| 04/12/2019 |
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 get information regarding the removal of PMI and this process has been more than frustrating.
In summary : I contacted Platinum sometime in late XXXX XXXX and asked very specific questions regarding the PMI removal process. I was told that the LTV needed to be at 80 % for this to happen. I specifically asked whether it was 80 % or if it was 75 %. I was told during this initial call that 80 % LTV, along with a new appraisal, was the requirement for consideration of PMI removal. I was very clear with my questions and even made sure to confirm this information so there would be no confusion on my part. The Platinum representative told me 80 % LTV plus a new appraisal.
On XX/XX/XXXX I contacted Platinum and paid for the appraisal. The {$420.00} was paid over the phone on that day. After making the payment, I was told that I would be contacted by Platinum to schedule the appraisal. The woman stated I should be contacted by a certain date ( cant remember the exact date but approximately 3 weeks ) and if I havent heard from Platinum by that date, I should call back.
Around XX/XX/XXXX I still had not heard from Platinum so I called back as directed. I was told that I owed an additional {$150.00} for the appraisal as the initial {$420.00} was not sufficient. Im not sure how I was supposed to know this as I was never contacted by Platinum to inform me of this. I paid the additional {$150.00} over the phone as instructed by the employee from Platinum. This was all done the same day. I was again told that I should hear something from Platinum within the next couple of weeks. I was given a date but Im not exactly sure what the date was exactly. I want to say that it was sometime around Christmas. Well, that day came and went and once again, no contact from Platinum regarding the appraisal. I called Platinum and explained the situation and stated that Platinum had failed to contact me ( by the dates the had provided ) on two separate occasions. An appraisal was ultimately scheduled for XX/XX/XXXX.
On XX/XX/XXXX the appraisal was completed. The appraiser was very polite and was a pleasure to work with. I was told ( by the appraiser ) that his report would be given to Platinum in 3 days or so. After waiting a few days, I called Platinum to check the status of the process. I was told the appraisal had been received and was under review. I would be contacted with Platinums decision in a few weeks. Again, I was given a date that I do not remember.
As had happened twice before, I did not hear anything from Platinum by the date I was provided. On XX/XX/XXXX I called Platinum for an update. I was told that our home appraised for {$660000.00} but the request to remove PMI was denied. I was told the LTV % used to make this determination was with the original purchase price of {$620000.00} and not the {$660000.00} that the appraisal stated. I was also told that the LTV needed to be 75 % LTV and not the 80 % LTV that I had been previously told.
Not only was it now 75 % LTV, it was 75 % LTV of the original price and NOT the new appraised value. I explained that I had been told differently during my previous conversations with Platinum. I also asked why the {$660000.00} value was not used. I was told that Platinum decided to use the original value instead of the new appraised value. I asked why would anyone pay {$580.00} for an appraisal if Platinum was just going to use the original purchase price as their baseline value? If Platinum was going to use the original value, it would make no sense for anyone to pay for a new appraisal. The woman on the phone had no reasonable explanation for using the original purchase price value.
I then asked why Platinum could decide to use whatever value they wanted when it had been Platinum who required the appraisal in the first place. There was no explanation provided other than that was the value they ( Platinum ) had decided to use. I was also told that my PMI would be automatically removed once the loan balance was at 78 % LTV or {$480000.00}.
All of this information came as a shock to me as it was completely contradictory to what I had been previously told. Why would anyone pay for an appraisal if Platinum could chose whatever amount they wanted to use? Of course Platinum would chose the lower value and keep themselves protected by continuing to collect PMI.
This conversation ended as I was now thoroughly frustrated with the process. I explained to the customer service agent that I had been given bad information and that I did not blame her for my frustrations with the company. I did however, want her to know what Platinum had told me in previous conversations. Im sure those calls are recorded and Im confident that this employee knew I was not shooting the messenger as she was just relaying the information provided to her.
The next day or the day after, my wife contacted Platinum for more information regarding this decision. My wife asked to speak with a supervisor and instead, was given a local branch employee ( XXXX XXXX XXXX ) contact information. My wife and I have both contacted XXXX and she has been in contact with Platinum on our behalf. XXXX has been more than helpful and I appreciate all the effort she has put in to help us resolve this issue. She really has been the only bright spot in the entire ordeal.
XXXX contacted Platinum on our behalf and she was given the same 80 % LTV information that I was initially given. Per my conversation with XXXX, who had been in contact with Platinum customer service, Im certain that both XXXX and I believed the PMI would be removed at 80 % LTV of the new appraised value of {$660000.00}.
