PRIMELENDING, A PLAINSCAPITAL COMPANY CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/10/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 75028	Web
The Subject Property : XXXX XXXX XXXX XXXX On XXXX XXXX XXXX , the XXXX purchased a new home located at XXXX XXXX XXXX XXXX , XXXX , Texas XXXX ( the Subject Property ) from XXXX XXXX , XXXX f/k/a XXXX XXXX , XXXX ( XXXX XXXX ) for a purchase price of {$440000.00}. The XXXX financed their purchase of the Subject Property with a conventional mortgage loan from PRIMELENDING VENTURES , LLC d/b/a XXXX XXXX ( PRIMELENDING ) in the amount of {$350000.00}. PRIMELENDING is XXXX XXXX in-house lender through an affiliated business arrangement. After purchasing the Subject Property, the XXXX subsequently learned that much of the information on which they had based their decision to purchase the Subject Property was inaccurate and specifically intended to falsely inflate the Subject Propertys appraised value and purchase price. The XXXX became aware of the fraudulently inflated appraisal ( s ) performed by XXXX XXXX , XXXX d/b/a XXXX , XXXX XXXX XXXX ( XXXX ) and Mr. XXXX XXXX XXXX because through XXXX XXXX , a licensed real estate agent who represented the XXXX and several other clients who have purchased homes in the XXXX on XXXX XXXX subdivision. After reviewing another appraisal performed by XXXX and XXXX XXXX , the XXXX noticed that the both their appraisal and Mr. and Mrs. XXXX appraisal used the same comparable sales when other more appropriate comparable sales ( i.e., same floorplan, recent sale, located less than XXXX miles from subject property, etc. ) were available. XXXX and Mr. XXXX repeated use of XXXX XXXX XXXX XXXX , XXXX , Texas XXXX ( which had an adjusted sales price of {$450000.00} ) as a sales comparable was not accidental. Review of the Official Public Records of Real Property of XXXX XXXX XXXX , Texas shows that the purchase prices of XXXX XXXX new construction homes in the XXXX on XXXX XXXX subdivision by purchasers who did not use PRIMELENDING as their lender paid substantially less because XXXX was not able to inflate the appraised value of the homes. None of the properties sold by XXXX XXXX that were financed by a lender other than PRIMELENDING were used in Mr. XXXX appraisal of the Subject Property. As a result of the fraudulently inflated appraisal for the Subject Property, the XXXX qualified for a mortgage loan in an amount higher than they would have be able to qualify for if the Subject Property had been accurately appraised. The inflated appraisal caused the XXXX to pay a higher purchase price for the subject property and pay substantially more in interest and principal payments over the life of their mortgage loan. Additionally, the inflated purchase price resulted in the XXXX losing at least {$32000.00} when they sold th e Subject Property on XXXX XXXX XXXX for {$410000.00}. Mortgage Fraud Inflated Appraisal XXXX and Mr. XXXX intentionally inflated the appraised the value of the Subject Property to allow XXXX XXXX to sell the Subject Property at its contract sales price while also ensuring that the XXXX would qualify for a conventional mortgage loan. XXXX XXXX earns more profit as a result of the increased sales price. PRIMELENDING and Ms. XXXX XXXX , the loan originator, earn more profit as a result of the increased amount of the XXXX mortgage loan. XXXX and Mr. XXXX earn more repeat business as the appraisers of XXXX XXXX properties due to the lack of an appraisal management company ( XXXX ). The inflated appraised value of the Subject Property benefits everyone except the XXXX . XXXX XXXX in-house lender, PRIMELENDING VENTURES , LLC d/b/a XXXX XXXX ( PRIMELENDING ), the loan originator, Ms. XXXX , and XXXX XXXX sales agent, Ms. XXXX XXXX , intentionally ignored the inflated appraised value caused by the inaccurate comparable sales used in the Subject Propertys Uniform Residential Appraisal Report ( URAR ). XXXX XXXX listing agent, XXXX XXXX , caused inaccurate information to be input or uploaded into the MLS. The inaccurate information listed in the MLS, in conjunction with Mr. XXXX intentional selection of favorable comparable sales with unjustified adjustments, shows a conspiracy to fraudulently inflate appraisals for not only the XXXX but also for any other homes sold by XXXX XXXX in the XXXX on XXXX XXXX subdivision. A non-exhaustive list of the discrepancies and inaccuracies contained in the Subject Propertys URAR is p rovided below. The XXXX are in the process of gathering additional information related to XXXX XXXX sale of homes in the XXXX on XXXX XXXX subdivision, which will illustrate a pattern of inflating appraisals and the purchase prices of new home sales by XXXX XXXX , Mr. XXXX , Ms. XXXX , XXXX , Mr. XXXX , PRIMELENDING, and Ms. XXXX . XXXX XXXX XXXX XXXX Comparabl e Sale No. 2 The Subject Propertys URAR prepared by Mr. XXXX listed XXXX XXXX XXXX XXXX , XXXX , Texas XXXX as a comparable sale. According to the URAR, XXXX XXXX XXXX XXXX sold on XXXX XXXX XXXX for {$440000.00}. According to the Official Public Records of Real Property of XXXX XXXX XXXX , Texas, XXXX XXXX XXXX and XXXX XXXX XXXX financed the purchase of XXXX XXXX XXXX XXXX with a mortgage loan from PRIMELENDING in the amount of {$300000.00}. The likelihood that XXXX XXXX XXXX XXXX sold for almost {$450000.00} with a mortgage of almost {$310000.00} is very low. Additionally, Mr. XXXX adjustments on the URAR for XXXX XXXX XXXX XXXX were not appropriate and not in compliance with the UNIFORM STANDARDS OF PROFESSIONAL APPRAISAL PRACTICE ( USPAP ). The adjustments indicate a clear attempt to manipulate the URAR with XXXX XXXX XXXX XXXX listed as a comparable sale. Mr. XXXX , Ms. XXXX , PRIMELENDING, and HIGHLAND HOMES intentionally use d XXXX XXXX XXXX XXXX as a comparable sale ( with an inaccurate sales price ) to the Subject Property when more appropriate comparable sales were available, such as XXXX XXXX sale of XXXX XXXX XXXX XXXX , which is addressed below. Additionally, PRIMELENDING and Ms. XXXX were aware that XXXX XXXX XXXX XXXX did not sell for {$440000.00} as she originated the mortgage loan on that property. However, when the XXXX realtor reached out to Ms. XXXX regarding the {$440000.00} sale price of XXXX XXXX XXXX XXXX , Ms. XXXX confirmed that it sold for the amount listed on the XXXX appraisal. XXXX XXXX XXXX XXXX Available Comparable Sale Not Used On XXXX XXXX XXXX , XXXX XXXX sold the property located at XXXX XXXX XXXX XXXX , XXXX , Texas XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX . According to the XXXX fficial Public Records of Real Property of XXXX XXXX XXXX , Texas, Mr. and Mrs. XXXX financed the purchase of XXXX XXXX XXXX XXXX with a mortgage loan fro m PRIMELENDING in the amount of {$380000.00}. According to the MLS, XXXX XXXX sold XXXX XXXX XXXX XXXX to Mr. and Mrs. XXXX by a cash sale for {$400000.00}, which directly contradicts the deed records that clearly indicated that they financed the purchase of the home. A comparison of the Subject Property and XXXX XXXX XXXX XXXX shows the following : Subject Property XXXX XXXX XXXX XXXX Builder : XXXX XXXX XXXX XXXX Gross Living Area : XXXX sq. ft. XXXX sq. ft. Bedrooms : XXXX XXXX Bathrooms : XXXX XXXX Garage : XXXX -car/attached 3-car/attached Sale Date : XXXX XXXX XXXX XXXX XXXX XXXX Sale Price : {$440000.00}???? On Page XXXX of XXXX of the URAR, Mr. XXXX states : Due to the lack of more current comparable sales available at this time in the subject development, it was necessary to extract sale from another similar competing development in the subjects marketing area. The sales utilized in this analysis are all extracted from within the subjects marketing area, are felt to be the best, most current, comparable and are considered to be good indications of value. Most weight was placed on sales XXXX and XXXX as they were built by the subjects builder and are located in the subjects development. The Subject Property and XXXX XXXX XXXX XXXX have the same floorplan and were sold by XXXX XXXX approximately XXXX ( XXXX ) months apart. Mr. XXXX conclusion that the subject development lacked more current comparable sales is simply not true. The XXXX suspect that there were likely many other available comparable sales that were not used because those buyers selected lenders other than PRIMELENDING and Ms XXXX XXXX to provide financing. XXXX XXXX XXXX XXXX Comparable Sale No. 4 The Subject Propertys URAR listed XXXX XXXX XXXX XXXX , XXXX , Texas XXXX as a comparable sale. The URAR listed XXXX XXXX XXXX XXXX sale price to be {$490000.00}. The Official XXXX ublic Records of Real Property of XXXX XXXX XXXX , Texas show that on XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX financed their purchase of XXXX XXXX XXXX XXXX with a mortgage loan in the amount of {$390000.00}. The XXXX indicates that XXXX XXXX XXXX XXXX sold for {$490000.00} on XXXX XXXX XXXX and the purchase price was financed with a mortgage loan in the amount of {$350000.00}. The MLS data for XXXX XXXX XXXX XXXX is clearly inaccurate. Even if the MLS data was accurate, the URARs comparable sale data for XXXX XXXX XXXX XXXX does not match the XXXX data. The glaring discrepancies in the URAR and the MLS are hi ghly suspicious when the end result is an inflated appraised value for the Subject Property. A comparison of the Subject Property and XXXX XXXX XXXX XXXX shows the following : Subject Property XXXX XXXX XXXX XXXX . Builder : XXXX XXXX XXXX XXXX Gross Living Area : XXXX sq. ft. XXXX sq. ft. Bedrooms : XXXX XXXX Bathrooms : XXXX XXXX Garage : XXXX car/attached XXXX -car/detached Sale Date : XXXX XXXX XXXX XXXX XXXX XXXX Sale Price : {$440000.00} {$490000.00} Mr. XXXX conclusion that the using XXXX XXXX XXXX XXXX . as a comparable sale because the subject development lacked more current comparable sales is simply not true. Mr. XXXX appraisal also incorrectly listed XXXX XXXX XXXX XXXX . as having an attached garage when it actually had a detached garage, as shown in the photographs attached to the appraisal. XXXX XXXX XXXX XXXX . Available Comparable Sale Not Used On XXXX XXXX XXXX , XXXX XXXX sold the property located at XXXX XXXX XXXX XXXX , XXXX , Texas XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . According to the Official Public Records of Real Property of XXXX XXXX XXXX , Texas, Mr. XXXX and Mrs. XXXX financed the purchase of XXXX XXXX XXXX XXXX . with a mortgage loan from XXXX XXXX XXXX XXXX in the amount of {$340000.00}. According to the MLS, XXXX XXXX sold XXXX XXXX XXXX XXXX to Mr. XXXX and Mrs. XXXX for {$420000.00}, and the purchase price was financed with a conventional mortgage loan in the amount of {$340000.00}. A comparison of the Subject Property and XXXX XXXX XXXX XXXX . shows the following : Subject Property XXXX XXXX XXXX XXXX . Builder : XXXX XXXX XXXX XXXX Gross Living Area : XXXX sq. ft. XXXX sq. ft. Bedrooms : XXXX XXXX Bathrooms : XXXX XXXX Garage : XXXX car/attached XXXX -car/attached Sale Date : XXXX XXXX XXXX XXXX XXXX XXXX Sale Price : {$440000.00} {$420000.00} Although it would have been appropriate, Mr. XXXX intentionally avoided using XXXX XXXX XXXX XXXX . as a comparable sale because he would not have been able to inflate the Subject Propertys appraise d value. XXXX XXXX XXXX XXXX . Available Comparable Sale Not Used On XXXX XXXX XXXX , XXXX XXXX sold the property located at XXXX XXXX XXXX XXXX , XXXX , Texas XXXX to XXXX XXXX . According to the Official Public Records of Real Property of XXXX XXXX XXXX , Texas, Mr. XXXX financed the purchase of XXXX XXXX XXXX XXXX with a mortgage loan from XXXX , XXXX in the amount of {$360000.00}. According to the MLS, XXXX XXXX sold XXXX XXXX XXXX XXXX to Mr. XXXX for {$420000.00}, and the purchase price was financed with a conventional mortgage loan in the amount of {$350000.00}. The data shown on the MLS for the mortgage on XXXX XXXX XXXX XXXX . does not match the deed of trust granted by Mr. XXXX . A comparison of the Subject Property and XXXX XXXX XXXX XXXX . shows the following : Subject Property XXXX XXXX XXXX XXXX . Builder : XXXX XXXX XXXX XXXX Gross Living Area : XXXX sq. ft. XXXX sq. ft. Bedrooms : XXXX XXXX Bathrooms : XXXX XXXX Garage : XXXX -car/attached XXXX -car/attached Sa le Date : XXXX XXXX XXXX XXXX XXXX XXXX Sale Price : {$440000.00} {$420000.00} Again, Mr. XXXX intentionally avoided using XXXX XXXX XXXX XXXX . as a comparable sale because he would not have been able to inflate t he Subject Propertys appraised value. XXXX XXXX XXXX XXXX Comparable Sale No. 5 The Subject Propertys URAR listed XXXX XXXX XXXX XXXX , XXXX , Texas XXXX as a comparable sale. The URAR list ed XXXX XXXX XXXX XXXX listing price to be {$470000.00}. According to the MLS, th e list price for XXXX XXXX XXXX XXXX was {$440000.00}. The Official Pu blic Records of Real Property o f XXXX XXXX XXXX , Texas show that on XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX financed their purchase of XXXX XXXX XXXX XXXX with a VA mortgage loan in the amount of {$420000.00}, which is likely relatively close to the purchase price. The MLS indicates that XXXX XXXX XXXX XXXX sold for {$420000.00} on XXXX XXXX XXXX XXXX and the purchase price was financed with a VA mortgage loan in the amount of {$420000.00}. Th e MLS data appears to be accurate ; however the URARs comparable sale da ta for XXXX XXXX XXXX XXXX does not match the MLS data. The glaring discrepancies in t he URAR and the MLS are highly suspicious when considering the end result is an inflated appraised value for the Subject Property.
05/10/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 774XX	Web
The Subject Property : XXXX XXXX XXXX XXXX On XXXX XXXX , XXXX , the XXXX purchased a new home located at XXXX XXXX XXXX XXXX , XXXX , Texas XXXX ( the Subject Property ) from XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX ( XXXX HOMES ) for a purchase price of {$410000.00}. The XXXX financed their purchase of the Subject Property with a mortgage loan fro m PRIMELENDING VENTURES, LLC d/b/a XXXX XXXX ( PRIMELENDING ) in the amount of {$390000.00}. PRIMELENDING is XXXX XXXX in-house lender through an affiliated business arrangement. After purchasing the Subject Property, the XXXX subsequently learned that much of the information on which they had based their decision to purchase the Subject Property was inaccurate and specifically intended to falsely inflate the Subject Propertys appraised value and purchase price. The XXXX became aware of the fraudulently inflated appraisal ( s ) performed by XXXX XXXX , XXXX d/b/a XXXX , XXXX XXXX XXXX ( XXXX ) and Mr. XXXX XXXX XXXX because XXXX XXXX is a licensed real estate agent who has represented several clients who have purchased homes in the XXXX on XXXX XXXX subdivision. After reviewing another appraisal performed by XXXX and XXXX XXXX for one of her clients, Mrs. XXXX noticed that the both her appraisal and her clients appraisal used the same comparable sales when other more appropriate comparable sales ( i.e., same floorplan, recent sale, located less than 0.17 miles from subject property, etc. ) were available. XXXX and XXXX XXXX repeated used of XXXX XXXX XXXX XXXX , XXXX , Texas XXXX with an adjusted sales price of {$450000.00} as a sales comparable was not accidental. Review of the Official Public Records of Real Property of XXXX XXXX XXXX , Texas shows that the purchase prices of XXXX XXXX new construction homes in the XXXX on XXXX XXXX subdivision by purchasers who did not use PRIMELENDING as their lender paid substantially less because XXXX was not able to inflate the appraised value of the homes. None of the properties sold by XXXX XXXX that were financed by a lender other than PRIMELENDING were used in XXXX XXXX appraisal of the Subject Property. As a result of the fraudulently inflated appraisal for th e Subject Property, the XXXX qualified for a mortgage loan in an amount higher than they would have be able to qualify for if th e Subject Property had been accurately appraised . More specifically, the XXXX would not have been able to make a much more substantial down-payment that would have been requ ired on a 95/5 co nventional loan. The inflated appraisal caused the XXXX to pay a higher purchase price for the subject property and pay substantially more in interest and principal payments over the life of their mortgage loan. Mortgage Fraud Inflated Appraisal XXXX and XXXX XXXX intentionally inflated the appraised the value of the Subject Property to allow XXXX XXXX to sell the Subject Property at its contract sales price while also ensuring that the XXXX would qualify for a 95/5 conventional mortgage loan. XXXX XXXX earns more profit as a result of the increased sales price. PRIMELENDING and XXXX XXXX XXXX , the loan originator, earn more profit as a result of the increased amount of the XXXX mortgage loan. XXXX and XXXX XXXX earn more repeat business as the appraisers of XXXX XXXX properties due to the lack of an appraisal management compan y ( AMC ). The inflated appraised value of the Subject Property benefits everyone except the XXXX and the mortgage company who subsequently purchased the XXXX mortgage on the secondary market. XXXX XXXX in-house lender, PRIMELENDING VENTURE S, LLC d/b/a XXXX XXXX ( PRIMELENDING ), the loan originator, XXXX XXXX , and XXXX XXXX sales agent, XXXX XXXX XXXX , intentionally ignored the inflated appraised value caused by the inaccurate comparable sales used in the Subject Propertys Uniform Residential Appraisal Report ( URAR ). XXXX XXXX listing agent, XXXX XXXX , caused inaccurate information to be input or uploaded into the MLS. The inaccurate information listed in th e MLS, in conjunction with XXXX XXXX intentional selection of favorable comparable sales with unjustified adjustments, shows a conspiracy to fraudulently inflate appraisals for not only the XXXX but also for any other homes sold by XXXX XXXX in the XXXX on XXXX XXXX subdivision. A non-exhaustive list of th e discrepancies and inaccuracies contained in the Subject Propertys URAR is provided below. T he XXXX are in the process of gathering additional information related to XXXX XXXX sale of homes in the XXXX on XXXX XXXX subdivision, which will illustrate a pattern of inflating appraisals and the purchase prices of new home sales by XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX , XXXX XXXX , PRIMELENDING, and XXXX XXXX . XXXX XXXX XXXX XXXX Comparabl e Sale No. 2 The Subject Propertys URAR prepared by XXXX XXXX listed XXXX XXXX XXXX XXXX , XXXX , Texas XXXX as a comparable sale. According to the URAR, XXXX XXXX XXXX XXXX sold on XXXX XXXX , XXXX for {$440000.00}. According to the Official Public Records of Real Property o f XXXX XXXX XXXX , Texas, XXXX XXXX XXXX and XXXX XXXX XXXX financed the purchase of XXXX XXXX XXXX XXXX with a mortgage loan from PRIMELENDING in the amount of {$300000.00}. The likelihood that XXXX XXXX XXXX XXXX sold for almost {$450000.00} with a mortgage of almost {$310000.00} is very low. Additionally, XXXX XXXX adjustments on the URAR for XXXX XXXX XXXX XXXX were not appropriate and not in compliance with the UNIFORM STANDARDS OF PROFESSIONAL APPRAISAL PRACTICE ( USPAP ). The adjustments indicate a clear attempt to manipulate the URAR with XXXX XXXX XXXX XXXX listed as a comparable sale. XXXX XXXX , XXXX XXXX , XXXX , and XXXX XXXX intentionally used XXXX XXXX XXXX XXXX as a comparable sale ( with an inaccurate sales price ) to the Subject Property when more appropriate comparable sales were available, such as XXXX XXXX sale of XXXX XXXX XXXX XXXX , which is addressed below. Additionally, PRIMELENDING and XXXX XXXX were aware that XXXX XXXX XXXX XXXX did not sell for {$440000.00} as she originated the mortgage loan on that property. However, when XXXX XXXX reached out to XXXX XXXX regarding the {$440000.00} sale price of XXXX XXXX XXXX XXXX , XXXX XXXX confirmed that it sold for the amount listed on XXXX XXXX appraisal. XXXX XXXX XXXX XXXX Available Comparable Sale Not Used On XXXX XXXX , XXXX , XXXX XXXX sold the property located at XXXX XXXX XXXX XXXX , XXXX , Texas XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX . According to the Official Public Records of Real Property of XXXX XXXX XXXX , Texas, XXXX and XXXX XXXX financed the purchase of XXXX XXXX XXXX XXXX with a mortgage loan from XXXX , XXXX in the amount of {$330000.00}. According to the MLS, XXXX XXXX sold XXXX XXXX XXXX XXXX to XXXX and XXXX XXXX by a cash sale for {$360000.00}, which directly contradicts the deed records which clearly indicated that they financed the purchase of the home. A comparison of the Subject Property and XXXX XXXX XXXX XXXX shows the following : Subject Property XXXX Trickle XXXX XXXX Builder : XXXX XXXX XXXX XXXX Gross Living Area : 3,137 sq. ft. 3136 sq. ft. Bedrooms : 4 4 Bathrooms : 3 3 Garage : 3-car/attached 3-car/attached Sale Date XXXX XXXX , XXXX XXXX XXXX , XXXX On Pa ge 3 of 6 of the URAR, XXXX XXXX states : Due to the lack of more current comparable sales available at this time in the subject development, it was necessary to extract sale from another similar competing development in the subjects marketing area. The sales utilized in this analysis are all extracted from within the subjects marketing area, are felt to be the best, most current, comparable and are considered to be good indications of value. Most weight was placed on sal es 1 and 2 as they were bu ilt by the subjects builder and are located in the subjects development. The Subject Property and XXXX XXXX XXXX XXXX have the same floorplan and were sold by XXXX XXXX approximately three ( 3 ) mo nths apart. XXXX XXXX conclusion that the subject development lacked more current comparable sales is simply not true. The XXXX suspect that there were likely other available comparable sales that were not used because those buyers selected lenders other than PRIMELENDING and XXXX XXXX to provide financing. XXXX XXXX XXXX XXXX Comparable Sale No. 5 The Subject Propertys URAR listed XXXX XXXX XXXX XXXX , XXXX , Texas XXXX as a comparable sale. The URAR listed XXXX XXXX XXXX XXXX sale price to be {$480000.00}. According to the MLS, the list price for XXXX XXXX XXXX XXXX was {$400000.00}. The Officia l Public Records of Real Property of XXXX XXXX XXXX , Texas show that on XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX XXXX financed their purchase of XXXX XXXX XXXX XXXX with a mortgage loan in the amount of {$300000.00}. The MLS indicates that XXXX XXXX XXXX XXXX sold for {$370000.00} on XXXX XXXX , XXXX and the purchase price was financed with a mortgage loan in the amount of {$310000.00}. The MLS data for XXXX XXXX XXXX XXXX is clearly inaccurate. Even if the MLS data was accurate, the URARs comparable sale data for XXXX XXXX XXXX XXXX does not match the MLS data. The glaring discrepancies in the XXXX and the MLS are highly suspicious when considering who is responsible for inputting and verifying the sales data and when the end result is an inflated appraised va lue for the Subject Property. The inflated appraised value of the Subject Property benefits everyone except for the XXXX and XXXX XXXX BANK, XXXX . ( XXXX XXXX ), as the purchaser of the XXXX mortgage loan through XXXX XXXX .
10/19/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL 32221	Web
