RoundPoint Mortgage Servicing Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/11/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TN XXXXX	Web
I purchased my home in XXXX XXXX for XXXX It was nearly a complete reno. I invested over 20k into the home to restore it since it was built in the XXXX XXXX. I maintained a perfect payment history record with my mortgage company Round Point Mortgage since the beginning of my purchase. OnXX/XX/XXXX I experienced a personal tragedy and was severely injured. I was XXXX and suffered financially since I am XXXX XXXX. I own a XXXX XXXX XXXX XXXX that supports myself and my XXXX small children XXXX & XXXX years. I reached out to Round Point on XXXX for help with my financial struggle in hopes that they would allow me the opportunity to regain my physical strength and restore my finances with the intent to get back on track as soon as possible and continue with perfect payments. I filed for mortgage assistance initially in XXXX XXXX which was, in my opinion, a deliberately unorganized process that was drug out excessively and intentionally by the lender. I submitted my application, medical paperwork and statement about what happened and begged for their support. In XXXX XXXX, I was asked to " re-file '' since it was now XXXX and they were still coming back with " more request for documentation '' Each time they requested documents I asked if this was it or if there was anything else they needed to go ahead and get this pushed through. I was advised that the mortgage company has no way of knowing if the documentation is sufficient until it is reviewed and at that time they may still need more info. They also could not send me the original application I mailed in so I had to re-submitt everything. This initial completing of the application and submitting all of the newly required documents continued for a couple more months. During this time, I received a letter by regular mail informing me of the possible risk of foreclosure. I immediately contacted my direct point of contact XXXX XXXX with Round Point Mortgage who advised me to disregard the letter. He said that it is automatically generated and once they receive all the documents they need for the mortgage assistance application the process will be halted. I was put at ease and told not to worry about this. XXXX said that the last thing they would want would be to foreclose on me and that they would work with me until no options were left. It was XXXX that I called to check and finally heard on XX/XX/XXXX that I had a complete application with all documents and it looked like " a no-brainer '' said my agent and that " I should n't have any problem being approved '' So, at this time, my application is being reviewed and I am relieved and feeling hopeful that there will be help for me soon. I called in regularly to check the status of my application because I did not hear anything from my mortgage company. I would get a generic response of " It 's still being reviewed but everything is halted we just need a little more time to look over this '' I finally received a letter onXX/XX/XXXX stating that I was not approved. The reason given was they viewed my financial struggle as being " long-term '' and I did not have enough income to qualify. I can not believe that I am submitting an application for financial assistance due to a hardship and am told I do n't have enough income to qualify and they decided to deny me on this excuse. I filed an appeal the same day that I received the denial letter on XX/XX/XXXX. I submitted my appeal which would continue to hault any forclosure proceedings as explained by my direct point of contact XXXX XXXXt. The appeal process seemed to take just as long as the initial application process. However, I submitted all the necessary documentation required to prove that my financial situation was in fact, beginning to rescind and that I would be back making payments in a few short months. I decided to list my home just in case for some reason the appeal was not approved. I was told by RPM that even if the appeal was not approved, there would be other options that we could look into at that time. The first person that saw my home made an immediate offer and I accepted it. We went through the process of inspection, repairs and all were completed within a few short weeks. The closing date was set for XX/XX/XXXX and a full price offer was made. RPM would get a FULL payout interest and all. I sent all of this documentation to RPM via my direct point of contact XXXX XXXX. I asked specifically what documentation he needed and I was advised just to send in the contract on the home and if I had it, the inspection and repair approval docs. I submitted these and was told " we have everything we need '' followed up by, " the process has been decided and RPM agrees to give you a 30 day extension past the date of closing to allow enough time to complete the sale. '' This was said on a recorded line by XXXX XXXX on XX/XX/XXXX. I recieved a concerned call from my realtor asking me if I was aware that my home would be sold at auction on XX/XX/XXXX. I was floored and assured him that he was misinformed. He said that he personally knew an investor that was working with my mortgage company to buy my home. I am assuming this was done underhanded. I contacted my mortgage company right away and was in total panic. I spoke with XXXX XXXX as soon as the phone lines opened on XX/XX/XXXXto understand what was happening. He read me the notes on the account ( on a recorded line ) that stated " just as he suspected '' I was granted the extension and they would allow me to sell the home and gave me 30 days past the closing date ofXX/XX/XXXX to finalize everything. He said that it has been passed down to every department and XXXX XXXX XXXX XXXX have been instructed to halt the sale of my home. Again, this was said on a recorded line. I bursted into tears in relief on the phone with XXXX thanking him excessively for his help. I contacted my family and friends and let them know that my mortgage company has agreed to let me go ahead with the sale which would occur in 9 days. Later that afternoon, on XX/XX/XXXXI received a nervous call from my direct point of contact, XXXX XXXX telling me that he has no idea ( recorded line ) how this happened but my home will be sold at auction today XX/XX/XXXX!! I almost fainted. He said that he read the notes to me clearly and correctly but somehow they must have been incorrect becuse it shows they went ahead and listed it for auction. I demanded an excuse as to why this happened after I was promised that I was granted the short sale. My direct point of contact said he had no idea how this could even hapen and would find out himself because it was wrong! After almost an hour on hold, all he could come back with was " the investor was not convinced. '' I demanded to know what could have convinced him/her since I was ( as I previously stated ) ready and willing to submit anything he/she needed " to be convinced ''. I was also told that they had " everything they needed. '' After another long hold, I was informed that there was a sheet that lists out the table of what RPM would receive from the sale that he would have liked to have. I explained that I could have easily sent this in less that 5 minutes but again, was told that they had everything they needed ( on a recorded line ). I even offered to send it in before the sale was finalized ( right then ). The contract ( attached ) on my home was for 130K Conventional loan. RPM Would have received a full payout including interest from the short sale so I have no idea why he was not " convinced '' XXXX XXXX finally said there was nothing I could do and I was not allowed to speak with the lender. I was told that " Lenders are not phone facing right now. '' I asked about the status of my appeal since I had heard nothing. He told me they decided 1 day before the sale to deny it and just failed to let me know this. Or, give me any time whatsoever to take advantage of those " other options '' I was promised I would have to save my home. My home was sold at auction on XX/XX/XXXXfor XXXX I only owed a total amount of XXXX ( XXXX with interest ) Since interest collection is not allowed at auction, this left an overage of XXXX which I am due. I attempted to contact the REO team at reoinbox@roundpointmortgage.com and called them at ( XXXX ) XXXX and have received no response. I contacted XXXXXXXX XXXX XXXX ( attorneys ) and was told that they have no information. I requested a copy of the sale documents and was told I can email my request which I did but received no response. The investor that bought my home came by and knocked on my door to inform me that he was the one that just purchased my home. He gave me two options, he could either evict me or I could give him the keys for {$500.00}. My children were crying at the door and out of desperation, nearing a panick attack, and being a single mother with absolutely nothing at this point, I agreed to make the exchange to avoid losing my personal belongings. The investor that purchased my home at auction is XXXX XXXX ( affiliate broker ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone : ( XXXX ) XXXX cell. After this tradgedy, I rallied help packing and removing my things and moved out on XX/XX/XXXX. I am in the process of interviewing and hiring an attorney to find the best fit to make this a complete wrongful foreclosure case. RPM did not go about the proceedings correctly and failed to keep me informed during the process. They basically sold the home out from under me and then failed to send me the overage I was due. I can not begin to tell you how fraudulent this feels and how I was basically cut out of the sale after my home was sold out from under me. Round Point Mortgage really hurt me emotionally and mentally. They also let me down with how they treated me and I have suffered XXXX XXXX and XXXX XXXX since this incident. To go through losing your home after almost losing your life has been the worst experience of my life. In summary, my complaints are 1 ) Regarding how the initial mortgage application assistance process was handled and severely delayed. 2 ) How sorely unorganized and difficult the application process was. 3 ) That I did not receive proper communication. 4 ) I was never properly informed that my home was being foreclosed on. 5 ) Round Point did not follow the correct legal proceedings. 6 ) That Round Point auctioned my home before even letting me know that I was denied the appealed assistance I requested. 7 ) Round Point lied to me on a recorded line and told me that I was approved for the short sale and would be allowed time to sell my home but then turned around and sold it anyway. 8 ) Round Point failed to respond to my request for information regarding the sale and did not send me the overage from the sale of my home. 9 ) That due to this situation I have suffered XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. My children have also suffered emotionally and mentally from being displaced and torn away from their home after just losing their father.
01/03/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	UT 84790	Web	Servicemember
From the desk of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, Utah, XXXX XXXX XXXX To Whom It May Concern, XXXX XXXX, XXXX This letters purpose is to explain the circumstances which have resulted in my acquiring help from XXXX XXXX, XXXX XXXX, to assist me with issues with my primary residence, located at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, within the XXXXzip code. The issues date back to XXXX XXXX, XXXX. I signed paperwork to purchase this property on XXXX XXXX, XXXX. My first payment was due XXXX XXXX, XXXX. ( Car Accident ) On XXXX XXXX, XXXX I was in a car accident in XXXX XXXX Utah that resulted in XXXX and XXXX XXXX. The XXXX XXXX kept me in XXXX XXXX XXXX for a few days as I was into much pain to make the drive. My mom who was watching my kids at the time had to go back to work, so she took my kids with her to XXXX XXXX Utah. She shut off the lights and the A/C to save my power bill. I arrived home on the XX/XX/XXXX. ( House Flood ) On XX/XX/XXXX when I arrived home the house smelt terrible. We went into our basement to find that one of the bedrooms had flooded and smelt of mildew and mold. We called our insurance who put us into a hotel and sent a mediation company ( XXXX XXXX XXXX ) to come clean up the water and mold damage. ( EXHIBIT A ) ( Re-XXXX XXXX ) We stopped by our house on XX/XX/XXXX and found that XXXX XXXX XXXX XXXX had turned on the sprinklers to find out where the leak in the foundation was coming from. He didnt turn them back off and as they are on a cycle it re-flooded the basement but this time with no carpet or items to stop the water flow it flooded into the movie room, guest bedroom, hallway and 3 other bedrooms on the basement level as it had been running all weekend long. At that point they were using one of my fathers personal fans to dry one of the bedrooms out because they had so many de-humidifiers and other fans going and didnt want to bring in more. ( Come to find out they never tested the mold as they told me they did ) ( House Fire ) XX/XX/XXXX I was coming back from a Dr. appointment and I got a phone call that my house was on fire. It burnt 2 of the bedrooms in the basement to studs. The other rooms due to the high airflow from the industrial fans, had severe smoke damage. I was devastated! XXXX XXXX and XXXX XXXX arrived at my house with the fire still going, apologizing excessively and ensuring us they would fix it fully. XX/XX/XXXX, we started giving our items to XXXX, XXXX and XXXX. We went through the upstairs of the house. The soot and smoke were gut wrenching and severe. The basement was locked down by the fire inspectors until a cause could be determined. XXXX Sent out 3 different adjustors to go through the house and asses damages and determine the scope of work. We then spent weeks going through contents with XXXX XXXX ( A organization that helps value the contents ). We never once were warned of smoke damage or the dangers of soot, or the possibility of asbestos in the house. 4 different Fire inspectors came out and took statements, walked through the house and asked questions and took pictures. We lived with my husband, XXXX kids in a hotel for almost a month and a half. We had to find housing for our dogs. The hotel had no kitchen and was in 2 rooms so tight quarters made for a strenuous situation. When your used to 3800 sq. feet, 2 small rooms suddenly seem sheer crazy. ( Asbestos ) Unknown to me on XX/XX/XXXX XXXX XXXX XXXX had someone come get samples and test the house for asbestos. I was told on or after XX/XX/XXXX I was told that they house had tested hot for asbestos, but that I shouldnt worry they were going to mix it in with some other particles and re-submit the test. I was told that if it came back over 1 % that it would be federally regulated, and they could take my house. Tests came back with multiple types of Asbestos. I was also told it was safe to continue to be in the house by XXXX XXXX ( owner of XXXX XXXX XXXX ) and that I would have to be a coal miner for 30 years to have it ever affect my husband, me or my children, all of whom had been in the house. Never once did I see them have any face masks or pre-emptive gear to ensure soot exposure or give any warning to my family, husband or the employees. ( EXHIBIT B & C, Some of B was to large to up load, please email if requested ) On XX/XX/XXXX, I sold my company to an employee because I simply didnt have the time to manage my property, my children in a different house/hotel, and the financial and time burden this house fire put me and my husband ( XXXX XXXX ) in was unmanageable. Contracts didnt get signed until XXXX because we physically couldnt make it down to XXXX XXXX. ( EXHIBIT D was to bit to upload please email for copy if requested ) XX/XX/XXXX Tried negotiating with XXXX XXXX to make house livable and document construction defects and damages with an Explanation Summary. ( EXHIBIT E was too large to upload, please email for Exhibit ) There have since been additional defects and damages found. XXXX XXXX The new owner of our business defaulted on his payment for the company and rent. We received a call from the landlord in XXXX XXXX that we could come pick up what he had left. We lost our business in the process and the financial stability that it brought on top of the investment that we had put into the business to build it. XX/XX/XXXX, we fired XXXX XXXX and XXXX XXXX for the terrible work they did. I notified Round Point Mortgage. The work they did to the house has left this house un-sellable. We now have cracked floor Joyce, un-sealed beams ( still smell of smoke and fear of asbestos ), a crack in the foundation, unsealed windows and incorrectly installed windows and doors, they installed a door and staircase over a newly installed window well, the house has cracks through-out the driveway and broken tile in the entry, incorrect plumbing ( including they installed a completely rusted pipe ), light switches installed inside cupboards, multiple code violations and the list goes on. XX/XX/XXXX a Construction Lien was filed on the property. Civil No XXXX in the XXXX Judicial District Court in and for XXXX County, State of Utah. At that point there is a lengthy legal battle. I have retained 3 different attorneys. The financial strain of this has been sever. ( EXHIBIT F ) XX/XX/XXXX, I got a notice of my mortgage price increase, ( Loan # XXXX ) and started working to do a loan modification. My payment increased from the liability insurance or for whatever ( unknown ) reason Round point Mortgage has increased my payments, up until that point I was making my payments on my house. I have continuously provided them with the documentation they required. I have sent countless emails to them about my hardship. I have provided them with documentation of my hardships and of the ongoing legal battle. I was told to that I should not pay in order to do a loss mitigation loan modification. I was first told to mail in all my documentation, I wish now that I would have kept a copy of the 1st hard ship letter, and the 2nd one. By the time I sent in exhibit G I was annoyed with the time and was certain no-one ever even read my last 2 hardship letters. ( EXHIBIT G ) I have emailed or corresponded with countless employees of Round Point Mortgage and have been repeatedly told that I cant talk to one specific person. I have spoken to them over 54 times on my call logs since XX/XX/XXXX. I have repeatedly sent Round point Loss Mitigation, bank statements, explanation of bank statements, the tax form, hard-ship letters, proof of the fire and of the lawsuits, proof of income, proof of social security, proof of child support, signed the same tax form multiple times, I have literally spent at least 5 hours a week getting documentation and getting my father ( XXXX XXXX co-signer ) to sign and provide the documentation. I have spoken and emailed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been constantly re-assured that they have all the documents and to check back in 3 days to ensure they have been put in the system just to have them tell me they need the same document that I just provided them or for them to wait until one expires to have them need me to re-submit it. In XX/XX/XXXX my husband got an XXXX in his XXXX at work and ended up spending over a week in XXXX XXXX XXXX in XXXX Texas. ( EXHIBIT H ) XX/XX/XXXX the XXXX came back and he ended up having to have XXXX on his XXXX. Leaving him non-weight baring for 3 months. ( EXHIBIT I ) On XX/XX/XXXX my Husband and Son both had XXXX XXXX. XXXX ( Husband ) had complications that landed him in the hospital for over a week and in the XXXX with XXXX XXXX XXXX and sedated for an additional week. He then caught XXXX from being intubated for so long and had to spend a few extra days. I attached my jury duty release Dr. note. All of this resulted in additional costs and additional hardship. The whole time I was in the hospital I was having family scan and send me the documentation for the loan modification, so it didnt fall behind. ( EXHIBIT J ) Me and XXXX XXXX and with the support of my husbands VA XXXX XXXX from the XXXX we exceed the income requirements, yet it doesnt seem to matter how much we make or what we hand in the same story is given, they need just a few more forms. I have never met an impossible task. This is impossible. On XX/XX/XXXX the Courts of Utah ordered on a XXXX. Case Number XXXX in the XXXX Judicial Court in and for XXXX County, State of Utah. ( EXHIBIT K ) XX/XX/XXXX XXXX XXXX XXXX provided a minimum financial requirement to make the property un defective. ( EXHIBIT L ) On XX/XX/XXXX I got a Notice of Trustee Sale taped to my door. I have continued to try to work with Round point but to no hope of an honest effort from them to make it work or any actual answers as to what I can do to stop the sale. ( EXHIBIT M ) I would like to keep my house. I have XXXX children and am the current power of attorney and provider for an additional XXXX children. I have invested a lot of money in this house. I personally have done construction on it and have put hours into repairs and expenses into repairs. I am fighting the lawsuit to bring this property back up to code and to the livable condition it should be in. I have continually worked with Round point Mortgage on a regular and timely manner and have gotten only stall techniques with no answers. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX XXXX XXXX
07/28/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 94621	Web
Near the end of XXXX of XX/XX/XXXX, we were put on this loan modification trial period. This was not a modification that we requested or signed up for. In fact, to this day I still have no idea how we were placed on this modification, because the loan servicing company handling the account for the Mortgage company, has refused to this date to explain how we were placed on this Modification trial period. A Modification that had us paying roughly {$300.00} dollars less then our normal Mortgage payment amount of {$1900.00} At the time we were 2 payments behind after catching up from being further behind because of late Worker '' s Compensation payments. We were told that more information would be forthcoming, which never happened. At no time did we ever receive in writing any information that explained the whole process or what the modification would look like. Which I complained about in calls to the company during the whole modification process, from XX/XX/XXXX to XX/XX/XXXX I just kept being told that they were coming soon. What I did finally receive was final paperwork to finalized the modification, that I was never told was coming as I had not agreed to anything nor did I apply for the modification. They just expected us to blindly sign up for a modification that we never requested or knew anything about. A modification that we were without prior knowledge or intent placed upon. XXXX ofXX/XX/XXXX was the payment trial period and at the end of that trial period for the months of XXXX and XXXX RoundPoint Mortgage Servicing absolutely refused to take a Mortgage payment over the phone or online. I finally just wound up mailing one payment in that took a month for them to process causing more late fees. Late fees that I was charged during the modification process as well for the regular Mortgage payments because of the process that they placed us on and by refusing the payments it put us further behind. When we did not sign the paperwork that was sent and had notarized, 1. ) because we had absolutely no idea what we were signing up for, because we were never given any written information about what the modification was, prior to receiving the final paperwork, how long the modification was for, the interest rate what the modification entailed and so forth. 2. ) We were never notified that the paperwork was coming and it was the XXXX XXXX holiday, nor were we told that it had to be notarized before hand. though I was told after wards that someone attempted to call, there was no voicemail left, as no one ever left a voicemail, nor followed up by email as was requested, due to to treatment schedule for the injury I sustained. We also found out later that we had other options open to us that were never discussed or addressed as options nor would they discuss other options, especially since we NEVER APPLIED for the MODIFICATION in the first place. When we, as it was put " failed to sign '' the agreement that we never applied for, in order to go through the modification again, we had to turn in all this paperwork to get approved to be accepted for a modification that WE never filled out before. Now with the refusal to accept our Mortgage payments and the lower payments, which were not going to be our new payment, it was suppose to be roughly {$150.00} higher then the trial payment, we were now even further behind on our mortgage payments. Once I filled out the paperwork that was emailed to me I asked for an Address to mail it to, which they refused and insisted that I upload it to the computer and email it back. So I did on XX/XX/XXXX to the loss mitigation email address and to XXXX XXXX XXXX email. A little over a week went by and no word, so I called RoundPoint and talked to XXXX XXXX who told me that she could not find the paperwork and had me resend it to her, which at first we were having issue as the attachments being sent were not uploading properly on their end. The paperwork was sent by email multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to XXXX XXXX. Nobody giving me the Physical address to send the paperwork to and in fact XXXX told me that if I did, it would only start the process over again and delay it further. After this there was still no answer and took another three calls to find out that the application had been closed because they were missing paperwork that I did not know was missing because I was not told and through this time of process no one called to tell me or sent me any notice that anything was missing and after talking for more then an hour to this older XXXX american man in his late XXXX XXXX to early XXXX XXXX who went through countless emails and notes told me finally that one page did not come through and told me what it was, which turned out to be a second income statement which was my XXXX payment which was identical to the second one that did process. since it was closed I had to start it over again, but in the meantime the foreclosure process was started. A process that never should have happened in the first place had someone not placed us without our knowledge or consent placed us on in the first place. Now here we are again with out the necessary information about the modification because it was mot sent prior to payment trial period and was not received until a week before the final payment, XX/XX/XXXX. The new copy that was sent was still not legible, as all the characters in the font that was used was smashed together like XXXX example : theendofthe ) some of the characters were even overlapping. It was then copied and pasted in a text, but upon reading, I noticed that sentences were not complete and RoundPoint was notified in writing onXX/XX/XXXX after I had contacted the Mortgage Company, XXXX XXXX and explained the issues I was having with their servicing company Roundpoint and how on XX/XX/XXXXI had in writing contacted RoundPoint and told them about the issue with the email from them and requested a new copy and how it took another 2 months. They have played middleman but do not want to get more involved than that because of the complaints filed about Roundpoint. Again they are trying to push through paperwork that we have not agreed to and know that we have other option which we have yet to receive the documentation that we not only requested but are also entitled to by law. 1. ) I requested just after we found out that we had gone into foreclosure, the amounted needed to stop the foreclosure and was told it would take several days and up to a week to compile and then they would get back to us. DID NOT Happen nor did we receive in a statement to be mailed to us. That number was never supplied to us and we are still waiting. 2. ) I requested that and KNOW that this is one of the available options, if we could get the back payments caught up what payments for the modification would look like. Have not received anything 3. ) I have requested the cash out option amount as my Worker 's Compensation case is coming to a close. Have not received. 4. ) Requested loan modification details in writing through the mail as I will not accept another emailed copy. Last sent XX/XX/XXXX through the Mortgage Company XXXX XXXX and informed them that I still have not received that paper work as of XX/XX/XXXX, when I contacted them again about the issue and it was forwarded to the Servicing company by my main contact, XXXX XXXX, a Supervisor at XXXX XX/XX/XXXX ho has also informed her Direct Supervisor. The next issue is that since I was missing one document that I did not know about and the modification application that I filed for the first time was canceled because of missing income. But that the current application was accepted even though I was missing a piece of information that they requested, Yet between the two applications I filed a complaint against them, which they closed after accepting this application and never addressing the complaint and even went so far as to saying they needed more time to address and actually closed it 2 weeks early after the application was accepted and the individual handling the complaint, XXXX XXXX, was no longer employed by RoundPoint Mortgage Servicing.
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI XXXXX	Web
COVID-19 Loan Modification is reported as Paying partial payment agreement Credit Reports are showing Unknown or Data Unavailable status rather than Current during the duration of the COVID-19 Forbearance The month the Loan Mod was executed shows no data, all later months have incorrect Scheduled Payment amounts which do not match the amount billed ( which is the amount that was paid ) XXXX is reporting XXXX and XX/XX/XXXX as in Forbearance The COVID-19 related protected status does not seem to be reflected from XX/XX/XXXX ( month entered into COVID-19 forbearance ) and XX/XX/XXXX ( first month of COVID -19 Loan Modification Trial Period ) XX/XX/XXXX Phone call with RoundPoint First Agent Agent states we do not report forbearance as current transfers to escalations Escalations Agent believes all information was input correctly on their side reported as current will verify Incorrect scheduled payment amount will dispute XXXX shows forbearance in XXXX & XXXX XXXX will verify Loan Modification is always reported as Partial Payment Agreement Agent believes that only the COVID-19 forbearance is protected under the CARES Act, not the Loan Modification We provided link to FDIC reporting instructions may be outdated Asked to send letters involving forbearance and loan modification 1 to 2 business days Advised to call back XX/XX/XXXX Advised that nothing needed to be submitted in writing XX/XX/XXXX Received letters from RoundPoint two documents only. Incorrect Loan Modification and the loss mitigation packet that was not required for COVID-19 impacted loans. I believe that the core issue with the reporting is the same issue we had with the servicer multiple times failure to treat the loan as a COVID-19 impacted loan in addition to data entry errors. COVID-19 Impacted Timeline In XX/XX/XXXX, I notified my mortgage servicer, RoundPoint, that my employer was going to be implementing pay cuts that may affect my ability to make timely payments. On XX/XX/XXXX, I was permanently laid off. I immediately contacted RoundPoint and was told I would qualify for a COVID-19 forbearance. Roundpoint informed me that XXXX payment would still be made as scheduled. XXXX payment was also auto withdrawn, though I was told that would not happen. On XX/XX/XXXX, a letter was sent outlining the COVID-19 forbearance terms. The first three bullet points are as follows : Payments are suspended for up to 6 months. Credit will report as current and active on the COVID-19 Forbearance Plan. The loan will report to the credit reporting companies as current and active on a forbearance plan. This letter outlined {$0.00} payments from XX/XX/XXXX XX/XX/XXXX Round Point sent monthly emails asking if my income was still affected by COVID-19, which I answered in the affirmative. I was able to make full, timely payments through XX/XX/XXXX. In XX/XX/XXXX, I was called by the servicer to ask about my missed payment in XXXX. I informed them of the COVID-19 forbearance plan, which they were able to access after around 10 minutes. On XX/XX/XXXX, a letter was sent outlining the COVID-19 forbearance terms. The first three bullet points are as follows : Payments are suspended for up to 6 months. Credit will report as current and active on the COVID-19 Forbearance Plan. The loan will report to the credit reporting companies as current and active on a forbearance plan. On XX/XX/XXXX, a letter was sent outlining the COVID-19 forbearance terms. The first three bullet points are as follows : Payments are suspended for up to 6 months. Credit will report as current and active on the COVID-19 forbearance plan. The loan will report to the credit reporting companies as current and active on a forbearance plan. This letter also outlined the {$0.00} payments due from XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I reached out to the servicer to discuss next steps. At this time, I also added my wife as an authorized representative on the account. The servicer advised that a Mortgage Assistance Application needed to be filled out and submitted ( which I later found to be incorrect as I was affected by COVID-19 ). That was complete and sent the following morning. On XX/XX/XXXX, a letter was sent informing of an approval for a Flex Modification, however the terms were that of a normal modification rather than a Covid-19 Flex Modification ( interest rate at 4.125 % rather than 2.875 % ). My wife called immediately, and after explaining the error multiple times had the issue escalated to a supervisor. On XX/XX/XXXX, she was contacted by the servicer to inform us that there was indeed an error, and we would be receiving the Covid-19 Flex Modification details soon. On XX/XX/XXXX, a letter was sent outlining the terms of the COVID-19 flex modification. The trial period included three payments of {$1300.00} due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At some point during the Trial Period, a letter was sent from the servicer notifying me that the loan was delinquent and if I did not contact them the foreclosure process may start. I contacted them immediately, and they told me it was an error and to ignore the letter. On XX/XX/XXXX, the Loan Modification Agreement was sent. On XX/XX/XXXX, the fully executed copy of the modified loan was sent. The payments made during and after the modification trial period are as follow : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} * XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} *This month was a strange number and may be contributing to other issues, but it was the amount listed on the billing statement. Currently, the mortgage payments show as Unknown from XX/XX/XXXX XX/XX/XXXX, Current, paying or paid as agreed XX/XX/XXXX, Unknown XX/XX/XXXX XX/XX/XXXX, Current, paying or paid as agreed XX/XX/XXXX - XX/XX/XXXX. The remark on the account is Paying partial payment agreement, nothing seems to be coded as a COVID-19 agreement. On XX/XX/XXXX, XXXX alerted me of a Major Derogatory from Roundpoint Mtg. It looks like your account with Roundpoint MTG received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. XXXX top-level breakdown is showing one account over 90 days delinquent, which is almost assuredly the mortgage. This mortgage is not nor has ever been considered delinquent, and every payment made since XX/XX/XXXX has been the exact amount listed on the billing statement. Further, my credit report shows that they were not, in fact, reporting the mortgage as current and active on a Covid-19 forbearance plan throughout the forbearance period. Again, I am requesting that the payment and delinquency history be modified to current, as set forth in the terms of the COVID-19 forbearance plan, and in compliance with the CARES Act. There should be no late or delinquent payments reported. The payment amount reported after the execution of the loan modification should be the amount that is listed on the billing statement. Paying under a partial or modified payment agreement should be removed, as this was a COVID-19 Loan Modification accommodation.
