lenders are doing, such as XXXX.
So far, XXXX XXXX XXXX are deferring payments for 120 days.
Planet is simply accumulating the payments for 3 months then forcing a refinancing when we havent been able to save up 3 months of payments.
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| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have my mortgage through Planet home lending. This company has not paid the taxes on my property. This has been going in for months. I was notified of the problem in XXXX. Since then I have sent documents, filed complaints and email them regularly. Here it is in XXXX & they problem has not been solved. I have spoke to the taxing agency who reported that Planet has yet to reach out to them. I am constantly given the run around & supervisors don't take my call & don't call me back. I am now being sent to collections because Planet will not pay the taxes to the school district or township that is owed & past due.
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| 05/07/2021 |
Yes |
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Web |
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Planet Home Lending, LLC., ( hereafter " The Company '' ) mislead me to believe I could qualify for an FHA loan for the amount of {$640000.00} USD and had me remove contingencies putting a deposit of {$8000.00} USD at risk. This company never ran my spouses credit and said I wouldn't need to, then strung me along for weeks convincing me that this loan would go trough, even though I have since found out this goes against FHA guidelines in my state of residence/purchase. Also, their handling of this situation was very poor, their final response to an email sent to them was simply " ok '', VERY unprofessional.
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| 10/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
|
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Planet Home Lending purchased my loan and send me a letter saying we do not have insurance but we do. I try to call the number they listed to give them the information and the number never works XXXX, I call their main customer service number and they can not get a hold of their insurance department either. They say they will call back but never do. I am entitled to equal servicing of my loan and I am not getting that service. They now sent a letter with force place fire on my home at a very high rate. Please help, no one at PlanetHome Lending can get me in touch with their insurance department and now I ha
|
| 09/12/2018 |
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
- Their investigation did not fix an error on your report
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|
Web |
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As Per my last CFPB Complaint id no. : XXXX My mortgage co Planet home lending Mortgage loan no. XXXX for XXXX XXXX, agreed to correct the 120 days late reporting for XX/XX/2018 payment on my credit report, which was done for few days and was again reinserted 120 days late for XX/XX/2018 payment on my XXXX credit report, i waited for 30 days for this error to be corrected but it did not happen causing some of my credit cards to be closed because of this error.
i would like Planet home lending to correct the error with XXXX and have XXXX send me the updated copy of credit report with correction.
|
| 08/22/2023 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
Older American |
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I called Planet Home and explained to them that the Loan sold to them was discharged in bankruptcy in XXXX, but they continue to send statements for payments and they bought the loan in XXXX, long after it was discharged in bankruptcy.
When I tried to refinance my home they decline because Planet Home stated we never made any payment. The statement Planet Home sent to me was for XXXX. Now they are telling the mortgage company the balance is XXXX.and because of no payments the company refuses to ok the loan. The Loan was discharged by the court in XXXX for XXXXwho sold the loan to Planet Home.
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| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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|
|
Web |
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I closed on my mortgage on XX/XX/XXXX. Shortly after closing I was notified by the Lender that I was required HO6 insurance. This information was not made available at any point before or during the closing process. As a matter of fact, I closed without having HO6 insurance. I never had it since I bought the property in XXXX.
I find unethical, and perhaps illegal that Planet Home Lending is asking for that insurance now. I would definitely would not have close on this property had I known of this issue.
My loan broker was : XXXX XXXX XXXX XXXX NMLS ID # XXXX P : XXXX F : XXXX XXXX XXXX
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| 09/05/2023 |
Yes |
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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|
Web |
Servicemember |
|
Planet lending has been extremely poor in getting information regarding the steps and status of closing on a loan. The assumable loan department is impossible to reach along with the operations team. I started this process on XX/XX/XXXX XXXX. When I contact the customer service they put in a ticket to have the assumable department call back and they never do. This is UNACCEPTABLE when trying to sell a house and transfers g the loan to someone else it should be an extremely simple process since paperwork is all that is needed, however this bank has been extremely poor in communication.
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| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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The company, Planet Home lending contacted me to let me know they did not receive a payment for the month of XXXX. After contacting my bank, XXXX, it was determined that the check was sent to an older address that the company had. In essence I continued to send my check to the same PO., however the company had moved and I was not notified. I am being charged a late fee of {$31.00}. In discussion with the rep. I would have to find the money to pay today or a note would be made to my credit score. I did have to call my bank, stop the check, pay the statement again. This is predatory!
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| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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My mortgage loan is currently serviced by Planet Home Lending ( PHL ). I have submitted numerous qualified written requests for specific accounting information. PHL has distorted the accounting and escrow accounts in order to force me into foreclosure. PHL has ignored my QWR requests. I have also submitted numerous requests for a loan modification. PHL has ignored the loan modification requests. PHL has not assigned the loan modification to direct single point of contact as well. These actions are a direct violations of CFPB law, so I am seeking your assistance on this matter.