Under the t.i.l.a act we wasn't fully disclosed of our rights of rescission no receipt was provided to us after we signed the promissory note and I've done a r.e.s.p.a and they have forged the note Dear Sir/Madame : Please be advised that the above-referenced borrowers in connection with a financial transaction that occurred on the abover teferenced date. Based upon information received from our client, an expert mortgage audit report, and our research of the property records, the filings with the UNITED STATES Securities and Exchange Commission and interviews with various mortgage brokers, lenders, appraisers, title agents, and closing agents, we believe there are claims against you and your company for negligence, breach of contract, and breach of fiduciary duty, along with other claims in law and equity which total more in financial damages than the clients equity ( down payment ), costs of closing, all points and interest paid to date plus the par value of the subject mortgage note ( s ). This is a substantial claim that may exceed the policy limits on any and all insurance policies issued that cover the risks in this claim. Please forward a copy of this letter to any company that has issued a policy of insurance covering errors, omissions, negligence or any other guarantee or indemnification relative to the above-referenced loan closing. Failure to notify your insurance carrier may result in denial of coverage or denial of the duty to defend. The above-referenced loan closing involved conflicting documentation and failure to disclose the existence of a Pooling and Service Agreement and Assignment and Assumption Agreement that predated the loan closing and provided for fees, profits and payments that were never intended to be disclosed to the borrower and that were withheld from the borrower before, during and after the subject loan closing. It was not until exhaustive research was performed that the true facts are emerging, and which have caused our client to express an immediate need and desire to rescind the alleged subject loan transaction. Based upon conversations with our client and interviews with people who have knowledge of the practices and policies of the parties to this transaction, it is apparent that, contrary to federal and state law, you have participated in an extended pattern of conduct to further, foster, allow and promote an interstate conspiracy to deceive and defraud persons targeted as prospective borrowers in entire geographic regions of the the United States including but not limited to our client, and were further negligent in your supervision of your officers, directors, agents, affiliates, vendors and employees resulting in substantial financial and other injuries to our client. Further based upon public filings, it appears that you, your insurance carriers, your agents, servants, vendors and employees must have known all or enough of the true facts to know that our client was not receiving the guidance, protection, due diligence or information to which our client was entitled and had our client been apprised of the true facts, our client would not have executed the papers that were presented as ordinary mortgage loan documents but which which in fact were part of an elaborate scheme for the execution of documents purporting to be loan documents but which resulted in the issuance of a negotiable instrument with the intent on your part, and undisclosed and unknown to our client, to change the terms and conditions of payment of the mortgage note from its stated terms, pay fees and profits to a variety of undisclosed third parties who were participating in the fraudulent sale of unregulated securities which purported to be backed by the mortgage note of our client and that appear to have misled investors into believing that the certificates they purchased were also backed by the property of our client. Further, based upon conversation with our client, we have determined that the appraised value used in the loan closing was not computed in accordance with industry guidelines for using comparable time frames and geography and other indicia of probable value, as opposed to price. The value reported to our client by the Lender and the Lender 's appraiser was intentionally or negligently tied to the contract price and was significantly higher than the real fair market value at that time. This disparity since has been easily corroborated by current values in the area, to wit : concurrent with the collapse of your scheme, the values of the real property of our client declined to the levels that existed before this scheme was initiated. This indicates a probability that the appraisal review required of the nominal lender was omitted. In fact, based upon preliminary investigation, the appraisal review process was both omitted and intentionally terminated, along with the re-assigned or terminated personnel that would have performed such functions. It also indicates that the cost of the loan was significantly higher that what was reported on the GFE and other disclosure documents at the time of closing. Further it is apparent that you were aware and participated in the deception by which our client was led to believe that the nominal lender was the actual lender and that the nominal lender was renting its registration and charter to third parties who were neither chartered financial institutions nor registered business entities in the state in which the property was located. The transaction was known by you and the others at the alleged loan closing to be a sham through which unregulated, unregistered and unchartered people and businesses engaged in banking and lending contrary to federal and state law. Taken together with the experts finding of deceptive lending practices concerning affordability and tangible benefits, the true term of the loan was significantly overstated, in that the future reset of payments made it highly likely that the loan would go into default at a time much earlier than than the expressed term of the mortgage note. This was a fact known by every participant at the loan closing except our client. Reducing the term of the loan to the time of expected default and adding the inflated appraisal resulted in an APR significantly exceeding the legal interest limit under state law and violate applicable laws on usury entitling our client to nullification of the note, extinguishment of the mortgage, treble damages and attorney fees, in addition to the refunds, rebates and damages stated in the experts report. Based upon reports received from XXXX XXXX XXXX legal compliance division, it is apparent from filings with the Securities and Exchange Commission that the loan was table funded and that the nominal lender was in fact a stand-in for a series of parties who were not disclosed as the source of the funds, not disclosed as the recipient of fees ( including the nominal lender who may have received a fee of 2.5 % of the par value of the mortgage note ), and not disclosed as the actual lender in the subject loan transaction. Again while all of the participants at the loan closing were aware of these facts, our client was kept in the dark. Hence, our client was never notified regarding the identity, authority and regulation, charter, or registration of the actual lender. Further, it can not be determined from the filings of the referenced parties, nor the notices to the borrower, who is the current actual holder in due course, who is entitled to payment under the mortgage note, whether additional third party payments were made from insurance products that are reported to have guaranteed either the payments or the principal of the mortgage note, or whether in fact the mortgage note has been prepaid, overpaid, or any balance is owed and if so, to whom. This prevents the borrower from notifying the true source of funds ( the actual lender ) of borrower 's intent to rescind. It is our determination, based upon these facts, that the loan closing was never completed and that therefore the 3 day right of rescission was neither waived nor did it expire. Under the Federal Truth in Lending Act the appropriate party must either comply with the rescission or file a declaratory action seeking to avoid the rescission. PLEASE GOVERN YOURSELVES ACCORDINGLY
10/19/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL 32221	Web
XXXX XXXX XXXX XXXX Dear Sir/Madame : Please be advised that the above-referenced borrowers in connection with a financial transaction that occurred on the above referenced date. Based upon information received from our client, an expert mortgage audit report, and our research of the property records, the filings with the UNITED STATES Securities and Exchange Commission and interviews with various mortgage brokers, lenders, appraisers, title agents, and closing agents, we believe there are claims against you and your company for negligence, breach of contract, and breach of fiduciary duty, along with other claims in law and equity which total more in financial damages than the clients equity ( down payment ), costs of closing, all points and interest paid to date plus the par value of the subject mortgage note ( s ). This is a substantial claim that may exceed the policy limits on any and all insurance policies issued that cover the risks in this claim. Please forward a copy of this letter to any company that has issued a policy of insurance covering errors, omissions, negligence or any other guarantee or indemnification relative to the above-referenced loan closing. Failure to notify your insurance carrier may result in denial of coverage or denial of the duty to defend. The above-referenced loan closing involved conflicting documentation and failure to disclose the existence of a Pooling and Service Agreement and Assignment and Assumption Agreement that predated the loan closing and provided for fees, profits and payments that were never intended to be disclosed to the borrower and that were withheld from the borrower before, during and after the subject loan closing. It was not until exhaustive research was performed that the true facts are emerging, and which have caused our client to express an immediate need and desire to rescind the alleged subject loan transaction. Based upon conversations with our client and interviews with people who have knowledge of the practices and policies of the parties to this transaction, it is apparent that, contrary to federal and state law, you have participated in an extended pattern of conduct to further, foster, allow and promote an interstate conspiracy to deceive and defraud persons targeted as prospective borrowers in entire geographic regions of the the United States including but not limited to our client, and were further negligent in your supervision of your officers, directors, agents, affiliates, vendors and employees resulting in substantial financial and other injuries to our client. Further based upon public filings, it appears that you, your insurance carriers, your agents, servants, vendors and employees must have known all or enough of the true facts to know that our client was not receiving the guidance, protection, due diligence or information to which our client was entitled and had our client been apprised of the true facts, our client would not have executed the papers that were presented as ordinary mortgage loan documents but which which in fact were part of an elaborate scheme for the execution of documents purporting to be loan documents but which resulted in the issuance of a negotiable instrument with the intent on your part, and undisclosed and unknown to our client, to change the terms and conditions of payment of the mortgage note from its stated terms, pay fees and profits to a variety of undisclosed third parties who were participating in the fraudulent sale of unregulated securities which purported to be backed by the mortgage note of our client and that appear to have misled investors into believing that the certificates they purchased were also backed by the property of our client. Further, based upon conversation with our client, we have determined that the appraised value used in the loan closing was not computed in accordance with industry guidelines for using comparable time frames and geography and other indicia of probable value, as opposed to price. The value reported to our client by the Lender and the Lender 's appraiser was intentionally or negligently tied to the contract price and was significantly higher than the real fair market value at that time. This disparity since has been easily corroborated by current values in the area, to wit : concurrent with the collapse of your scheme, the values of the real property of our client declined to the levels that existed before this scheme was initiated. This indicates a probability that the appraisal review required of the nominal lender was omitted. In fact, based upon preliminary investigation, the appraisal review process was both omitted and intentionally terminated, along with the re-assigned or terminated personnel that would have performed such functions. It also indicates that the cost of the loan was significantly higher that what was reported on the GFE and other disclosure documents at the time of closing. Further it is apparent that you were aware and participated in the deception by which our client was led to believe that the nominal lender was the actual lender and that the nominal lender was renting its registration and charter to third parties who were neither chartered financial institutions nor registered business entities in the state in which the property was located. The transaction was known by you and the others at the alleged loan closing to be a sham through which unregulated, unregistered and unchartered people and businesses engaged in banking and lending contrary to federal and state law. Taken together with the experts finding of deceptive lending practices concerning affordability and tangible benefits, the true term of the loan was significantly overstated, in that the future reset of payments made it highly likely that the loan would go into default at a time much earlier than than the expressed term of the mortgage note. This was a fact known by every participant at the loan closing except our client. Reducing the term of the loan to the time of expected default and adding the inflated appraisal resulted in an APR significantly exceeding the legal interest limit under state law and violate applicable laws on usury entitling our client to nullification of the note, extinguishment of the mortgage, treble damages and attorney fees, in addition to the refunds, rebates and damages stated in the experts report. Based upon reports received from XXXX XXXX XXXX legal compliance division, it is apparent from filings with the Securities and Exchange Commission that the loan was table funded and that the nominal lender was in fact a stand-in for a series of parties who were not disclosed as the source of the funds, not disclosed as the recipient of fees ( including the nominal lender who may have received a fee of 2.5 % of the par value of the mortgage note ), and not disclosed as the actual lender in the subject loan transaction. Again while all of the participants at the loan closing were aware of these facts, our client was kept in the dark. Hence, our client was never notified regarding the identity, authority and regulation, charter, or registration of the actual lender. Further, it can not be determined from the filings of the referenced parties, nor the notices to the borrower, who is the current actual holder in due course, who is entitled to payment under the mortgage note, whether additional third party payments were made from insurance products that are reported to have guaranteed either the payments or the principal of the mortgage note, or whether in fact the mortgage note has been prepaid, overpaid, or any balance is owed and if so, to whom. This prevents the borrower from notifying the true source of funds ( the actual lender ) of borrower 's intent to rescind. It is our determination, based upon these facts, that the loan closing was never completed and that therefore the 3 day right of rescission was neither waived nor did it expire. Under the Federal Truth in Lending Act the appropriate party must either comply with the rescission or file a declaratory action seeking to avoid the rescission. PLEASE GOVERN YOURSELVES ACCORDINGLY. Very truly yours,
05/08/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75069	Web	Servicemember
To Who It May Concern : I am the victim of fraud of FHA lending practices and HUD violations in rela tion to a 203 ( k ) lo an issued by PrimeLending, A Plains Capital Company located at XXXX XXXX XXXX XXXX , XXXX TX with various locations throughout the United States. The following is a synopsis of the events that lead to my allegations of fraud : Duri ng XX/XX/XXXX , I began my search to locate and purchase a home in XXXX XXXX , Texas. On XX/XX/XXXX , per PrimeLendings recommendation, I entered into a Homeowner/Contractor Agreemen t ( 203K F inancing ) with XXXX XXXX , and PrimeLending provided the loan proceeds under the F ederal Housing Authority ( FHA ) 203 ( k ) loan program. Prior to closing, PrimeLending selected XXXX XXXX as the certified HUD consultant for my 203 ( k ) loan pro gram. Because of PrimeLendings longstanding relationship with XXXX XXXX and XXXX XXXX , XXXX XXXX also referred XXXX XXXX XXXX as a possible contractor. It was later learned that XXXX XXXX illegally solicited funds from certain contractors including XXXX XXXX XXXX and in return for those funds, XXXX XXXX created a 203 ( k ) con struction loan brochure that illegally recommended XXXX XXXX XXXX . Unbeknownst to me, XXXX XXXX perpetuated that illegal behavior by assuring that XXXX XXXX would be recommended for my 203 ( k ) loan program . ( XXXX XXXX is being investigated for fraud out of the XXXX XXXX of T exas ) On XX/XX/XXXX , I closed on the purchase of the Property and executed a promissory note for a loan from PrimeLending under the 203 ( k ) loa n program. After closing, XXXX XXXX XXXX began the rehabilitation process on the Property ; however, due to the inappropriate relationship and contention between XXXX XXXX and XXXX XXXX , XXXX XXXX failed to monitor XXXX XXXX work product on the Property. That is, during the Propertys r ehabilitation process, XXXX XXXX attempted to increase XXXX XXXX illegal brochure fee. At that point in time, XXXX XXXX ( owner of XXXX XXXX ) became disgruntled with XXXX XXXX and reported XXXX XXXX actions to HUD, which initiated a federal criminal investigation against XXXX XXXX . Unfortunately, I am one of XXXX XXXX victims. His case is pending sentencing in the XXXX XXXX of Texas. I notified PrimeLending of the consultants misconduct ; however, PrimeLending disregarded the improper relationships between XXXX XXXX and XXXX XXXX and failed to report any conflicts to HUD. Eventually, after an outcry, and pe r PrimeLending 's instructions, I terminated XXXX XXXX services due to their failure to complete the renovations in a timely and workmanlike manner. XXXX XXXX then filed a mechanics and materialmans lien against my Property. PrimeLending did not offer any other solution so I felt I had no choice but to enter into an agreement with them. On XX/XX/XXXX , I entered into a Settlement Agreement and General Release wherein PrimeLending credited my account {$55000.00} and agreed assignment of my rights and causes of action against XXXX XXXX . ( PrimeLending is suing XXXX XXXX XXXX ) PrimeLending then recommend that I retain the services of XXXX XXXX in order to complete the rehabilitation process. However, PrimeLending failed to obtain a construction contract between myself and XXXX XXXX and allowed XXXX to work on the project without the proper building permits. Despite not having a construction contract, XXXX XXXX began working on my property. Unfortunately, PrimeLending c ontinued to make misrepresentations, and PrimeLending c ontinued its pattern of violating HUD regulations despite my outcries . PrimeLending failed to execute a contact between myself and XXXX XXXX and compensated them from my construction loan for unperformed work regardless of my reports of unskilled labor, and proof of XXXX 's theft of physical property. On XX/XX/XXXX , under duress, I terminated XXXX XXXX XXXX due to its failure to complete the renovations in a timely and workmanlike manner. I demanded an accounting of XXXX XXXX ; however , PrimeLending f ailed to provide its accounting. Furthermore, PrimeLending paid out monies to XXXX XXXX without my knowledge or approval. PrimeLending has shut me out and made no attempt to assist or help me with my damaged property. Complaints have been filed with HUD OIG ; however, HUD advises me that the only way I can get any kind of assistance is to civilly sue PrimeLending. I have been told that a civil case against PrimeLending will cost me {$50000.00}. To date, after 4 years, the property renovations have never been completed and the property is in disrepair. I have home owners insurance, however, there could be liability issues since I do n't have a certificate of occupancy. PrimeLending has abandoned me and left me with loan payment obligations that far exceed the value of the Property. Pri meLending ha s settled a civil case against the contractor. However, they have no once contacted me regarding my 203K loan o r issues with my home. Throughout the rehabilitation process PrimeLending committed numerous HUD violations including the following : ( 1 ) failed to report HUD inspection discrepancies ; ( 2 ) violated privacy requirements ; ( 3 ) violated numerous HUD accounting rules and regulations ; ( 4 ) failed to account for change orders and receipts ; ( 5 ) failed to identify the costs of material, labor, and profit margins ; ( 6 ) failed to ensure that proper permits were obtained prior to certain renovations ; ( 7 ) releasing loan proceeds without my approval ; ( 8 ) maintaining an inappropriate relationship with contractors, including XXXX XXXX and XXXX XXXX ; ( 9 ) failed to ensure that proper construction contracts were signed between myself and XXXX XXXX ; ( 10 ) failed to obtain a 203 ( k ) c onsultant ; ( 11 ) failed to notify HUD when the loan proceeds were exhausted despite the fact that the Property had not been certified for occupancy by the proper authorities ; and ( 12 ) interfered with a criminal investigation involving XXXX XXXX These types of loans target lower income, less knowledgeable homebuyers. By XXXX XXXX own admission, he made {$400000.00} in a one year period fr om 203 ( k ) loans executed by PrimeLending. By PrimeLendings own admission, XXXX XXXX was on their short list and was consistently recommended. XXXX was also recommended b y PrimeLending and protected him knowing that he stole physical property purchased by funds from my contraction account. It appears at least with my case there is enough evidence to prove that these contractors and PrimeLending had an understanding of sorts. Not that it was wr itten or verbalized, but that it evolved overtime and each company used the other one for their own profit. I am not sure if these allegation fall within the consumer financial Protection Bureaus purview ; but if they do I am asking that these allegations be investigated and if they are found to be true, that PrimeLending be sanctioned according to federal protection laws. Evidence includes over 600 photographs ; 189 pages of text mess ages sent and received from XXXX XXXX / XXXX XXXX XXXX ; 269 p ages of text messages sent and received from XXXX XXXX / XXXX XXXX ; 100s of pages of emails sent and received from PrimeLending/staff ; and all pertinent legal documents. PrimeLending h as copies of all these documents. Thank you,
05/08/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33572	Web
My husband and I have been renting here in Florida since XXXX XXXX XXXX and the plan was to purchase a home once our lease was coming to an end. We began our house hunting process in XXXX XXXX with the expectation that we would be able to find a home, apply for mortgage and close prior to our lease termination of XXXX XXXX XXXX . We began by contacting a realtor that we had met here when looking for our rental in XXXX . XXXX XXXX with XXXX XXXX . We found a home and since we trusted our realtor at that time we asked about mortgage lenders. Our realtor was happy to provide a list of lenders that she had used in the past with other clients. One w as XXXX XXXX . My husband and I contacted XXXX XXXX , the individual suggested. We were asked to submit the usual information beginning on XXXX XXXX XXXX , taxes, etc. to obtain pre-approval. In XXXX , my husband and I met with our realtor after seeing multiple homes and decided to make an offer on a home. Now, we did not know at this time what our approval would be, however, our realtor promised us that IF WE WERE UNABLE TO OBTAIN financing we would receive our earnest money deposit back. XXXX XXXX came and XXXX requested the same information that had been sent in XXXX . Our AS IS property contract ( which our realtor stated was a standard contract ) stated that the closing was to occur on or before XXXX XXXX XXXX . By XXXX XXXX , my husband and I still had no denial or approval letter. We contacted our realtor who provided another mortgage person XXXX XXXX , with Prime Lending. At this point, my husband and I just wanted to know whether we qualified for the home or not. As suggested, we submitted our information to XXXX for her review to determine if we were able to qualify for this home or not. XXXX assured us that she would do what she could to close the house for us. We trusted that we were on the right path now that we had switched to using XXXX and Prime Lending to provide our mortgage. Needless to say, week by week went b y with no approval and no denial. We were asked every week to submit additional information. Each week we were told that " we should know something by next Monday or Tuesday ''. There were addendums changing the date from XXXX XXXX XXXX to XXXX XXXX XXXX then back to XXXX XXXX XXXX . This went on from XXXX XXXX until past the contract date of XXXX XXXX XXXX . We were told to get inspections, appraisal etc. We were told by XXXX that she was going to take our loan " to the board '' to get " special approval ''. The week of the contracted close date we still had no approval and no denial letter. We were contacted by our realtor and XXXX stating that my husband and I could rent the house from the sellers for a price that we were not told. We told them that we wanted to PURCHASE the house and not rent. Keep in mind that we STILL have not been told what amount, if any, we qualify for or that the loan could not be done. By this time, the contract had died, it was past XXXX XXXX . I contacted XXXX on XXXX XXXX and said that I did n't understand why the sellers could not have contributed to closing costs or changed the price of the house in order to make the deal. She said " I am at a cabin for the weekend, let me work on something and I will call XXXX tomorrow ''. Again, we still had no idea what we did or did not qualify for. On Monday, XXXX XXXX I contacted XXXX and asked for an update. She stated that I needed to contact XXXX . At this point, my husband and I are devastated, still have no idea what we qualify for and the idea of having to start this whole process over again is daunting. We asked our realtor to show us another house. XXXX states that she has talked to XXXX and XXXX has " worked out a deal with the sellers '' ( to t he house that has now come and gone ). We meet at a different house that my husband and I had wanted to see and we were greeted by XXXX ( even though we did not feel that she had kept her oath to keep our best interest in mind ) who was carrying the hard copy of a " great deal '' that was previously emailed to us. This " great deal '' was a mortgage loan in our name for 75 % of the purchase price and seller second that we were to pay 9 % interest to seller with promise to use Prime Lending to refinance ( {$10000.00} in 4-6 months ) AN D a balloon payment of {$55000.00} at end of 12 month if we could not refinance. When we met our realtor the evening of XXXX XXXX , she stated that " you have to sign this, you 're still under contract because this is your financing and it 's a great deal ''. I informed her that we did not have to sign anything. These documents also included another extension which we did not sign. We then requested that we receive our {$3000.00} back since we never received any approval or denial letter. After all of this, I requested an approval or pre-qualify letter from XXXX on XXXX XXXX since she had been " processing '' this loan since XXXX XXXX supposedly. The final result, which took a lot of pleading, was that we would qualify for {$300000.00}. Which obviously does not qualify us for a home of {$370000.00}. My husband and I do not have a ton of money, and had we fallen victim to the pressure to sign this " great deal '' we would have lost everything that we own. We are sincerely apologetic to the sellers of this property as it is my understanding that they knew nothing of what we were going through. We would request that we receive half of the earnest money {$1500.00} and let the sellers have the other half as they were innocent victims of this craziness as well.