Using the 80 % LTV number that she was given, I added an additional {$1000.00} to our XX/XX/XXXX payment. This would guarantee that our LTV % was below the 80 % LTV that both she and I had been told. XXXX then told me to send an additional request to remove PMI, along with a copy of the appraisal.
Once the XX/XX/XXXX regular payment, along with the additional {$1000.00} had cleared, I knew we had met the 80 % LTV requirement. On XX/XX/XXXX I sent Platinum a second request to remove PMI and attached a copy of the appraisal.
Platinum acknowledged receipt of my request and I was told, via an automated email response, that the request would be processed in 15-20 days.
As had previously happened ( twice before ) the self imposed date came and went with no response from Platinum. Nothing was sent to us, no phone calls were made, and we still did not have an answer.
When the next monthly statement arrived ( XX/XX/XXXX ), the PMI was still applied to the loan and another {$220.00} PMI payment was due. There was no additional information regarding our request on the XXXX statement.
On XX/XX/XXXX, I sent another request to Platinum asking about the status of our request. I also stated how disappointed I was in the customer service and lack of communication from the company ( not XXXX ). On XX/XX/XXXX I missed a phone call from Platinum as we were flying home from a vacation in Florida. A voicemail was left however it was too late in the day for me to call Platinum back.
On XX/XX/XXXX I called the number provided in the voicemail. After jumping through the hoops of the automated phone tree, I spoke with a woman named XXXX. I explained the situation and stated I was returning a call from Platinum. XXXX had no idea what the call was about and stated she could not find any notes regarding the reason for Platinums voicemail. As XXXX continued to search for the reason behind the voice mail that Platinum had left me, I received a call from the same number that I had reached XXXX with. This number was ( XXXX ) XXXX. I told XXXX that it appeared Platinum was now calling me while I had her on the phone. I told XXXX I would answer that call and maybe the person on the other end would know about my situation.
When I answered the call from Platinum, and in the process placed XXXX on hold, I was greeted by a recorded message telling me to call Platinum at the same number. There was no one on the other end of the line. I hung up and expected to return to my call with XXXX. When I hung up, XXXX was now gone and the call disconnected. Frustrated even more by the ridiculousness of this situation, I called my wife and asked her to call Platinum as I needed to get back to work.
Later in the day ( still on XX/XX/XXXX ) my wife called Platinum to speak about the second request for PMI removal. My wife was told that the PMI removal was denied. When asked for the reason for the denial, no reason was given. My wife was told that Platinum would send an email to us ( me ) within the hour. This email would explain the reasons for the denial of our request to remove PMI. It is now almost XXXX XXXX. on XX/XX/XXXX and no email from Platinum was received.
Its sad to say that I am not surprised by this. Given our experience with this PMI removal process, Id say this is par for the course as the customer service and communication from Platinum has been nothing short of horrible.
In summary, it appears I paid {$580.00} for an appraisal that I apparently did not need as the higher appraised value was not going to be used by Platinum. Im still wrestling with the fact that Platinum requested this appraisal as part of the process. Platinum also selected the appraiser, and then chose not to use the new appraised value in their decision making process.
Im also wondering why so much contradictory information regarding the LTV % was provided to me during this process. I feel like I asked all of the right questions when I initially inquired about the removal of PMI. Im also extremely disappointed in the horrible communication that Platinum has provided to me as EVERY promised date was ignored by the company and instead, I had to reach out to the company every step of the way.
There can be no good reason that several weeks went by because I owed an additional {$150.00} for the appraisal. I was told {$420.00} the day I ordered the appraisal, not {$580.00}. Platinum never even called to say it would cost more. When I called to inquire, I was then told that I owed the additional money. I have no idea how I was supposed to know this information.
After resolving the appraisal cost issue, Platinum never met their own ( self imposed ) timelines they had provided to me in regards to the scheduling of the appraisal and the decision to remove PMI. This was beyond frustrating to say the least.
Even so, after speaking with XXXX, I was optimistic that the situation had been resolved. I agreed to pay an additional {$1000.00} to ensure that we met the LTV % requirement that both XXXX and I had been told. Even after doing so, and re-submitting the PMI removal request as told, the request was again denied for some unknown reason. Platinum then ( again ) stated they would send an email with the hour, with an explanation for the denial. No email was sent and I am still without answers.
I feel like I have wasted the {$580.00} for the appraisal. I also took {$1000.00} out of my savings that I apparently did not need to. I am extremely frustrated and absolutely disappointed in Platinum. I absolutely despise the fact that I have to send Platinum another payment as I would never support any company that provides such poor customer service.