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| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$370000.00}
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| 02/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Just recieved a delinquent tax notice for my home and never missed a mortgage payment. The mortgage payment includes an escrow account for insurance, PMI, and taxes, and Planet Home Lending ( mortgae servicer ) never sent out payment. I tried telling them last year and they did nothing. Have tried calling them multiple times and can not get in contact with anyone ( on hold for over an hour ). There is interest accruing on the delinquent tax bill. Dont know what to do, I know they have the money in tge escrow account, should I pay the delinquent bill? Who pays the interest?
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| 02/07/2022 |
Yes |
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- Struggling to pay mortgage
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|
Web |
|
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My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WI XXXX. My email is XXXX, XXXX. My Mortgage Co. Name : Planet Home Lending.
I filed a complaint with you few months ago.
Planet Home Lending said because my Ex-sponse XXXX XXXX Name is on the Mortgage first, My name is on Second, I don't have any Authority to sell or Refinance or ask for a Forbearance. I filed for divorce in XX/XX/2020, Our Court date was XX/XX/2020, He Moved out by XX/XX/2020. My Alimony is about $ XXXX. I am Unemployed no benefits since XXXX.
|
| 03/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.
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| 02/13/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We have reached out to Planet home Lending on several occasions regarding several inaccurate 30 day late payments being reported on my XXXX, XXXX, and XXXX credit reports for my wife and I. They have agreed to remove late payments but we have yet to see any changes in our reports. I have also disputed the inaccurate information with the credit bureaus and they comeback with the same auto generated response as verified. We have never missed a payment in the 4 years and just ask for them to update and remove the inaccurate 30 date late 's from all three credit bureaus.
|
| 07/13/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I've tried numerous times to work with my mortgage company only to be denied 7 applications for assistance. Now I can't get a call back. I've tried selling and couldn't because they added ridiculous fees making it impossible. They say they sent correspondence. I didn't get anything until I filed a complaint and received everything at once. I have a XXXX XXXX backed loan and this mortgage company is no assistance. They prolong things so that they can file foreclosure and I lose my house. They are scandalous and shouldn't be allowed to service mortgage loans in Texas.
|
| 03/14/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I experienced water damage to my home in XXXX of 2015 and my mortgage lender wants to charge me {$46.00} third party inspection fee ( charged to my mortgage loan ) each time an inspection is required. I take exception to this fee and do not feel that I have consented to it with any mortgage agreements I have signed. I understand the bank 's need to protect their interests by having the work inspected but feel that the bank should incur this as a cost of doing business and not burden me as a customer with the cost of it paid over the remaining life of my mortgage.
|
| 03/06/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I apologize about the house. The house has already been sold to another home owner it was remodeled and re-sold. Planet mortgage has already broke even and paid the balance to XXXX. Im a XXXX veteran I can barley hear I need to purchase another home a final home in California. Planet mortgage is rendering me from that process of using my VA loan. Im no longer married to XXXX XXXX. I know she had a lawsuit on the city of XXXX XXXX for XXXX XXXX/ or XXXX I cant remember the lawyer name was XXXX XXXX in XXXX XXXX. Pain suffering from the death of her sister.
|
| 06/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We couldn't afford to pay our 2nd mortgage ( XXXX ) back in 2009 when the housing crisis happened. For 13 years we have heard very little about it. Now they are claiming we owe XXXX and they are threatening foreclosure if we don't pay. We asked for help numerous times ( at least 6 times ) and they ignored us, until just recently when we received a notice of civil lawsuit from them. They told us to give the XXXX then {$510.00} a month at 9 % until XXXX when they'd make it official, which we don't have, and they didn't put that in writing. We need help please.
|
| 07/18/2018 |
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
|
|
Web |
|
|
Planet home lending XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence.
i want the negative late of XX/XX/2018 to be removed completely.
XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
|
| 03/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am attempting to refinance my mortgage ; however, my current mortgage servicer, Planet Home Landing, reported that I was delinquent with a late payment in XX/XX/2021, but that payment was in fact made and drafted from my bank. I have the bank statement referencing that the payment was made. Because of this alleged " late payment '', I am unable to qualify for any refinancing options and it is affecting my credit standing. I am experiencing severe financial hardship and every attempt I make to refinance the mortgage is not successful because of this.
|
| 04/13/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I paid off my mortgage to Planet Home Lending and refinanced with another bank. Planet Home Lending ( PHL ) sent me a check for the accumulated escrow for {$3900.00}. I deposited the check with my bank, XXXX XXXX XXXX. XXXX had the check returned to them from PHL unpaid and the funds were withdrawn from my account. I contacted PHL and was told to submit the paperwork that XXXX had forwarded to me regarding the non honored check which I did email to them on XX/XX/2021. I keep being told that it is being looked into as to why the check was not honored.
|
| 12/16/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX of XXXX i was struggling with XXXX and I missed a payment of the amount of {$1800.00}. I called Planet Home Lending to let them know of the situation. I was scheduled to pay it off in XXXX. I paid off my mortgage for both XXXX and XXXX in XXXX. I have never missed a payment since closing on the home in XXXX of XXXX. I would like to dispute this as this has caused a negative impact on my credit when something shouldve been done. I have tried calling Planet Home Lending to see if anything could be done and they said that there was nothing.
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After multiple attempts on behalf of myself and a credit company assisting. I have had XXXX luck having the " Foreclosure/Repossession '' removed from my credit report pertaining to my previous home address.
I had provided full legal closing documents providing proof that I had sold my house, transferred deed to new owners and have a remaining balance of equity provided to me via check after my balance was paid off by the buyer.
No reason to have that derogatory misinformation showing on my credit report.
Thank you so much for your time.
|
| 01/30/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I would like to get rid of the PMI insurance on my mortgage as my mortgage is nearly 20 % paid off.
I attempted to do this several years ago and was told there was no way to do it until it was 20 % paid ( despite the value of the home FAR exceeding the ratio required to drop ).
Planet Home Lending has made it as difficult as possible to gain any information about doing this. Reading now it looks as though I likely could have dropped the PMI if I got the home assessed, but they never disclosed that in my communications with them.
|
| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was attempting to do a loan modification with PLANET HOME LENDING , LLC on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to XXXX and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both XXXX and planet homes that this was unlawful. I am victim of XXXX XXXXg.
|
| 11/25/2018 |
Yes |
|
|
|
Web |
Servicemember |
|
On XX/XX/2018, our loan was paid in full as we bought another home. We have been in contact with the Loan Mitigation Department because they said the Bankruptcy Department did not have a direct line of contact. We have - {$6800.00} in the Summary of amounts past due before bankruptcy filing ( Pre-Petition Arrearage ). Our Escrow amounts have been refunded to us but they keep saying they have to reconcile the account and this has been going on since the end of XXXX since we have been inquiring about the return of our funds.
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
During the COVID-19 initial impact on the United States my home loan company promised that if I enrolled in their loan forbearance protection I could skip up to 3 months of payments with no impact that would be reassessed at the end of the 3 months. I only skipped 1 month and quickly repaid it back over the next 2 months. They reported to the credit bureaus that I missed a payment. This clearly went against their published policies that during the pandemic no negative reporting would occur. They violated their agreement.
|
| 03/24/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Offered DIL as part of bankruptcy. I NEED NEW COVID-19 PROTECTION EXTENSION announced by President Biden to XX/XX/2021.
Original loan signed by this complanent was XXXX XXXX XXXX backed loan.
Current lender ( loan sold at least a dozen times WITHOUT notification to this debtor ).
Current mortgage instrument is on file with the XXXX County Reg of Deeds on paperwork that has the XXXX XXXX XXXX logo on paperwork. If it is not a federally protected loan then the mortgage is misrepresentation, fraudulent paperwork.
|
| 07/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet home lending took over my mortgage from XXXX. They required an escrow to pay property taxes. This was not my choice- I would have preferred to pay the taxes myself as I am ultimately liable for unpaid taxes.
However, they did not check if there were taxes due and recently, I received an invoice from XXXX XXXX about unpaid taxes, penalties, and interest. There is about XXXX dollars of my money sitting in Planet Home lending 's escrow account and they can't even pay my taxes as they are required to.
|
| 08/04/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
They ( Planet Home Lending ) are constantly calling me, even after I just made a payment. Tonight X/X/17 they called me at XXXX XXXX Pacific time. They are harassing me, even though we have discussed options, and payments. I 'm tired of being treated like a child. I want this to stop. They are causing a great deal of unnecessary stress and discomfort in my life. I know I 'm behind on the payments, but I am continuing to make payments, and am currently working on a long term solution to my problem.
|
| 12/15/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This company doesnt want to work with ous they are laying we told them that we are trying to refinance the mortgage and they gave me a letter till the XX/XX/2021 and they lied because the mortgage company that we are trying to refinance with they said that they filled a prefourclosure .I even head a attorney try to do a modification with them they will not do it they put ous to XXXX and we lost my mother because off them please help ous I am filling a attorney general complaint against them
|
| 03/11/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have tried on numerous occasions to have PMI insurance removed from my loan as I bought the house for XXXX in XXXX which is now worth over XXXX, I did refinance in XXXX with the same mortgage company for a lower interest rate, but the company failed to inform me at the time that the law changed on FHA LOANS. I currently owe XXXX but still pay PMI at a higher rate than even the automized payment schedule states. According to the document given to me I should no longer be paying PMI.