08/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 20105	Web
RoundPoint Mortgage Servicing Co. XXXX XXXX XXXX XXXX, NC XXXX IS MY MORTGAGE COMPANY SMARTER THAN A 5TH GRADER? WHATS THE ISSUE? In a nut shell my mortgage company, RoundPoint Mortgage, drained my entire escrow account in XX/XX/XXXX, refused to admit in doing so, refused to inform me in writing, refused to make correct per their written welcome letter ( after they assumed my existing mortgage ), and a failure to correct my escrow account even after owner funds were received. Wow So nothing has gone right. Lets explore the details. What Happened? In XX/XX/XXXX RoundPoint Mortgage Servicing Co. assumed my mortgage. RoundPoint issued a welcome letter which stated, If your monthly payment currently includes escrow for taxes this will continue without interruption. XX/XX/XXXXRoundPoint issued a check for XXXX and stated there was an overage in my escrow account and were required by law to issue back those funds. In XX/XX/XXXX, RoundPoint issued a letter stating my escrow account has a shortage of XXXX and that I either paid that amount back or they will increase my mortgage. What Happened Next? On XX/XX/XXXX I called and asked to speak to manager. I was placed on hold for ( 2 ) periods at 10 minutes apiece and later disconnected. Then my request to speak to a manager we refused. Second attempt I was on the phone for nearly 2 hours in-which no RoundPoint representative could explain definitively what the problem was from. I was informed that the problem most likely was from an increase in my County Tax by {$3000.00} from XX/XX/XXXX. RoundPoint requested that I send them a copy of my payment history for the past year. RoundPoint also requested that I send them a copy of my county tax bill. To Recap : Instead of identifying the problem within that 2 hours the representative told Me to research the problem after my day at work and e-mail him back the next day. My Research : As insulting as that was to tell me to provide them with documents it actually was a fascinating exercise. My county tax never increased a dime let alone XXXX as RounPoint claimed. I am convinced that RoundPoint knew what the issue was but refused to tell me on the phone ( hence being placed-on-hold multiple times ). RoundPoint internally provided their own Account Projections in XX/XX/XXXX. and determined at that time that I should only pay half of the county tax for XX/XX/XXXX year ; which projected an overage in my escrow account which they mail back to me. So to Recap : The account projections is their annual check ; in-which, they had all the information they needed from when they assumed my loan in XX/XX/XXXX. It is not a secret that County Tax is paid twice a year. In fact, I had to call RoundPoint on 2 separate occasions prior to this issue because I receive a letter from my local County that I was delinquent paying my taxes. RoundPoint told me on the phone if they were short any amount that they would remedy. Furthermore, its so hard to realize that County Tax could increase XXXX in one year and that would be their excuse to me is unethically. I called the next day XX/XX/XXXX, and I spent another 2 hours explaining what the problem was and not the other way around. RoundPoint refuses to allow me speak to a manager. I had to explain that County Tax never changed and that RoundPoint failed to log in the yearly County Tax. RoundPoint failed to admit to an accounting error. Failed to recognize their own welcome letter that stated my contracted escrow will, continue without interruption. Poor Business Ethics : One respresentive with RoundPoint finally admitted that they failed to log in the County Tax correctly ; however, I was still responsible to pay {$2400.00}. for their accounting error. No other business would tell a customer that they had to pay for their accounting error 6 months later. No other business would tell a client to do their own research. No other business fails to tell the truth when a customer calls. No other business would fail to bring a manager to the phone. No other business would issue a letter stating that your escrow will continue without interruption, after they assumed a contract, and then not take Any Responsibility once an error was discover from their behalf. My Financial Hardship : I signed a legal contract when I purchased my home and that mortgage amount is a solid part of budget. After RoundPoint assumed my original mortgage they changed the legal terms of my contract to reflect their accounting error. RoundPoint violated my mortgage contract. RoundPoint has placed me in a financial hardship and I have no confidence that they will be able to correctly determine my escrow in future years. RoundPoint never issued any changes to escrow in writing other than a letter stating I have a shortage amount and I have 4 weeks to make a decision. This accounting error has put my entire family of XXXX in a financial hardship ; including mental stress and anxiety. Conclusion : This is a simple 5th grade math error on account of RoundPoint Mortgage Co. ( County Tax / 12 months ) ; in-which, they had all the information they needed from when they assumed my legal mortgage contract. RoundPoint assumes no responsibility and has forced me into a financial hardship. How many countless others are affected by a similar issue ; which is why I have provided this open letter to be issued to so many other sources. Even after RoundPoint sent a XX/XX/XXXXa letter telling me that if I paid the escrow shortage in full then my monthly mortgage would revert back to the original amount prior this account debacle. However, our XX/XX/XXXX our latest statement was still incorrect for the monthly amount even after our escrow check had cleared. I had to call once more to verify that RoundPoint received our check and ask why my mortgage payment was incorrect. After a half hour on the phone they acknowledge the receipt and payment of my check but would not send a receipt or just and e-mail letter to verify that the check would be applied to my escrow shortage. Leaving me on rely on the word of a customer representative. How could this be acceptable after the lengthy problems I have had with RoundPoint Mortgage. This does not foster trust with me, the homeowner, nor does it demonstrate fiscal responsibility with my mortgage contract, taxes, and money. I have owned two other homes and never once did I have to call the mortgage company to request that they pay my county tax on time or to deposit additional funds due to their mishap.
08/18/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 237XX	Web	Servicemember
Addressed to RoundPoints Legal Department, I have been a loyal Roundpoint mortgage account holder for almost five years. I have been through several different employment situations, but always ensured that mortgage payments were made in a timely fashion. However, I believe that Roundpoint is the culprit of a predatory lending practices and trying to induce foreclosure. The property requires extensive work to both get it to a safe living condition and to sustain it, but this was outside my skillset and income. After doing the best I can for several years I had no choice but to Short Sale the home in hopes for it to be in the ownership of someone who could properly tend to houses needs. I started my Short Sale process with Roundpoint in XX/XX/XXXX and as of XX/XX/XXXX I am still awaiting approval of Short Sale. Even with COVID-19 as a factor, dragging out a standard 3-4 month process to 9+ months is unacceptable and due for investigation. This process has been exhausting, frustrating, absolutely ridiculous, and borderline criminal. Lets review : 1. To start, the first 4 months ( XX/XX/XXXX to XX/XX/XXXX ) were riddled with poor process and poor communication from Roundpoint service members as they would ask for missing documentation from the application, we then provide said documentation, and THEN Roundpoint would ask for more missing documentation. This happened over, and over, and over again 2. Begs the question If you knew this documentation was missing, why didnt you ask for it at the onset of this process? Why postpone every two weeks for another document, and then two weeks later to ask for more documentation? Even the argument of well, we couldnt know it was missing until the previous document had been received doesnt account for them asking for documentation that they already possessed which happened a lot. And as youll see, even after confirming they had received a completed application, further documentation was always requested. 3. At several points our designated Roundpoint representatives were fired and we had to update each representative of the process thus far. 4. In XX/XX/XXXX though, I was blessed with a Completed Application Notice, where I would wait 30 days for approval ( with possible longer time frame due to several obvious factors ). A reasonable timeframe would had been a total of 60 days to receive a response but instead I was prompted with ANOTHER request for additional documentation Please note that after documentation is provided to Roundpoint, I must wait 3-5 days for the application to be reviewed resulting in a entire week before hearing back from Roundpoint. But its okay, after this additional documentation is provided we should be done WRONG MORE MISSING DOCUMENTATION!!! 5. Why is Roundpoint asking for Missing documentation in XXXX or XXXX ; 6 months after the process started, and after receiving a Completed Application Notice?!!! It wasnt because we werent providing their requested documentation, but rather they piecemealed every documentation they needed every two weeks or so. 6. Anyway, our designated Roundpoint representative was fired again and I had the lovely experience of updating this representative of the process again. We were told XXXX they were waiting for VA approval of the short sale. 7. Trying to assist this process I personally contacted the VA ( since this is a VA Loan ) to see why they also were holding up the process, and they stated to me that they had not received any notice from Roundpoint asking about a Short Sale. Once I informed them what was going on, they had no issues approving it within 24 hours. Your welcome, Roundpoint! 8. THEN, due to this lengthy process of asking for documentation in pieces, many of our documentation were expiring which resulted in my realtor, transaction facilitator, myself, and buyer ( which is STILL on contract ) to re-sign documentation and resubmit to Roundpoint wait 3-5 days before hearing back, and then you guessed it MORE MISSING DOCUMENTATION!!! 9. Then I received a Completed Application notice in XXXX which any reasonable person/business would feel confident that no more documentation is needed. Its been 7 months by this point, if they needed something, they would have asked way earlier in the process 10. You can probably assume what happened next : MORE MISSING DOCUMENTATION!, this process repeated until 11. XXXX where I received another Completed Application notice, where I must wait 30-60 days for a response. 12. At best, Roundpoint finally approves the short sale after dragging this out for 9 months at worst, they will state that I am missing more documentation, dragging this process out even longer. Throughout this lengthy process, I have made every effort to inform Roundpoint that the property continued to deteriorate way past safe living conditions. Only increasing the necessary repairs of the property and pressing the on-contract buyers patience. Additionally, my ability to obtain a security clearance becomes significantly more difficult, if not impossible, if I go into foreclosure. In short, I believe that Roundpoint is the culprit of a predatory lending practices and trying to induce foreclosure. I believe this due to the perceivably strategic delays and piecemeal requests for documentation, which aligned with our application expiration dates allowing Roundpoint to continue holding our Short Sale application in limbo indefinitely. Doing this maximizes my monthly mortgage payments, and Roundpoints profits, and eliminates my ability to safely house my family ( wife, teenager, and toddler ). I will need to leave the premises in the upcoming month due to the houses living conditions no longer being acceptable, resulting in an additional rent payment that doesnt fit in my budget/income. So I will have to stop making payments to Roundpoint, inducing foreclosure. Which I can only hope forces Roundpoint to approve my Short Sale, but unfortunately doing so only proves my point that Roundpoint tried to lengthen this process until I couldnt pay them anymore tip-toeing the line of foreclosure ever so slightly. If Roundpoint had successfully followed their Short Sale process I would have been approved and departed the premises in XX/XX/XXXX, with the new owner immediately repairing the home before severe damages were induced due to hurricanes and severe rainstorms this summer. Mortgage amount : XXXX Monthly Mortgage payment : XXXX
04/27/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IN 47404	Web
Hello and thanks for your help! This is in regard to my mortgage refinance application with Roundpoint : XXXX. On XX/XX/XXXX, I initiated a refinance on my existing mortgage with Roundpoint Mortgage Servicing Corporation. My loan officer was Mr. XXXX XXXX ( NMLS ID # XXXX ). Over the next week I was able to complete all refinance documents and my application was conditionally approved. I locked in a 3.75 % conventional mortgage, asking for cash out. Although Mr. XXXX had poor communication during this time -- requiring me to contact him multiple times and leave multiple voice mails for him -- he assured me this was because of the massive volume of refinance requests that Roundpoint was experiencing. I thought this was an adequate explanation for his poor communication. Roundpoint acknowledged receiving all my documents by XX/XX/XXXX. Everything looked good. The underwriting stage went very well. I have excellent credit ( over 750 ), no late payments, good debt to income ratio, with a long term professional job. My loan was conditionally approved on XX/XX/XXXX, dependent on the appraisal. I was told that I would pay the first {$100.00} of the appraisal, with the remaining {$400.00} put on the new mortgage. I found that acceptable. I waited for Roundpoint to contact me about the appraisal. This took some time because, I later found out, Roundpoint thought they had given me the information for scheduling the appraisal, when they had not. I was contacted on XX/XX/XXXX saying that my appraisal from XX/XX/XXXX was canceled due to inactivity, and Roundpoint wanted me to get this done. I was surprised about this because I had been waiting on them. They thought they had told me about the XX/XX/XXXX appraisal request, but they had not. This wasn't a problem, however. I was able to schedule the appraisal on XX/XX/XXXX, and things proceeded as normal. Ms. XXXX XXXX came to our house on XX/XX/XXXX, taking photos of our home and proceeding with the appraisal. I received a call from XXXX XXXX, Roundpoint Loan Processor, on XXXX, XX/XX/XXXX. XXXX reported that there was a problem with my loan. She didn't elaborate much, but said that my house is a manufactured home on a block foundation ( that is true ), and that it was built before XXXX ( that is true ). There was some FHA policy or law that said the loan couldn't go through. She said she would inquire with her supervisor about this. On XX/XX/XXXX I received a document denying my conventional mortgage. All the document indicated was that I had " unacceptable property '' with no further comments. I contacted Roundpoint several times, by email and by voicemail, but they would not return any calls or emails. I contacted the appraisal company to find out what my appraised value on my house was, and they forwarded this request to Roundpoint. I contacted the appraiser, Ms. XXXX, who wrote that Roundpoint canceled the appraisal without her completing it. This was very confusing to me. Why was this conventional refinance canceled? Why was it canceled before the appraisal was completed? What did an FHA rule have to do with my application, when my application is not an FHA refinance but rather a conventional refinance? I sent these questions to Roundpoint, specifically XXXX XXXX and XXXX XXXX. I did not hear back. I contacted them again, again via email and voice mail. Finally, Mr. XXXX called me on XX/XX/XXXX. He explained that my loan did not qualify because it was a manufactured home built on a block foundation before XXXX, which was ineligible because of an FHA rule. I explained to Mr. XXXX that Roundpoint had refinanced my house before, in XXXX. The loan went through back then, so why was it not going through now? I told him that I wanted a thorough answer to my question. I also told him that I wanted the refinance to go through. But if it could not, I wanted my {$100.00} dollars back. I had paid {$100.00} for an appraisal, but Roundpoint canceled the appraisal before it was completed. Therefore, I shouldn't have paid for it and I wanted it returned. Mr. XXXX said he would look into it. That's the last I've heard from him. I sent another email ( and left voicemails ) on XX/XX/XXXX. I told Roundpoint that I expected to hear from them promptly regarding why my loan was canceled, and also the matter of the {$100.00}. Again, I sent these inquiries to Ms. XXXX and Mr. XXXX. I received a phone call from Ms. XXXX, who reported that she did not have the authority to cancel a loan application, and that Mr. XXXX was the responsible party. I thanked her for her time. Mr. XXXX has not contacted me. So, I still don't know why my loan was canceled. Here 's what I do know : 1. Roundpoint has refinanced this same property before, back in XXXX. I was able to work with them and complete the refinance at that point, so why not now? In XXXX, there was no problem with a manufactured home on a block foundation built before XXXX. Why does that matter now? 2. My loan application clearly shows that this was a conventional mortgage refinance, not an FHA refinance. So why does an FHA rule apply to this loan? What is the FHA rule exactly? 3. I paid {$100.00} for an appraisal that did not finish because Roundpoint canceled it. If they canceled it before the appraisal was completed, then I should not have been required to pay for the appraisal. If they canceled it after the appraisal was finished, then I should be responsible for the appraisal fee. According to the appraiser, the appraisal was not completed. 4. Communication from Roundpoint has been abysmal. I have called them a dozen times, and emailed as many. I've provided copies of those emails. I've been a very good Roundpoint customer, always on time with my payments and never missing a payment. But the way they have dismissed this application without clarity is really disappointing and stressful. It's a very stressful time right now due to Covid19. And financial stress is a really big part of it. To have Roundpoint cancel my application, without an explanation, only increased my stress. I was looking forward to lower monthly mortgage payments ; I needed those lower monthly mortgage payments. So this has been an awful experience. Many thanks ahead for your help on this matter! XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Roundpoint application : XXXX
05/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 334XX	Web
To start this complaint I must begin with, I had a burst water pipe in my home on XX/XX/XXXX. Our insurance company settled and issued a settlement check. We endorsed the check made payable to Our public adjuster myself and Roundpoint. My mortgage company Roundpoint furnished us at this time with the required forms that they needed to be completed so our insurance funds could be released. Roundpoint additionally requested a letter stating the experience I had to self preform the repairs to my property. I had a letter of intent to repair my property notarized as requested by Roundpoint.I sent these letters and completed forms with the endorsed check to Roundpoint mid XX/XX/XXXX. They confirmed they received these approx XX/XX/XXXX. We were informed at this point by a Roundpoint customer service supervisor on a phone call with our public adjuster that they would process these lettters, release the funds and we should have the check within 10 to 14 days. I hired a public adjuster to assist with the claim against my home insurance company. It has been approx 5 weeks, several phone calls later, two with our attorney and they still refuse to release the funds. Each time we call roundpoint, a Roundpoint associate in the claims loss dept will state they need additional information, we need to amend information that we have previously submitted or they are sending the information to processing to release the funds. All correspondence submitted to Roundpoint wether sent via fax or email takes 24 to 72 hours to be upload into their system for review per Roundpoint. Roundpoint stated on XX/XX/XXXX during a three way phone conference with our lawyer we had met the requirements for self repair and that the funds would be released on XX/XX/XXXX and we should have the check 5 to 7 business days later BUT we should call on XX/XX/XXXX to confirm the check has been processed for release. We called on XX/XX/XXXX and they denied to release the funds allegedly we failed to meet the requirements of XXXX XXXX and or we needed to furnish further information for XXXX XXXX who holds our mortgage. We initially had a conventional mortgage that was sold to Roundpoint, as of XX/XX/XXXX roundpoint has informed me that XXXX XXXX holds our mortgage. We called XXXX XXXX for direction on their policy and to discuss their denial to release our funds per Roundpoint and a customer service specialist from XXXX XXXX stated we have met their requirements and provided us with a copy of their policy ( insured loss event b-5-01 ). During my phone conversation with this XXXX XXXX customer support specialist, I was advised to proceed with a second level complaint ( case number XXXX ) against Roundpoint. The XXXX XXXX customer support specialist stated they were not the reason as blamed by Roundpoint for our monies not being released. Roundpoint has never written any correspondence during this process, requesting additional information etc and when asked when we call they where going to notify us of their decision to withhold our monies? Roundpoint associates have continually advised it is our responsibility to check with the Roundpoint insurance loss claim dept regarding this issue. We requested the written policy of requirements for self repair and they have not provided us with this information. We have requested in writing and verbally information on the account our money is being held and they refuse to give us that information, one Roundpoint associate advised the money is gaining interest that will be sent to us upon settlement, another associate states the money is being held in an escrow account not an interest bearing account. We hired a public adjuster to assist with the insurance claim and he was named on the check sent to Roundpoint ( XXXX XXXX ) after four weeks waiting on his payment from the check sent to Roundpoint we contacted Roundpoint to find out the reason for the delay in his payment, we were then advised by Roundpoint they needed him to submit his XXXX and invoice to release his funds. He sent this information on XX/XX/XXXX, Roundpoint confirmed they received his information and would process his check for release immediately. XX/XX/XXXX we called Roundpoint to check on the status of his payment and they stated they did not receive his paperwork. Our lawyer resubmitted this information XX/XX/XXXX with the initial fax confirmation from XX/XX/XXXX. A Roundpoint associate advised it would take an additional 2 days to review the information and they could then send it to processing to release his payment. Roundpoint have now denied payment to the public adjuster stating they only pay contractors.Our lawyer requested an email from the associate confirming confirmation that they received the information. No email was sent the associate stated he was having technical issues. After speaking with XXXX XXXX and finding out that we met their requirements for release of insurance proceeds payment myself and our lawyer called Roundpoint Mortgage Company back to question, not meeting XXXX XXXX requirements yet per XXXX XXXX we do. Our call was sent to a very rude associate who refused to connect our call to a supervisor to answer these questions. The call ended with Roundpoint claim loss dept is reviewing the latest letter sent XX/XX/XXXX, amended XX/XX/XXXXand resent to Roundpoint via email for release of payment and this will take 24 to 48 hours. Our attorney agreed with me to file this complaint, we truly believe when we call Roundpoint in two days after they have reviewed the latest submission requested there will still be additional information needed or some other reason not to release the funds. As of XX/XX/XXXX Roundpoint have issued to us an email from XXXX XXXX stating we are not experienced enough to repair our own home and we must hire a licensed contractor both conditions are above XXXX XXXX own policy for loss incurred insurance policy. Yet either party will provide written policy for owner repair qualifications. Both myself and my wife have over 30 years and currently work in the construction industry. We have renovated and constructed several properties, we have renovated and upgraded several of the rooms in this property.
04/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91107	Web
We purchased a house in XXXX XXXX . Our mortgage was sold to Roundpoint Mortgage Company as of XXXX XXXX XXXX . We had an escrow account created for payment of our property taxes and home insurance. We paid into our escrow account from the first day of the closing of our new home. We received property tax installment vouchers and notice in XXXX XXXX that our XXXX XXXX property tax was never paid. We were then assessed a tax penalty of {$610.00}. I wrote Roundpoint an email on XXXX XXXX and explained the situation and sent the email. I also called them on that date as well. They said it would be paid by XXXX XXXX XXXX . We checked with the city and it was not paid. We then kept calling from XXXX XXXX XXXX until XXXX XXXX XXXX because our XXXX payment was due on XXXX XXXX XXXX . We were assured each time we called that the penalty would be paid. Then on XXXX XXXX , Rounpoint finally pai d the property tax payment BUT NOT THE tax penalty payment. SO on XXXX XXXX XXXX we were again short {$610.00} AND going to be assessed another {$620.00}. We frantically called Rounpoint on XXXX XXXX and XXXX XXXX and no payment was made. We therefore paid the penalty ourselves so that we would n't be assessed another penalty. The most frustrating thing with this whole ordeal is the lack of customer service we received. We must have called Roundpoint over a dozen times the month of XXXX and each time we had to retell and re-educate them about what the situation was. Roundpoint had no idea what was going on with our escrow account and our property tax payments. I found out all the information from the city and reported it to Roundpoint. We asked if we can speak with the tax department and they said we could n ot because they were not consumer facing. The customer reps did n't know anything and each time we called we had to re-tell the entire saga and wait for them to read through all of the notes in our account only to be told that " yes '' we will pay the penalty because it is our fault. But it was NEVER paid. There was no one that took responsibility for what was happening an no one could they tell us when payment would be made. We asked if we can get the customer service person phone number and they said they did n't h ave one to giv e out. Then I was able to elevate the issue on XXXX XXXX XXXX and was able to speak to a supervisor who gave me her number EXCEPT every time I called and left a message, she did n't call me back either. No one could tell us the status of our issue. All we wanted to know was if the {$610.00} tax penalty was going to be paid by Roundpoint an d it turned out that it was n't AND that we were about to be assessed a second penalty. On XXXX XXXX XXXX , we finally received a letter from XXXX XXXX , Assistant VP. The letter stated that " Per the enclosed notification of servicing transfer, your loan was service transferred to Roundpoint effective XXXX . At the time of the transfer, we were not provided with the legal description of your property. Therefore, we were unaware the property taxes for your account were due in XXXX XXXX . '' They did not address the outstanding tax penalty of {$610.00} but basically ended it with that it was n't their fault but the fault of the company that sold them the mortgage. How is it possible that a mortgage to a real property that was transferred 3 months prior to when property taxes were due did n't include enough information for this company to find out when the property taxes were due? Our mortgage was transferred with a significant amount int the escrow account for payment of property taxes and it ultimately was n't paid by Roundpoint w ho are legally responsible for that payment as the providers of escrow account payment services. They missed the payment and are now refusing to be accountable for their mistake. Not only did this company not pay our property taxes BUT they also did not pay our home insurance for XXXX . Our insurance agent called us in XXXX XXXX as well to notify us that they have n't received a payment, which we also paid ourselves. I am writing to get the tax payment penalty credited to our escrow account because it was NOT our responsibility to notify the this company about our property taxes that were due. It is their responsibility as an escrow services provider to ask for that information when they purchase a mortgage THAT HAD AN ESCROW ACCOUNT . One woul d assume if there is an escrow account that was transferred with a mortgage that maybe there should be payments made from it? We have also tried to close our escrow account, but was told that we could not do so because we have to wait a year from the date we first became their customer and that our mortgage must allow for the waiver and that a committee has to review this request. Well, has n't been a year and its been a disaster. We are now being hel d hostage t o this company for services that they have n't performed AND which we have paid ourselves out of pocket. Please help us in this matter. We have tried everything. As of last week, when I received the letter, I was finally contacted by a Customer Service rep that stated that she has been assigned to our issue. She was again not aware of what the issue was and I had to tell her the entire story again and that we paid the outstanding amount OR ELSE another tax penalty would have been assessed. We had told the general customer service line this information on XXXX but yet again, had to re-state it. She wanted proof that we made the payment and I sent it via on XXXX XXXX XXXX . I have not received a response and have not checked back since we also received the letter stating that they are not responsible for missing our property tax payment on an account they had for OVER 3 months prior to when the property tax was due. We 'd greatly appreciate anything you can help us with in this matter.