Hopefully Platinum can get everyone on the same page and provide consistent and accurate information to their customers. Doing so may ensure that no one else has to go through this horrendous process that I have dealt with since XXXX of XXXX. XXXX XXXX in XXXX XXXX has been great with us. This email is no reflection of the interactions we have had with her. She has been more than helpful and the folks at Platinum should aspire to be as helpful as she is.
After I sent the above complaint to Platinum ( on XX/XX/XXXX ) I was contacted by a local branch employee on XX/XX/XXXX, indicating the second request was also denied. Oddly enough, a generic letter indicating the denial was attached. Letter was dated XX/XX/XXXX.
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| 03/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Dear CFPB : I had the worst experience with Platinum Home Mortgage ; delays in communication and Internal Revenue issue that was brought to our attention on XXXX/XXXX/XXXX, this was literally 10 days prior to finalizing and closing escrow. Platinum Home Mortgage ran our XXXX as of XXXX/XXXX/XXXX, which they had ample time of 43 days to address this issue.
I truly believe Platinum Home Mortgage is in violation of TRID.
I have attached my letter to XXXX XXXX XXXX, XXXX of Platinum Home Mortgage, sent on XXXX/XXXX/XXXX, seeking resolution and assistance. I have attached corresponding e-mails from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX , In-House Counsel of Platinum Home Mortgage.
XXXX XXXX XXXX sent me an e-mail on XXXX/XXXX/XXXX with an attachment letter from Platinum Home Mortgage, as noted below : Responding to my letter on XXXX/XXXX/XXXX, including in the spirit of customer satisfaction, " We are willing to offer you {$500.00} to compensate you for any confusion that may have caused you. Please sign the below acknowledgement and email or return to me at the address shown in the upper left hand corner. A check will then be issued and sent to you via certified mail.
You acknowledge that acceptance of such reimbursement forever releases and discharges Platinum Home Mortgage Corporation and its successors, assigns of any and/or other compensation of any nature whatsoever, both known and unknown, against Platinum Home Mortgage Corporation, including any and all claims under federal and state law. '' I did not sign. Platinum Home Mortgage has not addressed my issue concerning my Buyer/Borrower Escrow Closing Statement, which list IRS Payment of {$1600.00} which legally states on the Escrow Closing Statement, which we legally signed a binding agreement of Escrow Fees, my husband and I executed the Escrow Closing Statement Agreement on XXXX/XXXX/XXXX.
Platinum Home Mortgage never revised IRS Payment from {$1600.00} to {$4400.00} a difference of {$2700.00}. Platinum Home Mortgage was to make a wire deposit of {$25000.00} into our checking, as promised by XXXX XXXX, Mortgage Consultant of Platinum Mortgage and XXXX XXXX, Notary of XXXX.
We also received a generated Closing Disclosure sent by Platinum Home Mortgage Corporation in XXXX, XXXX, which stated IRS Payoff of {$1600.00}.
XXXX XXXX indicated, if we wanted to close on XXXX/XXXX/XXXX, we said, yes. XXXX XXXX confirmed our loan was recorded on Fri, XXXX/XXXX/XXXX and funds would be available on Monday XXXX/XXXX/XXXX. We confirmed with our bank Mon, XXXX/XXXX/XXXX, Tues, XXXX/XXXX/XXXX and the morning of Wed, XXXX/XXXX/XXXX and no funds?? No communication given by Platinum Home Mortgage.
We then receive a call on Wed, XXXX/XXXX/XXXX from XXXX XXXX, Escrow Assistant & Office Manager of XXXX XXXX in XXXX XXXX, XXXX - indicating our funds were wired and payoffs were completed. We inquired as to why the payoffs and monies were n't wired until Wed, XXXX/XXXX/XXXX to our account as promised??
XXXX XXXX indicated Platinum Home Mortgage did n't want to send the pay-off to the IRS of {$4400.00}, they were going back and forth with XXXX, as to whom was going to send the IRS payoff?? XXXX XXXX still had the IRS funds and had n't sent out for payment. We were verbally told by XXXX XXXX on a conference call.
As XXXX had our Escrow Closing Statement- fully executed by us, which stated IRS Pay-off of {$1600.00}, which XXXX XXXX confirmed the stated pay-off amount.
Platinum Mortgage did not mention this conversation on their corresponding e-mail/letter to us on XXXX/XXXX/XXXX. XXXX XXXX held the payment to the XXXX XXXX due to my instructions, until we resolved, but clearly due to Platinum Home Mortgage hesitation.