07/31/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 20877	Web
First, thank you for your attention and consideration in regards to helping myself and my family with this ordeal. On XX/XX/XXXX at XXXX, I emailed our loan officer, XXXX XXXX of PrimeLending with the following concern : " Hey XXXX XXXX I wanted to reach out and let you know that one of my credit scores dropped substantially, 130 points to be precise. How is this going to affect our application? Right now, we are pre approved, our credit would have to be run again, correct? '' This was my second attempt at purchasing a home, and I did not understand the loan process whatsoever, I depended on XXXX 's expertise, accuracy, and efficiency to assist with getting myself and my family into a home this Spring. XXXX 's response was : " No it would not have to be run again. We should have the results of the Quick score on XXXX soon. This will not require me to re-pull your score for 90 days from when initially pulled. '' XXXX is my husband. I explained, as you will see in the documentation attached, that if my credit would have to be re-pulled then we would need to wait until the scores improved prior to putting an offer on a property, because of the substantial drop. Again, XXXX reassured me, " Don't give up, the SHOP ... credit worked!! '' Considering the professional we put in place to help us advised we had the green light to move forward with our home search, we did so. We put an offer and prepared to purchase a home in XXXX. Throughout the 30 day closing, XXXX had assured us that we would qualify for XXXX 's first time home buyer funds. I noticed on the website that they were out of funding until XXXX, their new fiscal year. XXXX did not notice this. He called me the next day and advised that I was correct, they would not have funds until after XXXX. But no need to worry, he assured us that we qualify for XXXX 's first time home buyer program which would provide 100 % of down payment to secure the loan. We go two weeks without hearing from XXXX. My husband and I reached out via phone calls, text messages, and emails to confirm that everything is still moving as it should. He states yes, he has an " XXXX '' with a processor at XXXX and she knows our file is coming in " hot ''. Our excitement is growing. We put in our {$3000.00} EMD to the title company which we borrowed, but was assured we would get that amount back based on the XXXX funds. We pay for the inspection and we wait to hear from XXXX and his team. They provide us with a cash to close sheet Friday prior to Closing and we send a bank statement proving we had the amount in our account to cover the closing. Four days before settlement which was scheduled for Monday XX/XX/XXXX, XXXX tells us XXXX hasn't responded and we would have to push closing back to the following Monday. Then he states that XXXX only issues checks on Thursdays, he never knew this either. Then he states they are so far behind that he still hasn't heard. On Monday, the original closing date, we receive an email saying credit was re-pulled and now we do not qualify for the XXXX down payment assistance. The same information I informed him about first on XX/XX/XXXX, at XXXX, he acts as though he never knew. He asks us what have we done to affect our credit this way, and becomes accusatory. He then states, " I have an idea! You guys come up with the {$12000.00} to close Friday, XX/XX/XXXX, and I can restructure your loan from 4.75 % to 5.675 % '' We were flabbergasted. My husband actually considered taking out his retirement to cover the down payment on this terrible loan. We asked the sellers to push back closing because the retirement check wouldn't come in until 10 business days. One day later, we decided we could not go forward with such a deal that would make us house poor. We decide to decline XXXX 's new loan. About a week after doing this, I get a call from my agent. He tells me the seller 's agent is demanding his sellers keep the {$3000.00} EMD because we bailed on our cash to close. I was confused, as we had to get out of this deal because our lender did not provide accurate information regarding XXXX or the loan he structured. My agent tells me, " The denial letter the sellers received from Primelending says different. '' We never received a denial letter. Primelending sent our personal and legally protected information to the seller 's agent, prior to sending it to myself or my husband. We were dumbfounded. We lost our {$3000.00} and were left without any advocacy. When we were not as deflated about this ordeal, we met with another lender who informed us that our rights had been violated. Our lender never should have shared personal information regarding our loan with a third party, ESPECIALLY, a third party who had something substantial to gain from it. And we also found out we never qualified for XXXX because our household income surpasses the maximum limitation for XXXX. This was our second deal with Primelending in which they made us miss out on a home. And now my family of XXXX is still ina n apartment, after being mishandled and abused by this company since our first deal in XXXX of XXXX.
04/25/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78744	Web
I closed on my house on XX/XX/XXXX with PrimeLending A PlainsCapital Company. The closing documents stated that my monthly payment ( principal, interest, escrow ) would be {$1400.00}. I've made every payment on time if not earlier than the due date. On XX/XX/XXXX I received a notice from my lender stating that due to my annual escrow account disclosure statement, my escrow had a shortage of {$1100.00}. The statement that was sent said that because originally the {$480.00} I was paying to my escrow would not be enough to cover my taxes in XX/XX/XXXX they have to raise my monthly escrow charge to {$550.00}. All together the shortage fee and the new escrow charge is raising my monthly payment to {$1600.00}. This was shocking because according to my county tax office in XXXX Texas from XX/XX/XXXX to XX/XX/XXXX my taxes went down from {$4600.00} to {$4500.00}. I filed for my homestead exemption in XX/XX/XXXX and it now shows on the XX/XX/XXXXtax office documents. I called PrimeLending that evening and tried to get an answer as to why there was a shortage and what would have caused this but the only answer they would give me is that " my taxes went up and there isn't enough money in my escrow to cover it. I now owe them {$1100.00} and they are raising my monthly escrow deposit to {$550.00} to cover next years disbursements. '' I then asked again where they are getting these numbers from and the representative repeated herself but then also read the Annual escrow account disclosure statement to me line for line. I said thank you for that but that doesn't explain where you're getting these numbers. I proceeded to say that the information they have cant be correct because the XXXX XXXX shows its lower by {$100.00}. The representative stated that " if I have documentation of this discrepancy that I could fax it to their office and they would research it and adjust it back if needed. '' The fax number they gave me was XXXX. She told me to send the documents with a cover letter attention Research department along with my loan number. She said it can take up to 20 days for them to process the new information and for my account to be updated. I took screen shots from the XXXX County Appraisal Districts website of my XX/XX/XXXXtax information and I sent these documents on XX/XX/XXXX. On XX/XX/XXXX I emailed my loan processor who processed my loan asking for her to call me because I had a few questions. She never called or returned my email. On XX/XX/XXXX I called PrimeLending again at XXXX XXXX and asked if they received my documents and if there is any update in the situation. Their representative XXXX, said they never received my paper work and that I should try sending it again. This time XXXX told me that in addition to sending the screen shots, I should also send copies of my home stead application and the XXXX XXXX XX/XX/XXXX notice of appraised value I got in the mail ( which matches the screen shots I took off their web page ). I then again asked, where are you getting this information and can you send me a copy of your documents showing why I have shortage and what proof they had to back up this increase. She then told me to " look at the annual escrow account disclosure statement they had mailed me and that it explains everything there. That is how they base any shortage or overage on account escrows. '' After this call I pulled out my closing documents and started going through them. When looking at page 2 of the Closing Disclosure I discovered that under Other Costs - section G there is a line for Property taxes and it says {$320.00} per month for 12 months which totals to {$3800.00}. That raised a flag because that didn't match anything I had from XX/XX/XXXXwhen I purchased the house or from the current tax year XX/XX/XXXX. I went back to the XXXX XXXX site and started looking at previous years. I started at XX/XX/XXXX where I found that the taxes almost matched the closing documents, they were only {$.00} apart. It appeared PrimeLending had used the wrong tax year on my closing documents. The current years tax information is available to view online in XX/XX/XXXX and our tax office mails out a hard copy of this information the first week of XX/XX/XXXX. There is no reason why the XX/XX/XXXX numbers which were a year and a half old at that time should have been used on my closing documents. I then called PrimeLending back once again on XX/XX/XXXX at XXXX and spoke with their representative XX/XX/XXXX. I asked where the property tax number came from on my closing documents, She couldn't tell me. knowing the information I had just discovered, I then asked do you use old taxing jurisdiction numbers to get people a lower payment up front on their loans and she said, yes. I said, you don't use current numbers for closing, then expect people to pay for it later? she said, sometimes. I said, now I have to pay a fee because someone either didn't do their job right by using up to date numbers or purposefully used old numbers to trick me into using their lending company? she said, that's just how it is sometimes.
05/31/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 78108	Web	Servicemember
In The matter of a loss of mitigation with Primelending , A PlainsCapital Company ( XXXX XXXX ) Servicer. Primelending , A PlainsCapital Company has purposely miscommunicated information defaulting loan modification process timeframe resulting into foreclosure. I have declared bankruptcy unfortunately it was dismissed XX/XX/XXXX. On XX/XX/XXXX I reached out to PrimeLending, A Plains Capital Company regarding and informing them of dismissal and requested a loan modification. PrimeLending, A Plains Capital Company than informed me to complete a cease and desist letter so my account can addressed. XX/XX/XXXX I reached out XXXX ( XXXX XXXX XXXX XXXX XXXX ) for assistance, creating account set up. XX/XX/XXXX XXXX via email sent over their Modification Packet. XX/XX/XXXX Completed/Uploaded Modification Packet. XX/XX/XXXX XXXX via email sent PrimeLending , A PlainsCapital Company the Modification Packet. XX/XX/XXXX contacted PrimeLending , A PlainsCapital Company. The Servicer stated they were needed more documents being the HOA, and 30 days of Pay Statements, NO SALE Date was available. XX/XX/XXXX contacted Primelending , A PlainsCapital Company regarding case review. Primelending stated the Uniform Borrower Assistance Form needed to be re-signed due to signature field signed signature was not verified. XX/XX/XXXX Primelending , A PlainsCapital Company resent the Uniform Borrower Assistance form/s to be re-done and or re-submitted. XX/XX/XXXX submitted to Primelending , A PlainsCapital Company a copy of State Drivers License and Completed & signed Uniform Borrower Assistance Form. XX/XX/XXXX contacted PrimeLending , A PlainsCapital Company requesting Uniform Borrower Assistance Form again, Hardship letter printed and signed, HOA statement and Agreement. Also, requested new Uniform Borrower Assistance Form they were going to send via USPS that could take 7-10 days to receive. XX/XX/XXXX contacted PrimeLending , A PlainsCapital Company regarding review and they requested : another copy of Quit Claim, Divorce Decree, HOA statement which was submitted same day. XX/XX/XXXX received certified letter regarding the foreclosure/sale date XX/XX/XXXX contacted Primelending , A PlainsCapital Company and was advised to sign and complete a XXXX tax form and short sale form which was completed and submitted same day with copy of ID. XX/XX/XXXX contacted Primelending , A PlainsCapital Company which they requested for my Ex-Wife, which resides in Alaska in a separate household to complete a separate Uniform Borrower Assistance Form. Primelending , A PlainsCapital Company stated they would overnight this form to home address for it to be done on a timely manner in which the form was not overnighted. XXXX delivered package with Uniform Borrower Assistance Form on XX/XX/XXXX. XXXX label showed this package wasnt sent out until XX/XX/XXXX a day later than said by Primelending , A PlainsCapital Company. XX/XX/XXXX submitted to Primelending , A PlainsCapital Company a completed Uniform Borrower Assistance form. XX/XX/XXXX - contacted Primelending , A PlainsCapital Company which said they had no update but verified Uniform Borrower Assistance Form was received and would be uploaded to file and the packet was now 100 % complete for review. All signatures complete. XX/XX/XXXX - contacted Primelending , A PlainsCapital Company which now stated the did not have Uniform Borrower Assistance Form on file. Primelending , A PlainsCapital Company researched their database locating the form escalating the call to a supervisor. XX/XX/XXXX - contacted Primelending , A PlainsCapital Company which they said the Packet was incomplete due to a timeframe of 14 day window as well as missing form. Primelending , A PlainsCapital Company now stated they needed a Uniform Borrower Assistance Form with both on same form. Which this was not said until XX/XX/XXXX. The Supervisor than proceeds to say Primelending , A PlainsCapital Company has closed the file and there is nothing they can do at this point. The agents on this call were : XXXX # XXXX XXXX # XXXX I feel Primelending , A PlainsCapital Company purposely prolonged file review requesting same paperwork over and over again to take my home. I have contacted a lawyer regarding this matter due to falsified and or miscomunication on Primelending , A PlainsCapital Company.
02/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21037	Web
I received a letter from my mortgage ( Prime Lending ) company 's servicer ( XXXX ) saying that their records say that I do not have hazard insurance. I submitted my proof of insurance on XX/XX/XXXX via their online portal. I got a second and final notice letter on XX/XX/XXXX saying that they did not have record of hazard insurance. I called immediately and spoke to XXXX at XXXX XXXX and she told me that had my proof of insurance and no additional information was needed. I asked her if it was a problem that I had two addresses. My tax and mortgage address is XXXX XXXX XXXX but my USPS mailing address is XXXX XXXX XXXX. She said no, there are no more problems and no more information is needed from me. I got a 3rd notice in the mail on XX/XX/XXXX saying that since I did not send in my proof of insurance that XXXX ( my mortgage company ) purchased insurance for me and charged my escrow account {$2500.00} I called and spoke to a supervisor named XXXX on XX/XX/XXXX at XXXX AM. She said that my insurance policy in on XXXX XXXX XXXX but they have my address as XXXX XXXX XXXX and that is why they can't verify coverage. She said if the insurance address is changed the problem will be solved. I spent my morning on the phone with 3 different insurance agents ( including my current one XXXX XXXX ) and non a single one of those companies was able to insure the address XXXX XXXX XXXX because it is not a valid USPS address, they all only listed XXXX XXXX XXXX. I pulled up a copy of the deed to my home and the address is listed as XXXX XXXX XXXX aka XXXX XXXX XXXX. I called XXXX again on XX/XX/XXXX and spoke to XXXX and she told me to email in the copy of my deed and call back in 24 hours. I called back in 24 hours and left her a message and received no response from her. I called XXXX again on XX/XX/XXXX I asked for a supervisor, sat on hold for 27 minutes and then was transferred to a voicemail. I left a message and did not get a call back. I called again on XX/XX/XXXX, explained my case again and then was hung up on. I tried using XXXX 's online chat on XX/XX/XXXX, they asked me to submit the deed to their email address and they would take care of it. Nothing happened, no response back no resolution. I called on XX/XX/XXXX and spoke to a rude lady who wouldn't even tell me her name or phone extension. I was transferred to a supervisor named XXXX and she sent an email to the insurance department. She told me everything was fine with the deed I submitted and that if I called next Tuesday the system would show my insurance coverage. I called back on Thursday XX/XX/XXXX ( I was busy Tuesday but figured 2 extra days would help anyway ) I spoke to a supervisor named XXXX, she said she was going to call the insurance department and assured me that she would call back by the end of the business day. She never called back. I called XXXX on XX/XX/XXXX at XXXX XXXX, I asked to speak to supervisor XXXX. The agent said she emailed XXXX to see if she was available. She said XXXX was available and that she would transfer me. I sat on hold for 1 hour an 2 minutes before calling CENLAR back on my wife 's phone. I explained to this person that I was very frustrated an needed a supervisor. I spoke to supervisor XXXX. XXXX told me to email her at XXXX and include a copy of the deed, a copy of my insurance policy and a short explanation of the two address problem. She told me it would be resolved by the end of the week and that she would call me. I have absolutely no faith that this will be resolved after this phone call. I've been told so many times that these people would call me and resolve this problem and they have not. It is now nearly XXXX, they've charged me {$2500.00} in home owners insurance when I already have a policy that I paid for. This charge should never have been made. The situation is still not resolved. I'm certain that if they even do resolve it that they will not give me a full refund on this policy which is completely unacceptable. It is completely not my fault that this has not been resolved. I have responded to every single letter from them immediately. I've spent HOURS with them on the phone and they don't do anything. Currently they still don't think I have homeowner 's insurance. Please help me with this mess.
06/09/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 75070	Web
I XXXX made contact with XXXX XXXX from Prime Lending in XXXX, TX on XXXX/XXXX/15. XXXX has asked for a letter in reference as to why we had to short sale so he could turn this into his " top '' underwriter to see if we even had a shot. This was emailed the same day and he was unable to open it so a copy of it was faxed on XXXX/XXXX/15. He called me on XXXX/XXXX/15 to say he needed to have all docs together from the list on his website to give to him such as paystubs, bank statements, tax info, etc. as the underwriter was unwilling to look at anything without it. I went to his office on XXXX/XXXX/15 to personally hand everything to him and he made copies as I always make sure incase someone loses something I do not have to reprint. On that same day XXXX then wanted us to do a loan application and disclosures, etc. This was faxed on XXXX/XXXX/15. I called occasionally in reference to our pre-approval and I finally heard from him on XXXX/XXXX/15 and he said the underwriter had pre-approved us for the amount we were looking for-dated on XXXX/XXXX/15. When asked what we will need to do once we find a house ; an address-sales contract, appraisal and if it is over 3 months, new statements, credit reports, etc. He first emailed me a pre-qualification letter in which I called him back asking him why it said that and not a PRE-ARPPROVAL. He turned around and send a PRE-APPROVAL letter and applogized, as this is why I turned in all docs prior to us looking for a house. We started to look for a house but in the meantime I had asked XXXX a question in reference to XXXX. I had left several messages until I reached him the end of XX/XX/2015 and states it was to roll out XXXX/XXXX/15 but it had been postponed and he would get back to me in the next week or so. Time went by and no call. I then attempted to call XXXX XXXX around the XXXX, XXXX and XXXX of XXXX with no luck. At this time I was fed up. I asked for his supervisor XXXX XXXX to call me on XXXX/XXXX/15 to ask for a new loan originator as XXXX never returned calls, etc. XXXX/XXXX/15 XXXX called and he stated at this time that it appeared it never went to underwriting as he does n't even see the documents that I gave XXXX. He was going to look into this further but in the meantime he had sent my information to a XXXX XXXX whom would be my new loan originator and she would call me. She called me on XXXX/XXXX/15 and told me XXXX was looking into the application and she was unable to access XXXX files. On XXXX/XXXX/15, XXXX emailed me and responds to question on a house we were thinking of bidding on. She responded to tell me the her supervisor, XXXX, he was able to recover our credit documents ( never stated about the papers I personally gave XXXX on bank statements, etc. ) and was trying to find the confirmation of the underwriting review. Later she called and she requested another set of bank statements, paystubs, etc and ANOTHER loan application as no one could locate the ones I personally handed to XXXX XXXX on XXXX/XXXX/15. All of this was faxed to her on XXXX/XXXX/15 as well as a letter of explanation that she requested as that was not located either. A total of XXXX pages were faxed to her that day. She confirmed she received this and stated her and XXXX will try and expedite this as to the previous problems we had. On XXXX/XXXX/15 XXXX called and congratulated us on the pre-approval and states it is conditional approval on the house we find now. I had n't received an email from her by XXXX so I emailed her and asked for the pre-approval letter. She sent email congratulating us on the loan qualification and sent an attachment XXXX pre-approval. I thought we were all good again! On XXXX/XXXX/15 XXXX called me and stated that the underwriters wanted a copy of my previous taxes not provided and if I could sign another doc to do this. WE ended up being denied after a pre-qualification XXXX. We have been treated unfair
01/01/2017	Yes	Mortgage Other mortgage	Credit decision / Underwriting	MS 391XX	Web