01/23/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 75115	Web
We are filing this complaint against our servicer, RoundPoint Mortgage. We requested assistance with our mortgage payments due to unemployment, and was informed by RoundPoint Mortgage that we filled out a Uniform Borrower Assistance Form. We complied and returned the form on XX/XX/XXXX. We kept in touch with RoundPoint Mortgage throughout the process. Later on, on XX/XX/XXXX, additional documents were requested by RoundPoint Mortgage by XXXX XXXX, and they were faxed to her on XX/XX/XXXX. We received an " Evaluation Summary '' dated XX/XX/XXXX, stating that we had been approved for FHA 's Making Home Affordable Modification program. In addition, RoundPoint Mortgage included paperwork with these forms dated XX/XX/XXXX, for a letter of agreement for a trial period of 4 payments in the amount of {$1500.00}, due on the XXXX of each month starting XX/XX/XXXX, and ending with the 4th and final payment of the trial period on XX/XX/XXXX. The letter requested that we sign if we agreed to the terms sign and return the forms by XX/XX/XXXX, and we did sign them on XX/XX/XXXX, and returned the forms the same day. The payments were made according to the terms for the entire trial period. We called to speak with our " point of contact '' ( XXXX XXXX ) until we couldn't reach her any longer and had to settle for " the next available agent '' on a regular basis to get an update to the finalization of the modified loan agreement. We continued to receive billing statements that we were behind on our mortgage, but when we would call in about the statements, many times we would reach XXXX and he would tell us not to worry about the statements, and that they would be corrected when RoundPoint Mortgage finished " updating our account '' with the information from the documents they had received from us, and that we were to continue to make the modified payments of {$1500.00}. On XX/XX/XXXX, we received a XXXX envelope from RoundPoint Mortgage with the " Loan Modification Agreement '' for us to sign and have notarized. We signed the forms, had them notarized and returned them via XXXX on XX/XX/XXXX. We kept in touch with RoundPoint Mortgage for updates to the finalization of the " Loan Modification Agreement. '' We received forms dated XX/XX/XXXX, about a week or so later, stating that we would find " a fully executed copy of the Loan Modification Agreement dated XX/XX/XXXX. '' We continued to contact RoundPoint Mortgage about our account not being updated, and when would the account reflect the new terms. When we reached the next agent available, again it would be XXXX sometimes, and he stated like others before and after him, that we should ignore the billing statements and that he sent an " escalation request '' to his manager, supervisor or someone in that capacity. This continued through XXXX, XXXX and then in XXXX we received a letter stating that we were behind two months in our mrotgage payments. I called, XX/XX/XXXX, and was connected to XXXX. I believe it was at this time that XXXX told me that there was a new modified payment and that there was a shortage in payments for the XXXX and XXXX mortgage payments. Since I was still paying {$1500.00} instead of {$1500.00} according to him, there was a difference of {$26.00} for each of the two months in question. We paid the difference of {$52.00} to bring the account back up to date. I also asked XXXX why was it taking so long to correct the statements. I stated that I felt that someone dropped the ball, but he said instead that no one dropped the ball on either end, but that there were a few things that needed to be updated. It was wasn't until about a two weeks later that XXXX told me that it had been a mistake ( s ) made on their end, ( RoundPoint Mortgage ), that was the cause of the stall with the updating of our account. In addition, XXXX stated that we need to keep making the modified loan agreement payments of {$1500.00} and he was noting the account. Then around the second week of XX/XX/XXXX, we receive a phone call from RoundPoint Mortgage about a lien being on the home and this is what was an issue, and that we needed to fill out a " Non-Identity Affidavit. '' We did on XX/XX/XXXX and mailed and/or emailed it back with the requested proof from court to verify that there was a mistaken identity issue, and sent both documents back to RoundPoint Mortgage the same day. We continued to stay in contact with RoundPoint Mortgage on a bi-monthly basis and it was almost a month after they asked us to give them two weeks to get everything in order, that they tell us when we call in XX/XX/XXXX, that they sent in another " escalation request. '' The representative stated that they were making a note on the account, and to continue to make the modified loan payments of {$1500.00}. Recently, we received a letter dated XX/XX/XXXX, on XX/XX/XXXX from RoundPoint Mortgage that we have been granted a " Loan Forbearance Plan '' and that we are behind {$9900.00}. It included a request for us to sign the Forbearance forms and return by XX/XX/XXXX. We signed and returned the forms on XX/XX/XXXX. I called on XX/XX/XXXX, and spoke to a representative that told me we had to pay the late payments and the new mortgage amount of {$2000.00} on XX/XX/XXXX, even though we were offered and accepted a Modified Loan Agreement in XX/XX/XXXX, and it was recorded with the county in XX/XX/XXXX. We were given the excuses of an " early payment during the modified payment schedule '' and that " the debt wasn't reaffirmed before the debt was discharged '' as to why the modified loan agreement was, with no prior explanation prior to RoundPoint Mortgage finalizing the Modified Loan Agreement back in XXXX of XX/XX/XXXXwith the county.
07/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78660	Web
Below is a detailed account ( and also the exact email I have submitted to Roundpoint 's Ombudsman a week ago ( XX/XX/XXXX to be exact ) - to this date I have not received any contact from Roundpoint since submitting my complaint to their Ombudsman ). This was also mailed to Roundpoint on XX/XX/XXXX. At the end of XXXX it was decided that we would be terminating our homeowners policy with our former insurance company at the end of the coverage period and selected a new carrier for our new homeowners insurance policy, effective date XX/XX/2018. At that time Roundpoint was notified by our insurance agency that this change would occur. A couple of weeks into XXXX it was realized that we had not received notification from Roundpoint that funds had been distributed from our escrow account to our new insurance carrier. At that time I contacted Roundpoint and spoke with insurance service center representative XXXX that stated a check had been requested/issued on XX/XX/XXXX. He suggested contacting our new insurance company and if they had not received the check we could call back on that Monday, XX/XX/XXXX and they would overnight a check since our bill was due on XX/XX/XXXX. I immediately contacted my insurance company and they confirmed that they had not received a check from Roundpoint. On XX/XX/XXXX I called back and spoke with XXXX again and he called my insurance company who told us there was a 20 grace period that would end on XX/XX/XXXX. He submitted our account to be reviewed and expedited. I called back on XX/XX/XXXX for an update and was transferred to a supervisor named XXXX. Before that the representative who helped me filed a formal complaint on my behalf but to this date I have not received any follow up from that complaint. The complaint number is XXXX. Upon speaking to XXXX, he stated that perhaps the reason a check had not been sent yet was because they did not receive a bill from our insurance company until XX/XX/XXXX. I find it interesting that a check was supposedly sent/requested on XX/XX/XXXX but now there wasn't a check because the bill got there a week later. I told him that was fine but it was now the XXXX so I wasn't understanding that logic. He then said maybe it was because a check was requested for our old insurance company and they had to make sure that was cancelled before a check could be issued to our new company. I then again reminded him it had been 2 weeks and if it took that long to issue a cancellation on a check that was never sent out ( since there was no check number associated with the old insurance " check '' and the old insurance never received a check ) that perhaps they needed to reevaluate their procedures. He then told me he would run a check trace on the new insurance check that would take 3-5 days. I told him my due date was XX/XX/XXXX so I didn't have 3-5 days. He assured me as soon as they had the results of the check trace they would call me back. To this date I have not received a phone call with those results. I then called back on XX/XX/XXXX and spoke to XXXX who requested an overnight payment. He advised it would be the next day that the check was cut since we called in the late afternoon but it would be mailed by XX/XX/XXXX. On XX/XX/XXXX I called and again spoke to XXXX who did not see that the check had been overnighted yet but that an overnight address had been obtained from our insurance company. He supposedly submitted a review to get it pushed through faster and assured me that by Friday the check should be mailed. I assured him that I would be calling back Friday if my account did not reflect that a payment had been sent. I then went on Roundpoint 's XXXX page to express my displeasure with this situation in hopes that maybe that would get someone's attention and on XX/XX/XXXX I was requested to send an email to XXXX. I promptly sent my email and received a reply that they would look into the matter that day. To this date I have received no further communication from that email. After asking for an update from the social media email and receiving no response I contacted the insurance service center once again on XX/XX/XXXX. This time I spoke with XXXX who tried to make sense of what was going on with my account but could not explain why a check had no been overnighted yet. She asked that I give her until Monday to get it fixed and if not she would once again request an overnight check. She assured me that she gets in on Mondays at XXXX and would promptly check into the matter as well as get her boss to look the account and call me back. No surprise I have not received a phone call. This brings us to today, XX/XX/XXXX, when I called the insurance service center for an update and spoke with XXXX. I asked her if a check had been issued and she told me no to which I told her that I no longer wanted to discuss this and I would be calling my insurance company myself today to make payment since I no longer had any faith that anyone at Roundpoint could help me get it paid by Friday. I also told her to note my account with that information and also note that I would be contacting the Ombudsman to file an escalated consumer complaint and if for some reason Roundpoint could get its ' act together my insurance would issue me a refund. To this date I have received no communication from Roundpoint so I am hoping the CFPB can help me get this resolved. I have paid my homeowners insurance out of my own pocket and am waiting for Roundpoint to do their part so I can be properly refunded by my insurance company.
02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33950	Web
After being affected by Hurricane Irma in XX/XX/XXXX we were notified from the bank that handles our mortgage payment every month, RoundPoint Mortgage, that they were offering assistance in the areas affected by the hurricane. My husband is XXXX XXXX XXXX XXXX as a tile installer and due to the lack or electricity in our area for several weeks it delayed him getting back to work and also with getting paid by previous jobs due to companies in XXXX Florida taking care of their own expenses with Irma damage. We were told that at this time that we had the opportunity to have our mortgage payments put on hold for 3 months to help us get our finances in order after the current hurricane. We were told we were going to be given a letter stating that we would not owe anything for the months of XXXX, XXXX and XXXX. We were also told that in the middle of XXXX we would be contacted about our plans to pay what we owe in full or, if we chose, to roll that amount back into our loan and continue our regular payments as we had been doing prior to Hurricane Irma. We heard nothing from RoundPoint and come XXXX we contacted them directly, because our online account was frozen, and to get better information about where we needed to go from here and how we could pay them. I was told that we were still under review as many families were affected by the national disaster and that I would be under a 90 day probation period and during that time we needed to pay our regularly scheduled payments as we did before. This was to prove that we were in a financial state to make our regular monthly payments as previously scheduled and we would be sent the proper paperwork to begin the process of rolling that full balance back into our current loan amount. I called RoundPoint at the time the payment was due and they asked if I could make a payment by the end of XXXX. I told them I could make a payment right now. My source of contact for my account said to just schedule it for XX/XX/XXXX and I agreed following his lead. He took my payment of about {$1300.00}, which is our normal monthly payment, and it cleared on the date he recommended which was XX/XX/XXXX. He told me the most important thing at that time was to just make sure our payments were made on time every month and I agreed and said it would not be a problem. I attempted to go online to make our XXXX payment as instructed to do so and saw that my account was still frozen. This was before our 14 day grace period on XX/XX/XXXX. I called again and was told by that representative that technically I was still under review, that I would be receiving paperwork on the matter very shortly, that once received I needed to sign, have notarized and send back to them as soon as possible and once that was received we would start the process of modifying the loan and rolling that amount back into our balance. He also said to me that I wasn't " required to make a payment for XXXX or XXXX due to still being under review '' and that they would probably want me to make a payment come XXXX. I told him that we wanted to make a payment for XXXX as we made a payment in XXXX and that we were able to start making monthly payments as we were told to do the previous month. He took our payment for around {$1300.00} for the date of XX/XX/XXXX. During the same phone conversation the representative assured me that the delinquencies on our credit report, stating we had not paid in 90+ days, were incorrect and that during this relief plan we should have not been reported and assured me that it would be corrected and our credit report would return to normal. Within the past week we have been contacted my banks we have accounts with notifying us of these delinquencies and are lowering account availabilities due to our credit score which has plummeted under a 600 score from 700+. Coincidentally a third representative contacted me today, XX/XX/XXXX, about the task being sent to RoundPoint 's credit department questioning these actions. They stated to me " that because we did not pay them in full in XXXX and because the payment was scheduled late that they retroactively reported to the credit bureau stating that we had not paid them in 4 months. '' We had called several times during XXXX and XXXX to reconcile this and to make sure our account was in good standing and also that our credit score was protected. Upon talking to a representative in XXXX we were told that us rolling that amount back into our loan balance would not to be a problem and to continue to pay as we normally would which is what we did. We followed the lead of our direct contact for our loan. We could not have rolled the amount back into our loan, which we were told we could do, as we were still on a " review status '' along with not having the appropriate paperwork to file on the matter, and as of todays date, XX/XX/XXXX, we have still yet to receive any paperwork on the process of doing that. It looks on our credit report as of today that we have been delinquent for over 90 days which is not correct as I have explained above. We are hoping you can help us with this matter and have these delinquencies removed from myself and my husband 's credit report due to RoundPoint Mortgage 's negligence and incompetence. Thank you.
04/30/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 954XX	Web
This complaint is related to my Escrow Account with Roundpoint Mortgage Servicing Corporation. Roundpoint Mortgage Servicing Corporation ( Roundpoint ) sent me a letter in XX/XX/XXXX stating I had a negative escrow balance of {$6000.00} ( attached ) but did not provide sufficient documentation to support this balance. I called Roundpoint on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also provided documentation via email showing a different escrow balance. My XXXX statement ( attached ) showed monthly escrow fees of {$920.00} and additional fees of {$500.00} that would be charged for 12 months to cover the negative balance of {$6000.00}. I spoke with Supervisors, XXXX and XXXX on XX/XX/XXXX. XXXX emailed me partial accounting and said she would obtain escrow records from XXXX XXXX so that she could then provide a full accounting. In the meantime, I emailed Roundpoint a full accounting on my end including documentation to support my accounting ( attached ). I sent this accounting and supporting documentation to XXXX on XX/XX/XXXX and to XXXX on XX/XX/XXXX. When I first called about this on XX/XX/XXXX, I asked what the escrow balance was at the time Roundpoint bought the loan back from XXXX ( XX/XX/XXXX ). The agent put me on hold, researched it, came back on the line and said I dont know. I have looked through your account and it seems we have no record of that. I said to her, " You have no record of that? What do you mean you have no record of that? '' They are a bank and have no record of that? My money just vanished into thin air with no record? Then, on XX/XX/XXXX, XXXX told me the amount received was {$1100.00} but that they do not have a history of deposits or disbursements from XXXX for the time XXXX had my loan ( XX/XX/XXXX to XX/XX/XXXX ). She told me she requested it from XXXX and would receive it by XX/XX/XXXX. I told her I believe this {$1100.00} number is inaccurate and I would send her an accounting including the closing statement from my refinance with Freedom that shows all of the escrow fees I paid up front to Freedom. On XX/XX/XXXX, I called again. It took numerous calls before I got a live person on the phone. When I finally did get a customer service agent, I requested a call back from XXXX or another supervisor and an update on the accounting from XXXX XXXX. I did not receive a call back from this message. On XX/XX/XXXX I emailed Roundpoint regarding the confusion and mistakes on my XX/XX/XXXX statement ( attached ) and reminding them that I still have not received the Freedom Mortgage escrow accounting that XXXX promised to send to me by XX/XX/XXXX. My XXXX XXXX shows a negative escrow balance of {$2700.00} yet they are still charging me {$1400.00} in monthly escrow fees. If the balance is now negative {$2700.00} instead of negative {$6000.00}, why is the monthly charge still based on a negative balance of {$6000.00}? And why is the {$1400.00} now lumped together instead of separated out with regular monthly charges and additional fees to cover the negative escrow balance? On XX/XX/XXXX, I received a voicemail phone message from Roundpoint XXXX, XXXX. I called XXXX back XXXX minutes later at the only number available ( XXXX ) XXXX. It took several calls until I finally reached customer service representative, XXXX. I then sat on hold with XXXX for XXXX minutes until a different XXXX, XXXX, got on the line and said We researched it and the shortage is accurate. I told XXXX, It is not accurate. You still havent responded to my emails or provided a full accounting including payments made by XXXX. XXXX promised I would receive that accounting by XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the accounting. And now the amounts and charges on my latest mortgage statements are not adding up. Roundpoint can not tell a customer they have a negative escrow balance of {$6000.00}, charge that customer an extra {$500.00} every month to make up that balance and then not substantiate that claim with documentation to prove it. I have asked for phone numbers to call these supervisors back. The only number Roundpoint provides is the one on my statement ( XXXX ) XXXX, where it is virtually impossible to reach a live person. I believe the error lies with the escrow balance that XXXX XXXX reported to Roundpoint Mortgage when Roundpoint bought my loan back from them in XX/XX/XXXX. Roundpoint and XXXX need to correct this error. I am not sure if XXXX paid the {$3700.00} property taxes that were due by XX/XX/XXXX ( considered late by XX/XX/XXXX. ) Even if XXXX did pay that tax bill, the negative escrow balance is still incorrect. If XXXX did pay that tax bill, my negative escrow balance would be {$4600.00} ( including the 2 month cushion ) instead of the {$6000.00} negative balance ( including 2 month cushion ) that Roundpoint is reporting. That leaves {$1400.00} of escrow fees still not accounted for. Roundpoint has dropped the ball on this issue and now is giving me a dismissive response of the accounting is accurate, yet still not providing a full accounting or a response to the accounting I submitted. I have provided accounting to support my claim. Roundpoint has not provided accounting to support theirs.
04/21/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	WI 535XX	Web
I have a mortgage with Roundpoint Mortgage Servicing. I escrow my property taxes, my homeowners insurance, and my USDA annual fee. Roundpoint sent me a check from my escrow account to pay my XX/XX/XXXX property taxes in XX/XX/XXXX. The amount they sent me was the amount of my XX/XX/XXXX property taxes, which was {$290.00} short for my XX/XX/XXXX property taxes. I called Roundpoint, and I was told they would send the information to the " tax department '' and pay the remainder of my XX/XX/XXXX taxes. I sent Roundpoint a secure message on XX/XX/XXXX when I looked at my property taxes online and realized the {$290.00} had not been paid. I received an email from Roundpoint stating they had sent my message to the tax department, and someone would be in touch with me soon. About a week later, I received an escrow statement from Roundpoint dated XX/XX/XXXX, stating there was a projected shortage in my escrow account and my mortgage payment was being raised to {$1300.00} from {$1300.00} due to this projected shortage in my escrow account. The statement shows that property taxes were anticipated to be {$3200.00} but the actual amount PAID was {$3500.00}. These numbers ARE correct. The anticipated amount of {$3200.00} was the amount of my XX/XX/XXXX property taxes. My property taxes went up to {$3500.00} in XX/XX/XXXX. I agree my escrow payment should be raised in order to reflect the amount due for my XX/XX/XXXX property taxes. My issue is Roundpoint did NOT pay {$3500.00} out of my escrow account for XX/XX/XXXX property taxes. Roundpoint paid {$3200.00}, leaving a balance on my XX/XX/XXXX property taxes of {$290.00}. As of XX/XX/XXXX, this shortage on my property taxes is still NOT paid by Roundpoint out of my escrow account. They RAISED my monthly mortgage payment because they say they " PAID '' {$3500.00} to my property taxes when the projected amount was {$3200.00}. BUT they have NOT paid {$3500.00} on my property taxes. I have called Roundpoint repeatedly requesting they pay the remainder of my XX/XX/XXXX property taxes and fix their error in paying the wrong amount in the first place. I received notice that Roundpoint is transferring my loan to a new company on XX/XX/XXXX. I called Roundpoint on XX/XX/XXXX to ensure they were going to pay the remainder of my XX/XX/XXXX taxes out of my escrow account by the time they transfer my loan on XX/XX/XXXX. The customer service agent I talked to said she saw my numerous requests for Roundpoint to pay the remainder of my XX/XX/XXXX property taxes and stated she was going to contact the tax department and call me back the SAME DAY. I did not receive a call back. I called Roundpoint back again on XX/XX/XXXX and I was told there is a note in the system from XX/XX/XXXX stating I am personally responsible for paying the balance due on my property taxes of {$290.00} since my loan is " going to be transferred by then. '' My current balance in my escrow account is {$870.00}, the remaining amount due on my XX/XX/XXXX property taxes is {$290.00}. The money is there to pay the amount Roundpoint shortage me on my XX/XX/XXXX taxes. I did the math, and my monthly escrow payment of {$430.00} is MORE than enough to have the amount needed in my escrow account to pay my taxes, insurance, and annual USDA fee going forward. I alerted Roundpoint that they shorted me {$290.00} on my property taxes in XX/XX/XXXX. Roundpoint 's response was to raise my monthly escrow payment due to the " anticipated '' amount of my property taxes being less than the " actual amount paid. '' However, they only paid the " anticipated '' amount and they are REFUSING to pay the {$290.00} still due. Roundpoint was correct in raising the amount of my monthly escrow payment due to the {$290.00} rise in my XX/XX/XXXX property taxes. They even sent me a statement showing the reason they are raising my monthly escrow payment BECAUSE they paid {$3500.00} in XX/XX/XXXX property taxes when the anticipated amount was {$3200.00}. When in reality, Roundpoint only paid {$3200.00} on my XX/XX/XXXX property taxes, and they are now telling me that I am responsible to pay the remaining {$290.00} due out of my own pocket and refusing to pay it out of my escrow account, even though they raised my monthly escrow payment to cover the additional {$290.00}, which again, is the difference in my property taxes from XX/XX/XXXX to XX/XX/XXXX. Roundpoint is now refusing to pay the {$290.00} remaining due on my property taxes, and is telling me this is MY responsibility to pay out of my own pocket because they are transferring my loan? It feels like a triple-whammy. They are supposed to pay my property taxes out of my escrow account. They shorted me {$290.00} on my XX/XX/XXXX property taxes. I brought this to their attention. They raised my monthly escrow payment to reflect the change in XX/XX/XXXX taxes, but they are refusing to pay it, even though they are forcing me to pay it into my escrow account. Again, I have done the math. IF Roundpoint paid the remaining {$290.00} on my XX/XX/XXXX property tax bill out of my escrow account, there will be plenty of money in my escrow account to pay XX/XX/XXXX property taxes, homeowners insurance, and USDA annual fees going forward.