I communicated with XXXX XXXX, I would be reaching out to XXXX XXXX XXXX, CEO of Platinum Home Mortgage and I would be seeking legal counsel for resolution and XXXX
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| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I contacted Platinum home lending in XX/XX/2020 to have my property appraised to have my mortgage insurance removed since I feel our home has 20 % or more equity. They denied my request twice claiming I did not qualify because of late payments. There was never any lates on my account due to us paying late. Lender has applied payments from someone elses account to ours and then reversed payments all without ever contacting us. When they reversed the payments it made the account show payments was late because they applied our payments as future payments but they did not revise our payments to complete the payments they reversed. After fighting with them it was moved to management ( XXXX XXXX ) which could see it was there fault. They finally approved my loan to have an appraisal done in XXXX. We promptly paid for the appraisal on XX/XX/XXXX. A week later we received a email requiring a list of improvements done to the house which we replied same day showing {$120000.00} in recent renovations to the home. We confirmed at the end of XXXX that they did receive the list of upgrades and that everything was in place. They claimed the appraisal company was just backed up but would be in contact soon. I spoke with XXXX mid XXXX since we received no contact. She checked and said they are still just backed up. I have left 3 messages with XXXX and have received no reply in the month of XXXX. Its been 2.5 months since we paid for an appraisal and we have not even been contacted. We have been paying over {$270.00} a month more in MI then we should need to for 5 months because of them delaying this. This is abusive behavior and causing financial harm to me because of the delays.
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| 07/08/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My home mortgage was transferred to XXXX ( Platinum Home Mortgage ) effective XX/XX/2015.I was notified in XXXX XXXX, but I have yet to receive a welcome package or payment coupon book from the new lender. I have struggled to figure out where I 'm supposed to send my house payment and how to pay it online. Previous to the lender transfer, I always made my home loan payments online and on time. Today, I was able to find the new lender website through my own research ( www.phmc.myloancare.com ). I very well could have mailed a check to their address in XXXX, Virginia, and it would have been received prior to XXXX/XXXX/2015 XXXX when a late fee would have otherwise been assessed ). I opted to pay online after I confirmed my account appeared to be transferred to the new lender. While processing the online mortgage payment, I was forced to use the one-time payment option as the lender determined my mortgage was past due ( even though they would only assess a late fee if payment was not received by XXXX/XXXX/2015 ). As such, I was forced to pay a {$5.00} penalty for paying XXXX days after the due date of XXXX. Otherwise, I would have setup auto-pay and been done with the transaction. I resent being penalized for making my house payment on time. It might only be {$5.00}, but multiply that by XXXX of people every month and that 's quite a chunk of passive income. I believe this is an unfair business practice and the lender should be prohibited from assessing such fees, especially in the process of a mortgage transfer over which I had no control.
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| 05/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Platinum Home Mortgage Corporation, PHMC, continues to charge PMI on the mortgage though the XXXX is presently at XXXX % I've made several requests over the past 3 yrs to stop PMI. I understood PMI would be charged since the down payment was less than XXXX %.
I have made consistent mortgage payments for the past 4 years never even late and always paying more than the required amount.
The Homeowner 's Protection Act of XXXX and XXXX 's website states aXXXX XXXX % XXXX and a consistent record of payment the PMI is automatically removed. They are using every excuse not to stop PMI like not enough entity, requiring a XXXX for {$150.00} or a full appraisal at {$320.00}. The recent excuse is FEMA declared a high risk emergency in XX/XX/XXXX But in reviewing FEMA 's website XXXX XXXX is not on the list. Also I believe the XXXX was achieved before XX/XX/XXXX so that occurred after the loan was under XXXX % XXXX.
I need help and want a refund of unearned monies. They also have my {$150.00} in a restricted column after agreeing to credit me placing it in the principal column. Two weeks later unbeknownst to me the credit was removed and placed in a restricted column and no BPO was done.
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| 12/08/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Several Employees at Platinum Home Mortgage XXXX XXXX for purposes of a competitive advantage have put up hundreds of horrible untrue links that disparage me and other people that I work with. I spoke with the attorney for platinum and he told me that he would not be able to help me. These are horribly false complaints by his company 's employees that have hurt me both personally and financially.
The company and XXXX of their loan officers and management teams including their NMLS number are included in the links : XXXX XXXX XXXX The XXXX.
XXXX XXXX NMLS XXXX is a disgruntled former employee who works for Platinum and runs a completely non-compliant website, XXXX for Platimun Home Mortgage XXXX. I ca n't prove that he 's behind this so I wo n't accuse him. However XXXX of his team XXXX XXXX is obviously involved based on the links I 'll provide to you on google. XXXX also a Platinum Home Mortgage NMLS XXXX employee does his programming also has a website, doctorsfundinggroup.com that directly links to all of the XXXX consumer sites. I do not want to file this but Platinum left me no choice. I ca n't take these things down. Only they or their employees can.