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Planet Home Lending LLC Mortgage Co, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my Ex-sponse whom I divorced since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.
|
| 03/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
When we did our home equity loan we had two parcels of land that were included in the Mortage and should have only been one. The deed for the second land is tied up and we are unable to do a home equity loan on the second parcel. It has been around 45 days and planet home lending is dragging their feet on releasing the second parcel. I have called multiple times and gotten very little information about what is going on. The people handling it will not call us back.
|
| 04/29/2016 |
No |
|
- Settlement process and costs
|
|
Web |
|
|
I was given my parents home in a trust and was deeded to the trust. It is a VA loan. The company Planet Home Lending was notified of this change in 2013. I continues all payments and they accepted the insurance all years. Now they have requested the insurance state the ESTATE of. There is no Estate it is a trust. They gave me the option of getting this stated or I would need to assume the loan. I in good faith have made all payments, insured and made this my home.
|
| 12/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.
|
| 09/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.
|
| 10/06/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
We took out a home equity loan with XXXX XXXX we had a legal agreement in writing and were making payments of {$150.00} per month that were automatically taken out of my checking account every month a company called planet lending bought the loan and filed a foreclosure against my home.
The original loan amount was {$30000.00} planet lending is demanding {$90000.00} or the home will be sold at auction.
Our first mortgage with XXXXXXXX XXXX is current.
|
| 03/28/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. The last notice we received was XXXX 2015 with an Amended Complaint For Deed of Trust Foreclosure. We have not received {$3500.00} in dues and fines to date. This home is also becoming an eyesore in the community with landscaping issues, break ins to the home and fencing falling down.
|
| 12/29/2021 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
While I was in forbearance with my mortgage lender they are not supposed to send any negative remarks towards my credit bureau which they have been I have contacted the credit bureau I have contacted my bank lender and not I should have been done to remove this negative remarks I want action being taken against them and I want these negative remarks be removed from my credit as soon as possible. The name of the bank lender is planet home lending
|
| 10/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
Older American, Servicemember |
|
This mortgage was sold to XXXX, since 2008, we refinanced for lower rate being senior for {$50000.00}. they threaten foreclosure if we didn't sign the attached clause with a balloon mortgage with an outrageous maturity date. We returned it with the crossed out clause. All these years they have only applied {$23.00} towards principal. My husband is a XXXX XXXX and i'm XXXX ... We would like to refinance to payoff credit card. Please help us...
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I filed a Complaint # XXXX, which is now closed ; however, Planet Home Lending has now reported me as delinquent to the XXXX Credit. I only had a loan with them ( # XXXX ) for one month ( XX/XX/2019 XXXX and it was transferred to XXXX XXXX XXXX and I was not late on my payment. They are just trying to get back at me for filing a complaint with your organization. Can you please help me get my credit report back to good standing? Thank you.
|
| 03/09/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a usda mortgage with planet home lending. This company removed my option to make a payment online. As I was trying to make a payment the portal said I had a payment scheduled ( which was also false information ) this company intentionally took my right to pay so it could be reported late. My rights where violated because I wasnt allowed to make a payment. They Reported it to the credit bureau as a late payment. This is unfair.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C 1681 section 602 says, I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 12 states, A consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666 B A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have reached out to my loan servicer to tell them they need to make my tax payment by the end of the month. They said it is in procsses. I let them know that there is an economic cost if not and they are unable to provide any info. The servicer has the funds in an escrow account and the initial escrow analysis shows it paid in XXXX. Their servicing system does not show a pending payment online. Planet home XXXX XXXX : XXXX
|
| 10/18/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
This company bought my loan from another company while I was on a Covid-19 forbearance So shortly after they got my loan, I had already applied for mortgage assistance and was approved so while Im in forbearance this new company reported illegally that I was 120 days late. After I got on them about it, they promised they would remove it and my account be back normal in 30 days, well they lied its still there. I need ur help
|
| 05/12/2020 |
No |
|
|
|
Web |
Servicemember |
|
We closed on a loan with agreed upon terms which included refund of escrow in the amount of {$3400.00}, no closing fees, two months deferred payments and lower monthly mortgage.
Our previous complaint # XXXX. Planet home Lending applied amount to old loan payoff using a document from a previous loan application. My resolve would be a lender credit in the amount of {$3400.00} to cover escrow funds due to close this matter.