XX/XX/XXXX I closed on a home in which the loan was originated by Prime Lending. Prime Lending was negligent in performing due diligence in relation to this loan. Prime Lending were not thorough in the process of this loan and failed to inform me of major changes in a timely manner as well as explain to me the implications of certain matters. I was very naive in the process of this loan and had no one that had my best interest in mind. I have been affected financially by the lack of due diligence in obtaining a clear picture of the true condition of the property. Prime Lending approved and passed through underwriting a property that does not meet guidelines for FHA, Fannie Mae, nor USDA rural guidelines. The property was being sold as is and was built XX/XX/XXXX with no updates done in the past 20 years. Throughout the process I consistently inquired of the originator about money being rolled into the loan to cover needed repairs. He ensured me that it was possible as long as the house appraised for more than the contract price. The appraiser did not report any needed repairs. My home owner insurance was canceled due to repairs that the insurance company requested be taken care of. When I inquired about the fact that no needed repairs was reported, I was told that it only makes the loan look better in underwriting. ( copy of text messages enclosed ) I was informed the day before closing that the amount of insurance required on the home increased and that the current insurance company was unable to quote a price that could be approved. That insurance company came to look at the property and take pictures after the closing. That company sent a notice of cancellation pending repairs. They dropped the coverage, I went back to the initial company who also cancelled the new policy due to conditions of home. This change affected the escrow causing an increase in monthly payments. The appraisal reported a water treatment plant on the property, however the disclosure statement provided by seller indicates a septic tank. I was unaware of the difference between the XXXX until I received a notice from the State Health Department. Initially the property was XXXX acres and was divided to sell the house with XXXX acres apart. The pipe from the septic tank on my property ran over onto the other property and was bust by the people who bought the remaining XXXX acres a few months after the closing on my loan.Waste from the pipe from the septic tank was flowing out onto their property which initially was all XXXX property. I received a letter from the Mississippi State Health department that I was not in compliance with the waste water act. ( attached ) I was responsible for installing a water treatment plant, which could have been rolled into the loan had Prime Lending performed proper due diligence and requested the proper inspections and reports. The appraiser suggest that an environmental inspection, however, Prime Lending did not follow through with the suggestion. I found out that I was pregnant the day prior to closing. XXXX. There were fumes in the house due to the back up of the septic tank. The fact that the home was 47 yrs and being sold " as is '' and the discrepancy on the appraisal report of a water treatment plant verses the disclosure statement that there was a septic tank should have been reason enough for Prime Lending to ensure due diligence in the condition of the property. They simply added a hold harmless clause that was presented on the day of closing. I had a mold inspection done that revealed an elevated level of mold. ( attached ) The property was appraised at XXXX acres. I was informed on the day of closing that it was only XXXX acres. There was no adjustment for this change in acreage. The information that was provided to the USDA underwriting was not accurate and fraudulent
10/14/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 786XX	Web
On XX/XX/XXXX, we received a closing disclosure stating we owe {$75000.00} cash to close on our mortgage. We agreed to these terms. On Thursday late afternoon, I received a call from XXXX XXXX with Jet Home Loans stating title made a mistake on a fee, but she would let us know as soon as possible if and what the change in cash to close would be. Of Friday, XX/XX/XXXX, we received a secure message from XXXX XXXX stating we owed an additional {$900.00} three days prior to closing so a total of {$76000.00}. As a result in being told the issue was with title, we contacted XXXX XXXX with XXXX XXXX to request where the error existed. We were told the issue was it was not a title error, but a lender error in the prorated taxes paid to the builder. Specifically, she stated the error was in the taxes paid to the builder for the time we will be in the house for XXXX ( XX/XX/XXXX-XX/XX/XXXX ). She also stated there was a {$140.00} closing cost fee that was added. XXXX response was : The XXXX Tax Bill was used throughout the entire process & on all disclosures as this was what is most recent. 1. The final disclosure was approved Wed. XXXX ( XX/XX/XXXX ) and sent out Thursday XXXX ( XX/XX/XXXX ) to XXXX & XXXX at XXXX. 2. The New Tax Assessment just happened to post on XXXX attached. 3. This was caught immediately and the taxes were readjusted per the new tax bill that was posted XX/XX/XXXX. 4. Final Figures were redone & sent out to XXXX & XXXX with the corrected taxes Friday XXXX at XXXX. This variance is due to the new tax bill being posted by the county the same day the file was being worked on and when we were notified of the new tax amount. The figures were immediately adjusted. ( email correspondence on XX/XX/XXXX ). Upon reviewing the closing disclosure for XX/XX/XXXX and the Final Closing Disclosure for XX/XX/XXXX, The proration in taxes of {$4000.00} was on both documents. We challenged XXXX numerous times as to why there is a {$900.00} difference if the taxes are correct on both documents. Her response verbally was that there was a sellers reduction in credit. She said that they had to remove some of the seller credit to make up for the proration in taxes. After an hour of stating my husband and I did not understand, her branch manager XXXX XXXX got involved and stated it was not a tax issue, but they clerically messed up on the document. Specifically, they put a seller-paid credit of {$760.00} and charged us with an additional {$140.00}. He stated Jet Home Loans would pay that fee, but he can't remove the {$760.00}. We have fought over what was first told to us as a " title issue '', then changed to a " tax issue '', then a " seller reduction in credit issue '', and is finally admitted to a " clerical error ''. At one point, I even questioned the integrity of what was told to us. Jet Home Loans is not willing to take ownership of the entire clerical error because we were told " we have the best rate out there and can't go lower ''. Although we have agreed to buy down the rate, we should not have had to spend 5 hours today questioning the final closing document and being told several different reasons as to why the close to {$1000.00} occurred three days before closing. It is now Sunday, XX/XX/XXXX, less than 24 hours prior to closing, and we do not have a closing disclosure. Nobody from Jet Home Loans will return our emails. We have also contacted XXXX XXXXXXXX XXXX as they have chosen Jet Home Loans as their preferred lender. We need to review the document prior to closing because there has been so many fees added and removed. I honestly feel there is an integrity issue as well. We have email documentation for all of this correspondence. We have no clue where to turn now and we are afraid we will delay our closing tomorrow.
02/03/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	MA 02140	Web
In shopping for a mortgage on our first home purchase, we were contacted by XXXX XXXX, a loan originator with Prime Lending in late XXXX, 2016. XXXX XXXX offered us 2.625 % interest rate on a XXXX ARM, XXXX % down with a principal of $ XXXX. We were also offered {$2000.00} off our closing costs as part of the Homes for Heroes program, which offers discounts to XXXX like myself. We locked in with this rate of 2.625 % on a XXXX ARM on XXXX2016. We signed to the following loan costs on XXXX2016 : ORIGINATION CHARGES {$1700.00} LOAN ORIGINATION FEE {$560.00} PROCESSING FEE {$590.00} TAX SERVICE FEE {$80.00} UNDERWRITING FEE {$490.00} WIRE FEE {$35.00} Over three weeks later, days before XXXX, XXXX XXXX called us with an " issue '', claiming that XXXX, the chosen lender, would not issue ARMs to first time home buyers. With our closing date less than three weeks away, we did not have time to start over with a new mortgage broker and repeat the inspection, appraisal, and necessary documentation with another lender. XXXX XXXX put us in a position where we felt forced to follow his instruction or would otherwise lose our home purchase and {$36000.00} deposit. At this point, interest rates were on the rise post-presidential election, upwards of 3.5 % on a XXXX ARM. XXXX XXXX/Prime Lending offered a XXXX ARM through XXXX XXXX at 3.5 %, which could be bought down to 2.75 % with points, of which Prime Lending claimed to pay half. We felt forced to sign this new loan estimate in fear we would otherwise lose the home purchase. Our original lock rate at 2.625 % was not held up by Prime Lending, and now we were in a position to pay more money, and points, for a higher rate. On XXXX2016 we signed the following loan estimate : LOAN ORIGINATION CHARGED {$9400.00} XXXX % of Loan Amount ( Points ) {$5300.00} LOAN ORIGINATION FEE {$2800.00} PROCESSING FEE {$590.00} TAX SERVICE FEE {$80.00} UNDERWRITING FEE {$490.00} WIRE FEE {$35.00} The loan origination fee from the original XXXX16 estimate was {$560.00}, the new estimate has a loan origination fee of {$2800.00}. In addition, the {$2000.00} Homes for Heroes bonus that was originally offered was not presented to us. Prime Lending/XXXX deceptive mortgage loan process cost us over {$9000.00} and a higher interest rate than what was originally signed. In sum : This was a deceptive bait-and-switch on the part of XXXX XXXX and Prime Lending. The original 2.625 % on the XXXX ARM that we signed XX/XX/XXXX was not honored. As a loan officer, XXXX XXXX should have known that he could not offer a 2.625 % rate on a XXXX ARM ; he should n't have offered this product in the first place. His negligence cost us over {$9000.00} and a mortgage product we did n't want. In the end, Prime Lending should have paid down the points in full to make us right. We expect Prime Lending to return to us the {$5300.00} in points and the difference from the original loan origination fee, {$2200.00}, for a total return of {$7600.00}. We should not have to pay {$7600.00} for an inferior mortgage product and unfair practice. This mortgage loan process caused significant hardship for our family. We risked losing our home, our {$36000.00} deposit, and were led down a deceptive path of changed circumstance and increased fees, for which we should not be responsible. We expect Prime Lending to pay us the {$7600.00} that we deserve to have returned.
03/26/2015	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	TX 75056	Web
I APPLIED FOR A MORTGAGE LOAN IN XXXX WITH PRIME LENDING AND RECEIVED MY PRE-APPOVAL LETTER FOR {$250.00}, XXXX. I FOUND A PROPERTY AND I OPENED ESCROW ON XXXX XXXX, 2015. I FURNISHED MY LOAN OFFICER WITH ALL PERTINENT DOCS NEEDED TO CLOSE ESCROW. HE DECIDED HE WOULD USE MY JOB AND XXXX MONEY TO QUALIFY WITH ME FOR THE HOUSE. I TOLD HIM THAT I HAVE A SECOND JOB, XXXX, THAT WOULD BE MORE MONEY AND CONSIDERED CONSISTENT RATHER THAN MY XXXX. HE REPLIED BY SAYING THAT THE XXXX BECAUSE IT WOULD HOLD MORE WEIGHT THAN MY XXXX JOB. I SAID OKAY BUT DID NOT AGREE WITH THAT DECISION. ESCROW 'S CLOSING DATE WAS TO BE SET FOR XXXX XXXX, 2015. ON FRIDAY, XXXX XXXX, 2015, A XXXX PRIOR TO CLOSING, HE TOLD MY REAL ESTATE AGENT AND ME THAT EVERYTHING WAS GREAT AND THAT UNDERWRITING SAID EVERYTHING LOOKS GREAT AND WE WILL CLOSE ESCROW ON XXXX XXXX, 2015. ON MONDAY, XXXX XXXX, 2015 HE EMAILED MY AGENT AND I STATING THAT IF I DID NOT GIVE MORE INFO ON MY XXXX TO SHOW CONSISTENCY THAT THE DEAL WOULD BE OFF. HE KNEW THAT I GAVE HIM ALL OF THE INFO. I GOT ALL MY PRINTED MATERIALS FROM THE XXXX IN CALIFORNIA WHO ISSUE THE CHECK TO MY ACCOUNT FROM MY EX-HUSBAND 'S XXXX WAGES. HE KNEW ALL THAT INFORMATION AND HE ACCEPTED THAT ABOUT XXXX WEEKS BEFORE THE CLOSE OF ESCROW. I WAS VERY TRANSPARENT WITH HIM. I WAS SHOCKED TO HEAR THIS. I CALLED HIM AND ASK WHAT IS HAPPENING THIS IS NEW AND HE HAD ALL THE STATEMENTS IN HIS POSSESSION. HE SAID UNDERWRITING SAID THAT. I TOLD HIM THAT IS THE REASON WHY I SUGGESTED USING MY XXXX JOB OR MY XXXX JOB. I EXPLAINED THAT IF MY EX-HUSBAND DID NOT WORK ; I RECEIVE NO MONEY. HE HAS N'T BEEN CONSISTENT. I ASKED HIM TO PLEASE USE MY XXXX JOB. HE SAID OKAY. HE CALLED ME THE NEXT DAY SAYING THAT THEY REWORKED IT SO THE LOAN CAN NOW BE APPROVED. THAT WEDNESDAY, XXXX XXXX, 2015, HE TOLD MY AGENT THAT THE LOAN WAS DENIED. HE DID NOT INFORM ME. I HEARD IT FROM MY AGENT. HE FORWARDED MY AGENT THE INFORMATION AND THEN IN A LATER CONVERSATION, MY AGENT FORWARDED ME THE MESSAGE. WHAT A MESS. IN A SCRAMBLE, MY AGENT SOUGHT A XXXX OPINION AND ASKED ME TO SEND ALL MY INFORMATION TO A XXXX LOAN OFFICER. I ASKED FOR MY COMPLETE DOCUMENTS FROM PRIME LENDING AND IT TOOK THEM FOREVER TO GRANT ME THAT REQUEST. THE NEW LOAN OFFICER TRIED SO HARD BY EVEN GOING UP TO HIS CEO BUT HE SAID PRIMELENDING HAD ALREADY FLAGGED ME AND HE COULD NOT DO IT WHICH WAS A SHAME. HE STATED IF I HAD GIVEN HIM THE LOAN PAPERS FIRST, THAT HE WOULD HAVE GOTTEN THE LOAN FOR ME BUT NOW IT IS TOO LATE. WITH THIS DECISION, I LOST THE HOUSE AND MY EARNEST MONEY. PRESENTLY, I HAVE NO WHERE TO LIVE BECAUSE I GAVE UP MY RENTAL AND NOW THE LANDLORD HAS A NEW TENANT. MY FAMILY AND I WILL HAVE TO LEAVE BY THE END OF THE MONTH. THIS TRANSACTION WAS SUCH A DISASTER AND THERE WAS SO MANY UNPROFESSIONAL MOMENTS. I AM SO DEVASTATED.
04/21/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28025	Web
I have been working with Mr. XXXX XXXX from Prime Lending in XXXX XXXX Texas on and off for almost a year. I just recently set up an account online with Prime Lending to start my home buying process on XX/XX/2020. In the past 45 days MrXXXX XXXX applied for a mortgage loan WITHOUT my permission on XX/XX/2020 as I simply asked him to run my credit report so we can get an idea of what needs to take place on my end. That caused my score to drop XXXX points after being raised XXXX. I reached out to all three credit bureaus and was told by them after being on hold for more than a hour each time that he, XXXX would have to reach out to them along with Factual Data to have the hard inquiry removed. I called and texted XXXX. He admitted to what he had done and said hes never heard of an inquiry being removed because of the loan officers mistake and said he would fix the issue to get me a home loan. I then received an email from him to set up an account which I did. At this point I am livid as Ive worked really hard to save money and build my credit so that I can buy a home for my son and I! On Friday, XX/XX/2020 I reached out to XXXX because he said there was a dispute on my report and it would take 10-20 days to resolve. It had been 10 days and I wanted to know if there was anymore info he needed from me to assist with the process. Mr. XXXX responded with credit scores that do not belong to me, what I needed to do to bring those scores up and someone elses SSN via text message ... .. I called him immediately as I refused to send my SSN back with correction. He answered the phone calling me by someone elses name as he had our information intertwined. Mind you, I personally know the lady of the SSN that he sent me. I have yet to speak with her about this as Im trying to get my issue resolved. XXXX said the dispute still hadnt been resolved and it would take 21 days which in fact it had as I paid {$29.00} to have my report pulled again to check for myself. He tried to cover himself again, but I can not run the risk of working with him any longer. This may have very been a mistake, 2 too many in fact and I have asked him to close my account with Prime Lending via text message so that I have documentation. I reached out to his Branch Manager on Sunday XX/XX/2020 as I felt it would be best to contact them directly instead of filing a corporate complaint or contacting the XXXX. XXXX XXXX, his manager contacted me back and we spoke on Monday XX/XX/2020. She emailed me a copy of my credit report and stated that I must have authorized the request when in fact there are four pulls on my report from Factual Data. Legally I only only authorized the one. She also stated that she would get in touch with Corporate regarding my request to have the Hard Inquiries removed.
01/05/2017	Yes	Mortgage Other mortgage	Credit decision / Underwriting	NY 11040	Web
I applied for a construction loan with a loan officer, XXXX XXXX. He was recommended by the builder we were using to build a modular home. XXXX XXXX was working for a bank out of XXXX and I met him in a basement to submit the application. After a few weeks, XXXX left the XXXX company and began working for Prime Lending -a Texas based company. He took my financial paperwork ( and never gave the copies back to me ) to the new bank promising it would be a better experience. Come to find out that the builder is not truly a builder and has no funds to pay contractors. Prime Lending does not vet their builders properly. The bank would not release any deposits to the contractors and the contractors would not work without money so I was forced to liquidate my XXXX to lay out funds to pay for work prior to the construction loan paying. I also found out they were advancing funds to the builder without my knowledge of what the funds were being used for and the builder 's contractors did not work on the house for months causing delays. during this time, I was requesting rate quotes daily as XXXX XXXX said there are 6 month rate locks. After a few days of emailed quotes. he stopped quoting me. He said getting rates thru his system was difficult. He never called me- never followed up even after rates started to climb.The whole reason for doing the end loan with them was to save the XXXX mortgage tax that I paid when I closed the construction loan. That was the carrot used to get me to do my permanent financing with them. I called XXXX manager, who did nothing, I contacted Prime Lending customer service and after 30 days of not a call or email back, I just emailed them and they turned me back to the loan officer for rate quotes. I believe Prime lending dropped the ball with quoting rates, I believe the builder and the loan officer are in collusion and Prime is responsible for not vetting the builder to see he had no funds to build a house. Their complaint department does not seem to take this complaint seriously. I would like to have my mortgage tax assigned to my new bank due to having to do all my own leg work, and the bank not quoting me rates in time to lock in to something reasonable - as rates have increased dramatically- was this a ploy as well. Their customer service rep ignored my request for assistance. I asked when his response would be and he said give him 30 days. It was after 30 days when I emailed him back to ask what was going on. The same situation was happening with XXXX XXXX. I only got rates when I prodded him. There was little communication and I believe I need to get this out to you so that no other " customer '' will go thru the experience I am presently trying to get thru.
01/11/2017	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	CA XXXXX	Web
On XXXX/XXXX/XXXX I was introduced to and contacted Prime Lending Mortgage in XXXX, XXXX. The loan officer I specifically worked with was XXXX. From the start all was well I did everything I was instructed to do in order to get fully qualified by underwriting for the FHA funding. This process of getting a payment installment agreement took about 6 weeks and I had to provide one letter from a child support agency. The problems started when I was instructed to pay the IRS {$200.00} per month when the actual agreement was {$100.00} per month. In short after being fully qualified in underwriting myself and y agent made an offer on a property. The offer was accepted and Escrow was opened with me putting a deposit of {$1000.00}. I was told to use my credit cards for the appraisal, home inspection and termite inspection. On XXXX/XXXX/XXXX i was emailed TRID Milestone was met and Closing Disclosure were ordered and I signed the same day.Things seemed to be moving forward smoothly via email but I never really spoke to anyone at Prime Lending after several requests for phone calls for guidance through this process. As we moved close to the closing date I began to get many questions that were very unprofessional. I have emailed requests for my sons birth certificate, social security card, receipts from XXXX up to XXXX, air flight tickets, motel room receipts and many personal items that had nothing to do with my loan already being fully approved in underwriting. XXXX specifically stated that my address was an issue and or credit when they had already approved me 50 days prior. This was a very unprofessional experience. I 've lost thousands of dollars in time and clients. This company lied to myself and the seller of the property and somehow had no solid excuse for denying my loan after being fully approved. In an email from XXXX it is stated that I will be fully refunded and so far I have not heard from anyone on staff and my calls or emails are not being responded to. My credit has been destroyed do to the instructions of this institution to close XXXX of my credit card accounts in which I later leaned was not legal or professional advise. Prime Lending in XXXX XXXX used an excuse of me having ownership in a property in XXXX XXXX XXXX that I lived in for 8 years as an excuse to say that why I was denied. I was not able to prove to them that the property was not mines nor should I have had to produce such documents when the lending company could have checked for themselves. There are so many things that happened that wronged myself and my rights that I can not put it all within this complaint but I am seeking legal information on how to proceed in filing a civil matter for discrimination.
10/10/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI 481XX	Web
When I originally signed my mortgage agreement ( a 30 year fixed rate FHA loan XXXX, I was given an estimated monthly payment of {$1400.00}. Of this amount, about {$820.00} was principal and interest and the rest was escrow XXXX property taxes, insurance, mortgage insurance, etc. ). Both my mortgage agent and the mortgage originator were aware that my property taxes would be adjusted based on the selling price and I was told that the {$1400.00} was an accurate estimate based on all available information at the time of closing. As it turns out, this estimate was very far from being accurate. After being in the house for approximately 1 year, I was told that my monthly payment would be going up by {$30.00} per month. I was not happy about this, however, I understand that it is not always possible to accurately estimate expenses so I paid it without complaint. Then about 1 1/2 years after closing ( which was about a month ago ) I received a letter saying my monthly payment would be going from {$1400.00} to {$1700.00} per month, primarily due to higher property taxes. This was upsetting for several reasons. First, I can not afford to pay an extra {$240.00} per month for home. Secondly, the property taxes due for 2015 were based on the selling price of my house XXXX not a higher value ) and this was known when my original escrow was calculated. Third, when I called my mortgage service noone ( not even the " operations manager who I waited on hold for 30 minutes to talk to ) could explain how this outrageously higher escrow amount was calculated. All he could say is " Well, it looks like your property taxes went up. '' When I explained that my mortgage company knew they would go up and by how much when my original monthly payment was given to me he had nothing to say. To me, this seem like a classic " bait and switch '' tactic by the mortgage agent, the mortgage originator or both. I say this because all of the information needed to give me an accurate estimate of my monthly payment was available when I closed on my home. Instead of providing accurate information, they ( apparently ) estimated my escrow based on property taxes that they knew were lower then those that I would have to pay. I am shocked and want to know if this is legal and XXXX if so ) how it could be so. After all, all other types of installment payments ( that I am aware of ) require an accurate disclosure to the consumer of their monthly payment obligation. After all, if this is not provided how can the consumer determine if the home is affordable or not when they make a 30 year debt obligation. Thank you for your time and I look forward to your response.
03/19/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 79707	Web
My husband and I applied for a mortgage in XX/XX/2017 through PrimeLending for an investment property we were wanting to purchase. D We were given XXXX XXXX 's information to use him as a lender and got the pre-approval letter on XX/XX/2017. Upon applying for the mortgage, XXXX was informed that I had purchased a new car in XXXX and it had not yet hit our credit report. He stated that it would not be a problem and to go ahead and proceed. We signed a contract with the seller and ordered appraisals and inspections. After appraisals and inspections came back clear my realtor asked if we would like to close 2 weeks early. Everything had gone smooth so far so we figured it would be a green light to close. XXXX informed us that he needed to see our down payment for the house in our bank account. We were withdrawing from a 401k in order to partly fund our down payment. ( $ XXXX ) and we sold a vehicle ( $ XXXX ) to fund the other half. My husband cashed out his 401k and we sold the car to have the est. $ 40k in the bank account. At this point XXXX passed us off to his assistant to finish the closing. This drug on for an additional 3 weeks. An old collection account was on our credit report and I had disputed it years ago. I was told the account would have to be paid and the dispute removed. I spent 4 days working on that to get it taken care of. On the date we were originally supposed to close PrimeLending was still asking for documents from our 401k 's. We had to push closing off another week. I asked his assistant numerous times if this was a go. I did not want to cash out our 401k if this loan wasn't going to go through. I was assured by her, XXXX XXXX himself and our realtor that everything was fine. The week we were finally set to close, I get a phone call from my realtor informing me that our file had gotten passed off to another lender to try and approve but that she couldn't get it done either. Upon further talking to my realtor, she informed me that XXXX XXXX didn't run the initial pre-approval as an investment property, but as a primary residence. They both informed me that had they run the pre-approval as an investment property to begin with, the dispute would have a flagged and we wouldn't have been pre-approved at all due to our debt to income ratio. We have acquired fees for the inspection and appraisal, we are out the earnest money and our option money along with several thousand dollars in extra taxes for withdrawing our 401k 's out. I feel like we followed every step required of us and had this been done correctly to begin with, we wouldn't be out this money.