08/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29732	Web
Notes for RoundPoint Mortgage ( XX/XX/XXXX tax payment {$2800.00} ) 1. In Fall XX/XX/XXXX, our mortgage was sold to RoundPoint and our monthly payment was set at {$920.00} 2. In XX/XX/XXXX, we received our monthly bill from RoundPoint. It had increased from {$920.00} to {$1100.00}. We looked over the bill and realized our escrow was short, so we had to make larger payments to make up the difference. 3. We have since made four payments at the value of {$1100.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 4. I called RP on XX/XX/XXXX to discuss when our payment would eventually return to the original {$920.00} amount. The customer service rep. explained about our escrow shortage and informed me that an escrow analysis on our loan had been performed in XX/XX/XXXX. The rep also explained that documentation was sent to us notifying us of the shortage and increased monthly payment. We did not receive any such notification, so I requested the customer service rep. to email me the documentation. 5. During this same XX/XX/XXXX phone call, the RP customer service rep informed me that beginning in XX/XX/XXXX, our monthly payment would increase again due to several shortages. He mentioned taxes being a possible issue as well as an issue with our PMI rate/payments. 6. I called the XXXX XXXX Tax office on XX/XX/XXXX and was reassured that our property tax was fixed at 4 %. I was also informed that an approx. {$1800.00} check that was mailed to us in XX/XX/XXXX was supposed to go our mortgage company to cover the escrow shortage. We were not informed of this, so we deposited the check into our savings account. 7. I called RP back again on Friday, XX/XX/XXXX to inquire about the {$2000.00} payment increase. Again, the term PMI was mentioned and I requested three documents. Our original mortgage agreement, and the two escrow analyses performed by RP. All three documents were emailed to me ( note : these documents have been uploaded with this complaint with file name XXXX ). Upon inspection, I noticed that the original escrow analysis and notice informing us of the $ XXXX-XXXX increase was sent to an old address. We bought our home in XX/XX/XXXX, and the first escrow analysis/notice was mailed in XX/XX/XXXX to an old address. Hence why we never received the first increase notice. Even though we have lived in our new address for 5 months ( the address to which the mortgage is attached ) 8. After looking over all three documents, I consulted with a close friend who has a strong financial background. Together we realized that for whatever reason, my monthly PMI payments had been deducted but not paid out to RP. Meaning : since the purchase of my house in XX/XX/XXXX, I was paying {$86.00} a month for PMI, but that money was not being sent to RP. RP then deducted 9 years worth of PMI payments as opposed to 9 months. This clerical error, paired with the escrow shortage, caused a significant increase in my monthly mortgage payment. 9. I called RP again on Friday, XX/XX/XXXX and spoke with XXXX. I informed XXXX that we understood the escrow shortage but did not understand the $ XXXX-XXXX payment increase. I also informed him of the 9 year PMI deduction mistake. XXXX assured me that I was correct and that a mistake had, in fact, been made. He also informed me that a new escrow analysis would be conducted once the PMI mistake is corrected. From there, we could fix our escrow shortage. XXXX told me that I would be hearing from RP on XX/XX/XXXX, but we have yet to receive a phone call. 10. I called RoundPoint on XX/XX/XXXX to follow up. The customer service representative assured me that the process was still ongoing and RP was waiting for the PMI reimbursement. Once that occurs, the reimbursement will be added back into my escrow account and a new escrow analysis would be issued. I asked to speak with a supervisor at this point, but was told they were all in meetings. Again, the customer service rep. assured me that this could be fixed prior to my XX/XX/XXXX payment due date. 11. Called RoundPoint on XX/XX/XXXX and was informed that a reimbursement check was mailed, but had not arrived. I was assured that a representative would call once the issue was resolved. No phone call occurred. 12. Called RoundPoint on XX/XX/XXXX and spoke to a customer service rep. named XXXX. XXXX could not tell me the location of the check nor why any progress had not been made. After being put on hold for 45 minutes, I asked to speak with a supervisor again. I was told that all supervisors were in meeting, but XXXX stated he would have one call me back. No call-back has occurred. XXXX also told me that I could request a customer advocate to take over my case if I wanted. This was the first time I have heard of such an option. I told XXXX to do that, and again, was told that a customer advocate would be in touch in a day. 13. XX/XX/XXXX I have yet to receive a phone call from either a supervisor at RoundPoint or a customer advocate. My XX/XX/XXXX payment is due on the XX/XX/XXXX, and at this moment, the issue is not resolved and I will be charges {$2000.00} for a mistake made by RoundPoint.
01/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33063	Web
In XXXX XXXX, we were impacted by Hurricane Irma. We have a XXXX XXXX Mortgage which is being serviced by RoundPoint Mortgage Servicing Corporation.In XXXX we were contacted by RoundPoint Mortgage on a "recorded line" to see if we were impacted by the Hurricane. We were advised that based on our mortgage, they were offering a 2 month forbearance agreement, where we could skip our mortgage payments for the months of XXXX and XXXX and those months would be put back into the loan which would be modified accordingly. We were advised that there would be no reporting to credit bureaus during this time and we would not have to worry about this having any negative impact on our credit. We were told that we would not have to provide any additional information or paperwork for the modification, since it was being offered due to the impact of the hurricane, knowing we had never been late with any mortgage payment since the inception of the mortgage. We were told that we should resume making our regular monthly payment in XXXX XXXX, and upon the next mortgage statement we would be notified of the modification and any difference in our monthly payment.Since we were impacted financially by the hurricane and have excellent credit, we decided to take advantage of the help being offered with the forbearance agreement. During the months of XXXX and XXXX, we received calls from RoundPoint Mortgage on a recorded line, aprox once a week, reiterating the forbearance agreement.As of our XXXX statement, we had not yet received any modification of our loan as originally indicated by RoundPoint, so we made our regular XXXX XXXX mortgage payment as advised per the forbearance agreement. I called RoundPoint Mortgage several times during the month of XXXX on a "recorded line", to see when we would receive the loan modification which was to include the forbearance months of XXXX and XXXX XXXX. Each time I called, I was told that the modification was being worked on and the updated info would be received shortly.On XXXX XXXX, XXXX, I received a secured email from RoundPoint Mortgage stating that they received our request for a modification of our loan. There was no mention of the forbearance agreement and the email indicated that this is a hardship loan modification, with no mention of the Hurricane that began this entire process. The email included a long hardship loan modification application, requesting all kinds of documentation that would normally be requested for a refinance or similar. We were never once told that we would have to apply for a hardship loan modification.Feeling frustrated and confused by this email, as the information contained within was completely different than what was agreed upon per the forbearance agreement/ modification, I called Roundpoint Mortgage. While on hold, there is a recording indicating that our mortgage was behind in payments and do I plan on making the XXXX payment via this call.After a long hold time, I speak to a representative that confirms that my payment for XXXX XXXX is past due. I explain that our loan was part of the forbearance agreement including the months of XXXX and XXXX XXXX, which were supposed to be put back into the loan with a modification. The representative was able to confirm that I was correct per my file, however in XXXX XXXX, XXXX XXXX decided to change the forbearance agreement, and was not offering us the loan modification per the forbearance agreement originally offered. In addition, I was told that the mortgage payment we made for XXXX was applied to the past due XXXX payment, which is why their records indicate that our payment is past due for XXXX.I told the representative that this was unacceptable and that XXXX XXXX can't just change the forbearance agreement program they offered, not only to us but thousands of other people who were impacted by the Hurricane. The representative told me that this is a problem they are now dealing with and they can not control what XXXX XXXX does since they just service the account.So,I got an apology and was told that unfortunately there was nothing they could do. We would need to pay 3 months of mortgage payments to bring us current, since if we make the XXXX mortgage payment, it would be applied to the XXXX payment showing past due. Other option, apply for Hardship loan modification.This scenario is absolutely wrong, unfair and complete deception. It should not be allowed and something needs to be done about it. This is effecting us and I am sure many other people monetarily, emotionally, and could also negatively impact our credit which we take alot of pride in.We would like XXXX XXXX to step up to the plate and make good on the forbearance agreement and modification that was offered to us and anyone else who was impacted by the Hurricane. We did not pursue or ask for the forbearance agreement, it was offered. Now that offer was rescinded without notice, which is really inconceivable.Roundpoint Mortgage will be able to verify and confirm all the same information, which is why something needs to be done.
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37040	Web	Servicemember
To Whom It May Concern, RoundPoint stated in their previous letter to me, that my deed in lieu of foreclosure was completed effective XX/XX/XXXX, and that the account " was due for all subsequent payments at that time ''. They went on to claim that they reported the correct information to the credit reporting agencies on XX/XX/XXXX, indicating the deed in lieu of foreclosure was effective XX/XX/XXXX. However, they further stated that they did not update the changes to reflect the completed deed in lieu of foreclosure until XX/XX/XXXX. It is nowXX/XX/XXXX and the changes do not reflect on my credit to indicate a " XXXX and/or settled '' balance. I want scanned documentation showing exactly what XXXX XXXX XXXX XXXX XXXX. reports to the credit reporting agencies, as well as the cited date of submission. RoundPoint stated on XX/XX/XXXX, that they are the owner of the property ; the property at XXXX XXXX XXXX, XXXX, TN XXXX is listed in their Real Estate Property Owned. XXXX XXXX XXXX has hired several companies to handle the loss mitigation process. XXXX transferred the process over to RoundPoint with all documentation. XXXX, acting on behalf of XXXX XXXX XXXX, filed a XXXX " Cancellation of Debt '' where they cancelled and forgave all debt associated with the property. I filed this document on my XXXX IRS Tax Return. I have the letter signed and dated by XXXX XXXX XXXX, Vice President of RoundPoint, indicating that the Deed in Lieu of Foreclosure filed with RoundPoint was completed and finalized. First, I am not an attorney nor am I practicing law. However, I would direct your attention to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The court, in their holding, stated that the issuance of a XXXX reflects a creditors cancellation and forgiveness of debt. Thus, the creditor can not sue a debtor in an attempt to seek economic losses. Restated, XXXX filed my XXXX, at the behest of XXXX XXXX XXXX, prior to being submitted to RoundPoint, again, at XXXX XXXX XXXX 's direction. Moreover, RoundPoint 's previous letter in response to my last complaint further reflects the outcome of the cancellation and forgiveness of the debt, along with my fourth signed Deed in Lieu of Foreclosure agreement with XXXX XXXX XXXX. XXXX XXXX XXXX, Deputy Property Clerk of XXXX County, and I called RoundPoint and we spoke with XXXX at RoundPoint on XX/XX/XXXX. XXXX stated that XXXX is handling the case ; sent documentation to XXXX ( manager ), who will follow up w/ the " closing department. '' The issue in XXXX County is that RoundPoint never filed a document showing that XXXX XXXX XXXX actually owns the property. The last document they show was filed XX/XX/XXXX ; filed by XXXX XXXX. XXXX XXXX XXXX. ; this document, for some unknown reason, conveys the property back into my name, which at this point is beyond impossible. In Summary : My Customer Care Advocate at RoundPoint is XXXX XXXX XXXX. His direct line is XXXX. XXXX XXXX called me while I was in a meeting with my attorney where the following, listed numbers 1-7, was established : 1. The Deed in Lieu of Foreclosure is complete 2. I owe nothing on the account 3. The property at XXXX XXXX XXXX XXXX, TN XXXX is in RoundPoint 's Real Estate Owned. They own the property. 4. RoundPoint has been negligent in reporting to the credit reporting agencies the " settled '' balance and are in violation of the XXXX Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX and/or RoundPoint needs to report the " XXXX balance or settled balance '' on my credit history. Moreover, I want scanned documentation, including the dates, from both companies of the submission to the credit reporting agencies. 5. My name is improperly listed as the owner of the property mentioned herein. I do not hold insurance on property that I do not own. Therefore, I have no insurance on the property. If I am sued for liability for something that occurs on the property, I will subsequently sue the rightful owner ( s ). It is in XXXX XXXX XXXX XXXX XXXX 's and RoundPoint 's best interests to complete items 1-5 in this summary as soon as possible. 6. XXXX XXXX needs to be updated with the proper and rightful documentation showing the rightful owner ( s ) of the property herein. 7. XXXX XXXX XXXX XXXX XXXX needs to contact RoundPoint to get all information in regard to their complaints received by the CFPB at my behest on the following dates : XX/XX/XXXX and XX/XX/XXXX. By XX/XX/XXXX, I am to receive a letter from RoundPoint 's business writers stating the same. XXXX XXXX contact number at her office is : ( XXXX ) XXXX ; her work email is XXXX XXXX The mailing address to her office is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX You have my permission- if you need it at this point- to contact XXXX XXXX in regard to this property and send her the required documentation showing that the property has been conveyed from my legal possession and rights to the rightful owners, RoundPoint or XXXX XXXX XXXX XXXX XXXX , it 's successors, and assigns. You need to do this now. Regards. XXXX XXXX
05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37040	Web	Servicemember
To Whom It May Concern, RoundPoint stated in their previous letter to me, that my deed in lieu of foreclosure was completed effective XX/XX/XXXX, and that the account " was due for all subsequent payments at that time ''. They went on to claim that they reported the correct information to the credit reporting agencies on XX/XX/XXXX, indicating the deed in lieu of foreclosure was effective XX/XX/XXXX. However, they further stated that they did not update the changes to reflect the completed deed in lieu of foreclosure until XX/XX/XXXX. It is now XX/XX/XXXX and the changes do not reflect on my credit to indicate a " XXXX and/or settled '' balance. I want scanned documentation showing exactly what XXXX XXXX XXXX , XXXX. reports to the credit reporting agencies, as well as the cited date of submission. RoundPoint stated on XX/XX/XXXX, that they are the owner of the property ; the property at XXXX XXXX XXXX XXXX, TN XXXX is listed in their Real Estate Property Owned. XXXX XXXX XXXX has hired several companies to handle the loss mitigation process. XXXX transferred the process over to RoundPoint with all documentation. XXXX, acting on behalf of XXXX XXXX XXXX, filed a XXXX " Cancellation of Debt '' where they cancelled and forgave all debt associated with the property. I filed this document on my XX/XX/XXXX IRS Tax Return. I have the letter signed and dated by XXXX XXXX XXXX, Vice President of RoundPoint, indicating that the Deed in Lieu of Foreclosure filed with RoundPoint was completed and finalized. First, I am not an attorney nor am I practicing law. However, I would direct your attention to XXXX v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The court, in their holding, stated that the issuance of a XXXX reflects a creditors cancellation and forgiveness of debt. Thus, the creditor can not sue a debtor in an attempt to seek economic losses. Restated, XXXX filed my XXXX, at the behest of XXXX XXXX XXXX, prior to being submitted to RoundPoint, again, at XXXX XXXX XXXX 's direction. Moreover, RoundPoint 's previous letter in response to my last complaint further reflects the outcome of the cancellation and forgiveness of the debt, along with my fourth signed Deed in Lieu of Foreclosure agreement with XXXX XXXX XXXX. XXXX XXXX XXXX, Deputy Property Clerk of XXXX County, and I called RoundPoint and we spoke with XXXX at RoundPoint on XX/XX/XXXX. XXXX stated that XXXX is handling the case ; sent documentation to XXXX ( manager ), who will follow up w/ the " closing department. '' The issue in XXXX County is that RoundPoint never filed a document showing that XXXX XXXX XXXX actually owns the property. The last document they show was filed XX/XX/XXXX ; filed by XXXX XXXX XXXX XXXX XXXX. ; this document, for some unknown reason, conveys the property back into my name, which at this point is beyond impossible. In Summary : My Customer Care Advocate at RoundPoint is XXXX XXXX XXXX. His direct line is XXXX. XXXX XXXX called me while I was in a meeting with my attorney where the following, listed numbers 1-7, was established : 1. The Deed in Lieu of Foreclosure is complete 2. I owe nothing on the account 3. The property at XXXX XXXX XXXX XXXX, TN XXXX is in RoundPoint 's Real Estate Owned. They own the property. 4. RoundPoint has been negligent in reporting to the credit reporting agencies the " settled '' balance and are in violation of the XX/XX/XXXX Fair Credit Reporting Act. XXXX XXXX XXXX , XXXX. and/or RoundPoint needs to report the " XXXX balance or settled balance '' on my credit history. Moreover, I want scanned documentation, including the dates, from both companies of the submission to the credit reporting agencies. 5. My name is improperly listed as the owner of the property mentioned herein. I do not hold insurance on property that I do not own. Therefore, I have no insurance on the property. If I am sued for liability for something that occurs on the property, I will subsequently sue the rightful owner ( s ). It is in XXXX XXXX XXXX , XXXX. 's and RoundPoint 's best interests to complete items 1-5 in this summary as soon as possible. 6. XXXX XXXX needs to be updated with the proper and rightful documentation showing the rightful owner ( s ) of the property herein. 7. XXXX XXXX XXXX , XXXX. needs to contact RoundPoint to get all information in regard to their complaints received by the CFPB at my behest on the following dates : XX/XX/XXXX and XX/XX/XXXX. By XX/XX/XXXX, I am to receive a letter from RoundPoint 's business writers stating the same. XXXX 's contact number at her office is : ( XXXX ) XXXX ; her work email is : XXXX The mailing address to her office is : XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX You have my permission- if you need it at this point- to contact XXXX XXXX in regard to this property and send her the required documentation showing that the property has been conveyed from my legal possession and rights to the rightful owners, RoundPoint or XXXX XXXX XXXX , XXXX. , it 's successors, and assigns. You need to do this now. Regards. XXXX XXXX
03/30/2018	Yes	Mortgage VA mortgage	Incorrect information on your report	TX 78753	Web	Servicemember
This complaint is against XXXX XXXX XXXX. for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error, as well as the Fair Credit Reporting Act for negligence. In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau. I contactedXX/XX/XXXX, C/O XX/XX/XXXX. as they were my Mortgage Loan owner and account servicers during that time. They informed me that we did not file a Reaffirmation Agreement. We had every intention of reaffirming our mortgage payment, as our Attorney sent notice of the bankruptcy along with the reaffirmation agreement to our Mortgage Servicer at the time, XXXX XXXX XXXX. XXXX informed me that notes in my service file stated that Roundpoint mortgage closed our reaffirmation agreement on XX/XX/XXXX, at which time I contacted Roundpoint. XXXX XXXX XXXX was the Mortgage Holder as well as the Mortgage servicer during the time of filing Chapter XXXX bankruptcy. On or around XX/XX/XXXX Round point received a copy of our filing of chapter XXXX bankruptcy and a copy of our reaffirmation agreement. The Loan was transferred to XXXX XXXX XXXX, C/O XXXX as ofXX/XX/XXXX, making Roundpoint still our Mortgage servicer at the time of the ( QWR ) The Reaffirmation agreement was sent to Roudpoint Mortgage by our attorney at the time, who made an authorized Qualified Written Request ( QWR ) on our behalf. Roundpoint failed to acknowledge and respond to our attorney with in the 5 and 30 business day requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) Roundpoint ended up closing our reaffirmation agreement without contacting our attorney on XX/XX/XXXX. Since Roundpoint failed to properly respond to our QWR and closed the reaffirmation agreement without any notice to our attorney they are negligent and in violation of 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) made us unable to reaffirm the loan. Based on Roundpoints negligence we are not receiving credit for making our monthly mortgage payments to the credit bureaus. This negligence is a violation of the Fair Credit Reporting Act, as it was our intent to reaffirm the loan. I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to XXXX XXXX XXXX. requesting notes from our service file about the handling of our reaffirmation agreement.XX/XX/XXXX Attorney XXXX XXXX sent copies of out Chapter XXXX bankruptcy along with our Reaffirmation agreement. Roundpoint failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This Violation constitutes Negligence as we were unable to reaffirm our mortgage. This negligence is a violation of the Fair Credit Reporting Act, as it was our intention to reaffirm the loan to ensure that we got proper reporting and credit for making on time mortgage payment, which are needed in order for us to rebuild out credit score. XX/XX/XXXX Emailed QWR and notice of error to Roundpoint, Email confirmation received on same day. Receive response to ( QWR ) dated XX/XX/XXXX on XX/XX/XXXXviolating the 5 and 30 business days requirement, under 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. Receive response to QWR dated XX/XX/XXXX onXX/XX/XXXXviolating the 5 business days requirement, under 1024.36c, and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B )XX/XX/XXXX received package from Roundpoint in response to our previous QWR which did not contain the notes from our service file. Failing to comply with our QWR as we specifically requested any and all notes, including agent comments. Violating 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) as they failed to provide the information we requested.XX/XX/XXXX Qualified Written Request sent certified return receipt. Failed to acknowledge QWR within 5 business days, violating the 5 business days requirement, under 1024.36c, and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXNotice of Error sent certified return receipt. Failed to acknowledge QWR within 5 business days, violating the 5 business days requirement, under 1024.36c, and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations, as well as the Fair Credit Reporting Act, due to negligence in handling our reaffirmation agreement. Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ]. Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.
09/29/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60624	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX ROUNDPOINT MORTGAGE ( MERS ) I filed a motion to vacate the foreclosure on my moms house after finding out through the XXXX county recorder of deeds MERS Mortgage Electronic Registration System illegally and fraudulently acquired the mortgage and sold it to Roundpoint Mortgage who are prominent investors in XXXX XXXX XXXX all three of these organizations are connected throughout the country and have paid the government homeowners millions of dollars in settlements for pyramiding late payments forcing private insurance premiums and consistently constantly violated RESPA regulations I intend to prove with official documents that my mom owns and paid off her home in XX/XX/XXXX and was fraudulently led to believe she still owed and continued to pay for a home she outright owned since XX/XX/XXXXthis situation has effected her health way of life and livelihood causing her to become worried agitated and always worried about being removed from her home she resided at since XX/XX/XXXX Roundpoint Mortgage bullied intimidated and forced her for over 10 years with calls and mail threatening to take her home XXXX XXXX XXXX XXXX XXXX & XXXX ROUNDPOINT MORTGAGE NOR MERS never initially owned the mortgage and obtained it illegally Im asking the court to dismiss and vacate foreclosure return all of her payments immediately they are PROFITEERS NOT DEVELOPERS who prey on low income homeowners RoundPoint Mortgage services hundreds of DASP mortgages in XXXX through shell companies with names like XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, all based out of the same anonymous North Carolina office building. XXXX, a company with no listed phone number, no website and a single publicly disclosed employee has accumulated 46 properties in Philadelphia through foreclosure proceedings. It has flipped about 10 of those properties. In one instance, XXXX foreclosed on XXXX XXXX XXXX, a newly built townhouse in a middle-class neighborhood of Philadelphia, for just {$65000.00} in XX/XX/XXXX, two months after it had picked up the mortgage at a DASP sale. Another two months later, having made no major improvements to the property, XXXX resold the same house for {$170000.00}. These are in the minority of properties, however. In the majority of cases, private equity firms appear to mainly sit on the properties they accumulate, sometimes for years. If DASP buyers are renting out their new assets while they wait for home values to appreciate, many do not appear to be doing so legally : Out of dozens of properties owned by XXXX analyzed by City & State, none had received a rental license. City & State reached out to both HUD and RoundPoint for comment on multiple occasions, but received no reply from either entity. XXXX councilmember XXXX said she believed this process is increasing the number of vacant and rental properties in urban neighborhoods, in addition to other stressors. When you have homeowners who are evicted or who lose their homes, that has dramatic consequences for a city like ours that already struggles with poverty, she said. We have affordable housing waitlists that take years and homeless shelters that are overcrowded. We cant fix it all. It doesnt have to be this way. XXXX is part of Local Progress, a network of local elected officials that has pushed for reforms to programs like DASP. In XXXX, HUD announced that it would make an effort to steer more distressed mortgages to nonprofit buyers, who would ideally be more forgiving towards impoverished homeowners. Nonprofit mortgage buyers, known as community development financial institutions, or CDFIs, were previously outbid on 98 percent of DASP sales. Most recently Roundpoint violated the Fair Debt Collection Practices Act because it falsely represented XXXX debts in the mortgage billing statements, it threatened foreclosure, it disclosed information regarding the debt to credit reporting agencies, it used an agent to falsely communicate the loans status and then used deception to collect it, and italong with XXXXfalsely represented the legal character of the loan by representing that it could enforce it against XXXX ; ( 4 ) Roundpoint violated the Real Estate Settlement Procedures Act by not substantively responding to XXXX notice of errors ; ( 5 ) Roundpoint violated the Illinois Consumer Fraud Act because of its false claims regarding owed amounts, required fees, loan enforcement, foreclosure, and credit ; and ( 6 ) Roundpoint violated the Fair Credit Reporting Act by divulging incomplete or inaccurate information pertaining to a loan
05/15/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 780XX	Web
Round Point Mortgage Servicing Corporation Attention : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2019 Dear Madam/Sir : Thank you in advance for protecting my interests as a customer as well as for an expeditious resolution duly in my favor. BACKGROUND Closing Date : XX/XX/2019 -- -Sell of Property Property : XXXX XXXX XXXX ; XXXX , Texas XXXX ; Account # XXXX Chronology : 1. Pursuant to advice from the title company ( XXXX XXXX XXXX XXXX ), I waited at least twenty ( 20 ) workdays before contacting Round Point ( XXXX ) to inquire about my Escrow Refund. 2. On or about XX/XX/XXXX, I spoke to your Escrow Representative ( a lady who identified herself as XXXX ). I was informed that the Escrow Refund check ( # XXXX ) was mailed to me on XX/XX/XXXX. I had not, and still have not, received it. I asked XXXX to verify the address to which the check was mailed. The sequence of numbers she quoted was INCORRECT, notwithstanding the fact that for the previous three ( 3 ) years all correspondence ( including a Customer Account Activity Statement dated XX/XX/XXXX verifying issuance of the XX/XX/XXXX check ) to me from Round Point has been sent to the CORRECT address, to wit : XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. 3. As a reasonable person, I am cognizant of the fact that humans make errors. However, the lady ( XXXX ) had a very hard time arranging five ( 5 ) numbers in correct sequence. Finally : ( a ) she was able to comply with my request to quote the numbers to me in correct sequence, ( b ) informed me that she had made corrections and entered into the Round Point system the five numbers in correct sequence, ( c ) advised me of the option to Stop Payment of the XX/XX/XXXX check and ( d ) alerted me to a fact that the Stop Payment process requires a wait period of five ( 5 ) workdays for check to clear plus another seven ( 7 ) workdays for the reissued check to reach me via regular mail. 4. XXXX XXXX XXXX is a small municipality where the regular Postman knows many of us. Consequently, my wife and I have on occasion received in our mailbox inaccurately-addressed mail solely on the basis of our names thereon as addressees. For that reason with hope that the XX/XX/XXXX Escrow Refund check would be delivered, I informed XXXX that I would wait a couple of days before notifying Round Point to Stop Payment on the XX/XX/XXXX Escrow Refund check ( # XXXX ). 5. The wait served no good purpose. Consequently, on or about XX/XX/XXXX, I called Round Point and informed your Escrow Representative ( a lady who identified herself as XXXX ) to initiate the Stop Payment process. 6. On or about XX/XX/XXXX, a conversation with your Escrow Representative ( a lady who identified herself as XXXX ) provided assurance that aforementioned Stop Payment progress had been initiated and was ongoing. 7. Subsequently on or about XX/XX/XXXX, I spoke to your Escrow Representative ( a lady who identified herself as XXXX ) to follow up on the status of the reissued check. After copious dialog and research on her part, she informed me that ( a ) there is no record of Stop Payment on the original check ( XX/XX/XXXX ; # XXXX ), ( b ) I had no option but to again request a Stop Payment, ( c ) upon my request ( which indeed I conveyed to her ), she would comply and again initiate the Stop Payment and ( d ) I would receive the reissued Escrow Refund check by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received the reissued Escrow Refund check. It is simply not right for any person to be treated so inconsiderately and unmindfully, let alone a budget-minded XXXX ( XXXX ) year old customer like me with an impeccable mortgage-payment record with Round Point. If I allow skepticism to prevail, the foregoing sequence of events would smack of chicanery and scamming. I have resisted the temptation to develop such a dubious attitude toward Round Point. However, this wrong cries to be made right. I do have a preference for the manner in which this disputation can be resolved to my satisfaction, to wit : Because our XXXX XXXX and XXXX XXXX dollars ( {$930.00} ) have been held in abeyance or otherwise utilized for over seventy ( 70 ) days, I unflinchingly believe that compensation should be added to the sum to help offset the interest it would have earned in our savings account. Again, I hereby convey my gracias and ask you to please respond affirmatively as soon as possible. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Cc Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/27/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33162	Web
Hello! I was employed as an annual teacher in XXXX County from XX/XX/XXXX-XX/XX/XXXX but due to low student enrollment, I was not rehired. I continued making my mortgage payments until I depleted my savings account. I reached out to my mortgage company, XXXX XXXX XXXX ( XXXX ), for assistance and attended an event that hosted at the XXXX XXXX Convention Center that offered on the spot assistance. At the event, I was told that a decision could not be made but an underwriter will get back to me. I waited and waited. I received a letter from XXXX XXXX XXXX during XX/XX/XXXX that I am not to send mortgage payments to them because they sold my loan to Roundpoint Mortgage Company. I called XXXX immediately and was told that Roundpoint would continue the modification determination. In XX/XX/XXXX, when Roundpoint took control of the loan, I contacted them about the assistance and was informed that I must begin the modification process over because they are a new company and XXXX did not provide any documents to them. I began the process and finally was approved for a modification in XX/XX/XXXX. I was told that I must make 6 trial monthly payments for the modification to be approved. My last trial payment was supposed to be XX/XX/XXXX. I was informed in XX/XX/XXXX by my caseworker that I must continue to make the trial payments until the documents are ready. I received weekly calls from numerous case workers ( because they were changed 3 times ) informing me that a decision has not been made. On XX/XX/XXXX I called to make my monthly trail payment and was informed that it could not be accepted because I did not return the modification documents. I informed the representative that I did not receive the modification documents but to please resend them to me. In addition, I expressed my disappointment of not being told that the documents were being sent and that I should be expecting them. By then, my caseworker has not called me as often as in the beginning of the process. I was informed that I had to restart the modification process. I was upset because this displayed to me that Roundpoint was not acting in good faith with the modification request. I have been making my trial payments on time monthly, have provided every document that was requested of me ( and many occasions multiple times because the faxed documents was misplaced ), and for Roundpoint to not resend the final loan modifications when requested because I did not receive them was very upsetting. I immediately refilled the modification request again that month, XX/XX/XXXX. In XX/XX/XXXX I was informed that the modification was now denied due to equity in the house. Thus, again affirming my belief that Roundpoint was never going to act in good faith with my loan modification request. I reapplied in XX/XX/XXXX but with the assistance of an attorney and again I was denied due to equity in the house. In XX/XX/XXXX Roundpoint Mortgage began the foreclosure process. I was told by the attorney that the only solution to save the house would be to file for a chapter XXXX bankruptcy with Mortgage Modification Mediation because by them Roundpoint would not accept any payments from me. I applied for Chapter XXXX on XX/XX/XXXX. In XX/XX/XXXX at the first mediation hearing, my attorney and I was informed that the investor has placed a flag on my account that a modification will never be granted. My attorney pleaded with representatives of Roundoint to please have the flag removed but to no avail. At this point the only option was now for me to pay my mortgage payment and the arrears bringing my monthly payments to {$2500.00}. This was manageable for a few months but eventually it became overwhelming. My bankruptcy was dismissed XX/XX/XXXX and now a foreclosure sale date has been given. I am writing this compliant because Roundpoint mortgage and whoever is the investor of my loan has not acted in good faith with my loan request. If they would have agreed to resend me the loan modification documents when I did not receive them XX/XX/XXXX, I would not have had to apply for bankruptcy nor I would not be in a foreclosure. I am requesting assistance. I want Roundpoint and the investor to honor the modification and provide me with the modification that they sent to me in XX/XX/XXXX that I never received. I can pay the mortgage but Roundpoint will not work with me to modify the mortgage. Instead they want all the arrears upfront to reinstate the loan ; which I do not have or can borrow.