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.
|
| 11/24/2023 |
Yes |
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
I sent a promissory note for full value received to Planet Home Lending LLC.
According to UCC 3-104 a promissory note is a negotiable instrument.
According to UCC 3-603 if a tender of payment is NOT accepted then the debt is discharged for the full value of the tendered payment.
According to HJR 192 one can't deman a certain form of currency since any form and all forms of U.S. currency are the consumer 's credit.
|
| 07/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I set up payment plan from my bank XXXX & XXXX XXXX XXXX, Pa, the new company refused payment.
XX/XX/2023 Dear XXXX XXXX, We tried to process your payment to PLANET HOME LENDING for {$1100.00} on XX/XX/2023, but it was returned to our processing center due to an invalid account number. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account.
|
| 09/11/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Planet Home Lending have late payments on my credit report even though I paid in full plus the fee I want them to remove late payments from my Credit Report thanks I called them in advance and explain my situation they told that would accept double payments plus the fee, I have not miss a payment since then, 2017 is not a late payment is incorrect I always pay them on the XX/XX/XXXX of every month from my XXXX XXXX
|
| 07/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
They are trying to foreclose on my house with fraudulent documents A Affidavit of Notice and a revocation power of attorney was filed in the Real Estate Division XXXX county. They are using fraudelant documents to take possession of my home.. I asked for a judical foreclosure based on the PSA. I was in the process of a modification when they initiated the foreclosure which is a part of dual tracking and a violation
|
| 10/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Every month Planet Home Lending sends me a mortgage statement that has fees and charges on it of {$1800.00}. When I called Planet Home Lending to ask what those fees and charges represent, they could not tell me anything other than the fees and charges were transferred over to them from the previous servicer. In addition, I made an additional payment of {$1500.00} on XX/XX/2019 which was not applied to my account.
|
| 10/13/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
i bought my house XX/XX/2011 Originally when I sign up the loan with XXXX bank I have private mortgage insurance added to my loan and the agreement was i have to be five year paying on time and it will be remove. my loan was sold to XXXX and now its currently with planet lending now it being five year paying the pmi. i am asking them to remove my pmi and they are giving running around and they cant not remove it
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
m y complaints against planet home lending. I was in forbearance in XXXX since then i have paid my mortgage for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in full each months its due 8 months planet home lending is showing all 8 months late because I did not pay on the 1st day of every month I have paid all 8 months I am trying to get refinanced. can you help me clear my credit reports all 3 XXXX XXXX XXXX.
|
| 02/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Planet Home Lending did not offer loss mitigation services or notified my possibilities before the 45 days before the sale. I received the notification by regular mail 39 days before the sale. There was not enough time to complete the loss mitigation application. I received this application because I called them on XX/XX/2022. They never contact me prior my call to request help with my financial situation.
|
| 07/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet home lending sold my mortgage to XXXXXXXX XXXX Planet home lending was supposed to stop taking payments starting XX/XX/2023, but they did not.
They took out the payment anyway.
I called XXXXXXXX XXXX is they are saying payment is due for XX/XX/2023.
I called planet home lending, they said they will forward the payment but its still not forwarded and Im writing this complaint on XX/XX/2023 2023
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Planet home lending is reporting a late in XX/XX/2022, but this account has been paid off now sure why they would report this account as negative this month. I tried disputing this but nothing has been fixed. It took a hard hit on my credit score. According the the FCRA it is a violation to report inaccurate information and could be fined up to {$1000.00}. Could you please investigation for me? Thank you!
|
| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying unsuccessfully for over a week to obtain the payoff amount for my mortgage I have with planet home lending to no avail. I have submitted proper request and called them today to be treated rudely and talked down to. I have never missed or been late on any payments. Was told my information was inaccurate only to be reviewed by a supervisor and he seemed it was correct still no assistance.
|
| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.
|
| 04/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
PLANET LENDING IS NOT WORKING WTH ME AND MY SITUATION. I AM AWAIYTING AN APPROVAL FROM CA MORTGAGE RELIEF PROGRAM. PLANET LENDING SENT ME A MODIFICATION APPROVAL WITH A QUESTIONABLE PROGRAM THAT PUT ALL THE DELUNQUENT INTO A HOLDING ACCOUNT. I AM ASKING FOR ASSISTANCE WITH THE DELINQUENCY IF I SIGN THIS WITH MIGHT I ADD ONLY HAVE A WEEK TO DO SO I MAY MISS OUT ON THE GRANT FUNDS FOR HELP.