03/03/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NC 27203	Web
I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me.
08/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	FL 32224	Web
My husband and I were directed to Prime Lending located in XXXX XXXX, Florida via XXXX XXXX XXXX. We were pre-approved for our new construction home for approximately {$490000.00} by XXXX XXXX. We signed our contract, obtained all documentation that she requested and again were told that everything was on track for a late XX/XX/XXXX closing. A stipulation win prime lending was that we were required to sell our home. We placed our home on the market and accepted an offer within one day. We pushed closing out approximately two months and finally closed on our home XX/XX/XXXX. One thing that we made very clear to XXXX XXXX was that we want to ensure that there would be no stipulation or reason that we would not be able to obtain a mortgage for our new home. She assured us over and over again that things were fine. We had agreed to place 20 % down on our new home. We disclosed at the start of this process that I had a short sale in XX/XX/XXXX. My husband and I were both very skeptical in the beginning because we had done our research and many lenders stated that we had to wait XXXX years for FHA and four years for conventional after a short sale. When this was brought to XXXX attention, she stated that there would not be a problem. We placed out trust and our families future in her. We have XXXX young children and our biggest concern was uprooting them from our home and end up having nowhere to call home. On XX/XX/XXXX we closed on our home. On Sunday XX/XX/XXXX I opened my mail and found a letter dated XX/XX/XXXX that my husband and I were denied for our loan. You can imagine our surprise. XXXX XXXX never contacted us and in tern we sold our home and have no idea where we are going to take our XXXX and XXXX year old children. When we attempted to reach out to XXXX XXXX the next day, she avoided out phone calls and emails. It was n't until XXXX days later when she finally contacted my husband. She informed him that she was aware that we were denied on XX/XX/XXXX but did n't tell us because she " did n't want to ruin our weekend. '' Had she given us the professional courtesy when she found out that we did not qualify, we never would have sold our home. I feel that she was very unethical with us and failed to disclose multiple stipulations with obtaining a mortgage after a short sale. In my opinion, she should have known about these regulations and disclosed to us right from the beginning. We never would have proceeded with the purchase of a new home.
12/29/2017	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 441XX	Web	Servicemember
RE : Credit Discrimination Complaint. RE : Prime Lending co XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX Date : XXXX. How are you? This is a written consumer complaint of Credit Discrimination against Prime Lending Corp.office in XXXX OH.. Former XXXX. XXXX is an XXXX XXXX veteran of th XXXX XXXX XXXX. He applied for a small VA backed loan ( {$8800.00} for a property in th XXXX ohio area ). A fixer-upper. This property listed for {$11000.00} but Veteran has {$2200.00} downpayment. XXXXThe Veteran also has VERY stable income of over {$1200.00} from a Federal Agency ( XXXX XXXX XXXX ) AND Over {$16000.00} in checking account. Prime Lending Rep would not even allow this Veteran a Loan Application? Just turned down loan application request based on a PreQualification?? XXXX XXXX XXXX Veteran had over {$2200.00} to put down on closing costs downpayment etc ; but was not given application by PrimeLending rep because of a " debt that has a zero payments due balance '' .... attached to it by the XXXX XXXX XXXX XXXX. I repeat ... .A ZERO balance due on a student loan thats in Forbearance.. PrimeLending rep at XXXX office ignored Veterans ability to make minuscule ( tiny ) payments of property located at XXXX XXXX XXXX # XXXX XXXX OH XXXX. Even though th Veteran made several requests after requests, the PrimeLending rep still '' refused '' to submit a letter ( in-writting ) stating th reason for Loan Application Denial. XXXX ( {$57.00} monthly premium was VERY manageable ) and PrimeLending reps did not base their decision to " Not Allow Loan Application '' on th Veterans income of over {$1200.00} per month AND over {$16000.00} in checking account savings th Veteran has. PrimeLending rep stated '' ... THATS ALL WE LOAN IS {$40000.00} and up ... '' Now where did that come from? Discriminatory? The Veteran had NEVER in his life heard of a Lender placing a " Certain Amount '' on a Loan OR a minimum amount to borrow? Either {$40000.00} or nothing? This is what XXXX XXXX of PrimeLending emailed to Veteran on XXXX XXXX " .... {$40000.00} LOANS AND UP ONLY .... '' * {$40000.00} and up only? But yet PrimeLending rep works with a XXXX XXXX agent whom has over THIRTY HOMES listed for under {$30000.00} ... .yet he tells the Veteran {$40000.00} or nothing .... '' *PLEASE speak with PrimeLending office in XXXX Ohio and request that they " Discontinue '' with illegal practices.
12/01/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	MD 21113	Web
This is a partial copy of the letter sent to the lending company : I am writing to share my frustration and disappointment in one of your Loan Officers, Mr. XXXX XXXX. I am at a complete loss at his level of incompetence and inability to reach settlement on the above listed property. To date, he has missed three closing dates for one bogus reason or another. Despite the mess he has created, he has yet to take ownership for being ill-prepared and failing to ensure all documents were in place for the scheduled settlement dates. The following are the dates missed and the rationale given : XX/XX/XXXX date moved to XX/XX/XXXX - No reason given XX/XX/XXXX date missed and moved to XX/XX/XXXX - I was told that HUD wanted to audit the file because multiple contracts had been made on the property and the contracts had failed to reach settlement. I have not spoken to one lender who has ever heard of HUD wanting to audit a file for such a reason. XX/XX/XXXX date missed and moved to XX/XX/XXXX - he failed to confirm buyer 's rental history and underwriting needed the former landlord to confirm dates of rental history. At this time, HUD supposedly still wants to " audit '' the file but they will not delay the settlement as the audit is completed. XX/XX/XXXX date missed and unable to schedule another settlement date - the buyer has a gap in her employment history, therefore her existing loan is null and void. Why wasn't this discovered and addressed a long time ago? How is something as basic as employment history not addressed in the beginning stages of preparation for settlement? I am hoping that you are able to intervene and possibly assist him in closing this deal by XX/XX/XXXX. Not only is this a hardship on me, the seller, but the buyer has been on an emotional roller coaster as well. If I am unable to sell this property by XX/XX/XXXX, I will be forced to terminate this contract and rent the property. I have absolutely no desire to rent this property, but I can't afford to wait until Mr. XXXX figures out how to do his job and actually reach a settlement on this property. When I told him I may have to rent it because I can't prolong this case any further, he actually had the audacity to suggest that I rent it to the buyer. What kind of pathetic loan XXXX would say something like that? Doesn't that go against your industry? Why purchase or sell a home if everyone should rent?
06/18/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 27540	Web
In XX/XX/XXXX I hired a licensed builder to add an addition that included a garage, bedroom, bathroom and bonus room to our home. The builder contracted a licensed architect , XXXX XXXX to draw up plans for the new addition. The Plans were finalized and signed by XXXX XXXX in XX/XX/XXXX . Meanwhile I contacte d XXXX XXXX of Prime Lending in XXXX , NC in XX/XX/XXXX to start putting together a construction loan for the new addition. The construction loan documentation was completed and the closing was in XX/XX/XXXX . The town advised us that we needed to replace the septic. My current builder XXXX XXXX had no experience septic builds so in XX/XX/XXXX I terminated my contractor XXXX XXXX and hired XXXX XXXX friend XXXX XXXX who is a licensed builder already vetted by Prime Lending to complete the addition because he was more knowledgeable about septic builds. Draws against the construction loan were taken to pay for : the time the original builder put in a new septic to accommodate the additional bedroom and bathroom a new water heater. On XX/XX/XXXX , XXXX co ntacted me via text saying that a problem came up with the town. It turned out that the current setback did not accommodate the new garage addition. No one checked with the town during the drawing up of the plans. The builder, XXXX , drew up a new addition that was aesthetically disappointing and did not include a garage. In XX/XX/XXXX , I contacted XXXX XXXX and told him that the construction money would have to be paid towards the mortgage principal because we could not go ahead with the addition. He stated that this was the first time theyve ever done this so they will have to research to find out what to do but his underwriter did not contact XXXX XXXX for direction un til Mid- XX/XX/XXXX . I filed a complaint with XXXX XXXX in XX/XX/XXXX but they have not resolved the issue I am paying interest on {>= $1,000,000} that is sitting in an account making Prime Lending money when it should have been transferred to my mortgage loan principal in XX/XX/XXXX when I first made the request. Repeated status requests to Prime Lending get me nowhere. It seems that they are happy to let my money sit in their account earning them interest while I pay interest on money that I have no control over.
11/05/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 43207	Web
On or about I filed Bankruptcy in XX/XX/2019. On XX/XX/2019, my Bankruptcy was discharged. The facts and proof Im attaching clearly shows Prime Lending is retaliating against me because I did not Reaffirm my mortgage loan. However, I have continued to make all scheduled monthly obligations as I have plans to refinance my mortgage with another Lender as soon as practical. After my bankruptcy was discharged, Prime Lending has been sending me ( via US Mail ) threats of filing Foreclosure stating Ive defaulted even when I have forwarded Prime Lending banking statements ( see attached ) that validates I have met monthly obligations ( via XXXX XXXX Payments ). I have spoke with Prime Lending customer service department more than ten ( 10 ) times requesting that Prime Lending rectify this issues as well as cease having private carriers delivery threats of Foreclosure. In addition, during the bankruptcy process Prime Lending unknown to myself has increased my monthly payments from {$680.00} to {$810.00} without ever notifying me. When I asked Prime Lending for an explanation for the reason my mortgage had been increased, I was told because my property taxes and homeowners insurance had been increased. I decided to reach out the XXXX county auditors office to verify that my property tax rate and discovered my property taxes were actually decreased ( see attached ). On more than five occasions, I asked Prime lending why the discrepancy over payments that I have proved had been paid to them, Im always told that it takes a while for there system to get updated. However, after five ( 5 ) months has passed, Im still receiving loan delinquent notices/ letters and there plan to proceed with Foreclosure. I have kept current with ALL scheduled payments ( see banking records ), even when I should have skipped payments when I was in the bankruptcy process and Prime Lending has accepted ALL payments yet continue to cause me mental stress by potential threats of Foreclosure. Every week Prime Lending is sending me erroneous billing statements with different amounts claiming I owe them. This is my opinion is beyond Predatory Lending/ Harassment/ Coercion/Deceit. Thank you in advance.
04/27/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 75165	Web	Servicemember
I am closing on a XXXX home in XXXX , TX with the builder 's approved lender, Prime Lending as the lender. XXXX XXXX 17 : I locked my rate for 60 days. Given the following closing dates by the builder XX/XX/XXXX ( Verbal ), XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX . Received an initial closing disclosure for XX/XX/XXXX . XXXX XXXX 17 : M y rate lock expired because the builder still could not complete the home. Was told by the loan Officer, that I would have to pay a 1/4 penalty f or the lock expiring and lock at worst case rates. Was told new rate would last till XXXX XXXX 17. Eventually told interest rate would be 4.375 % ( o riginal rate ) even though prevailing rates were 3.875 % - 4.000 %. Provided proof of a loan estimate from another lender at 3.875 % but they would not move on the rate. Also, my float down option went away completely. They eventually offered to pay for the rate lock expiration penalty, and {$880.00}. Given new closing dates of XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX Asked for a new disclosure several times, including via email on XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX . XXXX XXXX 17 : Re altor asked for the builder 's representative, XXXX XXXX , for closing to be moved to XX/XX/XXXX or XX/XX/XXXX She refused and there are additional issues with home as well. In fact we will be unable to see our {$16000.00} wood floors until 2 days after closing ( XX/XX/XXXX ) because they are being finished on the day of closing and dry fo r 24 ho urs. When asking to move the closing she also told me I would start accruing a {$200.00} a day penalty starting on XX/XX/XXXX . As of XXXX XXXX on XX/XX/XXXX I have not received the disclosure and my closing is tomorrow, XX/XX/XXXX at XXXX XXXX at a location XXXX miles from my current home. I have consulted with the realtor and he recommended to file a complaint. It is both his and my understanding that when a rate lock expires, a new disclosure document is required and the 3-day window applies. I have attached the last closing disclosure that I received.
06/15/2016	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	CA 919XX	Web	Servicemember
We have done exactly as our loan officer requested to ensure the loan on our first home purchase was processed as this was his area of expertise. From the begining there had been several inconsistencies- in the beginning he advised us to take out other lines of credit, thank goodness we followed our instincts and delayed this tasks because the next week we were being advised our debt income ratio is too high. Each time we completed XXXX task another issue arises. If we would have been advised each time that there was still other pending issues things such as getting married before our scheduled wedding date-adding extra expenses to our household we would have reconsidered utilizing their services. We later found out getting married was not mandatory just required less paperwork on his part. We have come to the point that his requests/bullying have costs people their jobs. He pushed that we produce a letter that explains my husbands employment during our transition. We both informed him he would continue to live in XXXX XXXX while I and our children relocated to our new home until a position with stable and suitable income was locked in. He advised us this would not be acceptable and for us to have 'someone ' in my husband 's HR department produce a letter that stated that he would continue to work at his current company remotely while he relocates to XXXX-knowing this was a not the case. He continually assured us it would not be confirmed or followed up on so we need n't worry and without this letter we would not get the loan approved so we begrudgingly did as he advised. Needless to say it was and now my husband and the HR rep were terminated. This type of behavior and advice to clients is unethical and will not be tolerated. He has single handedly put XXXX families in a situation where they have lost the means to support their family. We have lost our families income plus our savings we have used as the earnest deposit- which bieng a VA loan was to be returned to us after closing. Our family was placed in a dire situation.
05/20/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NE 685XX	Web
Due to other financial issues, I became delinquent on my mortgage with PrimeLending Loan Servicing backed by XXXX XXXX. When I lost 100 % of my employment hours due to COVID and the passing of the CARES Act, I requested a forbearance on my mortgage. I was initially told it had been applied, they read the terms and conditions to me and said I would receive additional information in the mail. The only thing I received was loss mitigation paperwork. When I called back I was advised by 3 different reps I did not have forbearance and if I wanted one I must complete the loss mitigation paperwork. I called XXXX XXXX, when they got back to me after speaking to the lender they stated I was in an active forbearance. I asked what date it went into effect and expired as well as if they would then be paying my homeowners insurance policy per my escrow account and if I could make payments in the interim. They advised I call the lender. When I reached back out to Primelending I was again informed I do not have an active forbearance and if I wanted one I needed to complete the loss mitiation paperwork. I told the rep Primelendin has informed XXXX XXXX I am in an active forbearance and per the CARES Act they must allow me to be. The rep stated because I was in default prior to the CARES Act it did not apply and I must complete loss mitigation paperwork. I called XXXX XXXX back and advised the rep of what I just stated, they said they would get with the lender and either have the lender or the person handling my issue call me back. No one has called, the eviction memorandum for XXXX XXXX backed loans have expired and they can literally sell my house any day now. I am working on resolving my financial disputes and they should be solved within the forbearance period. I would then be able to pay all of my delinquent payments and become current on my loan. I can not if they refuse to give me a forbearance.
12/08/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	TN 380XX	Web
XXXX XXXX from Prime Lending in XXXX is deceiving and should get fired and not get a job where anybody has to depend on him. He is/was the lender for the buyer of our home. According to the contract, we were scheduled to close 45 days out ... plenty of time for my lender to get everything done, but not for XXXX XXXX. Here it is 19 days after the initial XXXX and are sitting outside of our new home with XXXX trucks unable to get moved in because XXXX can not get his act together. He blames everyone else for the problems and will not take responsibility for doing such an awful job and botching this whole process over and over again! When he sent the closing documents to the closing attorney, the numbers did not match and information was incorrect. I mean, seriously!! You use a computer to type the info in and still can not get it right?!? What makes things even worse is that the auditors who review the loan at Prime Lending did not catch any of the mistakes and approved it! I guess no XXXX there is competent! We have had to pay for an extra day of rental for the trucks and had to stay at a friends house last night. I have bought a house before and this is the worst experience I have ever had. My realtors even said that this is a horror story for the books! Buyers, if you are serious about a home purchase, do not use XXXX XXXX or prime lending because you will never get in your house. Sellers, if you see that the purchaser is using Prime Lending for their mortgage, tell them to use another company or do not accept the contract. This whole process of selling our home has been a nightmare. XXXX XXXX and Prime Lending need to realize that their actions have consequences. This has affected my spouse, our realtors, the purchaser of our old home, the seller our new home, my wallet ( because of unnecessary expenses ), my job, and me.
10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77539	Web
In XXXX of 2017 we accepted a 3 month deferred payment plan as a result of Hurricane Harvey. Prime Lending gave us the option of refinancing, accepting a partial payment plan, or repaying the amount due. We elected to repay the loan and we have verified multiple times with the mortgage company that our account is in good standing, we are paying as agreed, and our account is current. Despite this, Prime Lending has been adding derogatory remarks to our credit report since 2017 indicating that we are on a partial payment plan. This is preventing us from refinancing or getting other loans as we are essentially locked in with Prime-lending. To this day when we call they deny we are on a payment plan but continue to add these comments We sent a certified letter on XX/XX/XXXX asking them to remove the comments or show proof of acceptance of a payment plan agreement. Prime Lending received and then denied our request for resolution. We raised disputes with all three credit agencies which were again denied by Prime Lending. On XX/XX/XXXX we sent a certified letter again asking for a copy of the signed partial payments agreement. On XX/XX/XXXX a " Presidential Dispute Representative '' called us to ask some questions. Together we went through all of the payments made since 2017 and confirmed all of the payments had been made and our account was current. A Ms. XXXX XXXX informed us she would get back to us in 5-7 business days with a response. There has been no response and the number I had previously been given to contact her is no longer in service/ can not receive direct calls. We have been blocked from contacting Prime Lending. We are asking that all comments of " Partial Payment '' be removed from our account immediately and we will likely be seeking retribution for this unfair act by our mortgage company.
11/07/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 76039	Web
Our family decided to take the steps to purchase our first home through XXXX XXXX on XX/XX/2019. Our loan officer connected us to Prime Lending XXXX XXXX, DBA Highland Home Loans. MLS # XXXX After being pre approved on XX/XX/2019. We made an offer on XX/XX/2019 and it was accepted by the seller. We paid XXXX in earnest money and XXXX in option money to title Company ( XXXX XXXX ). Following this we paid XXXX for property inspection. We were intially given a close date of XX/XX/2019. XX/XX/XXXX, we were told that the underwriter needed a letter from us to remove dispute verbage on credit report which was recieved and accepted. XX/XX/2019 the loan officer requested a letter explaning student loans debt and letter for child support. Both letters were provided and accepted. Following these request we were advised that our loan needed to be reviewed by a senior underwriter. Additionally we were asked for bank statements on 3 separate occasions, after asking for the docs on the XX/XX/XXXX the realtor and and loan officer started telling us that the closing would be on the 8th now. On the same date of the 30th the loan officer came asking for 401k statements again to show reserves, we gave those then she told me on the XX/XX/XXXX that no answer was ready because the underwriter working my file the day before went home on an emergency. On the XX/XX/XXXX the loan officer contacted us and asked for check stubs for myself and and justification about my short term XXXX and for pic of my husbands college degrees??? She then contacted us a couple hours later saying that if I didnt return to work immediately then we could not close the loan. She then directed me to the realtor who told us that we could not get our Earnest money back and that we may be sued for breech on contract by the seller.
02/24/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 752XX	Web
As a customer I am utterly disgusted and incredibly frustrated with how PrimeLending has handled my loan. After I sold my house in XX/XX/XXXX, I expected to receive my escrow check in the amount of {$5700.00}. The check released on XX/XX/XXXX was sent to the wrong address. I called and had it corrected in XX/XX/XXXX and still no check came in XX/XX/XXXX. However, I had received several letters confirming my address so I know there was no issue with the mailing. On XX/XX/XXXX I called again spoke with a supervisor and was informed that the check would be expedited. As of today, XX/XX/XXXX I still do not have my check. The representatives and supervisors in customer service do not keep accurate notes of my phone calls and I repeatedly have to go back and forth with them on the issue. If I were the one who owed PrimeLending, there would be dogs and bounty hunters on my back. I have mailed letters and sent faxes demanding there be some urgency behind refunding my money. It is money that I paid into the account for my property expenses and it is rightfully mine. PrimeLending has a legal and moral obligation to return it. I've even reached out to my original loan officer to have her help me reclaim my money. No one at Primelending seems to care how poorly this has been handled. Even the supervisors don't seem to put any urgency behind the matter. Every time I call someone knew tells me to wait, they say it will take 48 hrs to research the account then another 14 days to send the check. Why does it take so long??? Only for me to find out, it was never done!! I want answers from someone in the company who can make executive decisions and overnight me my funds! I'm hoping this complaint will put some pressure on them to move this along.