03/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 074XX	Web
I was charged a late fee for my mortgage of almost 400 dollars when my escrow account had sufficient funds in it. I have called & emailed my mortgage company ( Roundpoint ) several times & have not received a satisfactory answer as to why this is the case. My latest email was sent to them in early XX/XX/XXXX to which I received no response : I have been trying for several months to get a satisfactory explanation from somebody at Round Point to explain a delinquent tax payment from my escrow account made on XX/XX/XXXX for {$2600.00}. I have an escrow account that has always had a sufficient balance to make any tax payments, so why would I be billed for any delinquent tax if the bank did not make the payment from my escrow account? Since I dont see the tax bill and the bank is making the payments from my escrow account isnt it the banks responsibility to make the payments timely? There was plenty of money in the escrow account to make the tax payment on XX/XX/XXXX so why didnt the bank make the payment on time? Since thats clearly the case, why should I be billed for the delinquency, when the bank made the error? If you look at the breakdown of my history of payments, I made my first escrow payment on XX/XX/XXXX for {$3400.00} after closing on our property at XXXX XXXX XXXX in XXXX NJ. On XX/XX/XXXX I began to make monthly and on time payments at the end of every month for {$2100.00}. Included in my monthly payments are {$950.00} that the bank puts into my escrow account. After my first monthly mortgage payment on XX/XX/XXXX I had {$4200.00} in my escrow account. The math is a s follows ( XXXX + XXXX - XXXX PMI Disbursement they take each month from my escrow account = {$4200.00} ) in my escrow account on XX/XX/XXXX. On XX/XX/XXXX the bank took {$540.00} from my escrow account to pay a city tax disbursement. This left me with {$3600.00} in my escrow account. I then made another monthly payment for my mortgage on XX/XX/XXXX. As was the case at the end of XX/XX/XXXX, {$950.00} again went to my escrow account and {$91.00} subtracted for my PMI payment leaving my balance in my escrow account at the end of XX/XX/XXXX of {$4600.00}. During XX/XX/XXXX there were no tax payments taking from my account. I made my normal monthly mortgage payment on XX/XX/XXXX for the same {$2100.00} I paid every month to this point. The same {$950.00} of that payment was put into my escrow account, {$91.00} was subtracted for PMI, leaving my escrow account balance at {$5400.00} at the end of XX/XX/XXXX. The problem, and no one at your bank has been able to give me an explanation yet, is on XX/XX/XXXX I am charged for delinquent tax of {$2600.00} and that amount is taken out of my escrow account. Why would I be charged for a delinquent tax payment when it is the banks responsibility to pay my taxes from my escrow account? As I show in the last paragraph, I have always had a sufficient balance in my escrow account to make any tax payments? If the bank should have taken {$2200.00} out of my escrow on XX/XX/XXXX to make my tax payment instead of the {$540.00} they took from my escrow account, why is that my fault? On top of that they took out {$2600.00} on XX/XX/XXXX which is {$390.00} more than should have been paid, if the bank would have paid the correct amount on XX/XX/XXXX. The bank in effect is taking an extra {$390.00} as a late fee from my escrow account to pay for their own incompetence. To make this error even more egregious they paid {$540.00} on XX/XX/XXXX, so in effect they paid {$2600.00} plus {$540.00} from my escrow account, for a tax payment on XX/XX/XXXX that if it was paid on time and in full on XX/XX/XXXX should have been for {$2200.00}. It appears at the very least that the bank owes me {$940.00}. This amount includes the late fee of ( {$390.00} ) taken from my escrow account for not paying my taxes on time when it was the BANKS responsibility to do so. Add to that the initial payment they made for the taxes from my escrow account for {$540.00} on XX/XX/XXXX that seems to vanish and was not applied anywhere, XXXX + XXXX = {$940.00}. I have been trying to get this straightened out with your company for almost a year and no one there can give me a straight answer. Please have someone in authority, at least a supervisor of some kind, call me as soon as possible at ( XXXX ). I would like this matter resolved and my money refunded immediately. XXXX XXXX
04/20/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	WI 53211	Web
I have mortgages on 4 separate properties that were transferred from Quicken Loans to Round Point Mortgage this year. The first payments to Round Point were to be made in the month of XXXX, 2021. I have found that Round Point business practices are unusual, and violate Mortgagor rights under the mortgage, generating additional profits for Round Point, and in ways which are designed to discourage or make impossible the refinancing of these mortgages. My complaint falls into two categories, Improper assessment of late fees, and actions designed to render refinancing highly difficult if not impossible. The invoices from Round Point Mortgage bear the follow the following statement, using XX/XX/2021 as an example : If payment is not received by XX/XX/2021 a late fee ... will be charged. Similarly, emails have been received stating that the XXXX is the last date on which payment may be made under the grace period to avoid late fees. I arranged for my payments to be handled by bank to bank electronic transfer in the months of XXXX and XXXX of this year. The transfers for the month of XXXX, 2021, were scheduled to occur on the XXXX of this month, which is the date my bank showed the deductions. I am assured by my bank that the transfers were electronic and received by the recipient on the same date. Yet I received a call from Round Point Mortgage stating that these payments were not received on that date and were not posted until the XXXX. They expect to be paid substantial late fees on these mortgages. Further, the Round Point representative on the phone assured me that any payment after the XXXX, rather than the XXXX, would be treated as late. This inaccuracy also concerns me in light of another problem I encountered in the brief time they have serviced my mortgages. Earlier this year, when rates were quite low I applied at a local bank to refinance the 4 mortgages payable to Round Point. After many telephone calls we succeeded in establishing a telephonic contact between my bank and Round Point to verify the existence of the 4 mortgages of mine that they had acquired. After I spent many hours assembling data to complete my mortgage application and after the bank had spent money appraising the properties in question, Round Point failed or refused to give the payoff amount to allow the bank refinances to close. Their ploy in doing this was to make repeated calls to me over a period of more than a month in which I was told that the signature on my authorization did not match the signature on their documents, and that I would have to transmit copies of the original note and mortgage to see if those signatures matched that of the authorization they had received. I replied that while I would be happy to send these, it would not resolve the question of signatures matching because I have used an electronically generated signature on the authorization form. They then said it would take 7-14 days to receive their file copies from another office to see if the signatures match. I replied that these still would not match because of electronic signing, but assured them that I had signed an authorization for XXXX XXXX XXXX ( of Wisconsin ) to have access to my file. That is how the conversation ended. To my surprise, I continued to receive the same call from Round Point Mortgage over a period of weeks, making the same inquiry again and again, more than a half dozen times, but probably not more than a dozen times. Each time I received such a call, which appeared to be from a script, I would repeat the same information again to the callers from Round Point. More than a month later I received a single letter from Round Point, stating that they had received an authorization for access to my account from a third party ( not named in their letter ) and that this authorization would be good for only 60 days. But this letter was back-dated to XX/XX/2021, and more than a month of that 60 day period had already passed. During the period in which Round Point refused to cooperate with providing payoff amounts so that my refinancing of 4 mortgages could close, rates had gone back up, making the refinance impractical. It seems to me that this was the goal of the delay tactics used by Round Point Mortgage. I have not yet received billings for the late fees imposed on my XXXX payments, but learned about them from the person who called me from Round Point today.
02/26/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 94621	Web
This is a second complaint against the same company with continuing problems and new ones. The new ones, including double billing for the Escrow. They forwarded Escrow to pay the taxes on the home. We are trying to pay back almost all of what is due which includes the Escrow that was forwarded. Yet they are not subtracting what was forwarded and are in a sense we are being double billed. I have showed this to my personal bank 's mortgage agent and they have stated that yes it should be reduced and that the remaining should be rolled back into escrow. Our home increased in value by {$130000.00} since the purchase, but the Mortgage Company, RoundPoint Mortgage, did not allow for this in the escrow withdraws. For more then a week now we have been trying to pay {$14000.00} of the {$16000.00} that we owe. They say {$22000.00} with the {$5900.00} that was advanced, but that nearly {$3500.00} of that is being paid back into the Escrow and yet we can not get anyone to take the money. Or to fix the escrow amount. No response at all to what we need to do. The individuals that I have been working with are XXXX XXXX and XXXX XXXX. XXXX XXXX seldom responds and refuses to answer direct questions with direct answers. In fact he will not answer. XXXX XXXX has been the main contact and supposedly XXXX XXXX is suppose to be overseeing him, but that is not really happening either. I have discussed with HUD and other Financial professionals that they are seemingly not doing or avoiding to do their jobs. I requested a forbearance while my Worker 's Compensation case comes to a close and the rest of my back pay and the settlement for being terminated while on modified duty. This is to be resolved in the coming months. Moving forward we can make payment during the Forbearance period so that the lump sum at the end is minimal. When I sent in the paperwork that they requested, ( XX/XX/2020 ) we scheduled an appointment for me to call in and check on the paperwork. They said that they had received it and were processing it. The following day I was suppose to receive and answer, but nothing. More then a week went by and still no answer and so I contacted Roundpoint. On the XX/XX/XXXX XXXX sent me an email saying that they could not read the date by one of the signatures and could it be corrected and sent back. Then they needed me to change the date on mine, which I didn't understand, but did. Still, no news about the forbearance. No response from them at all. The first time when we did paperwork to do a loan modification we sent it all in and on multiple occasions we sent the same paperwork multiple times and nothing would happen and no communication from Roundpoint and then we fell further behind because of inaction on their part. Now we have this happening all over again. a complaint was filed and we are still waiting for a determination, which I think is another stall tact because right before I sent in this current paperwork, an agent of the company looked back and found within 15 -20 minutes that they had not responded at all to the issues of the loan modification. They ( Roundpoint ) did not indicate in writing what exactly was missing and that he could see the multiple emails sent with the information requested but, how there was one page, the same page that came in unreadable but no notation that is was conveyed to us of that problem. Then the paperwork expired with no reason why and without our knowledge. No information at all. Now for the forbearance we filled out the exact same paperwork as what they had us fill out for the loan Modification. We are just trying to get things caught up and get back on path, but this company just delays everything in every way. Myself I am switching over from XXXX XXXX to XXXX XXXX and am missing a letter from Social Security as to the amount I will be receiving, though I have been told the amount. But again if I was unemployed and asking for the forbearance I wouldn't have proof either which is why I was told by HUD and others to ask for a forbearance. We can prove other income that I receive and the co-borrowers income which is about to increase almost {$800.00} a month with more hour being added to her schedule. We just want Roundpoint to Communicate and to address the Escrow issue and let us get this money paid.
12/30/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92057	Web
Loan # XXXX We wish to complain against Roundpoint Mortgage who is holding the final {$22000.00} of our insurance claim with unnecessary delays to the point that it risks the termination of our current construction of our house with our contractor. We have spent all of our personal savings to prevent a pause in reconstruction. We present the following timeline of facts as evidence of this complaint. XX/XX/2022 through XX/XX/2022. - We had a pipe leak that resulted in damage to our property. We filed the proper claim through our insurance provider ( XXXX XXXX claim XXXX ) ; solicited bids for work ; initiated construction ; and received a check for the claim that was endorsed to our mortgage company at the time ( XXXX XXXX ) ; approximately of the claim was released by XXXX. Per our contract with XXXX, we paid a large initial deposit to purchase raw materials and initiate construction, and weekly payment range between $ XXXX {$10000.00} depending on the amount of the work completed the prior week. XX/XX/2022 - XXXX notified us that our loan had been transferred to Roundpoint. XX/XX/2022- Roundpoint notified us as new servicer of mortgage via email. XX/XX/2022 - Roundpoint website recognized our personal information well enough for me to set-up a personal profile and set-up account. XX/XX/2022 - XXXX started demolition and reconstruction of our house. XX/XX/2022 & XX/XX/2022 - XXXX made phone calls to customer service at Roundpoint where he was told that nothing is showing from insurance transfer, but it was merely a matter of time before all funds and necessary documentation would be processed. XX/XX/2022 XXXX XXXX sent an email inquiry to XXXX ( per website ) that stated : Our mortgage was a transfer from XXXX. We were mid-insurance claim when the transfer occurred. Our original insurance check was for {$62000.00} of which XXXX disbursed {$40000.00}. There should have been a {$22000.00} insurance balance transfer that I can not see or access on my new account. All of the FAQs that I could see was designed to address setting up from the initial claim, not a transfer of an existing balance. Please advise. We have about 2-3 weeks of payments to the contractor before we need to access this money and not be late on payments. XXXX and XXXX XXXX XXXX phone XXXX We have not received a response from this email to date. XX/XX/2022 XXXX We sent the following email. XX/XX/2022 XXXX called Roundpoint and was given the choice between waiting for XXXX documentation to transfer or sending them Roundpoints claim forms, affadavits, etc. XXXX elected to complete Roundpoints process. She made a point of explicitly asking if there was more that we needed to do procedurally on our end. XX/XX/2022 XXXX sent all documents described. XX/XX/2022 XXXX XXXX called Roundpoint. She initially talked to XXXX and was transferred to XXXX. She was told that XXXX signature was missing on one page. She was not given an answer when she asked if anyone from Roundpoint would notify or if we needed to perform every action in this process. XXXX stated that the check will be released in a few business days. Again, XXXX made a point of explicitly asking if there was more that we needed to do procedurally on our end. XX/XX/2022 by XXXX Necessary page with XXXX signature was sent. XX/XX/2022 XXXX and XXXX Failed attempts to reach Roundpoint by phone after not receiving check as per XXXX. XX/XX/2022 XXXX XXXX called Roundpoint and reached XXXX who stated that an inspection was necessary. XXXX gave XXXX cell phone number who is a public educator on break who would make himself available XXXX for an inspection. She was told that an inspector would call in 2-5 days. Again, XXXX made a point of explicitly asking if there was more that we needed to do procedurally on our end. XX/XX/2022 XXXX XXXX received a call stating that an inspector would be calling him soon. Since then, we have not received a call from an inspector, the check, nor any correspondence explaining additional requirements necessary to receive our funds. We are also out of savings and are at risk for having the reconstruction of our house halted for nonpayment.
08/04/2022	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	NV 89166	Web	Servicemember
Follow up to complaint XXXX I applied for a VA loan XXXX yet was assigned to Reverse Mortgage Loan Advisor XXXX XXXX XXXX XX/XX/XXXX at XXXX PM ( 2 days ago ). XXXX was able to gain access to my file and that same day. Real Estate Broker XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX, Community Sales Consultant with XXXX XXXX XXXX XXXX : XXXX emailed him over all the information he requested about the move-in-ready home. At XXXX XXXX on XX/XX/XXXX, XXXX let me, XXXX and XXXX know that he received all the information he needed and would have a new pre-approval letter generated and sent out. At XXXX XXXX XXXX sent an email to all of us to inform me that my current phone number was not appearing on my credit report - it had got taken off with the CRAs after I filed a XXXX insurance fraud claim with XXXX XXXX service for not protecting my information. I filed a CFPB and informed XXXX that the information on my application should have been reported to the XXXX and that I would also reach out to the CRAs to inquire about the removal of my phone number- I also emailed the CRAs at XXXX XXXX- including XXXX in the email. letting them know I applied with lender Round point Mortgage however the information provided on the application was not reported to the CRAs. In addition, my current phone number was taken off the credit reports and old /compromised numbers from XXXX were still being reported but are not my current number. XX/XX/XXXX, XXXX XXXX, I provided XXXX with correspondence from XXXX XXXX XXXX and they confirmed that I had the number since last year and I let XXXX know that I had to change my number a total of 15 times and each time I am charged {$36.00} and that I had filed a FCC complaint in the past regarding my information being sold to third parties via XXXX XXXX XXXX. XX/XX/XXXX at XXXX XXXX ; XXXX wanted clarification on the XXXX letter that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX requested and approved. XXXX asked if I filed a police report regarding my XXXX identity theft and I let him know I was instructed by police to contact the FBI - XXXX. I then pulled over on the side of a busy freeway to speak to XXXX over the phone and let him know from XXXX - now ; I have been targeted, for scams, my information was apart of data breaches. In the past, corporations set different terms and conditions just because I am a permanently XXXX Veteran with children. Several organizations tried to forcefully XXXX and bait me on and off social media - I declined several times over the years, with escalated attacks happening in XXXX, XXXX, XXXX, XXXX and XXXX. My vehicle has been tampered with by politically motivated extremist groups. A lot of times Veterans are targeted and attacked to help profiteers prove they are worthy, help them excel in their criminal organizations etc. Even when you don't want to be bothered, even if you are minding your own business, even if you are a neutral party not wanting to get involved in the circus- you are still targeted. I filed complaints with the White House several times. Filed VA record violation complaints which resulted in medical appointment delays, XXXX delays, after I filed complaints regarding HIPAA violations and, XXXX personal retaliation etc. I have had people stalk me on XXXX sites and threaten me with XXXX XXXX Stalk my social media page. I had money stolen out of my bank accounts. I had my mail stolen by USPS employees for an entire year with the OIG fully aware. My children XXXX on their XXXX - their life almost taken by these retaliatory, politically motivated, extremist groups, departments, associations, organizations, and the list goes on. Right now, I am trying to secure housing for my family however since I don't want to submit to corruption, my systematic journey through life remains tough. Over the years, I sent out thousands of emails to different departments, and agencies and filed complaints with thousands of attachments. I provided Loan Officer XXXX XXXX, XXXX XXXX XXXX, and underwriters : XXXX XXXX and XXXX XXXX with 20+ attachments.
03/16/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	TX 76082	Web
The servicing on XXXX XXXX XXXX , XXXX XXXX, TX XXXX transferred to Roundpoint Mortgage on XX/XX/XXXX. Before the transfer, the previous servicer, XXXX XXXX, paid the property taxes on XX/XX/XXXX. The escrow balance transferred with a balance of - {$510.00}. The negative balance was due to the final payment of the year going to Roundpoint instead of XXXX. With the XX/XX/XXXX payment going to Roundpoint on XX/XX/XXXX, my escrow payment of {$570.00} brought my balance to {$61.00}. On XX/XX/XXXX, Roundpoint recorded a transaction for Escrow advance recovery in the amount of {$510.00}. On XX/XX/XXXX Roundpoint recorded a transaction for County Tax disbursement in the amount of {$5300.00} even though the taxes were paid over 3 weeks prior to this date by the previous servicer. This brought my escrow balance to - {$5200.00}. Also, on XX/XX/XXXX, Roundpoint recorded another transaction for Escrow advance recovery in the amount of {$5200.00}. I immediately contacted the county about the overpayment and requested an expedited refund due to my property being under contract to close on or before XX/XX/XXXX. The county tax assessor responded saying the refund would be processed as timely as possible and estimated the disbursement to be on XX/XX/XXXX, 30 days after the payment from XXXX, Roundpoints 3rd party tax division. Per the email from the county tax assessor, the check to XXXX was disbursed on XX/XX/XXXX. On XX/XX/XXXX, the payment for XX/XX/XXXX posted to the account. This would be the last payment made on the property, as it would be sold on XX/XX/XXXX. The funds for the payoff would be wired from the title company before close of business. At closing, the payoff amount to Roundpoint should have been {$120000.00}, but it was {$130000.00} since Roundpoint didnt do their due diligence when the service transferred. I contacted Roundpoint the following Monday, XX/XX/XXXX, after closing about when I would be receiving the money they robbed me of on closing. Roundpoint said it would be 30 days. On XX/XX/XXXX, I checked the mailbox for the refund check and found a check in the amount of {$79.00}. I called Roundpoint on this day about the {$79.00} and said this amount was seriously short of the amount required. Roundpoints response was that this was the over estimation of the payoff and that the check for {$5300.00} had been cut as well and should be there in the next couple of days. On XX/XX/XXXX, I checked the mailbox for the refund check. It wasnt there, so I called Roundpoint and asked where it was. Roundpoint stated that they could not process the refund until the funds were back in the escrow account. Per the countys email showing the check disbursement on XX/XX/XXXX, the check would have been received no later than XX/XX/XXXX. Based on this, Roundpoint had the money on XX/XX/XXXX and lied about it. I called them again on XX/XX/XXXX asking where the check in the amount of {$5300.00} was. Roundpoints response was that the funds had just been deposited and that the check would be cut no later than XX/XX/XXXX and sent overnight. On XX/XX/XXXX, I called Roundpoint to check status on the check and was given a check number and told the would be overnighted. I checked the mailbox on XX/XX/XXXX, no check. Again, I checked the mailbox on XX/XX/XXXX, no check. I was furious but decided to wait until XX/XX/XXXX, today, surely it would be here by now. As of today, the check still hasnt arrived. I called Roundpoint and asked where my money was. Roundpoints response was that they didnt know why I was told on XX/XX/XXXX that the check would be sent out that night since the funds were just deposited back in the account yesterday XX/XX/XXXX. Roundpoint has assured me that the check will be sent out overnight but that since it was after XXXX XXXX that it would have to wait until Monday XX/XX/XXXX to go out. Every time I call this company, I get the run-around. Funds have been dispersed, checks been cut, going out in the mail tonight or checks been mailed out, you should have it a couple days.