|
| 09/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am trying to work with my mortgage servicer to get rid of my Private Mortgage Insurance, since my LTV is now less than XXXX %. They are using the original appraised value from 8 years ago and I am using the current county assessed value. Is this customary? I could be saving {$120.00} a month but I am having to pay this amount for another 2 years. I feel this is unfair and deceptive.
|
| 11/20/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
A check was mailed to planet home lending from XXXX on behalf of myself and wife, the check was mailed out XXXX XXXX and it took 4 phone calls, an open to dispute to locate the check which didn't happen until XXXX XXXX. After I was finally able to speak to a supervisor because all other customer service reps wouldn't help me in tracking down why they haven't received the check.
|
| 02/08/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
my lender transferred my loan to Planet Home and they deducted a payment from an unauthorized account and upon our attempts to resolve a stop payment was put on the payments from the unauthorized account, and instead of drawing the funds from the authorized account we were reported as late.we never should have been late as they were authorized to work off the correct account.
|
| 03/28/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report with XXXX incorrectly shows I missed XXXX mortgage payments after my XXXX XXXXXXXX repayment plan completed. I contacted Planet Home Lending and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. XXXX still shows XXXX missed payments. I have filed multiple disputes with XXXX and they have refused to correct the error.
|
| 08/17/2021 |
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
|
|
Web |
|
|
I am in the home buying process. I have asked numerous times for my credit report. The Leander XXXX XXXX NMLS ID # XXXX has given me every excuse to why he can not give me the information. I can not move forward unless i have another leander run my credit. He knows this and is being very unprofessional. I shouldnt have to work this hard to get my own information.
|
| 09/09/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
Planet Home Lending has not allowed my final payment of a COVID Forbearance Plan to process. I have not received a phone or written notice on my payment status. I logged into the payment portal and it states " Online payment scheduling is currently unavailable. Please try again later ''.
No one has returned my call when I have tried to pay in advance as well.
|
| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I would like to make a lump sum payment of $ XXXX $ XXXX and recast the loan. Asked Planet Home Lending on XX/XX/2022 through email. Since than, send 3 more emails to follow up. Each time they said they forwarded my requested to related party/department and waiting answer.
I have a feeling that they are doing this intentionally and causing me to loose money.
|
| 08/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have asked him on multiple occasions to send me an amortization of the loan payments. Request that the mortgage servicers of the loan ( multiple ) be investigated, since they can not provide me with detailed information and a breakdown of the items that are charging me in the total mortgage debt, the awarded payments, charges, legal expenses, among others.
|
| 03/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robo calls from Planet Home Lending , LLC. The calls specifically state Planet is attempting to collect a debt. I have already notified Planet Home Lending , LLC to cease robo calls and to only communicate in writing.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Reporting late payments.
accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
|
| 09/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dear Sir or Madam, We are filing this complaint and ask that you answer the following questions, see enclosed attachments. Please note, we have sent Planet Home Lending a numerous amount of correspondence asking the same questions and have not received your ( Planet Home Lending ) response. Year to date, those questions remain unanswered.
|
| 03/05/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XX/XX/XXXX I was informed my existing loan is not gaurenteed thru the VA. The loan I am trying to refinance is with my current mortgage loan provider and they are saying I can not use my IRRRL benefits. I have all loan documents showing my existing loan is a VA loan and I believe I am a victim of mortgage fraud by Planet Home Lending.
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The Mortgage company has not paid my Property taxes and holds excessive dollars in the impound account. There is 2.5 times the the tax bill in the escrow account. I have call the Mortgage company and uploaded the most recent tax bill to XXXX as per instructions from the Mortgage servicer. The dollars still sit in the escrow account.
|
| 11/18/2016 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I attempted to refinance my home. Each time I spoke with them it was a new document they needed. I was told each time they needed nothing new. This went on for over 4 months. I even paid XXXX for an estimate to be completed on my home for the refinance out of pocket. I was then told the rate was no longer good, and I 'd have to wait.
|
| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The lender has failed to respond to our QWR and notice of error - we believe the lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ) . Your client failed to provide XXXX XXXX with a Post-Foreclosure Referral Not ice in violation o f 12 C.F .R. 1024.39 ( b )
|
| 01/23/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
i applied for a VA streamline refinance with a lender other than the current one. i realized i not did have the Note in the package provided by the original lender. i have tried for a month to obtain the note from current lender. i need your help to obtain a copy of the note from current lender to consummate my refinance.
|
| 09/09/2023 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Older American, Servicemember |
|
I am the widow of a XXXX vet and have been tax exempt for at least 15 years. At closing, my mortgage company, Planet Home Lending, charged me XXXX XXXXXXXX for taxes as part of my payoff. The tax collector sent the check back to the mortgage company and now the mortgage company is sitting on my refund. Please help.
|
| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My ex husband got a house in my name. he XXXX XXXX me i filed for XXXX and the magistrate ordered him to refinance to get in his name in XXXX XXXXHe didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
|
| 10/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Im on XXXX and planet home lending gave me 2 forbearance. I had XXXX county paying my mortgage payment and when the forbearance came up The department refused to pay and now I have six payments late. My money was not in my control. The mortgage people knew this and this is in my name, but I had no say
|
| 11/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
all started with receiving a call from tax office for non paid XXXX taxes. then the insurance got canceled for non payment. first my mortgage company denied the credits they received from previous lender after proving them they said they would solve it still taxes and insurance not paid.