01/09/2017	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 76227	Web
I worked with a lender from prime lending and everything was going wonderfully until about 2 week before closing. I had not heard from her in quite some time when one day, about 3 days before our closing should have been, she called and " made me promise not to get upset '' she went on to tell me that my FHA loan had been denied, after previously switching from conventional due to debt-to-income-ratio issues. So, she asked if I had any more money to give to help us go back to conventional. I said no. Flat out no. I had saved {$11000.00} to someday use to purchase a house. I knew fully well that ALL of my savings would be going into my house, and my realtor and lender both knew this. She later called back and stated that she had already put my husband on the loan, EVEN though I was never asked if this was ok. Apparently her supervisor told her to include him because of his credit. Well, this then made it to where all his finances would be legally necessary to use for the house. To get us to 5 % down, we would need {$3500.00} of my husbands {$5000.00} in savings. That would mean that to by our new home would be financially crippling ourselves ; draining my entire savings, and 70 % of my husbands. This was not ok, considering my husband had just quit his job and had ZERO income. Another fact my lender knew. It was never my decision. Our lender took complete advantage of us. AND this was after she had to award us hundreds of dollars in waived fees to make the loan go through. It was clear that we were not a priority, we were a paycheck. Now my husband and I are still trying to make ends meet with no money to fall back on, because of a decision that was made for us.
01/29/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IN 46208	Web
On behalf of homeowner/client ; XXXX XXXX two complete hardship packages/requests for mortgage assistance were prepared and submitted to Prime Lending/XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. To date ( XX/XX/XXXX ) Neither request has been reviewed. The first request was submitted via email as that was listed on the mortgage statement and deemed a reliable way to send the documentation. On XX/XX/XXXX I spoke with XXXX XXXX agent XXXX and inquired about application sent in XX/XX/XXXX. XXXX XXXX said that the email isn't checked by anyone and that I should have faxed it. I answered that no fax number had been made available on the statement or in other I advised that I would send a new request for assistance to the fax number that was offered and did so. I received a fax confirmation and email of receipt of the documentation the same day. I called Prime Lending on XX/XX/XXXX to ensure that documents had been moved to underwriting to again have a frustrating conversation with an individual that acknowledged receipt of documenattion ( actually referencing docs page by page ) yet syaing that no one had reviewed them yet and that I needed to speak with a loan counselor. When I was transferred I was told that I needed to speak with loss mitigation which was not available and that I would receive a return call within a week. I received a vm msg from Prime Lending time stamped XXXX XXXX XX/XX/XXXX asking for a return call. When I returned the call at XXXX XXXX XX/XX/XXXX I was advised at first that no documents had been received and then after some pushing that they had and they would not go to processing for another 5 days. This is unacceptable
07/08/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	WV 264XX	Web
I was told over a month ago that my appraisal was going to be arriving on XX/XX/XXXX. The morning of XX/XX/XXXX, I texted the mortgage company contact, XXXX XXXX at Prime Lending, XXXX, WV. She said, it will be in by end of week, I sent long email response and said I was told XX/XX/XXXX, I think six weeks is long enough on an appraisal. I said I will start filling out online reviews of your company about process. Filled XXXX online consumer reviews of company that night. I received email next day about complaint from compliance manager XXXX, TX, XXXX XXXX. She later called me and said, " Our appraisal team is on it and appraisal will be uploaded first thing in morning. Email message at XXXX, no appraisal yet. She replied, " no they are third parties and they are out of our control. '' Yet I had to have paperwork in by end of the day Friday, yet I sent it Thursday morning. My problem lies with first of all I thought 6 weeks was little long but they claimed factors are involved busy time of year, then I get end of week, then I get tomorrow morning and now it is weekend, who really knows. They have n't told the same story and I feel like I am being pulled along. I paid {$650.00} for appraisal when I was sent email link to pay for it. The lies must stop and produce what is expected. CONTACT Information- XXXX XXXX XXXX direct line XXXX, XXXX XXXX XXXX , XXXX , WV XXXX, XXXXXXXXXXXX, loan officer support/ renovation liaison ; XXXX XXXX , XXXX XXXX XXXX , XXXX, WV XXXX XXXXXXXXXXXX, office- XXXX, cell XXXX ; XXXX XXXX- compliance manager , XXXXXXXXXXXX email, direct line - XXXX, XXXX XXXX XXXX # XXXX, XXXX , Texas XXXX
06/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29412	Web
on XX/XX/XXXX I purchased a new car. During this process I found out that I had a 30 and 60 day late payment to Prime lending. I have evidence of payments sent to prime lending on time each month. After the XX/XX/XXXX payment received communication that XXXX was now prime lending. upon reentering my online information I had an incorrect account number listed. I found this out with help from XXXX. I immediately contacted prime lending and explained the issue at which time I made the offer to pay in full all monies in arrears at that time. I was told that I could not until the issue was cleared up internally. Apparently when they receive money to an erroneous account it goes into some type of holding account. I then asked what is the process to release the money and I was told finance has to process this. It then took weeks to resolve a laboriously slow process. During this time because I could not make them whole which I did voluntarily admitting my mistake with the account number entry in XX/XX/XXXX my account became 30 then 60 days late. this has affected my credit as to the point I can not get a mortgage right now and have just lost the chance to buy a home here in South Carolina. I made payments in good faith that they received and have bank statements that prove that. Right now I have these late payments on my credit report along with a " Dispute '', not totally clear on that, however I want this removed from my credit report as I 1 ) made payments that they received on time and 2 ) once discovering my issue I offered to make them whole and they refused payment.
09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92563	Web
For the month of XX/XX/XXXX I was behind on my mortgage to Primelending and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XX/XX/XXXX, I submitted my payment in the amount of {$2500.00} ( late fees included ) to Primelending, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing Primelending to initiate the transaction soon after. Today XX/XX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted Primelending customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XX/XX/XXXX. I still have yet to receive that letter.
12/11/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	MO 644XX	Web	Servicemember
Are use a company called prime lending and the agents name was XXXX XXXX XXXX was very misleading and also very unprofessional and doing the paperwork to be able to close on my loan in a timely manner. XXXX continually was making mistakes with the paperwork causing The closing date XXXX XXXX also lied on was going to throughout the whole process I was told I was going to have an interest rate Of 3.5 % down day of closing which is when I finally seen the final paperwork that Im supposed to buy law have three days advance the interest rate was XXXX XXXX my house payment was supposed to be made {$900.00} range to lower {$1000.00} range and ended up being closer to {$1200.00} very I did not complain about not having my final paperwork for the miss leading of the interest rate due to all the other issues I had closing the loan and the homeowner was going to back out of the sale we did not close that day because due to XXXX mistakes she was actually XXXX and I was about to be homeless as Ive already gotten out of my current lease where I was living ultimately I was affected by the XXXX security breachAnd I dont believe the effects of the breeze wouldve been so bad that I close on my loan when I was supposed to be gained access to my bank account eventually take me over causing me Not to be able to pay my mortgage as they turn the account over they also gain access to my Social Security number drivers license number date of birth and other sensitive information
10/02/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	KS 660XX	Web
Loan Amount XXXX} Estimated Monthly Payment XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PrimeLending Settlement Agent- XXXX XXXX XXXX XXXX I signed a waiver of marital interest on XX/XX/XXXX at XXXX XXXX XXXX XXXX for PrimeLending. A XXXX XXXX XXXX encouraged me to sign the IRS XXXX Form because after the divorce, the buyer would lose the property to foreclosure anyways and that since I signed the waiver of marital interests it would n't affect me personally. XX/XX/XXXX, I called the Lender at PrimeLending to inform them that my name was electronically signed and my social security number was used without my permission on a IRS XXXXT Form on XX/XX/XXXX. The lender was extremely upset due to the amount of time spent for the loan approval which is when I informed the lender of a divorce that was in process. The Lender then told me that the deal would be dead due to the divorce because there would be a significant change in income and that child support and alimony would deny the approval. I contacted my attorney who then called the lender at PrimeLending to inform him that I would not be signing any for or the IRS XXXX Form. The IRS XXXX Form was sent for approval anyways, XX/XX/XXXX an email was delivered from the loan officer at PrimeLending stating the loan was approved. XXXX XXXX met with buyer on XX/XX/XXXX for closing. I have spoke with a mortgage fraud attorney. I do have text message and email evidence of this complaint.
10/20/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	SC 29485	Web
The night before closing, our lender Prime Lending called to say there was a problem with our loan. The long and short of it is we were told for nearly 4 months, including a Uniform Residential Loan Application and an estimated cash to closing work sheet, that Prime Lending would match a {$3000.00} credit the preferred lender for our builder was offering. When we locked in our rate, the credit as well as our earnest money was not showing. I was assured in an email that the earnest money and credit were there " Your credits were removed, but you will definitely get credit for your {$5000.00} Earnest Money deposit. The {$3000.00} Lender credit will be negotiable depending on the rates. Right now, the markets are very volatile so we are seeing a lot of movements and sometimes not in a positive direction unfortunately. Again, we will continue to monitor the rates for you, but we will most likely iron down the fees within the next few weeks before your closing. " There was never any negotiating mentioned before this. The night before closing we were told that in order to honor that credit the loan would have to go through their corporate and legal departments which could delay closing for days. We did not have days to delay we had to be out of our rental and could not afford to pay for 2 moves plus storage. They were able to match {$1900.00} of the {$3000.00}, but we had to pay the difference.
08/10/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 786XX	Web
On XX/XX/2017, we purchased a home from a new home builder, Dreamfinder, in XXXX, TX. The builder, Dreamfinder, had a preferred lender they associated themselves with, and part of their promotion was that the lender, PrimeLending, would pay the first 3 months worth of Taxes, HOA, and Home Insurance. We shopped around with different lenders and found a lender that offered a less expensive interest rate at that time. We had a lender that was quoting us half a point less than the Builder 's Preferred Lender. The company, PrimeLending, said that because they were associated with the Home Builder as the Preferred Lender, they would be able to beat that deal and offer me the promotion of first 3 months of Taxes, HOA, and Home Insurance paid for me as part of the closing costs. When the Tax Bill came out at the end of XX/XX/2017, the Tax amount due was substantially higher than when what was pro-rated when we closed on the home. In other words, at closing, we received a tiny Tax Prorated credit of {$770.00} instead of the actual 3-month tax that was {$3900.00}. That's a difference of {$3100.00} that I had to pay out of my pocket. I have gone to the Loan Officer for over 6 months now, and they are not responding to my requests and keep telling me they are " looking into it. '' I am hoping your Organization may be able to assist me in this matter. I appreciate your help, XXXX XXXX
02/04/2019	Yes	Mortgage VA mortgage	Trouble during payment process	TX 77385	Web	Servicemember
I am a XXXX XXXX XXXX veteran of the US XXXX XXXX I have been XXXX XXXX XXXX ever since XXXX of 2012. A XXXX XXXX XXXX veteran in the state of Texas does not have to pay property tax But My mortgage company ( prime lending ) Insists on making me pay property tax which is something that I am not required to pay they said that they have pay the property tax for me ever since 2012 until now they have added this amount to the amount that I still owe for the property XXXX XXXX XXXX, XXXX TX XXXX Also They have said that they have had to pay for my home owners insurance claiming that I have never head homeowners insurance this is not true I have always head home owners insurance every year since I have been here they have added at least {$20000.00} or more to the amount the old causing me to go into default on my home mortgage loan I have had to file bankruptcy several times I have taken this complaint to several agencies looking for a way out some sort of help. At this time I am in need of help with this issue because they are robbing people this is something that they on the XXXX is for I have done a lot of XXXX on the Internet and I complaints and issues about this company I only wish that i did more at the time when I was looking for and mortgage company. Please any help that you can give would be greatly appreciated thank you and have a blessed day
07/06/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	NE 683XX	Web
On XX/XX/2018, I submitted a request to have my first automatic mortgage payment deducted on either XX/XX/2018 or XX/XX/2018 ( attached ). On XX/XX/2018, I received a call from my mortgage company requesting I give them a call back. On XX/XX/2018, I returned the call and was asked if I wanted the autodebit to start the first or the second Friday of the month. Because it was not processed at that time, I specifically requested it be started the second Friday in XXXX. The representative states she would send an email to have this processed. On XX/XX/2018, I received an email from my bank stating that my mortgage company had submitted a request for an ACH transfer. On XX/XX/2018, I contacted my mortgage company and was told that their is nothing they can do at that time. I asked what the process was to have this resolved, and was told to call back in 24 hours and let someone else deal with it. I was transferred to my current servicer on XX/XX/2018. I have had payments returned because their system couldn't accept them, while getting a bill on the same day for an upcoming payment. The mortgage company/loan servicer is horrid. I can not wait until the repairs/upgrades are done on my house so I can refinance with someone else. At this point I do not care if I end up paying more in the long run, the stress this company has caused is NOT worth it.
04/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32246	Web
Hello, we purchased a home in Florida XXXX / XXXX / XXXX . We got a conventional mortgage with Prime Lending. We had our current home ( at the time ) for sale and planned on paying off the Prime Lending mortgage when the current home ( at the time ) sold. We did n't want to put 20 % down so as not to drain our saving if the home for sale did n't sell quickly. So, Prime Lending required us to have Property Mortgage Insurance ( BP PMI ) - they suggested Single Premium Borrower paid Mortgage Insurance and never mentioned it was the non-refundable option. So, we paid over {$3100.00} at closing for this one time premium. Our PMI disclosure that we signed shows a refund may be possible. In XXXX our home sold. In XXXX we paid off our Prime Lending mortgage but Prime had already sold the note to XXXX XXXX . So, since our loan was paid off we wanted a pro-rated refund of our one t ime PMI payment. I talked to XXXX XXXX and they said it 's not refundable - Prime says they sold it so their hands are washed. If I understand it correctly, a refund is possible if the mortgage is paid off according to the 1998 Home Owners p rotection act. The insurance company was XXXX and even on their webpage it shows 'Non-Refundable ' BPMI is refundable under th e 1998 Act. Can you help - am I understanding the ACT incorrectly? Thank you
07/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77493	Web
I'm simply trying to contact PrimeLending through the site they have assigned us which is https : //primelending.loanadministration.com/Login There's NO CONTACT US number , email, form, or chat once logged into the site. I see no phone number ANYWHERE for customer service, and I have questions about my payoff. I have to provide this information to refinance, and I find this to be PrimeLending 's way of preventing people from calling about their payoff so they can go somewhere else. I feel captive by this company and want to get out of it. I have no idea who to contact, no information of the previous loan officer, and if I WAS going to be late on my payment or have issues with Covid, I have NO IDEA how I would get a hold of either a live person or even a form to fill out to contact them or receive contact from them. I'm at a loss, and they need to fix this. I believe they HAVE to clearly have a location where clients can feel that they have FAQ 's or ways of contacting. At the minimum there should be a place on their site for me to easily order a payoff like you can on XXXX or XXXX. For a company as large as them, I feel this is by intention, not by accident and I feel this is aproblem that needs addressed right away. I can't even get my full account # on the site, because it doesn't show it anywhere on the site.
05/03/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 77546	Web
Prime Lending in XXXX Tx uses deceptive lending practices while over promising and never delivering. The company had our loan for almost three months before it became clear they were not capable of closing our loan. Originally Prime Lending was selected because they assured us they could close our loan without selling additional property. The Branch manger kept insisting he could close our loan if we could just hold on a little longer and would stop communicating with us for days on end. When another lender told us they could complete our loan and help us close on our house we requested our file to be withdrawn and transferred. The branch manager of Prime Lending decided to force a denial on our FHA loan before transferring the file even though a withdrawal was requested. The branch manager also called us twice while intoxicated, after hours, asking if we were mad at him and wanted to know why we were n't closing the next day ( despite the fact we had never heard from anyone we could close, which we could n't ). The unprofessional manner of the branch manager and the deceitful bait and switch tactics of Prime Lending ensure that I will never go back to them for another financial product and will make sure anyone I meet knows just how terrible and incompetent their service is.
08/16/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MA 023XX	Web
We closed on our mortgage with Prime Lending in XXXX of 2014. We knew that our taxes would go up a little bit because we bought a brand new home. We were told it would be about {$200.00} a month, since that can easily be figured out based on value of the home and town tax rates, I did n't think about it too much. Fourteen months after purchasing our home, we called to pay our mortgage to find out we owed {$800.00} more per month. We were told not to worry it would only be like that for 2 months, that we just had to pay the deficit from our taxes being reassessed. Well, two months later it changed again all right, up {$200.00} more. We were then told that the town reassessed our taxes immediately after the sale but that Prime Lending did n't catch it until 13 payments later. For the last 14 months, we have paid a thousand dollars more towards our mortgage than we signed up to do. My husband and I have called countless times and no one can answer our questions. Generally, I know more than they do about how mortgages and taxes work. The last phone call I was told " oh, well maybe in XXXX it will be better. '' Maybe? Today, I looked and they are actually refunding us money for escrow overage but our payment remains the same. I am completely at a loss.
02/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55129	Web
My mortgage was sold from XXXX to XXXX over a year ago now, my payment for XXXX 2015 was sent to XXXX, but was never forwarded or returned to me. I have called both PrimeLending and XXXX for resolution and they continually give me the run around, I have multiple tickets in with XXXX regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, PrimeLending is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at PrimeLending that the truth is they would never do anything about it. Essentially XXXX and/or PrimeLending is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.
04/30/2020	No	Mortgage VA mortgage	Struggling to pay mortgage	TX 78260	Web	Servicemember
I was struggling to make payment for beginning in 2019. I contacted Prime Lending ( mortgage company ). When I spoke to the loan modification officer, about my options : they asked if I wanted to keep my home. I responded Yes, absolutely. The loan modification officer recommended a Loan Modification-and immediately sent me a package to fill out. The taskings forms and time required to submit this package to approximately 1-moth to complete. This process began XXXX, then the completed package was sent out XXXX, via fax. They informed us that I needed to have been behind at least 1-month late on my mortgage payment at time of review-which I was. After numerous calls, request for additional information ( 2-month after initial fax ), time and energy spent to make sure all the details were covered / over 16 hours of labor. finally the results were received on XXXX. We received the mortgage company 's results, a simple letter ... Not approved for loan modification. The only two Options I qualified for were " Short Sale '' and a DEED in Lieu of foreclosure. '' I am a XXXX veteran only requesting a loan modifications and was instead offered foreclosures? This is completely unimaginable after 5-months of dealing with this company ( Prime Lending ).
05/05/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 294XX	Web
My wife XXXX and I ( XXXX XXXX XXXX ) refinanced mortgage on home loan in XXXX of XXXX. Went from Prime Lending, A Plains Capital Company to XXXX bank for my mortgage on home at XXXX XXXX XXXX XXXX XXXX SC XXXX loan # XXXX A disbursement check ( # XXXX ) from escrow was mailed out on XX/XX/XXXX in the amount of {$3400.00} from Prime. The check was lost in the mail and I received it in XXXX of XXXX and could not cash check because it was older than 180 days. I called Prime to reissue the Check on XX/XX/XXXX. XXXX indicated there was no problem and they would reissue check. I have been trying to get that reissued check for 2 months with no success. ( Prime claims there is a glitch in their system ) I have called Prime in excess of 10 times over this period. 4 supervisors over this period were to have called me with how they were going to expedite the check. Not one of these supervisors ever called. When I asked for a number I could call to get a supervisor I was told numerous times I would just have to keep calling the main customer service number and get transferred to a supervisor. This was not true. All call center reps work from home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Prime loan # XXXX
10/18/2018	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77070	Web