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| 02/22/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX.
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| 12/01/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We refinanced our home loan and have been paying monthly on time. The mortgage company did n't end the original loan and they keep sending us default letters and are reporting it on our credit report that we are in default. We have called the mortgage company 4 times, every time we get a loan default letter. They keep telling us the same things that the computer is spitting out these letters and making excuses. We ca n't get the mortgage company to make the status of the past loan paid off like it should be, instead they are reporting it every month as defaulted. We have XXXX mortgages on our credit report, XXXX we are paying on and XXXX that we are in default and should have been paid off. They are hurting our credit score by reporting a loan we no longer have and that it is in default. We are afraid that they will start the process of repossession on this loan that we do n't have anymore. What can be done?
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| 01/09/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected.
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| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American |
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For the 2nd year in a row, money was taken from my escrow account and paid for a hazard insurance policy for another account. Apparently my insurance carrier inadvertently sent them a bill for another property I own. Last week I received a letter from Platinum Home Mortgage stating they had paid premiums for both my prior ( there was no prior ) and new insurance companies ; and that now my escrow account could ( would ) be short ; and my payment might ( will ) increase. I called them and asked why they paid a bill which clearly showed it was for another property. They told me I was my responsibility to contact my insurance company and see why they sent them 2 bills, and that I now need to send them more money or have my payment increased.
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| 07/04/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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1. Loan is still not closed after 7 months.
2. Operations Manager made several attempts to make our insurance company insure for the full amount of the loan and not just the dwelling as allowed by law.
3. Calls and emails being sent to us after XXXX requesting that we need to sign the paperwork immediately.
4. XXXX closing dates have been set up and we are still not closed.
5.Repeated attempts to get us to sign documents indicating a 10 % interest rate instead of 4.5 %.
6. Verbal statements as follows : " Just sign the paperwork. I swear XXXX that we will change it back to 4.5 %.
7. Numerous delays due to their own negligence and errors.
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| 11/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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I was paying XXXX I received a letter that I have a shortage of {$7000.00} that I can pay it with in a month otherwise it will be collected XXXX/XXXX/2016. Once during this period you required escrow account balance be reduced to {$1300.00} as shown in XXXX.this amount representative cushion selected by us as allowed by your mortage contract as projected escrow account balance - $ XXXXand my required begging escrow according to this analysis should be {$2300.00} Im in shock how is it that mu payment went from XXXX to {$2300.00} Because
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| 06/11/2023 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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| 09/20/2018 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
|
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XXXX XXXX is acting as a loan officer and Realtor without a license. We were referred to him by friend and found out that he is not licensed. When discussing loan options and XXXX taking our application he became very upset that we questioned his role in our loan. He is provided us with a license number of someone with the same name who may be his father. I am very upset at the lack of integrity.
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| 04/12/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
About 2 months ago. My lender ran a payment early, causing an overdraft charge.
I have submitted all the proof necessary At first I was denied to they thought I mailed in a check.
But the payment was done over the phone it 's been about 2 months since the incident happen.
When I call ask for a manager I get a voicemail. The overdraft charge was XXXX All I am asking for is a refund for XXXX
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| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
When we refi the house, the bank that owned the mortgage reported it paid off ( I have the payment receipt ) but put the wrong bank name on the discharge paperwork. We are unable to get Platinum Mortgage to issue a discharge statement ( or assignment ) and it had clouded our title.
The case is with the mortgage servicer at the time, XXXX and is case number XXXX XXXX XXXX.
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| 09/07/2015 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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I have a mortgage through Platinum Home Mortgage. I purchased the home XXXX/XXXX/12. I have had nothing but screw ups with them. My payment has gone up and down so many times. My son and his wife, daughter and her husband have the same type of loan with NO problems. I am at a fixed rate of 3.375 % and the beginning loan amount was {$110000.00}
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Unauthorized hard inquiry
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| 11/17/2022 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
|
| 12/01/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
|
| 08/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
|
|
| 03/15/2019 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
|
| 09/12/2018 |
Yes |
|
- Trouble during payment process
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|
Web |
|
|
|
| 03/24/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/19/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 11/20/2013 |
Yes |
|
- Loan servicing, payments, escrow account
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Postal mail |
|
|
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| 10/21/2013 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
|
| 09/20/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/17/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/28/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/07/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/09/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/15/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|