08/01/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX XXXXX	Web	Servicemember
On Friday XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX at my temporary address XXXX XXXX XXXXXXXX XXXX, California and it was a certified letter, that I signed to received at US Postal Office in XXXX. Letter states that Round Point is selling my home at auction in XXXX County on XXXX XXXX and I will be put out of my house with Texas Sheriff and will be out on the streets of XXXX, Texas, homeless and with no shelter. I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military Veteran. I respectfully like to stay in my lovely home and live in peace and retired with my XXXX Pains and prescribed Medications. A requested VA Loan modifications has been applied with former VA Lender XXXX XXXX XXXX in XXXX, New Jersey, and they denied loan modification and sold or transferred Va Loan to Round Point, because the Fraud, corruptions and scandal on VA Loan, since XX/XX/XXXX till Present. XXXXXXXX XXXX and XXXX XXXX builders of Texas jointly did a unlawful Federal and State violation of inflanting the appraisal value of my new XXXX XXXX construction built between XXXX and XXXX. The evidence of this unlawful acts from VA and Lender has been given to Federal Government. To make my mortgage more affordable under {$1800.00} a month the purchase of my home has to be under {$240000.00}, at around {$160000.00} as a home in my community in XXXX, Texas sold for {$160000.00} on XXXX with 5 bedrooms ,2 bath ,3,100 sq.ft built in XXXX and home wasn't a foreclosure or short sale as all Texas Licensed Real Estate Agents stated. My home doesn't have upgrades of {$50000.00} to {$80000.00} and my home is available for inspection for the Federal Government and the FBI Investigations. Even though my home loan is in default since XX/XX/XXXX till Present, the corruptions and Fraud and Scandal will not go away and why should I keep paying for a loan that is in fraud and violation of Federal and State Laws.? I am in California having my XXXX Medical treatments with my Primary XXXX XXXX XXXX in XXXX, California who conducted XXXX on me in XXXX and a XXXXXXXX XXXX was perform on my surgically Right Shoulder Rotator Cuff and XXXX XXXX reveals a slight tear from XXXX of XXXX. I love to return to my home and my wonderful neighbors, but there is also a issue of my home needing a emergency repairs in the interior, because of Plumbing Water leak inside of the walls. XXXX home builders of Texas didn't want to fix my home and my home is devastated with molds and unliveable because my XXXX and health. I like to stay in a hotel in XXXX, Texas until my home is repaired and all my furnitures in my home is replaced. XXXX XXXX of Texas will not provide financial assistance for repairs and financial assistance, so I can purchase new furnitures in my home. Also, my home has never been vacated as I have been living in my home alone since XX/XX/XXXX till Present. I will send Round Point Mortgage my application for VA Loan modification to save my home and we will see if lender and investors supports me on my ADA Disability Civil Rights Act under the Department of Justice and as a XXXX XXXX Military Veteran. Will Round Point Mortgage provide me with financial assistance Grants of around {$45000.00} to have Target Remodeling of Texas fix my home interior issues of uncircumstances of XXXX XXXX. I wasn't at home when incident occurred as I have been in California since XX/XX/XXXX till Present for my XXXX XXXX XXXX treatments with XXXX XXXX. Respectfully, once my VA Mortgage be reduce to at least {$800.00} to {$900.00} with property taxes and Homeowners insurance it will provide me with a financial relief. I will send Foreclosure documents from Round Point Law firm by email to CFPB.My good friend and neighbor Deacon at chiurch XXXX XXXX is watching my home until I return to my home in Texas from my XXXX Treatments. I pray that Round Point Law fir and investors supports me on my ADA Disability and support me as a Military Veteran. Very Urgent Matters. Very Urgent Matters.
01/25/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	AL 35242	Web
We are having issues getting the remaining balance of our Supplemental Loss insurance check from Round Point Mortgage. At this time all work has been completed and we have had to use money from our savings to pay the contractor. Round Point Mortgage is doing nothing to assist or expedite this process. Below is a summary of the timeline of events since the damage occurred and our correspondence with Round Point Mortgage. XX/XX/XXXX : Our house suffered damage from a tornado. XX/XX/XXXX : Received a XXXX XXXX loss check in the amount of {$33000.00}. This was sent to Round Point Mortgage for endorsement on XX/XX/XXXX. XX/XX/XXXX : Called Round Point to check on the status of the check. We were told the check had been endorsed and mailed. XX/XX/XXXX : The roof and gutters were completed. XX/XX/XXXX : XXXX XXXX loss check for {$33000.00} was received and deposited. XX/XX/XXXX : We received a check from XXXX XXXX for supplemental items in the amount of {$12000.00}. This check was sent to Round Point Mortgage for endorsement on XX/XX/XXXX. XX/XX/XXXX : Spoke with Round Point Mortgage ; we were told they needed a summary of loss. A copy of the summary of loss was emailed to them. XX/XX/XXXX : Chimney cap was installed. XX/XX/XXXX : Spoke with Round Point Mortgage to get an update on the supplemental check. We were told there were claim documents that had to be completed by us and the contractor. The claim documents were completed and submitted on XX/XX/XXXX via email. The summary of loss was included with these documents. We continued to receive weekly calls claiming they were missing documents. We repeatedly confirmed all documents had been submitted and each time we were reassured everything was in order and the check would be sent. XXXX XXXX ( not sure of the exact date ) : I called Round Point Mortgage, they claimed again to have not received the Summary of Loss. We contacted XXXX XXXX and had them send it directly to Round Point Mortgage. During this phone call were led to believe we would receive the full amount of the supplemental check. XX/XX/XXXX : We received a check from Round Point Mortgage for {$6300.00}, a little over half of the amount of the original supplemental check. XXXX XX/XX/XXXX ( not sure of the exact date ) : I called Round Point Mortgage ; this is when they told us that an inspection was required prior to releasing the remaining {$6000.00}. We had reached the 95 % of work completion in XXXX and all funds should have been released then. We were not informed of the inspection requirement at that time. XX/XX/XXXX : Inspector came out to look at the work that had been completed and submitted the report and pictures. XX/XX/XXXX : I called Round Point Mortgage; was told they had not received the report. They said they would reach out to the inspecting company about the report. XX/XX/XXXX : I called Round Point Mortgage; was told they still had not received the report. They said they would reach out again to the inspecting company. XX/XX/XXXX : I contacted the inspector ; she couldnt explain why Round Point Mortgage didnt have the report. She said she would resubmit it and the photos. XX/XX/XXXX : I called Round Point Mortgage; was told they still had not received the report. They said they would reach out again to the inspecting company. XX/XX/XXXX : I called Round Point Mortgage; was told they still had not received the report. They said they would request a new inspection. XX/XX/XXXX : I called Round Point Mortgage; was told they still had not received the report. They said they would request the new inspection be expedited. XX/XX/XXXX : I called Round Point Mortgage; was told they still had not received the report. They said they would again request the new inspection be expedited. I informed them I would be filing a complaint with Consumer Financial Protection Bureau. At this point all work has been completed and I have used money from my savings to pay off the contractor.
05/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19406	Web
I had a mortgage with XXXX XXXX XXXX, but unfortunately, they sold it to Round Point Mortgage sometime early XXXX. I have been paying in {$2000.00} with XXXX XXXX XXXX, and that continued to Round Point Mortgage. But I received a letter dated XX/XX/XXXX stating my monthly payment has been increased to {$2600.00} ( 30.6 % increase ) to offset escrow difference. I attached the mail for reference. As a panicked and frustrated customer, I called the customer care on XX/XX/XXXX and asked for an explanation. They said my total escrow disbursal for XXXX - XXXX is {$8100.00}, of which there is an additional unaccounted {$3700.00}. I don't have a letter from the county regarding that amount as tax. The customer representative suggested the baseline is the previous year 's tax collection, but when I asked about the record of that, they don't have anything. When I send the tax statement from the county, they said it was a mistake on their end. They requested another escrow analysis on XX/XX/XXXX. I became more suspicious and lost trust with them, so I decided to remove escrow from them and decided to pay it myself. So Round point customer representative asked to send escrow removal form, and I posted that on XX/XX/XXXX. But after several follow up I received a letter on XX/XX/XXXX stating that they denied Escrow removal because Loan to value ration should be higher than 80 %. The customer service team is not appropriately trained to follow up with this, and I called customer care again on XX/XX/XXXX, but they still don't have escrow reports received. On XX/XX/XXXX, I called customer care again and a customer representative named XXXX, who was very rude and making fun of my questions and never allowed me even to speak. When I asked further, he said I owe Round point Mortgage an amount of {$1300.00} towards XXXX - XXXX, which I believed. I requested to record the line myself and gave consent to do so. He said the previous company ( XXXX XXXX XXXX ) has never selected the cushion, which was a complete lie because the cushion chosen by XXXX XXXX XXXX was two months escrow payment of {$750.00}. It was the second lie from them because when I looked at my Escrow balance, my account was never negative, and it was sitting at a balance of {$950.00} at the end of XXXX XX/XX/XXXX after paying my insurance of {$1200.00} and city tax {$1000.00} of XXXX. I paid the {$1300.00} on XX/XX/XXXX, and my escrow balance became {$2200.00}, and my only escrow payout in XXXX is my school tax in XX/XX/XXXX as {$3100.00}. The monthly escrow payment increase is {$450.00} from {$370.00}. Round Point mortgage new escrow analysis suggested I pay {$560.00} escrow monthly and chosen by a monthly payment of {$2200.00}, but since I paid an advance of {$1300.00}, then option 2. Under option one, after all, taxes and insurance payment, Round point mortgage would have an escrow balance of {$3700.00} by XX/XX/XXXX and with option 2, {$3100.00}. There are only two options and is clearly planned to collect more payment from the customer and keep in their escrow account. I have called the customer executive on XX/XX/XXXX and asked for an explanation, but they were unable to give a definite answer to escrow balance. I have done some analysis myself and suggested two more options as per attachment. I could pay lesser than last year after paying the advance of {$1300.00} and would still sitting comfortably {$1400.00} based on my choice 4. I also recommended option 3, where my monthly payout remains unchanged after paying a {$1300.00} advance amount. As a customer, I would like to keep my hard-earned money in my account so that I can use for my need. I humbly request help from Consumer financial protection bureau to protect my right and get my monthly payout down or keep it at the same. I also request an explanation from Round point Mortgage, who has been doing the same thing for several customers to stop these unethical practices.
12/03/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 082XX	Web
Investigate Roundpoint mortgage servicer I have asked for modifications refinancing offered to pay double mortgage payments during 3 different mod attempts they sent back or refused payment then blamed me then apologized starting a modification while being told up front I was advised to ask them to apply arrears to the back of the loan and I insisted on all payments and monies applied to the loan to be applied to the principal and to acknowledge to credit companies the where being paid on time then requesting a covered forbearance in XXXX verbally and received 2 phone calls asking how I was doing and never receiving any paperwork then after asking for paperwork told I had to submit my application in writing after pointing out XXXXXXXX XXXX requests to servicer 's and mortgages companies to help people with the covide forbearance I was told didn't apply to my account and loan then they were mailed the 3rd modifications payment on time in XXXX which I mailed through my postal service with tracking number they never called to ask me if I mailed the payment instead they continued to collect XXXX 's, XXXX 's payments and sent a letter in the end of XXXX then cashed XXXX 's money order sent back XXXX XXXX XXXX payments which I immediately sent them back again and after telling them of postal tracking number and information I was lead to believe that they were going to honor my modification and add monies to the back of the loan then this is when I applied for the federal covid forbearance in writing again didn't receive any response in writing or by phone I have continually pointed out there neglect and irresponsible people to help with any alternative repayment terms has lead me to continue to pay legal fees and file suit against them they continue to cash some money orders and send some back they continued to ask for letter of hardship then I was made an offer on the house and I asked for a payoff amount that they sent email that we could not open even after I sent them the written offer and again requesting payoff amount never received called and complained of money not being applied to the loan credit companies not being notified of on time payments and money that I sent to them not being applied to loan and being sent back false costs and penalties being applied through out covide then asking for XXXX XXXX refinancing again not answering my requests and concerns for their attempts to steal the equity from the property also putting pictures of my home on a foreclosure website having my phone home computer email bombarded with people 's attempts to steal my home after I complained about foreclosure website the removed the property for a short time and it is back up again my loan went from approximately XXXX to over XXXX and they have been paid since XXXX on time except for what they have sent back they were implying the modifications were in the works while advertising the house on foreclosure website then I asked for the law that said that I was not eligible for any assistance with any government programs and the covide forbearance again I am still waiting for legal proof of being in eligible and there misleading modification attempts was only playing with the time for them to continue to force me to pay them with out applying mortgage payments to the loan as originally requested and I have continued to ask please I am not the only person to have this problem with these two companies also I was never told that the loan was sold originally to XXXX or I would have changed it then thanks for your help with this please have someone look into this I am having someone contact XXXX FHA in XXXX I have personally tried to contact XXXX XXXX XXXX of Roundpoint and he has not responded to date thanks for your time and effort with this please let 's get the American people to respond to a new headquarters for Roundpoint with monies from the people 's Government
08/20/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	NC 27526	Web
On XXXX XXXX, XXXX my wife and I closed on a VA home mortgage. When we closed we were informed by the closing attorney that our property taxes are being establish based on a normal tax year. Our initial escrow payment, paid at closing, was {$1000.00} for home owners insurance and {$2500.00} for one year of property taxes. Our home was a new construction loan, so at the time the taxes were accessed the lot was vacant. We were informed this was a possibility by our closing attorney. The XXXX property tax bill was {$610.00} and is due XXXX/XXXX/XXXX. Our home owners insurance was paid in full for one year on XXXX/XXXX/XXXX, which left the {$2500.00} for XXXX property taxes. When I received the property tax bill I called the loan originator and was informed that the loan was sold to Round Point Mortgage Servicing Corporation and would be effective XXXX/XXXX/XXXX. I called to speak with them and was informed that they could not perform any action until after they have officially assumed the loan, however, the XXXX/XXXX/XXXX payment would still be due to them on that date. On XXXX/XXXX/XXXX I made my XXXX mortgage payment which was processed on XXXX/XXXX/XXXX and increased our escrow balance to {$2800.00}. On XXXX/XXXX/XXXX I called and asked how to handle this, and was informed by RPMS that they would complete an escrow analysis on the account and issue a refund check in the estimated amount of {$2100.00}. I also informed them that I received a {$610.00} property tax bill for XXXX and they confirmed that they had received the same amount. I was also informed that they planed to pay the tax bill in XXXX, which is 3 months past the due date. I was told the escrow analysis would be performed on XXXX/XXXX/XXXX and to call back at the end of the week to see if it was run earlier. On XXXX/XXXX/XXXX I called RPMS to receive the results of the escrow analysis that was scheduled to run on the XXXX. I was then informed that it was not going to be run until later that day and to check back in later. Later in the day on XXXX/XXXX/XXXX I called to see if the analysis was complete. I was then informed that on XXXX/XXXX/XXXX the escrow department decided that they would not preform an escrow analysis on the account because I owed {$2500.00} in property taxes. After informing them that I was told a different story earlier in the day I was transferred to a supervisor. The supervisor then informed my that their records were accurate and dispute them I would have to request a tax audit on the account and then an escrow analysis could be run in XXXX on XXXX. I decided to call the closing attorney and see what I should do. He told me he would write a letter stating why the escrow account was established the way it was and should be enough documentation to push RPMS to run the escrow analysis. On XXXX/XXXX/XXXX I called RPMS back and informed them that I had reported their activity the VA Loan Center in XXXX and the closing attorney, as well as the actions taken by the attorney. I was then placed on hold for roughly 25 minutes and was transferred to a supervisor. He then told me that the escrow analysis was not necessary, however, because I was so adamant he would speak to the escrow department. I was placed on hold again for roughly 20 minutes. When the supervisor came back on the line I was told the escrow analysis was complete and a refund check would be issued in the amount of {$900.00}. I asked why the amount was so low I was told it was because my annual taxes are {$2500.00}. I informed him that that amount was not acceptable and wished to speak with someone in the escrow department and was told I could not. I then informed him that the XXXX taxes are only {$610.00} and the insurance premium was already paid in full. I was then told there was nothing more he or RPMS could do. On XXXX/XXXX/XXXX I received a letter in the mail with a refund check in the amount of {$900.00}.
08/30/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	CO 810XX	Web
Mortgage servicer Round Point Mortgage has help my loan since XXXX XXXX when sold to them from original lender. Purchase price {$77000.00} on XXXX XXXX, XXXX with appraisal of {$96000.00} I put {$19000.00} down. I owe {$75000.00} XXXX XXXX, XXXX. Frburary XXXX my husband moved out of the residence. I stayed and continued to get payments sent. Down to XXXX income and XXXX teenage sons I called RPMS to see what options i had available since loss of significant income. I was told that there was no help available because I was current on payments. I remember thinking that was crazy, but when i talked to XXXX they confirmed that to get the help refinance on mortgage the loan needed to be 90 days past due I knew without a change it would be. I lost my job on XXXX XXXX, XXXX I worked there for XXXX yrs and it was a high stress job at the hospial. I made payments up until my savings ran out in XXXX XXXX. I applied for unemployment hardship XXXX XXXX, XXXX loss mitigation case was n't examined until XXXX XXXX, XXXX. In XXXX XXXX I was approved for a 3 month special forbearance with {$0.00} amount due expiring XXXX XXXX, XXXX balance of {$5400.00} I was still unemployed and getting a divorce. During the forbearance the payments I sent in got returned and no credit was given. I did n't receive any notice from Round Point Mortgage about what happens next and unsure about how I was going to come up with the entire past due amount I submitted another application & affidavit to get an extension. Faxed by my XXXX approved councolored on XXXX XXXX, XXXX. I would be more likely to get a job after graduation I am attending College while unemployed and needed a little more time. As of today XXXX XXXX, XXXX i found out my house was sent into forecloseure on XXXX XXXX, XXXX which was a surprise because on XXXX XXXX, XXXX during another meeting between XXXX councilor and RPMS contact I was told by RoundPoint that I was not in foreclosure status because we 're still in documentation stage. I blamed that on them because I sent what was asked for and then they ask for more. Why did 've still not had my application reviewed by loss mitigation. My point of care contact would tell me to send in specific documents i did and i would get another letter saying they needed more information. Nothing change financially other than my oldest teenager had a job and I put that he lived in the home and he worked. So even after I forcefully explained I did not want to evolve my child in this issue I was told I had to send his check stubs and a letter from him that he lives with me. Of course he lives with me it 's my responsibility to take care of him until he 's old enough to move out and finished high school. He does have a daughter and pays child support but is it normal for a mortgage company to ask for children 's income?? And I was asked to get a letter from my soon to be exhusband on what he contributes financuially. My lawyer was pushing for spousal support but nothing had been court ordered. And when I did get any money there was a price I paid also. Now I have to ask him for a letter? Should I show up and his new place he got with his girlfriend? The humiliation of it all is too much. I have a XXXX councilor that 's helped put the application together and sent info requested for me while with my coucilor on XXXX XXXX, XXXX was assured by RoundPoint Mortgage that my house would not go into foreclosure because I was in documentation stage. WRONG without my knowledge a foreclosure date of XXXX XXXX, XXXX processed and I was n't aware of it for 5 weeks. I was told on the phone today and had not a clue about it being foreclosed on. I was wondering where to send my payment, because on XXXX XXXX, XXXX I got notice of contract transfer starting XXXX XXXX, XXXX. I 'm worried and uninformed. Please help me!!!
04/18/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX XXXXX	Web	Servicemember
XXXX XXXX and XXXX XXXX and RoundPoint Mortgage Servicing Corporation wants to collect {$21000.00} and foreclose my home with new VA Loan Servicer Roundpoint Mortgage of XXXX, Texas. Also, wants me to make VA Loan payments of {$1800.00} on a VA Loan and home purchase that is fraudalent, Scams and Corruptions. Respectfully I will not make VA Loan Mortgage that is in Federal and State Fraud and corruptions. There is a major issues on VA Loan and purchase of XX/XX/XXXX with a major fraudalent, Scams and Corruptions with XXXX XXXX of Texas and XXXX XXXX XXXX of Texas. XXXX and XXXX XXXX inflanted the appraised value of the home and sold me my new construction home for {$240000.00} a home that was bigger than mine sold for {$160000.00} on XX/XX/XXXX and no homes was sold in XXXX , Texas for {$240000.00} before XX/XX/XXXX. My XXXX in Texas prepared me a letter on my behalf in regards of fraudalent, scams and corruptions of XXXX XXXX, XXXX XXXX, XXXX XXXX of Texas and XXXX XXXX of Texas. I can not and unable to pay no VA Mortgage over {$900.00} with property taxes of {$400.00} and Homeowners Insurance of around {$300.00} a month and property taxes in Texas is escalating. I am divorced, retired, XXXX and I live alone in my home. I only receive {$3700.00} California XXXX XXXX XXXX XXXX Pension Income with No Social Security Benefits.I am XXXX years old.and XXXX I have been XXXX since XX/XX/XXXX till Present.and have a XXXX XXXX. I am in California having Medical XXXX Treatments with my Primary XXXX XXXX XXXX XXXX since XX/XX/XXXX till Present. I have XXXX.on my XXXX XXXX XXXX XXXX XXXX .since my XXXX in XX/XX/XXXX. Also, My new XXXX XXXX XXXX has a major plumbing leaks on the inside of the walls of the master bedroom closet.and damages is about a estimated of {$41000.00}. I filed a Texas XXXX XXXX claim on XX/XX/XXXX and insurance company and XXXX XXXX hasn't approve my legitimate claim. XXXX Attorney XXXX XXXX of XXXX XXXX, California is assisting me as a Military Veteran and only on XXXX XXXX claim. Telephone XXXX email XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, Ca.XXXX I am unable to reside in my home because of molds on the walls and damages to my furnitures, bed as water settled to through my interior home. I made contact with XXXX XXXX XXXX by emails, because my home has a ten year warranty and XXXX rep stated that the two or three years Warranty has terminated.According to XXXX reps statement they stated that my home was built in XX/XX/XXXX and completed by XX/XX/XXXX or XX/XX/XXXX. I close escrow on XX/XX/XXXX. Notice : If VA Lender investors wants me to release my home to them, I like for them to provide me with the equity funds from my house as a fair settlement on Discrimination and Retaliation against me as a XXXX Military Veteran. I don't know the value of my home and my request is with respect to accommondate me on my XXXX XXXX relocation and shelter Cost out of Texas. If VA lenders will not modify my VA Loan and make my payments very affordable to {$900.00} including with property tax and homeowners insurance and also pay my VA Mortgage from XX/XX/XXXX till XX/XX/XXXX. Than is permissible that we have a fair resolutions and agreement what's noted on my Federal Government complaint. Notice : I will not fill no more VA Loan modification applications as i have done five VA Loan modifications with XXXX XXXX and XXXX XXXX, VA Lender can provide all my information to transfer VA Lender servicer in XXXX, Texas. If VA Loan will not be modified than I am respectfully requesting a fair resolutions to VA Loan frauds, scams and corruptions and Discrimination and Retaliation against me as a XXXX US Military Veteran and XXXX XXXX XXXX. I am going through a XXXX Medical issues and on Prescribed Medications. This is a very Urgent Matters.
02/10/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NM 88310	Web	Servicemember
Roundpoint gave my mom XXXX XXXX a home mortgage loan for {$50000.00} the house is valued at {$120000.00} my mom did not even meet the financial criteria to even get the loan that's what roundpoint said but they said they waive the minimum Financial criteria to give her the loan with any year she started to fall behind on payments for a couple of reasons one because they were double charging or flood insurance on escrow she would send them blood insurance then they would charge her their own and then she couldn't make the minimum payments because she didn't make enough money just like at the minimum but they helped her on the modification of the loan but it didn't reduce the amount that much so therefore she fell behind a little bit later on they transferred it over to XXXX she then applied for the modification again 8 months she was behind on payments they sent her a letter denying the modification saying they did not she did not meet the minimum Financial criteria I told him she didn't even meet the minimum Financial criteria to give her the loan but yet you won't help her out to help her get this remodification because she didn't meet the minimum Financial criteria she didn't mean it in the first place how could you deny it and then they waited 5 months to give another reply and said now we have to deny it because now she's over 12 months behind I said how come it took you almost 5 months to reply to that they gave me no explanation they kept calling my mom everyday sending letters every day you know my mom got so stressed out she went to the hospital she has they had XXXX on a XXXX because XXXX XXXX they were calling her at the hospital wanting to make a payment when she's in a XXXX I told him to stop calling the hospital my mom became bad written she was XXXX crying on the phone they would make my mom cry well when she died like 4 months after all of sudden roundpoint starts to foreclose they don't mention XXXX at all in the foreclosure process it's still you know in foreclosure but how can they foreclose on a house when they weigh the minimum Financial criteria to begin with but yeah it won't help her out on the modification because she didn't meet the minimum Financial criteria it just sounds like the mortgage company is trying to profit off low income people also I came up on a on a little bit of money I sent XXXX {$35000.00} they sent it back to me said it wasn't certified check I said it doesn't have to be a certified check because on the on the contract it could be any check we sent checks for payments all the time and anyhow there's a confirmation on the bottom of that check and and XXXX XXXX XXXX payment on the check and there was a confirmation number on there but they sent it back and the reason why they sent it back so round pointer for clothes on it sell the house keep the profits and XXXX with getting and I'll get a little bit of more Commission they knew my mom was dead but now around Point acts like they don't know me when I could call cuz my mom gave me permission and told them that I could call and check on the account anytime and find out information but they act like I don't exist and I want to keep the house I begged with these people let me restart the loan to start me from scratch they won't do it and now they charged almost {$15000.00} in attorney fees so far trying to get a hold of my other brother heirs and stuff like that you know things that don't even even pertain to mortgage they just keep on attacking fees because they're trying to find my brother or something to that effect and they just keep on attacking fees now out of {$30000.00} that was owed left on the house now like {$50000.00} is old because {$20000.00} in legal fees I just don't understand I beg these people to restart the loan but they won't do it
10/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20906	Web
My original Complainf File Number is Case number : XXXX. I am now complaining regarding the same issue and again roundpoint giving me incorrect information again. This is the email I have sent them nDear Roundpoint, I am once again writing to you to get my mortgage insurance removed again. I rang yesterday again at XXXX to get my mortgage insurance removed and once again I was told by the operator that my MI could not be removed because my loan had not been seasoned for 5 years, and if it was between 2- 5 years it had to be at 75 % LTV. This message was also passed by XXXX XXXX the supervisor. I told the operator that this was non-sense as XXXX XXXX XXXX ( Consumer Omburdsman for Roundpoint ), I am attaching her response above had written to tell me that as long as loan to value was less than 8o % MI could come off ( under section XXXX ). I had infact made a payment to roundpoint on XXXX XXXX to get my outstanding down, so it would be under 80 %. Here is the receipt. A charge to your credit/debit card has been scheduled! You have authorized RoundPoint to CHARGE a XXXX Credit/Debit card Payment. Please review the information below and retain this email for your records. Processing Date : XX/XX/2015Effective Date : XX/XX/2015Card Name : XXXX Account : XXXXPayment Amount : $ XXXXPayment Tracking Number XXXXPayment Authorized On XX/XX/2015 XXXX XXXXPayment Authorized By : XXXXAuthorization Method XXXX Agent Authorization ( Agent ) Reference InformationLoan Number : XXXXDescription : This authorization is to remain in full force and effect for this transaction onlyand for the amount listed above. Please address questions or concerns by calling RoundPoint directly at XXXXduring normal business hours. You information department did not have the letter sent to me XXXX. How can a department function without them having the right information. They once again told me that my MI could not come off. I had to email the supervisor a letter that has original been sent to me by rounpoint. I also made it clear that a new MI removal form was also posted to Roundpoint on Friday XXXX XXXX to get MI off under Section XXXX. My problem still remains thata ) your agents do not their jobs. The lady on the phone told me that she was not aware that MI could come under section 3. 99 % of the people remove it due to Section XXXX and XXXX, so again was giving me incorrect informationb ) Your supervisors also do not know when MI can come off and do not want to communicate this to your customersc ) Roundpoint send me a letter to tell me how my MI can come off but does not give the send letter to its staff- how are they supposed to do their jobs. Like my first complaint again I have the incorrect information given and passed to me. If I was given the correct information when I rang months off ago I would have done the necessary and got my MI off using section XXXX rather than Section XXXX. The only reason I went for Section XXXX was due to direct advice from your team- a fact that you have already agreed to and is in the recorded conversationsIm am now asking for a refund of MI I have paid which was unnecessary over the last 3 months as I could have got my loan to value below 80 % a long time ago, had I had the right information. It was again disappointing again to be given the wrong information again yesterday. How many of your customers are still paying MI when they do not need to, because your staff do not know the correct information. I am again resending removal of my MI with regards to XXXX XXXX principal balance reduction. My LTV is below 80 % no payments have been missed or delayed. I am also including the letter, I received XXXX. PLEASE ACTION THIS IMMEDIATELYI will also be forwarding my complaint again to the relevant authorities.