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
|
| 02/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Names on the mortgage XXXX XXXX and XXXX XXXX. We were approved for the homeowners assistance funds since XX/XX/XXXX. XXXX adviced us the payment was sent since XX/XX/XXXX. My mortgage company still havent apply the payment. Now we are past due with a late fee.
|
| 02/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company is not paying our property taxes. We are receiving notices of unpaid property taxes. This is the second year in a row. We have called and they have said the problem is fixed and the payment is sent and then we receive notice of forfeiture.
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Servicemember |
|
My house got foreclosed because the VA took me out of the retirement payment system. I got behind on my mortgage and couldn't catch back up. Now the foreclosure is on my credit report preventing me from finding a place to live as a retired military veteran.
|
| 03/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This mortgage company is deducting money from my escrow for payments other than insurance or taxes. The following month they are claiming an escrow shortage. I have requested an audit showing all money transfers or cancelled checks and have been refused.
|
| 05/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Planet home lending was my mortgage lender from XX/XX/2018 to XX/XX/2018.
They are reporting multiple 120 day late payments on all 3 credit bureaus destroying my credit score and refusing to correct the problem. My wife and I were never 120 days late.
|
| 07/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
bank servicing did deferment with out my consent in the amount of XXXX, while being eligible for the funds from XXXX XXXX. and are not communicating with the program, whenever i call they are saying that a supervisor will call me and they never do
|
| 07/27/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My Husband and I have been paying and trying to become current with the back Mortgage that we owe to try to become current and every time we start to get close to paying it down to pay it off, PLANET HOME LENDING refuses to except any more money.
|
| 07/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Planet Home Lending sold my loan without proper notification to XXXX XXXX. This is now the third mortgage company in less than a year. It is completely unethical and unreasonable for a mortgage company to sell my loan WITHOUT notification.
|
| 01/05/2016 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
There is a lot I do n't understand on how Planet Home Lending is using my escrow account. I was expecting to have a lower mortgage payment but for some reason it goes up with some number that do not much my calculations.
|
| 03/14/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I experienced water damage to my home XX/XX/2015. My mortgage lender refuses to pay interest on the claim funds held in escrow despite California law ( California Civil Code ( 2954.8. Payment of Interest to Borrower ).
|
| 06/18/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We were denied of a modification due to " not imminent default ''. Our income is less than halfthat when we got the loan. I lost my job due to medical reasons and I am filling for XXXXOur loan take 36 % of our income.
|
| 02/27/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
We received your attached default notice XXXX XXXX, 2016.
We are in the process of applying for a loan with Keep Your Home California and ask that you please wait 45 days before taking any futher foreclosure steps.
|
| 09/27/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage company will not remove mortgage insurance, continues to slam my phone with daily collections calls, does not allow payments to be made online if you get behind, and charges a {$10.00} fee to pay by phone.
|
| 10/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Applied for mortgage recasting. Lender refused it. They didn't inform and misguided me when i signed the loan documents about the loan recasting.
I want to make big payment and recast the loan.
|
| 06/27/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
The state of XXXX is requiring me to pay taxes on my home I purchased XX/XX/XXXX even though Im tax exempt as a 100 % XXXX XXXX veteran since XX/XX/XXXX. Nearly {XXXX} tax bill I dont have.
|
| 10/19/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
I was working a full time job for a year getting paid {$32.00} a hour. My boss moved and the company laid me off. I am listed still as an employee but i dont work but XXXX hours per week.
|
| 02/01/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am a veteran my loan was transferred to planet home lending on XX/XX/XXXXi made my payment on time on XX/XX/XXXX they are holding my payment claiming they have not received it
|
| 09/21/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American, Servicemember |
|
Sent initial payment and payment was not accepted, Now they want to charge double. And add late fees for their mistake. It is two months now and they have accepted payments.
|
| 06/18/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Wife loss her job for medical reasons and may not return to work. A request to modify our loan was denied by Planet home lending because we where only XXXX months late.
|
| 07/10/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I bought a home in XXXX with a XX/XX/XXXX loan with $ XXXX down, gor behind been trying to modify since XXXX now they started a foreclosure process.