We have been attempting to get our credit reporting updated to Paid Satisfactorily to XXXX, XXXX and XXXX. We are requesting acknowledgment of the payments made and the fact that we were on a forbearance period and paying back. When we accepted the forbearance for hurricane Harvey, we were told no negative reporting would occur. Texas was declared a federal natural disaster area so it made sense to us. Starting XX/XX/2017 we made good faith payments totaling at least {$9300.00}. We did not request modifications or anything other than XXXX to accept the payments we were making. We did not sign any documents and did not receive anything in writing. We were told over the phone the payments were applied as necessary and that the rest of the money was building up in a suspense account until we were caught up. We called in and made payments over the phone. In summary, we paid a lump sum and continued to make large payments to keep the account current. To our knowledge, we were doing everything we were supposed to. The home was sold and the loan paid off in full. This negative reporting is causing extreme distress as we are not able to obtain a new mortgage as a result of this misunderstanding.
08/26/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	WA 993XX	Web
First I want to lodge a complaint that when I called the CFPB phone to talk with someone ( XXXX ) My cell phone says I was talking to " XXXX XXXX XXXX '' at ( XXXX ) XXXX. Second, after a couple of extensions PrimeLending missed my closing by date on the latest extension ( last week ) and now they are requiring me to signup with " XXXX '' system to provide them with my user name and password for my checking account so they can directly access my account statements. I called my bank and they said don't ever give my user name and password to anyone. XXXX at CFPB could not tell me if a lender can " require '' me to enable such a data breach to my personal bank account. PrimeLending ( via Loan officer XXXX XXXX ) is also requiring me to provide user name and password for W-2, payroll and IRS tax accounts. Sounds like a scam. They also want me to agree to have a conference call where I disclose my security confirmation information so they can verify a loan has been paid - - note the loan was paid off at my bank and they would have all the information to steal my identity and money if I give all of this to them. Is this something they can force me to do? Need help right away!!
02/07/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MI 48187	Web
I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review.
08/20/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 18018	Web
My husband went to Prime lending in XXXX Pa. A loan specialist name XXXX XXXX approved my husband for a mortgage of XXXX. He didn't go over anything about the mortgage process except that he was approved. While looking at homes XXXX text our realtor that he could approve my husband for XXXX. Our realtor and I thought it was strange because nobody asked him to up the budget. We just figured he went over my husband's income and credit again. So then we found a home, and put an offer on it. When the listing agent found out who our lender was she refused to work with him. Due to him lying in the past, forging paperwork, and not being able to close on homes before. We tried to convince her to work with him. We ended up finding out we indeed not qualify for XXXX. That he tried forging our paperwork too, and was lying about everything. He never explained anything to us, never went through any of the paperwork with us, and was pretty much just making it up as he goes. We aren't the only people he's done this too. We have learned from other people that this is how he does business. People are losing homes, and money because of him. He needs to be stopped.
12/12/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ 085XX	Web
I closed on a house recently with PRIMELENDING A PLAINSCAPITAL COMPANY. During the disclosures, the loan agent ( XXXX XXXX ) asked me to sign another disclosure without clearly explaining the reason for it. I signed it and asked the agent on the phone why some charges were higher. He indicated that these charges will be adjusted in the final disclosure. He never indicated to me or disclosed to me that those charges were for a rate lock extension and will never be taken away. Finally, a couple of hours before the closing time on the closing date, he mentioned to me that he can not take those away because they were for the rate lock extension. Upon closing, I raised this issue with his boss ( XXXX XXXX ) to get a refund for the charges that I should have never paid. He pointed that I would have to provide written proof of XXXX XXXX agreeing to the rate lock extension charges being waived. I provided him what I could find at the moment. But was asked for more written evidence. He did not agree to provide me with a refund of the interest rate lock extension fees.
03/07/2017	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	CA XXXXX	Web
This complaint is in regards to unauthorized fee for an appraisal that was ordered by my former home loan officer XXXX XXXX XXXX ( # XXXX ) at Prime Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2017, XXXX XXXX XXXX was notified that home loan services from Prime Lending were no longer needed due to his aggressive and unprofessional speech via telephone on XX/XX/XXXX. Surprisingly, on XX/XX/XXXX, I received a intimidating voicemail from stating " the appraisal went to the property on yesterday, the appraisal is done..you have until Monday to pay the appraisal fee ( {$550.00} ) ..I would hate to have this affect your credit and cause you problems with moving forward with a new loan ''. Since getting the appraisal supervisor and accounts receivable involved, I was sent a link by XXXX XXXX for a {$150.00} trip fee. My position is I did not authorize this appraisal, therefore I should not be charged any associated fees. Please look into this matter to assist me in resolving this issue. Regards, XXXX XXXX Former Loan # XXXX
11/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32566	Web
This complaint pertains to illegal business practices employed by PrimeLending ( XXXX XXXX ). They service my primary residence mortgage. As a result of hurricane Irma, I was granted a 3-month disaster forbearance payment deferment, which covers the months of XXXX, XXXX and XX/XX/XXXX, with regular payment resuming on XX/XX/XXXX. Despite my loan being put on hold, I get assaulted by daily calls, emails and default letters. I called PrimeLending several times and tried to explain that I am not supposed to make ANY payments until XX/XX/XXXX - which they have acknowledged every time while promising to end the illegal debt collection efforts. Despite their promises, I keep getting hit with collections calls, default letters and emails. The explanation I was given was " our system is outdated '' and can not stop sending those notifications despite me being on a forbearance plan. I plan on filling complaints with BBB and all other agencies and cousumer protection and advocacies entities to make this stop.
08/13/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MS 395XX	Web
We purchased a home in XXXX, XXXX. Our insurance payment was around {$2400.00} and taxes {$3300.00}, this was used to determine our escrow amount. In XX/XX/XXXX our insurance premium was about the same and our taxes went down to about {$1800.00}, but our escrow amount increased. Then in XX/XX/XXXX our insurance went down almost {$1000.00} and our taxes stayed the same but our escrow payment increase again. I have asked for a breakdown but what they sent me was the same as what I could see online which does not show why the premium increased. From what I can see they charged me for insurance twice in XX/XX/XXXX. Ive contact the company by phone, email, and internet request none of the responses were helpful. They tell me someone will review the account but nothing has happened. Please audit my account to determine why they are charging us more when the payment should be decreasing. Attached are the closing statement and loan activity for the entire length of the loan ( as seen online ).
08/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38017	Web
Received an electronic notification on XX/XX/XXXX from Loan Servicing company PrimeLending, that our XXXX statement was not satisfied for the amount of {$2100.00} due on XX/XX/XXXX. This is incorrect. We paid XX/XX/XXXX mortgage statement in two separate installments, both prior to deadline of XX/XX/XXXX before a late fee will access. 1st payment of {$500.00} received by PrimeLending on XX/XX/XXXX. Second payment of {$1600.00} received by PrimeLending on XX/XX/XXXX. I have placed calls on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in order to get the error resolved, to no avail. The first representative indicated dual payments are okay to process as long as they are received closer together, but he would solve error. Second representative indicates dual payments would not be accepted, but she would direct me to customer service who could handle the error & get it fixed. Third representative placed me on hold for 20 minutes before the phone disconnected & no one has called me back since.
06/10/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	WI 53511	Web
I am requesting that the {$64.00} in NSF fees be returned to my account immediately. I called Prime on XX/XX/XXXX to let them know that a 2nd payment was made in error. I'm on autopay and made an online payment in error. I called immediately to inform them and request that I be taken off of autopay. I asked if I would be charged again or if they would be running the payment through again and I was told that they wouldn't and there was nothing that I needed to worry about. Today, XX/XX/XXXX, I check my account and have been charged another {$32.00} fee for them trying to deduct funds again. I called to request a refund and was told to send a bank statement and a letter. With everything going on right now and my hours being cut at work I refuse to wait 30 days until a bank statements comes out to reflect NSF fees when I can simply download my online transactions through on-line banking to show their error. Nobody should have to go through that much trouble to get a fee reversed.
12/16/2015	No	Mortgage Conventional fixed mortgage	Settlement process and costs	CO 80228	Web
I am with the title company and Prime lending does this on several deals I have had them on the other side more than a handful. As for them working with Title to get CD worked up and making sure that we are balanced they do not we get figures and when we do get figures its a couple of hours before we are to close then we are pending the wire and loan docs to come over. ( buyers and sellers are sitting at the table for hours vs. an hour and half that it normally does. They send out only their lender cd with their fees there are no other fees being disclosed like transfer fees HOA dues etc. This is very frustrating and I have had buyers at the table very frustrated and annoyed at their process. I have attached initial request to prime lending on XXXX/XXXX/2015 requesting CD so we can balance with their net funding and cash to close for buyer. still at this time we still do not have anything from them this closing has been delayed from XXXX/XXXX/2015 to XXXX/XXXX/2015.
09/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94551	Web
during the processing of our mortgage, Primelending mortgage service has not fulfilled their commitment for the locked rate. It caused us higher interest rate plus extra charge for the point. Their reason was we delayed the appraisal, which we have communicated with them it would have to be hold-back for a week. In turns, they keep delaying the disclosure statement, and escrow date was moved back twice due to their lack of response. The escrow service team and the vendor lawyer had contacted them numerous time to finalize the deal, the deal almost fell through. we have contact Primelending and the reply was our fault for delaying the appraisal process, and our debt ratio exceed their guideline which has never been stated. Also, we have rental agreement with a tenant with a monthly payment qualify for the mortgage. We much appreciated you could open an investigation into the issue. Thank you
11/02/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	WA 983XX	Web
We applied for a mortgage with PrimeLending after being pre-qualified for a loan because we were assured that we would close on XXXX XXXX, 2017 and because of the low rate we were quoted. Four business days before closing, the lender stated that they could not close the loan on that date, and the only way we could close the loan in a timely manner ( an additional 4 days ) was to go with a different loan product that required less underwriting. This increased our interest rate more than 0.5 % and our closing costs {$4000.00}. Our extension with the seller is now about to expire, and we have not been cleared to close, even at the higher interest rate. Not only have we been forced into a bait-and-switch scheme because we have no other choice at this point, the seller may choose not to extend the contract again and we will be in breach of contract with the seller.
01/27/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94062	Web
XXXX XXXX of XXXX XXXX, CA is a loan agent for PrimeLending in XXXX, CA is performing illegal mortgage loans by switching social security numbers of clients with good credit with those of his friends and family members so they will get approved. One family member I am aware of is XXXX and XXXX XXXX of XXXX XXXX, NV and XXXX XXXX, CA. XXXX XXXX also performed a false evaluation in 2006 for a XXXX XXXX XXXX XXXX XXXX, CA. He appraised the home for a considerably low amount and then sold it for a much higher price. I am aware that he switched appraisals with one of three homes in XXXX XXXX County at the time. One was in XXXX XXXX, CA. I have reported this to his employer and the XXXX XXXX County Assesor. I am also aware that he uses his clients information to open lines of credit for his own personal uses.
07/15/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	TX 76227	Web	Servicemember
I was charged for an appraisal for a home mortgage from Prime Lending, that I did not order, sign up for, or agree to pay for. This is the last correspondence from the lender : XXXX XXXX XXXX to me, XXXX XXXX XXXX, We are all set to move forward after reviewing your income. Most important next step : you should 've received an email to e-pay for your appraisal. Please be sure to do that today so that we can order your appraisal. We need to get it ordered quickly since VA appraisers take up to 2 weeks to get reports in. We are beginning processing your loan. Let us know if you have questions. Thanks, XXXX. Loan Officer PrimeLending NMLS # XXXX Office Direct : XXXX Cell/call or text : XXXX Apply online : XXXX I did not follow through, since I found a better offer.
09/09/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	IL 60031	Web
My lender told me i was approved on my home loan 2 weeks before the closing was scheduled so my lawyer did not renew the contingency contract since we believed we were approved. The lender moved the closing dates 2-3x & then finally, 2 days before the closing date he told us that our loan got disapproved & that he will restructure & he convinced me to pay higher rate because i was disapproved from the FHA loan we were trying to apply. So now the earnest money i invested worth {$3000.00} i was n't able to get back since we did not renew the contingency contract believing that our loan was approved. Only to be dismayed to know that he was trying to let us pay for higher amount & mislead us that our loan was approved in the first place.
04/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX XXXXX	Web	Older American
My wife and I mortgaged a home in XXXX or XXXX 2015 with PrimeLending A PlainsCapital Company. When we signed the mortgage we understood that " ALL '' escrowitems would be paid for in our house payments. On XXXX/XXXX/15 I received a letter from Prime stating that I owed an additional {$2000.00}!!!! I called Prime ( XXXX ) and spoke with XXXX XXXX. XXXX told me that Plains did not make the payment high enough to cover all escrow items. This is preposterous, Prime was negligent in not reviewing my account in a timely manner! XXXX told me that at least XXXX item in escrow account was unknown to Prime until review. I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. .
11/15/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 32211	Web
I was offered a forebearance because I was impacted by hurricane Irma and was advised that I had to pay the payments at the end. With me being a new homeowner, I had no idea that this meant at the end of the 90 days. I thought it would be added on the backend of the loan. Since I didnt have 3 months of payments to pay at one time, I was forced into a remodification which I received paperwork that I had to sign and return showing a modified amount for XXXX and I did everything that I was advised to do and next thing I know, the payment skyrocket to XXXX. They moved a payment to escrow after I was advised to pay XXXX in XXXX. Now they are saying Im 2 months behind and are reporting to the credit bureau.
09/12/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX XXXXX	Web
I was mislead about different fact about my loan. I was very clear that I wanted the loan to reside with a local person in XXXX. Was also clear that I did not want my loan sold to XXXX XXXX. PrimeLending was not local to XXXX, they are a national loan organization. And they said theyd service my loan. The term service must mean different things to different people because to me that means they will hold the note and not sell it. They ended up selling my loan to XXXX XXXX. I will not have a mortgage owned by a criminal organization. So now I have no recourse but to sell the house I just bought.
02/09/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 956XX	Web	Servicemember
I wanted to buy a home.I shopped around a lot for the best rate.I authorized 3 companies to pull my credit. I went from an 814 credit score to a 740. I have no debt except the house.Several companies pulled my credit after I specifically told them not to as it would affect my XXXX score for some reason I do not understand.XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were not authorized.One online one I closed the page the minute they asked to run my credit & they still checked my credit.Its a way to ruin our credit to make a higher interest rate.
10/04/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20770	Web	Servicemember
I have been in communication with my mortgage company, PrimeLending since XXXX of this year about suspected fraudulent activity by PrimeLending. Attached is the last letter I have submitted to PrimeLending on XXXX XXXX, XXXX by Certified Mail # XXXX. They have refused to address my concerns with silence and have continued to seek the monthly mortgage payments, nor have they addressed my letter prior to that seeking explanation for a purported loan from Primelending and proof with a copy of a check showing Primelending loaned me anything.
02/15/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MO 641XX	Web
XXXX XXXX, of Prime Lending Mortgage, was a lender I was speaking with about possibly buying a home in XXXX, 2015. She disclosed to a real estate broker who I fired that I was buying a home - permission I did not give her - this real estate broker was her friend and her name is XXXX XXXX -and XXXX XXXX threatened to sue me if I used another broker even though she violated our real estate contract. XXXX XXXX violated confidentiality. Both XXXX XXXX and XXXX admit in email they exchanged private ifno about me. XXXX XXXX XXXX, XXXX.
10/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 452XX	Web	Servicemember
We put our loan with Primelending on a biweekly pay in order to pay off our loan faster. While on the phone they told our payment would be processed when received. It has not been. They then sent us supporting paperwork telling us that the half payments would be held and not applied. We called today once we noticed this and they said they hold the payments till they have a full payment. They said that them holding our half payments would make no difference in paying off our loan faster.
12/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70508	Web
I was recently effected by the flooding in XXXX, LA. I have mortgage against the property, I have been out of my house for 3 months now and I have yet to receive any payments from my mortgage from the claim loss to finish the repairs. I have put all of the monies so far to complete repairs. When I call them to get answers I can never any person that is willing to bring it up to a high level to resolve my issue or even consider the pain and suffering my wife and I are going through.
04/06/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	CA 953XX	Web
We reviewed our closing disclosure on XX/XX/2018 and we feeling pressured to sign. Our loan officer did not offer to review with us and we were shocked to find out the loan origination fee of XXXX on a XXXX mortgage loan amount. I feel like they are taking advantage of the New Home Buyer's credit and double dipping into our wallets as the consumer. I would like your help taking action and making sure this company is not ripping other uneducated first time home buyers.
09/20/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TN 38016	Web
I recently received a modification with the 3 trial payments. I've made the 3 trial modification payments and the mortgage servicer still has my property set for property foreclosure. The Property foreclosure sale date is set for XX/XX/2019, why is the mortgage company trying to foreclose on my home when I've made the 3 trial payments and I'm making the first mortgage payment. I have not received my permanent modification agreement as of yet. I need Help!!!!!!
03/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75206	Web
We have money in Escrow to pay our property taxes which were due at the end of XX/XX/XXXX. Today is XX/XX/XXXX, and they still have not been paid and have already accrued two months of late fees. Our lender did not ever contact us to know that the bill was due and had never been paid. We did not know until we were contacted by our builder that our taxes had not been paid. We have called and sent letters to our lender from our builder, but nothing has been done.
12/29/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 278XX	Web
XXXX/XXXX/XXXX We could not use the plumbing so we called the town. They then gave us a plumber named XXXX.He went outside and came in and told us that the plumbing was no good.Why give someone a loan and the house ai n't no count? I feel like we are being put somewhere and we ai n't getting nowhere.We have to give money out and we only been in this house 6 months.How you going to heat two bathrooms with a little water heater?
04/11/2017	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	CA XXXXX	Web
On Saturday XX/XX/2016 I was promised via email by the Branch Manager of Prime Lending XXXX XXXX of the XXXX that I will be refunded for money spent for the termite inspection, appraisal and home inspection. As of today I have not received a refund but was sent a letter stating every excuse possible and no explanation on why I was told I would be refunded and so far nothing has been done.
09/23/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	SC 29615	Web
It is a RESPA VIOLATION to give or receive a thing of value for referring business between lenders and Realtors. XXXX SC is a cesspool of people like Prime Lending buying business at the expense of clients. From XXXX-XXXX on Tuesday X/XX/2017, Prime Lending is having a party with an open bar to thank their referral partners for business in XXXX SC.
07/17/2017	Yes	Mortgage VA mortgage	Trouble during payment process	TX 75071	Web	Servicemember
I have contact my lender ( XXXX ) numerous times concerning the delinquent mud tax for my home. I have faxed the tax document twice and emailed it on XXXX XXXX ,2017. They have given me the runaround and have not paid the tax. There has been interest and penalties attached to the bill. Delinquent Taxes for Account [ Incident : XXXX ]
07/18/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38016	Web
Recently received trial period plan agreement from my mortgage company Prime Lending. I've made the trial payments that were due. I received in the mail a property foreclosure sale for my property set for XX/XX/2019. I've been paying the trial payments that have been required of me. I don't want to lose my home to foreclosure. Please help
07/14/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MO 644XX	Web	Servicemember
I bought my home during the XXXX security breach and lost my identity theives took over my bank account and caused me to miss my mortgage payments i filed a loss mitigation package and while going through the mitigation process my lending was dual tracking my mortgage and continued with the foreclosure process
04/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WV 255XX	Web
Try to make house payment and says that loan has been transfered to another company. I have no notification of this. Was a Prime Lending loan and now I have no clue who it belongs too.
09/23/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	SC 29615	Web
Prime Lending, as well as other lenders in XXXX SC, openly violate RESPA and " provide things of value '' for referrals. The attached showed up in my XXXX feed. Pitiful.
01/25/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MO 640XX	Web	Servicemember
I was dual tracked and lost my home
06/29/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NC 28226	Web
My loan was approved
05/21/2020	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	VA 23009	Web