07/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07753	Web
1 ) My wife and I refinanced our home loan through XXXX XXXX ( mortgage company ). Our NEW 30-year fixed rate conventional loan closed and funded during XX/XX/XXXX. Our new payment is {$230000.00} which includes {$160000.00} toward loan principal and interest plus an additional {$740.00} into escrow for payment of real estate taxes and our homeowners insurance. The XXXX mortgage payment was scheduled for XX/XX/XXXX. 2 ) During XX/XX/XXXX, we received notices from both XXXX and ROUNDPOINT MORTGAGE of XXXX, XXXX indicating that our loan SERVICING had been assigned by XXXX to ROUNDPOINT and that we were to begin making our {$2300.00} payments to ROUNDPOIINT XX/XX/XXXX. 3 ) We then met our first three ( 3 ) mortgage payments due XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Everything was fine to this point. All funds were applied correctly to this point. Our XXXX quarter XXXX real estate taxes were paid as due! 4 ) With our {$2300.00} payment due XX/XX/XXXX paid on XX/XX/XXXX, we then received a ROUNDPOINT letter dated XX/XX/XXXX. This was an ESCROW ANALYSIS informing that our monthly payment amount was to be changed. The payment would be reduced from {$2300.00} to {$2200.00} because the {$140.00} portion of our escrow payment ( the homeowner insurance amount ) would no longer be collected in our payment. We soon received an escrow refund check from ROUNDPOINT in the amount of {$120.00}. . 5 ) We contacted ROUNDPOINT and informed them of their error. They acknowledged! We were to continue making our payments at the original {$2300.00} amount 6 ) We paid our XX/XX/XXXX payment and all was fine to that point 7 ) We soon received another ESCROW ANALYSIS LETTER dated XX/XX/XXXX. This letter indicated that we had been paying {$590.00}. We always paid {$740.00} not just {$590.00} as this XX/XX/XXXX letter indicates. The XX/XX/XXXX letter indicate that our escrow payment is to be increased to {$740.00} from the current {$590.00} level. Now, please keep in mind that our required escrow payment has always been {$740.00}! Please keep in mind that we had always paid {$740.00}! Please recall that the {$590.00} amount only came about based on an error in the ROUNDPOINT LETTER of XX/XX/XXXX. {$590.00} had never been the only amount collected into escrow during our first 5-mortgage payments. Now, the ESCROW ANALYSIS process complicates matters worse! The escrow analysis concludes that since we are only paying {$590.00} into escrow all year ( not the {$740.00} we actually were paying ), we now have a projected {$1100.00} escrow balance shortage to make up. For this reason, there would be an extra {$92.00} collected in our new payment ion order to recover the escrow deficiency. Our payment would not be returned to {$2300.00} as it should have been all along, but rather, the new payment would have to be {$2400.00} which includes {$830.00} into escrow and not {$740.00} beginning XX/XX/XXXX. 8 ) Again we contact ROUNDPOINT CUSTOMER SERVICE and explain how they are screwing this loan up completely. This time, there is no success. They are convinced that after only having made XXXX-payments on our mortgage loan that we now have an escrow shortfall of & gt ; {$900.00}. They are refusing to back off on the {$2400.00} payment 9 ) We paid {$2300.00} on XX/XX/XXXX for that payment. We paid {$2400.00} ( extra escrow ) on XX/XX/XXXX as XX/XX/XXXX payment and now we have paid {$2400.00} on XX/XX/XXXX as the XX/XX/XXXX payment so as to not default even though the XXXX customer service personnel wont make the necessary corrections. I am convinced it is not because they want to be uncooperative. The problem is they dont understand what they did or how they did it. 10 ) I am now compelled to submit a RESPA Section 6 complain
05/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63304	Web
I refinanced my home in XXXX 2015, the refinance company sold my mortgage to Roundpoint mortgage servicing provider on XXXX XXXX, 2015. That company, to my knowledge made no attempt to find out who my insurance company was. made no attempt to find out who my insurance company was. They already had the insurance and money that I had put in to the account but did not follow through with paying my mortgage insurance. When my insurance company realized that my insurance was about to be canceled they called me, told me what was going on so I called Roundpoint, talked to a man named XXXX. He did call my insurance company to make arrangements. He was told by myself and by my insurance company that we were already in the grace. And that my insurance was due to be canceled midnight XXXX XXXX. He said that it would get handled in plenty of time, but on XXXX XXXX, 10 days later, my insurance still had not been paid, again my insurance company alerted me and I called Roundpoint again. They told me that a check has just been sent. On XXXX XXXX my insurance company called me and suggested I put the insurance on my credit card I refinanced my home in XXXX 2015, the refinance company sold my mortgage to Roundpoint mortgage servicing provider on XXXX XXXX, 2015. That company, to my knowledge made no attempt to find out who my insurance company was. made no attempt to find out who my insurance company was. They already had the insurance and money that I had put in to the account but did not follow through with paying my mortgage insurance. When my insurance company realized that my insurance was about to be canceled they called me, told me what was going on so I called Roundpoint, talked to a man named XXXX. He did call my insurance company to make arrangements. He was told by myself and by my insurance company that we were already in the grace. And that my insurance was due to be canceled midnight XXXX XXXX. He said that it would get handled in plenty of time, but on XXXX XXXX, 10 days later, my insurance still had not been paid, again my insurance company alerted me and I called Roundpoint again. They told me that a check has just been sent. iI refinanced my home in XXXX 2015, the refinance company sold my mortgage to Roundpoint mortgage servicing provider on XXXX XXXX, 2015. That company, to my knowledge made no attempt to find out who my insurance company was. made no attempt to find out who my insurance company was. They already had the insurance and money that I had put in to the account but did not follow through with paying my mortgage insurance. When my insurance company realized that my insurance was about to be canceled they called me, told me what was going on so I called Roundpoint, talked to a man named XXXX. He did call my insurance company to make arrangements. He was told by myself and by my insurance company that we were already in the grace. And that my insurance was due to be canceled midnight XXXX XXXX. He said that it would get handled in plenty of time, but on XXXX XXXX, 10 days later, my insurance still had not been paid, again my insurance company alerted me and I called Roundpoint again. They told me that a check has just been sent. On XXXX XXXX my insurance company called me again and suggested that I put the insurance on my credit card just in case it does n't get credited by midnight XXXX XXXX. As it turns out it 's a darn good thing I did that because my account was not credited with that amount until XXXX XXXX. Today is XXXX XXXX, I am waiting f as it turns out it 's a darn good thing I did that because my account was not credited with that amount until XXXX XXXX. Today is XXXX XXXX, I am waiting for my refund! This is a very huge deal and I am very angry about it.
08/11/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28269	Web
XXXX XXXX, XXXX Roundpoint XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, NC XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Payment Errors : Your company rejected the full payment I made on XX/XX/XXXX in the amount of {$24000.00}. Roundpoint failed to comply with written instruction apply the full amount on XX/XX/XXXX. XXXX Delivered the funds on Thursday, XX/XX/XXXX at XXXX XXXX tracking number XXXX received by XXXX The servicer must respond to the consumer letter before the sale or within 30 business days of receiving it the servicer receives the letter with payment instructions more than seven days before the sale date XX/XX/XXXX. Today XX/XX/XXXX I spoke with XXXX, Customer Service Loss Draft Specialist, Roundpoint Mortgage to determine why Roundpoint failed to comply with written payment instructions subsequent to XX/XX/XXXX and prior to XX/XX/XXXX. XXXX, Customer Service Loss Draft Specialist in violation of 12 CFR 1024 engaged in unlawful business practices by stating Roundpoint did not receive payment instructions Thursday, XX/XX/XXXX. Roundpoint received written payment instructions prior to cashing the payment on XX/XX/XXXX. XXXX, Customer Service Loss Draft Specialist only acknowledged email correspondence marked second request further demonstrating deceptive business practices by the servicer who failed to send a letter within 5 days acknowledging receipt of the payment & payment instructions. When I asked XXXX Customer Service Loss Draft Specialist to acknowledge the first payment instruction letter she abruptly disconnected the call, then Roundpoint engaged in further unlawful business practices locking my online account. The Consumer Protection Bureau can not allow mortgage servicers to unlawfully abruptly disconnect recorded conversations. XXXX XXXX, Attorney At Law, XXXX XXXX XXXX on XX/XX/XXXX told the court in the matter Roundpoint Mortgage v. XXXX XXXX would apply the payment received Thursday XX/XX/XXXX cashed XX/XX/XXXX. Case No. XXXX Your company did not properly credit the payment that I made on Thursday XX/XX/XXXX in the amount of {$24000.00}. This payment should have been credited to : Roundpoint account # : XXXX or XXXX XXXX account # : XXXX. o The payment should have been credited to principal, interest, escrow, or other charges prior to XX/XX/XXXX. Your company failed to credit the payment I made as of the date of receipt Thursday XX/XX/XXXX. Fee Errors : Your company incorrectly imposed undue charges and fees described in the statement transaction activity subsequent to XX/XX/XXXX to include attorney, fees. Monetary award per 12 C.F.R. 1024.35 violation : I am entitled to a monetary award of {$2000.00} per violation or more for violations of CFR 1024. I am entitled to a lower interest rate, a lower payment, and a lower overall loan balance : Your company engaged in unlawful practices in violation of C.F.R 12 C.F.R. 1024.35 Exhibits : Exhibits to follow due to the urgent nature foreclosure set for XX/XX/XXXX I am submitting and continuous unlawful business practices I am forced to submit written notice of 12 C.F.R. 1024.35 violations prior to compiling the complete list of exhibits. Please apply the payment prior to the XX/XX/XXXX sale date. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. If you need to contact me, I can be reached at XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
06/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30339	Web
On XX/XX/XXXX I discovered that Roundpoint Mortgae had not paid my home owners insurance premium with XXXX. I was told by the customer service agent that they had not received an invoice from XXXX. I called XXXX who has records of sending multiple requests to pay the insurance premium of {$490.00}. We conference called Roundpoint to resolve. Roundpoint representative stated that Roundpoint does not handle escrow accounts and escrow account payments for insurance. They stated a third party insurance company called XXXX XXXX handles this on Roundpoints behalf. XXXX XXXX was conferenced into the call. They claimed they had no record of Insurance being in my escrow. Although they claimed they saw a payment of premiums from XX/XX/XXXX. Roundpoint used my escrow funds to pay XXXX in XX/XX/XXXX. Roundpoint then claimed that they didnt have the loan in XX/XX/XXXX when the insurance was paid and stated a mortgage company that I had never heard of serviced it and that an insurance company that I had never heard of was who they paid a premium to. XXXX has provided home owners insurance since my loan began with XXXX XXXX in XX/XX/XXXX. Roundpoint made the payment in XX/XX/XXXX. All of their information was incorrect. I was told that I had to submit in writing that I wanted a hazard policy in the escrow ( it already was ). Roundpoint classified my homeowners insurance as wind and earthquake and XXXX XXXX claims this is why they refused to pay the premium. It had to be classified differently. I submitted the email ( to a generic customer service email ) with a request for expedited service as my hone owners insurance was 1 month past due. XX/XX/XXXX I called XXXX and the premium still had not been paid, I paid {$100.00} out of my own pocket to ensure that I had home owners insurance for my home. I called XXXX XXXX who this time stated that I did not even have an escrow account. They have no record of any money being escrowed for anything. I have {$1400.00} in my escrow account as of XX/XX/XXXX. We conferenced in the Roundpoint agent. They now claim they are processing a addition to escrow. I requested something in writing to submit to my insurance company so that they dont cancel my policy. Roundpoint and XXXX XXXX stated they refused to give me documentation. They stated that they record the phone calls and that that is all I need. But then refused to send me a transcript of the call. The Roundpoint agent told me to use the online chat feature and take screen captures if I want any documentation from them. I feel as if this is fraud. I believe that Roundpoint and XXXX XXXX XXXX are working together to scam consumers into using a XXXX XXXX policy. If they dont pay the premium wrh XXXX it will be cancelled. Then Roundpoint and XXXX XXXX can force me into a XXXX XXXX policy as my mortgage requires me to have home owners insurance. This is clearly a scam. I have never heard of a company that cant provide documentation and validation of what they say. THey refused to mail or email a simple statement saying we are working on the issue and expect to make a payment from the escrow account to XXXX for the insurance premium by x date. They stated that I did not need documentation for myself or for XXXX because their word is all I need. The XXXX XXXX agent even made the comment that they would provide coverage comparable to what I was getting to XXXX is that policy lapses. The policy is a month past due BECAUSE OF XXXX XXXX AND ROUNDPOINT. This can not be legal. This has to violate the Law. I have never missed a payment. I have always been on top of my account. The fact that Roundpoint has incorrect information and always changes their story really has me concerned.
09/13/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 604XX	Web
I have submitted an application back in XXXX with Round Point Morgaget servicing company I have submitted all docmets that were requested. I diligently followed up each week to check the status of the application. I was informed that XXXX XXXX th that a document was missing which was a XXXX lien I then went to the local court house to obtain a copy of the satisfaction of the lienas instructed and forward it over to Roundpoint Litigation Dept. I followed up in a few days to ensure that the documents was recived. the Rep stated that the secon page was not recived I faxed it over the same day. I was then ask to giv it 24 hr for the documents to be recived and revieed by underrrighters however that there was no other documents needed. I called Round point the following week to verify the application was submitted. I was informed that no futher documents is need at this time and that the application is complete by the women repsentativ at Roundpoint, I contacted RoundPoint Mortgage serv. Last week Friday XXXX @ XXXX to check the status of the application, as I always do weekly and I was informed that the application was still under review and that there was a lien on my home from XXXX county as of XXXX 2012 the Rep stated that 's all he can see instructed me to go to the local court house, I went to the court house they informed me that there is no lien on the property and taxes are up to date. I then call the title company they affirmed the same no lien on property, I called RoundPoint back I spoke to XXXX XXXX he stated the same however he was unclear, I informed him that the title company stated that there is no Lien it is the mortgage that was sold after purchasing the property. He indicated that a releases was needed in order to move forward and to go back to the court house and obtain a copy, I asked XXXX XXXX how come I was not informed of this initially when I went to the courthouse to retrieve a copy of the Mechanics Lien I called every week to check the application status? and was informed the app was complete?? I went back to obtain the copy of the Release of Lien, I called round point spoke to XXXX XXXX at XXXX she informed me to call XXXX XXXX to see if they can release the lien since they had the loan prior and that Round Point had to be first on the Loan, I spoke to rep from there and the indicated that they would need to speak to Roundpoint, I called back XXXX XXXX gave authorization to speak to the company giving verbal consent she informed me that the application is now closed, and denied due to not receiving the release effective Friday XXXX the same day she also informed me that I am two months past due on my mortgage which is impossible because I have auto draft, I called my banking institution and they stated that my Mortgage company is at responsible for the draft because it has been set up since XXXX begging of the year, someone at Roundpoint Mortgage needs to be held accountable this is the second time that they have denied my application with prejudice. I have been more than compliant I have too choose between feeding my XXXX kids, and infant baby and paying my mortgage payments, this also the second time the removed me from auto pay without notice which ultimately made me fall behind I would like this matter to be investigated it appears that I am being targeted so that my home can go into foreclosure, I have a consistent payment history with Round point until the they remove me from auto pay XXXX XXXX stated he does not know what happened and will look into what happened on there end XXXX XXXX assured me the same that there was a glitches in there system, please look into this matter. I appreciate all of your efforts. Thank you
08/28/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20601	Web
We have housed Department of Behavior Health patients since XXXX and on XX/XX/XXXX one tenant kicked in the door of another tenant and shot 3 people ; one died. On XX/XX/XXXX, I pro-actively called our mortgage company, Roundpoint Mortgage Servicing Corporation, to inform them of the incident and to talk about options for our XXXX mortgage payment since we had a lot of damage to the property to repair due to the shooting. While talking to the representative, she took a phone application for assistance. We were approved and received a repayment plan ( attached ). At that time, we were current with our mortgage and thought we had made a payment arrangement with our mortgage company to help us make the necessary repairs due to the shooting incident AND stay current on our mortgage. THIS WAS NOT THE CASE!! On XX/XX/XXXX, I called Roundpoint to discuss another issue and to my surprise, the representative informed us that our account had been delinquent XXXX, XXXX, and XXXX due to our XXXX repayment plan. I was shocked and could not believe my ears!! We were NEVER told and it is NOT written in our contract that if we accept this repayment plan, then our account would inherently become delinquent despite making payments as agreed. We NEVER would have accepted this offer, which affects our credit long-term. I emailed our complaint on XX/XX/XXXX ( attached ) to Roundpoint. After several follow-up calls AND after re-sending the complaint XX/XX/XXXX, we finally received the attached response, dated XX/XX/XXXX, even though we did not receive a response until 3 months later. Then, the response did not address the root problem-why were customers, who were current on their mortgage loan, offered a plan that caused them to become inherently delinquent on their mortgage loan despite making payments as agreed? Roundpoints response only addressed the negative credit reporting, which is only a symptom of the root problem. In addition, the information outlined in the repayment plan documents is incorrect. The documents use language such as past due amounts on the mortgage, bring your mortgage current, delinquency of the mortgage, and listed the past due amount as {$3600.00}, but NONE of this was correct because we were current in XXXX. We were NOT past due on the mortgage, did NOT need to bring our mortgage current, were NOT delinquent on the mortgage and did NOT owe {$3600.00}. I responded to Roundpoints XX/XX/XXXX correspondence and explained our concerns in two emails dated XX/XX/XXXX ( attached ) ; however, the assigned Customer Advocate Specialist did not respond to my 2 emails so I called her to discuss. When we spoke, she was very dismissive of my concern to deal with the root problem. She ONLY referred me to page 5 of the documents, which ONLY focused on the symptom regarding the negative credit reporting. She did not address the inaccuracies in the repayment plan or the fact that the documents did not tell us that we would become delinquent under the repayment plan. I mentioned that I needed to file a complaint and she stated that the complaint would just come back to her as if she was not going to address the root problem even if I take another complaint avenue. Based on my experience, repayment plans, forbearances, modifications are used to help customers. In fact, years ago we needed assistance because our ARM payment became too high and the mortgage company told us that they could NOT provide us assistance at that time because our account was current. We certainly never agreed, verbally or in writing, to accept this repayment plan that would cause our current account to inherently become delinquent and cause long-term harm to our financial health.
06/05/2019	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 31907	Web	Servicemember
I am a victim of mortgage fraud. My realtor lied about practically everything. My mortgage has been sold three times the first year in XXXX and the interest rate is 5.5 %. XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ( XXXX ) XXXX XX/XX/XXXX - Roundpoint Mortgage Here is my story. I was diagnosed with XXXX XXXX XXXX in XXXX and now I am fully XXXX and receiving Social Security XXXX. In XXXX, I applied online for a home loan supposedly thru XXXX XXXX. Later, I discovered thru XXXX XXXX that they never received a home loan application from XXXX XXXX or my SSN and they do not assign Realtors. This is where XXXX XXXX, Realtor, XXXX XXXX XXXX enters the picture. In XXXX, online XXXX XXXX approved a XXXX home loan and assigned a Realtor ( XXXX XXXX ) to me. Ms. XXXX contacts me and shows me two new homes ready for purchase. Then suddenly XXXX XXXX tells me that my loan was not approved. I feel that this is the end of my home search due to recent Identity Theft issues. However, Ms. XXXX still contacts me. I quickly explain to Ms. XXXX that I can no longer afford a home because XXXX XXXX denied my application. She states, " I have a house for you! '' I now know this was all just a ploy to sell this dilapidated old house. By telling me I was approved, showing me new houses, and then canceling the loan left me virtually homeless. I had already submitted my notice to vacate my apartment and I had to move. I was XXXX XXXX, on a fixed income and now soon homeless. I think she planned and took advantage of all this. Since moving in XX/XX/XXXX, I have had nothing but problems and yes I had the home inspected prior to moving in and she manipulated that too. First, there was a strange odor coming from the stove whenever I cooked. So, I lifted up the stove top and underneath was so filthy and rusty the stove had to be replaced. Also, the heating unit went out and I had no heat this past winter. Ms. XXXX said the HVAC was completely repaired two years prior to my moving in. When I had the unit serviced XX/XX/XXXX, the Repairman said the Heating Unit was 20 years old and so rusty that he would have to permanently disconnect it for fear of carbon dioxide poisoning. The pipes are so old I have hard water which have clogged my washing machine ; now, that needs to be replaced. And, XX/XX/XXXX I discovered that there was a leak underneath the kitchen sink that was so bad it actually leaked out into the holes in the kitchen floor tile and underneath the kitchen floor cabinets. Now, all of the cabinets have begun to rot. After replacing the stove, the HVAC needs replacing and that's just the first year in the house! Ms. XXXX told me there were back taxes on the XXXX year old house. The monthly principal is XXXX and at the time escrow was XXXX ; total payment XXXX. The insurance is XXXX. I contacted the tax office who told me the yearly taxes are only XXXX and there are no back taxes. She lied again. Ms. XXXX also said she had the home sprayed for termites. XXXX XXXX came by my home stating that the past tenants were still under contract and they wanted to inspect their outside stakes at no charge. After their visit, I soon discovered lizards in my home. Three months later when XXXX returned I explained that I would exterminate my own home. I later received a bill for XXXX. I contacted the XXXX XXXX Main Office in XXXX who apologized, canceled the bill and sprayed my home for free! There are just some things I did not notice until I moved into this house. For example, the rugs were just filthy and there is so much dust in the attic I can literally taste it. I just believe I was taken advantage of because of my XXXX. I desperately need a much lower interest rate.
09/28/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30094	Web
In order for my loan to be taken under consideration I submitted the requested documentation per RoundPoint Mortgage Servicing Corporation NMLS ID # XXXX request. I was given a loan modification plan for three months. When I called and asked the reason for the cancellation the Servicer did n't give a reason other than the lender choose not to continue with payment arraignment. The servicer stated if I wanted to do a loan modification I needed to submit another full loan modification package which I supplied. I was told the loan modification was under review which I never got verification of the decision. The XX/XX/XXXX I began to ask for the loan modification again and again was instructed to send a complete loan modification package for consideration. After completing the loan modification package I was told the information was under review. Again in XX/XX/XXXX I was mailed a package from RoundPoint Mortgage to fill out again concerning a loan modification. I was told the lender need additional information. I again completed the required documentation. Again I did not receive a response or verification of the outcome for the loan modification. On XX/XX/XXXX, Plaintiff had received a NOTICE OF FORECLOSURE '' communicated from XXXX XXXX, XXXX attorneys for XXXX Scheduled for XX/XX/XXXX. I spoke to XXXX XXXX XXXX for RoundPoint Mortgage Servicing Corporation and he instructed me to submit again my loan modification paperwork because they did not locate my previous applications. On XX/XX/XXXX XXXX XXXX email me and stated he finally received the paperwork I sent in and it was being sent to their loss mitigation inbox for setup. During this process XXXX was attempting to foreclose on my property. According to the FHA Note Case No. XXXX paragraph XXXX. GROUNDS FOR ACCELERATION OF DEBT section ( D ) Default ... In many circumstances, regulations issued by the Secretary will limit Lender 's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, " Secretary '' means the Secretary of Housing and Urban Development or his or her designee. I made a complaint to the Comptroller of the Currency and was told to contact the CFPB. When I spoke to HUD concerning the FHA Note I was informed that I needed to speak with XXXX ( a subcontractor ) concerning my loan. The HUD agent was XXXX XXXX a HUD investigator. HUD stated they did not see a foreclosure concerning my loan. XXXX agent informed me that the Lender and Brower asked to cancel the FHA Insurance. I assured the agent that I would have never asked to cancel my insurance. I asked for a copy of the documentation or paperwork that shows I asked to cancel my insurance. I was given the cold shoulder and told the only way I would get any information concerning my loan I had to submit a Freedom of Information Act Request. I have submitted two FOIA request and still have not received the requested information. RoundPoint Mortgage did not inform me that I was not eligible for any loss mitigation option or that I had a right to make appeal with any of my previous loan modification applications. During my last attempt for a loan modification during the review process of my application the other mortgage company XXXX was attempting to foreclose on my property. I do not understand why Roundpoint was leading me on to think I would get a loan modification and still foreclose on my home. I have tried to negotiate, amend or modify the security deed with several entities, as reflected in the public records, including ROUNDPOINT MORTGAGE SERVICING CORPORATION, to no avail.