|
| 08/13/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
WE ARE TRAYING TO WORK WITH THEM BUT THEY ARE NOT WILLING TO WORK WITH OUS -- -WE HAVE BEEN SCAM BY A ATTERNEY MODAFICATION COMPANEY
|
| 11/25/2016 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The bank is charging me more than my original mortgage, and they do n't want to help me or reach any agreement.
|
| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dishonest and fraudulent forbearance information, promise, and subsequent sale of loan see attached.
|
| 04/23/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have pay my Morgege in full but my escrow money the mortgage company they not want to pay back.
|
| 08/14/2017 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
my monthly payments is going to high for me, they increase the mortgage payments,.
|
| 10/13/2022 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Just got behind on my payment due to dealing with life situations.
|
| 02/08/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
Servicemember |
|
|
| 01/30/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
Older American, Servicemember |
|
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
|
- Closing on a mortgage
- Delays with the closing process
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
|
- Trouble during payment process
- Fees charged
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Phone |
|
|
|
| 01/08/2024 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Servicemember |
|
|
| 12/30/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 12/23/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
|
| 12/15/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Servicemember |
|
|
| 12/08/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
|
| 12/06/2023 |
Yes |
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
Servicemember |
|
|
| 12/02/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Phone |
|
|
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
|
|
|
| 11/27/2023 |
Yes |
|
- Trouble during payment process
- Interest rate
|
|
Web |
Servicemember |
|
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Servicemember |
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American, Servicemember |
|
|
| 10/13/2023 |
Yes |
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American, Servicemember |
|
|
| 08/31/2023 |
Yes |
|
- Closing on a mortgage
- Delays with the closing process
|
|
Web |
Servicemember |
|
|
| 08/24/2023 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 07/31/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 07/21/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 06/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/13/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/05/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 06/05/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/13/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/13/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 02/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 01/11/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 01/06/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 12/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/04/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 11/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/20/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 09/19/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 08/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 08/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 04/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/14/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/17/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 03/12/2022 |
Yes |
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 03/05/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/24/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 01/13/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Phone |
Servicemember |
|
|
| 12/23/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/17/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 12/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 11/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/02/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/30/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
|
|
|
Phone |
|
|
|
| 09/13/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 08/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/09/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 07/16/2021 |
Yes |
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 06/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 06/01/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 05/28/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 05/05/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/03/2021 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 04/26/2021 |
Yes |
|
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American |
|
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
|
| 03/03/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
Servicemember |
|
|
| 02/18/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 02/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/15/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/30/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
Older American |
|
|
| 11/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/02/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 09/25/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 09/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 09/01/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 08/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 07/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/27/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 06/19/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 05/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 05/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/30/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/30/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/21/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 03/17/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/20/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/11/2020 |
Yes |
|
|
|
Phone |
|
|
|
| 01/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/08/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
Older American |
|
|
| 12/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/10/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 12/02/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/24/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/23/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
Servicemember |
|
|
| 09/13/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/09/2019 |
Yes |
|
|
|
Phone |
|
|
|
| 07/23/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 04/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/27/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 12/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 10/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/10/2018 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/02/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/25/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 08/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/02/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 07/30/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 07/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/05/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/23/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 04/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/28/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/18/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/13/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/13/2017 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 12/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/01/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/23/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 10/23/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/04/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 10/03/2017 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 09/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Fax |
|
|
|
| 09/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/09/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/26/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/01/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 05/19/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 04/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/07/2017 |
No |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 03/17/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/16/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/15/2017 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/17/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 01/13/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/27/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 12/09/2016 |
No |
|
- Settlement process and costs
|
|
Phone |
Older American |
|
|
| 12/06/2016 |
No |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 11/29/2016 |
No |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
Servicemember |
|
|
| 10/14/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
Servicemember |
|
|
| 10/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 10/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/04/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/21/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 07/27/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/15/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/12/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 02/23/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/17/2016 |
No |
|
|
|
Referral |
|
|
|
| 02/16/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 02/08/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 12/22/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 12/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 12/05/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/04/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/01/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/18/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 07/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/13/2015 |
No |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 05/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/22/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/11/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 12/05/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 11/25/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 10/29/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 10/29/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/29/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/14/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 10/10/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/08/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/07/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/27/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 09/05/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 08/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/19/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 08/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/16/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 07/10/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/09/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 05/27/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 03/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 02/22/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 02/20/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 12/12/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/11/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 11/25/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/21/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
|
| 10/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/21/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 07/12/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American, Servicemember |
|
|
| 07/02/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 06/25/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/15/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 05/08/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/07/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/06/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/01/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/14/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/13/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/10/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|