05/13/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27807	Web

05/13/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Phone

05/06/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage		Phone

05/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37415	Web

03/30/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 64060	Referral

01/31/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	FL 32034	Phone	Older American, Servicemember

10/23/2019	Yes	Mortgage VA mortgage	Trouble during payment process	MI 48875	Web	Servicemember

10/10/2019	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70359	Web	Servicemember

08/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98532	Postal mail

06/20/2019	Yes	Mortgage VA mortgage	Trouble during payment process	NY 14606	Referral

05/22/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 18103	Referral

03/06/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 45229	Web

02/07/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 76244	Referral

02/06/2019	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	CT 06477	Phone

02/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76244	Web

01/30/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 61826	Web

01/22/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	AZ 85250	Web

11/30/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL 32503	Phone

11/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49616	Phone

11/27/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32503	Postal mail	Older American

10/30/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 32221	Web

10/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32221	Referral

08/15/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	OH 44060	Web

07/24/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27603	Referral

07/13/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	WA 98258	Referral

07/03/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 27603	Referral

06/12/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32256	Web

05/31/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	AK 99503	Referral

04/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49616	Fax

04/11/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20770	Web	Servicemember

02/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97266	Referral

01/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78734	Phone

01/05/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 23462	Web

12/19/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 76133	Referral

11/16/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20770	Web	Servicemember

11/12/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20770	Web	Servicemember

10/31/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PA 18302	Phone

10/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19103	Web

08/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	TN 37064	Referral

08/16/2017	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage		Phone

07/22/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23226	Web

07/21/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77573	Phone

06/17/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	SC 29445	Web

05/04/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NV 89705	Postal mail

04/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07730	Web

02/27/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TX 75068	Web

01/25/2017	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 79412	Web

01/19/2017	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	VA 24343	Referral

12/19/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	OR 97231	Phone

12/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 76227	Web

11/21/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	WA 98146	Web

11/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32225	Web

08/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29730	Referral

08/16/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 95219	Referral

08/01/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NC 28730	Web

08/01/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NC 27587	Postal mail

07/26/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 76134	Web

07/13/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 33026	Web

07/11/2016	Yes	Mortgage VA mortgage	Application, originator, mortgage broker		Phone	Servicemember

06/29/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 32549	Web	Older American

03/24/2016	Yes	Mortgage Other mortgage	Settlement process and costs	ID 83713	Referral

02/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29622	Web

02/12/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	MD 20814	Web

12/30/2015	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	OH 45233	Referral

12/20/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 32563	Web

11/17/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	SC 29483	Referral

09/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32205	Referral

09/22/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 76092	Web

09/14/2015	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	PA 18250	Web

08/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KS 66032	Referral

07/22/2015	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	OH 45424	Phone	Older American

04/23/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 76244	Referral

04/06/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	KS 66030	Web

04/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KS 66218	Web	Older American

03/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95991	Web

03/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20008	Web

02/23/2015	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	GA 30809	Web	Servicemember

02/21/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NY 10314	Web

02/04/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	MA 02186	Web

12/30/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 32504	Web

12/09/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NY 12308	Web

11/25/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MS 39202	Referral

10/28/2014	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	OH 43125	Web

10/26/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30066	Web

10/22/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TN 38128	Referral

09/09/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	VA 22603	Web

09/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43125	Web

08/30/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	AZ 85262	Web

08/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 87111	Web

07/20/2014	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	NM 87124	Web	Servicemember

06/13/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 02129	Web

06/12/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 75785	Web

05/20/2014	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	FL 32217	Phone	Servicemember

04/28/2014	Yes	Mortgage VA mortgage	Settlement process and costs	TX 76179	Web

03/31/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92113	Web

03/11/2014	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 32536	Web	Servicemember

02/25/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NC 28043	Web

02/12/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 32097	Web

02/04/2014	Yes	Mortgage Other mortgage	Settlement process and costs	TX 75126	Referral

01/29/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OR 97230	Web

01/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 23111	Postal mail

01/14/2014	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	AE 09046	Web	Servicemember

01/06/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	VA 20124	Web

12/19/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NY 14526	Web

12/16/2013	Yes	Mortgage Other mortgage	Credit decision / Underwriting	IL 60411	Web

12/11/2013	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	MO 65775	Referral	Older American, Servicemember

10/18/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 36109	Web

09/05/2013	Yes	Mortgage Other mortgage	Settlement process and costs	MO 64105	Referral

07/18/2013	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 76131	Web

07/16/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TN 38058	Referral	Older American

07/11/2013	Yes	Mortgage FHA mortgage	Settlement process and costs	FL 32080	Web

06/26/2013	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	CA 95628	Web

06/05/2013	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 78239	Web

03/13/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 92562	Web

03/01/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AR 72209	Referral

12/19/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75165	Web

12/10/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	KY 40205	Web

07/11/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	AZ 85205	Postal mail