04/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92694	Web
This complaint is in regards to RoundPoint Mortgage Servicing Corp. of XXXX NC. My mortgage was transferred t o RoundPoint ser vicing. This was in XXXX 2017. I had ( an d have always ha d ) an escrow account for taxes and insurance. Upon receiving notification that my servicing had been transferred I called RP 's customer service to ensure that I did n't need to do anything to make sure my insurance was being paid. They confirmed that they had my XXXX policy and everything was good. I called twice, and both times was assured that it was fine. I then received a check from Roundpoint in the amount of approximately {$800.00} for " overfunding of my escrow account ''. I called again because this number is very close to the cost of my insurance premium. They told me ( 3rd time now ) that my account had been over funded and my insurance was still good. They even confirmed the policy number. About a month later I got another letter from Roindpoint stating that I needed to call the insurance dept. I called, and they told me that a mistake had been made and that not only had they not contacted my insurance broker to update the loss payee when they took over my mortgage but they also did n't pay it so my insurance had been cancelled! I could not believe it. I called my insurance broker at XXXX XXXX and they confirmed that Roundpoint had never reached out to them to update themselves as the lender and they had never remitted payment. So, unbeknownst to me, my home had been uninsured for the previous 45 days or so. On top of that, because the policy had been lapsed for over 30 days it was not able to be reinstated and had to be rewritten. In the meantime, XXXX had increased their premiums, so for the same coverage my policy went from $ XXXX /year to $ XXXX /year. Also, because of the lapse, my wife 's engagement ring ( which had always been a part of the coverage ) would need to be re-appraised. So not only did I lose my grandfathered premium, I incurred a 33 % increase in my premium ( which will now be every year ), I had to take a day off of work and drive 2 hou rs to where I got the ring to have it re-appraised so it could be back to the policy. I spoke with the supervisor ( XXXX ) at RoundPoint 's in surance dept who has agreed several times that this was 100 % their error, and no steps have been made to make it right. I have spent hours and hours on the phone with my insurance company and RP, coordinating the insurance policy being re-written, making sure it got paid, getting the ring re-appraised, getting that info over to them, all so I could pay over $ 400+/year extra because they did n't bother to make the call and get the insurance paid. I Also lost days of work and had to pay for another appraisal. And this is n't a one time thing, I will now have to pay this increased premium every year AND my mortgage payment has now been increased because the escrow account is now underfunded, because my increase in insurance. XXXX a t RP h as told me that it will be reviewed by management but I have been getting the same response for weeks now with no resolution or offers to make this right. I do n't believe that it is fair for me to have to cover all of these expenses because of ( admittedly ) so meone else 's oversight. I thank god that nothing happened to my home during the time that ( again, unbeknownst to m e ) I was un insured. Had there been a fire, or someone got hurt, or my wife lost our wedding right?? I did n't want to have to submit a complaint but I have given them several chances to make this right and feel I have been more than patient but this just is n't right. XXXX XXXX
03/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 305XX	Web
I wanted to pay off my mortgage. I moved, and when I did, I wanted to pay off the mortgage on my new home with the proceeds of the one I just sold. My mortgage servicing was with XXXX XXXX XXXX, and was transferred to RoundPoint Mortgage, who I have the complaint about. I contacted XXXX XXXX XXXX on XX/XX/XXXX to obtain pay off information. They stated that my servicing was being transferred to RoundPoint Mortgage on XX/XX/XXXX, and if I sent them any payments, they would be returned to me since that was the last day they serviced the loan. Therefore, I contacted RoundPoint Mortgage to obtain payoff information. They informed me that they did not have my loan information, only the loan number, and wouldn't be able to help me until a week later on XX/XX/XXXX. The problem with this, is that I have interest accruing at just over {$20.00} per DAY, on an amount of {$310000.00}. I obtained the physical address for payoffs with RoundPoint Mortgage in XXXX Texas. and overnighted the payment of {$310000.00} ( which was about {$1200.00} more than the balance to cover any accrued interest and escrow amounts there could be just in case ). I sent the payment on XX/XX/2022, and it was received on XX/XX/2022 at XXXX and signed for ( I can provide that name if needed ). There was a cover letter with the cashiers check I obtained from my bank in the envelope. It had all pertinent information, including my loan number, phone number, property address ( which is the mailing address ). I asked them to call me if they had any questions. On XX/XX/XXXX, I tried to obtain information on my mortgage through my " Dashboard '' on their website. It showed the mortgage was paid off, therefore it would not provide ANY information at all. It was like I didn't exist. So, I called them the next day on the XXXX of XXXX at XXXX am ( I always take good notes ), and since my loan was paid off, their system would NOT let me speak to a person. It would just say " goodbye ''! I had to pretend I was someone else, since when I called it had my phone number recognized in their system, and send me to their automated " goodbye '' system. When I finally got through pretending I was someone else, I spoke with the customer service rep, and was informed that the payment was credited on XX/XX/XXXX, XXXX days later than the day they received it to the address they provided to me, and that means interest adds up to an additional {$120.00}. After speaking to her supervisor, she said I would have to file a complaint to an email address ( XXXX ), give them all my information, including proof that it was received and signed for. She told me that they had 5 days to respond. Once off the phone, I did as requested, and emailed my complaint. On day XXXX, XX/XX/2022, since I didn't receive a call or email response, I tried to contact them again, having to go through the same " goodbye '' process. When I finally got a rep on the line, he had to contact his supervisor, who contacted their department that handles this stuff, and was ASSURED that I would be contacted by XXXX pm XXXX. My gut said that was not going to happen, and it didn't. Not only am I not getting credit for my payment on the date they actually received it, I have no way to obtain any information on my mortgage to determine the amount of overpayment, escrow balances, or anything else. Unbelievable and unacceptable. I know that the transfer of servicing can delay things, but to not correct an error, not doing what they said they would do, and having no way to obtain any information about my mortgage, but after I did everything they requested I do. This is wrong in every way.
10/10/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 300XX	Web
Monday, XX/XX/XXXX " From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : RoundPoint Mortgage servicing Company XXXX XXXX XXXX, XXXX XXXX Regarding Loan Number : XXXX Escrow Dispute / Overpayment of HUD RESPA Amounts / RoundPoint 's Claim of Irregular Payment Withholdings / Incorrect Claim Of Late Penalty Charges. " I demand the correction of the above captioned errors of RoundPoint M.S.C. Creative Mathematical Accounting of this Mortgage Loan. " I have paid the amount I owe on this loan since the inception date of the HUD Settlement on XX/XX/XXXX. complete and full and on time period. " Due to XXXX XXXX XXXX XXXX Former of Choice of Mortgage Servicer XXXX, and their incorrect aggressive and clear and obvious unfair business practices, and overall extremely poor communications and inept financial calculations of handling the new V. A. Refinance Home Mortgage Loan which actually was less then two months into the the original signing XX/XX/XXXX. The impounds were in fact secured and paid to both The XXXX XXXX XXXX XXXX and the hazard Insurance was paid to XXXX on time and correct by XXXX XXXX XXXX XXXX 's selected closing Law Office of XXXX XXXX XXXX the documentation supporting this is attached. " I have correctly investigated and corroborated on XX/XX/XXXX From XXXX XXXX of XXXX that my homeowner 's policy was paid the amount of {$880.00} By The Law Offices of XXXX XXXX XXXX on XXXX Then XXXX has confirmed they were paid again ( unnecessarily ) on XXXX/XXXX/XXXX the Amount of {$890.00} By XXXX The actual overpayment equals the amount of {$790.00}. The difference of the H/O Policy Change was for additional placed scheduled personal property endorsement amount is {$100.00}. Thus the amount of {$880.00} plus the scheduled personal property endorsement premium amounted to {$100.00} the total premium for XX/XX/XXXX through XX/XX/XXXX equals The amount of {$980.00}. Additionally the Amount I personally paid XXXX {$52.00} for my Additional Scheduled Personal Property 0n XX/XX/XXXX. Then On XX/XX/XXXX along comes XXXX and pays XXXX an additional amount of {$100.00}. " This is just plain and obviously an error By XXXX which has triggered an escrow re-analysis that is negative and incorrect and must be corrected no doubt period. " Unprofessional shoddy and just plain an obvious unfair business practice and inept accounting of the escrow account and HUD RESPA guidelines. " While In turn closely and quickly being replaced by RoundPoint M.S.C. and handing off their shoddy inaccurate accounting of the escrow account. " After I realized something was seriously wrong and inaccurate and attempting to try and address exactly what was transpiring with the communications of the XXXX Mortgage Servicing Companies with the inaccurate handling of the hand off of the re analysis of the escrow accounting of misinformation and missteps presented to XXXX XXXX XXXX XXXX and not advising myself the writer of why and what accounting of this escrow account changes were being made in my interest and leaving me to try and figure out what was going I started to pay additional amount into the escrow before I could determine what was actually transpiring regarding the escrow account ( New Mortgage servicing company number XXXX and new mortgage servicing company number XXXX from too many cooks in the kitchen destroying the stew and the relationship. ) " The following attached documentation indicating speaks clearly of the amounts I have paid on this loan from the beginning to this date and when it was paid and received by registered mail by the USPS. XXXX XXXX
12/07/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	KY 40223	Web
In XX/XX/XXXX I began the process of requesting the removal of PMI insurance. I was told by a representative in customer service that per their records I already had the required equity in my home, but needed to be 5 years into the loan to remove the PMI, which would be as of XX/XX/XXXX. I asked if it would be ok to go ahead and send the request for review, so that they could prepare / approve the request and remove it as soon as that was possible at the 5 year mark. The service rep said they were not sure it would be processed, but no reason not to try. I could not speak to anyone directly in that department, but there was an email and a fax. This started a long adventure and string of information sent to them. The email address is XXXXXXXXXXXX, and their fax is XXXX. I copied their fax machine electronically sending out each email. I emailed and faxed the request to remove PMI from my loan starting on XX/XX/XXXX. Surely, it seems this could be processed by now. Everything is always about what their procedures require ... but they are not reasonable and they are not competent or else they are not honest, at least not in my experience. I sent emails and fax requests, with signed requests for the PMI removal, on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested each time that they send me confirmation of receipt via email ; I requested each time that they send me confirmation they would review and process the request ; I requested each time that they email me confirmation once the PMI removal was complete. Bottom line, this never happened or I would not be bothering you ... they did have someone call in XX/XX/XXXX or XX/XX/XXXX, saying that the form was not the correct form, but they 'd mail me the form, as the form for the removal of PMI on an FHA loan could not be found online. I never did see those forms, and eventually when I called back in XX/XX/XXXX they did tell me the correct form could now be found online, and each request after that time ( starting XX/XX/XXXX ) was the correct form. I was promised last week on XX/XX/XXXX that they 'd send me an email that day or the following day, that the PMI would be removed, and that the removal of PMI would hold with the new servicing company. This week when I called on Tuesday XX/XX/XXXX, they informed me that request was cancelled / they could not process it, because they did n't have time ... they had sold my loan. The new servicing company, XXXX XXXX, has a service number of XXXX ... their representative said they did n't have me in the system yet, could not locate my loan, but could by tomorrow. I can tell you, unless you tell me you can solve this, I will sue them in small claims court shortly. I also have on file the 22 emails with attachments. I also have several recorded phone calls, some lasting over an hour, where I was promised a return call from a manager or supervisor ( none was ever currently available ). Those return calls never came. I expect the new servicing company will give me a similar runaround or a different story. With Roundpoint it was just wait and wait and we 'll deal with the processing when the time comes. The new company will probably have a whole new set of hurdles and procedures, so I feel cheated already. I have wasted clearly many hours of my time and effort with nothing to show for it. Total ripoff.
04/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27703	Web
Roundpoint Mortgage has made several mistakes over the course of XX/XX/XXXX and XX/XX/XXXX. I wont go into details since this is my third complaint but to recap they have failed to calculate our property taxes properly ( 50 % off - according to them they had the wrong parcel number??? ), they lowered our monthly mortgage and sent us a refund check of {$2600.00}, and despite our concerns said it was correct and that there would be enough to pay taxes, PMI and Hazard insurance. We in the process asked for a new analysis which took 4 months to get and early in the process realized that they had never paid PMI. WE notified them of that error and were not aware they had not been paying. PMI is their requirement in order to protect THEM since we didnt put 20 % down. They failed to pay this and for about 18 months used the {$100.00} a month we put toward PMI to go toward property taxes. In summary This all resulted in a {$4000.00} shortage in escrow ... .an increase of {$500.00} payment a month. Since we were assured the refund check of {$2600.00} was correct, we have used towards other financial obligations. So now, where are we supposed to find an additional {$500.00} a month for mortgage? A variance of {$100.00} or so is normal and to be expected but this is unheard of and all because of mistakes after mistakes they made and a lack of communication. In XX/XX/XXXX, 2 months after our first complaint we finally got a letter from them, finding excuses about all the mistakes they made and letting us know that they used over {$2000.00} of our money in the escrow account that we had put toward XX/XX/XXXX property taxes. There was no communication or discussion around it. Just we took your money, increased your payment and now you have a shortage. Of {$4000.00}. The claim that they have tried to reinstate PMI many times in XX/XX/XXXX and in XX/XX/XXXX - yet we have never even heard that there an issue with PMI and that it hadn't be paid until we realized it in early XX/XX/XXXX. We have asked several time for proof of this attempt to reinstate it in XX/XX/XXXX after they realized they hadn't paid it and that it got cancelled..apparently they didnt have proof of employment from us?? again..we never got contacted on that matter and asked proof ... .. we also asked proof regarding that approximately {$2000.00} payment they made from our escrow account to reinstate PMI in XX/XX/XXXX ... cause yes now they had to pay 18 months of monthly premium in order to reinstate ... again where is the proof that this is what you did with our money??? NONE ... .and we have asked. We called the PMI provider and they couldnt provide information since RoundPoint is there customer but did agree we are totally in the right to request proof of payment and proof of all these attempted reinstatement in XX/XX/XXXX. Roundpoint is such a fraud and there is no one that can communicate with you. We finally got answers after we filed a complaint here. Then we got an email and phone number of a consumer advocate - we got a few emails and I was hopeful- then, our payment mortage got updated on the website, still no answers on all the proof we are requiring, and the person no longer answers emails nor the phone ... ..?? goes straight to voicemail.How is this company legit - i see I am far from being the only person complaining about similar issues with them!! In their formal responses, the only thing roundpoint agreed to do is to spread the shortage over 36 months ... which still leaves in with an increase of {$300.00} a month!! and no proof of where our money went!!
11/26/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	LA 70115	Web
I received a letter from my mortgage company, RoundPoint mortgage, XXXX XXXX, 2015 alerting me that I did not have adequate flood insurance coverage and would need to raise my coverage to {$250000.00}. I promptly called RoundPoint 's insurance department and spoke to XXXX. I explained that I had just gone through this same issue with XXXX XXXX at RoundPoint in XXXX of this year, and the {$190000.00} worth of coverage that I carry on my building is sufficient to cover the replacement of the building. XXXX reviewed my file and said that he would need a form from my insurance agent stating the coverage that I have is sufficient and all would be taken care of. He said that he would contact my agent the next morning to get what he needed. I also contacted my agent, XXXX XXXX at XXXX XXXX XXXX, and on XXXX XXXX, 2015 she confirmed that she faxed over a copy of my flood insurance renewal XXXX page, and renewal application listing the replacement cost to RoundPoint and the issue should be resolved in 24-48 hours after RoundPoint processed the information. I then get another letter dated XXXX XXXX, 2015 again telling me I do not have sufficient flood coverage and will need to raise my policy to {$250000.00}. I spoke to XXXX in the RoundPoint insurance department on XXXX XXXX, 2015. He told me that they had received the information from my insurance agent and that my coverage amount was only {$130000.00} and would need to be raised to {$190000.00} to cover the cost of replacement on my building. He also indicated that they overpaid the premium on my flood policy. This information did not seem correct, as my flood coverage was always {$190000.00} and it did not make sense that it was lowered, but I said I would check with my insurance agent and if it was only {$130000.00} I would have it raised to {$190000.00}. XXXX also said that he needed to check on the overpayment and would get back to me. As seems usual for RoundPoint I did not hear back from XXXX as promised. On XXXX XXXX, 2015 I again contacted XXXX to confirm the amount of my flood coverage and to find out about the overpayment XXXX mentioned. XXXX confirmed that my flood coverage is {$190000.00} and that it was possible the {$130000.00} was a typo on the part of the mortgage company. She also confirmed that there was no overpayment of my flood premium, the payment amount that XXXX quoted was for the hazard insurance policy, not the flood. I then called Roundpoint back and this time spoke first to XXXX, then to his supervisor XXXX. XXXX then tried to convince me that {$250000.00} of coverage was required because of my loan amount, to which I explained to her that my loan amount has nothing to do with the amount of flood coverage required. Flood insurance does not payout any more than what the building is worth no matter how muck flood coverage I have and my loan amount was to purchase land as well as the building and as a mortgage professional she should know that. As such, the {$190000.00} worth of coverage that I carry is the correct amount needed to replace the building. She then tried to backtrack and stated that there are instances where less than {$250000.00} of coverage are sufficient and my house is XXXX of those cases. She also confirmed that my flood policy was for {$190000.00} and that was sufficient. At this point it was my understanding that this issue was resolved. Then I received a letter from RoundPoint dated XXXX XXXX, 2015 alerting me that they had forced placed {$58000.00} worth of coverage on my dwelling for an additional {$430.00} per month.
10/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60031	Web
My husband and I had inquired about the process to remove the PMI from our mortgage with RoundPoint Mortgage, and were under the impression a large lump sum payment towards principal would lower our monthly payments. During our initial call in on XXXX, we were informed that we would need to submit a PMI Removal Request form for consideration and it REQUIRED 1 ) a new appraisal at our expense, and 2 ) substantial improvement ( s ) to the home which raise the value ( rather than a lump sum payment dropping the loan to 80 % of the home 's value in the most recent appraisal given in XX/XX/XXXX when we refinanced ). Additionally, to drop our monthly payment would require us to submit a Recast Request and it REQUIRED 1 ) a {$300.00} fee, and 2 ) {$10000.00} or more lump sum payment. My husband and I thought it would make sense to first drop the PMI, which drops the monthly payment, and then choose whether or not to submit a Recast Request as it would properly reflect only Principal, Interest & Escrow ( no PMI ). However, upon speaking with XXXX XXXX, the Customer Fulfillment Specialist assigned to our requests on XX/XX/XXXX, I advised our substantial improvement was delayed by the contractor and I would possibly need to then postpone the appraisal scheduling. I mentioned our plans to also submit a Recast Request as I'm XXXX which has placed me on XXXX and am looking for all the ways to cut our monthly expenses. She placed me on hold to speak with her Recast Team as her loan calculator was not working to calculate the ballpark drop in our monthly payment ( considering the large lump sum payment made on XX/XX/XXXX towards our principal ), and to get her supervisor 's ( who I later found to be XXXX XXXX ) advice on whether holding off on the appraisal would negatively impact our PMI Removal Request given they try to resolve the cases within 30 days. Once she returned, she advised her supervisor did recommend postponing the appraisal as a substantial improvement is required to qualify for PMI Removal, but that it would not pose an issue given the project 's new expected completion date. Additionally, she advised her supervisor had advised the monthly payment would drop to approximately {$1000.00} a month ( P & I exclusively ) considering the {$75000.00} payment, AND that we could submit the Recast Request prior to the PMI Removal Request being carried out/decisioned on since the large payment had been made and she could begin that process with the Recast team. Based on that guidance and number, we decided to submit the Recast Request. However, we then received documents on XXXX in response to the Recast Request stating our new P & I amount of the monthly payment would be {$1300.00} - approximately 34 % higher than what we were promised/told just a couple of weeks prior and why we decided to move forward with the process. Now, I am being told XXXX incorrectly used the calculator to provide us that information- though XXXX mentioned her supervisor had to provide her with that number as her calculator wasn't working/launching - and that they can not honor the monthly payment we were promised on XX/XX/XXXX! This is a complete bait and switch, after lying to our faces to get our application in, and during a time which is already stressful with me being on XXXX to garner less stress. I wish they would have been honest rather than lying to us or giving us inaccurate information/numbers from the beginning so we can make an informed decision and not have expected a different income.
07/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76107	Web
My Husband and I refinanced our home in XX/XX/XXXX. At that time our yearly taxes were becoming due ( always paid by previous mortgage company XX/XX/XXXX to XX/XX/XXXX. ). Funds had been built in to our new loan to start a new escrow account, as well as the complete funds to pay the taxes that were now due. The mortgage company that had our new loan paid our XX/XX/XXXX taxes on XX/XX/XXXX in the amount of {$3600.00} to XXXX XXXX, Tax Assessor-Collector ( check written by XXXX XXXX ). Immediately after this payment had been made our new loan was sold to RoundPoint Mortgage Company. Our first payment was due on XX/XX/XXXX in the amount of {$960.00}. At this time my Husband and I went online every month to RoundPoint 's website and made our monthly payment in a timely manner. However, when I went to make the XX/XX/XXXX payment I was shocked to see that our payment had increased by {$310.00}. I immediately called the contact number on their website ( I was routed overseas for every phone call ). and tried to explain there was a problem. I was told there was an escrow shortage because my taxes had been paid in XX/XX/XXXX in the amount of {$3600.00}. I tried explaining on two separate phone calls there was a problem and I needed to talk with someone in the tax department. I was told my concerns were being sent to the correct department by email and that someone would reach out to me. I also was forced to make this large payment. I also went online to the website and sent two emails explaining the problem and asking for a phone call, back from someone in the states to handle this problem, since there was always static and extreme background noise when calling customer care which was always routed to an overseas call center.. I never received a call back from my initial phone calls to customer service and I only received one form letter response to the two emails I sent. Finally, I contacted our mortgage broker and he said he would put me in touch with a customer liaison ( I contacted him on XX/XX/XXXX, he responded by email on XX/XX/XXXX and was very concerned that my taxes had appeared to have been paid twice! On XX/XX/XXXX I again contacted my broker and said that I had still not received an email or phone call from a representative at RoundPoint Mortgage.On XX/XX/XXXX a woman named XXXX left a message for me at XXXX and left her number. I tried calling her and leaving messages for 5 days and never received another call back.. On XX/XX/XXXX I again contacted my mortgage broker and explained what happened. By this time I had collected all information from tax office verifying they had made a tax payment when my taxes were already paid. The tax office said they could issue a refund to mortgage company they just needed mortgage company to contact them. I finally spoke with XXXX from Roundpoint and she said they were just starting to look in to the matter, even though I had already told customer service twice the problem and sent customer service two emails. Finally they admitted they had mistakenly paid our taxes and they adjusted escrow account. The problem now is we have yet to be refunded our {$310.00} over-payment we made on our XX/XX/XXXX house payment.. We have been told they are waiting to see if we will have an escrow shortage this year! I told XXXX that we want over payment refunded immediately, and to this day ( XX/XX/XXXX ) we are still waiting on OUR MONEY. I have enclosed correspondence from our mortgage broker, mortgage company and local tax office.
12/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98296	Web
In summary, Roundpoint Mortgage failed to pay my property insurance from escrow leaving me without homeowner 's insurance and at risk to lose everything I own and failed to collect the appropriate amount to pay my property taxes leaving a deficit in escrow. This is a contractual failure on the part of Roundpoint. After these issues were called to their attention repeatedly over several months, Roundpoint subsequently failed to pay attention, failed on their fiduciary obligations, and cost me hours of my time chasing some sense of accountability on their part for MONTHS and created an emotional burden is also a cost to me without any acknowledgement or follow up. The first problem : Not performing an escrow analysis in a timely manner ; meant the account was not being serviced per the terms and conditions of my account and resulted in a shortfall of funds to pay the property tax. The second problem was that I was without insurance protection and could have lost EVERYTHING I OWN. I have been faithfully paying my homeowner 's insurance for DECADES without fail and Roundpoint 's negligence could have put my entire estate in jeopardy. My insurance company homeowner 's insurance renewal mailed out on XXXX XXXX, 2015 with a XXXX XXXX, 2015 due date. Payment was not received. A cancellation notice was mailed out XXXX XXXX, 2015. My insurance company called me on that day to notify me of the nonpayment. XXXX more subsequent calls were made by my insurance agent between XXXX XXXX and XXXX XXXX, 2015. The payment was received on XXXX XXXX, 2015. As a result of the insurance payment being late there were 2 days where I DID NOT HAVE INSURANCE coverage on my home! For THREE MONTHS, my account was ignored and no action or acknowledgement was taken even after XXXX WRITTEN NOTICES and XXXX PHONE CALLS. XXXX subsequent phone calls over TWO MORE MONTHS have resulted in continued delinquency and negligence in addressing a systemic problem with Roundpoint Mortgage. I called on XXXX/XXXX/15 and spoke with the call center supervisor " XXXX '' with the direct phone number of ( XXXX ) XXXX. Account notes showed an " escalation '' on XXXX but no follow up or contact with me. XXXX promised to address this issue but I never heard back from him. I called back again on XXXX/XXXX/15, over a month later and left a voice message for " XXXX ''. he apparently does n't work there anymore so I left a message with " XXXX 's supervisor : " XXXX XXXX '' by calling the insurance department directly at ( XXXX ) XXXX. " XXXX XXXX '' never returned my call. I called again on XXXX/XXXX/15. " XXXX '' said " XXXX XXXX XXXX was not at his desk so I left another voice mail. No return call. After FIVE MONTHS of no response, no follow up, and no action, I called again on XXXX/XXXX/15. " XXXX '' said " XXXX XXXX '' is no longer with the company. " XXXX '' - another supervisor transferred me to XXXX XXXX. I spent almost two hours on the phone with XXXX XXXX and was only able to get him to reiterate what I 've been saying all along. He drafted a Summary of complaint on XXXX/XXXX/15 for the " Correspondence Team '' and emailed it to me. This should have been escalated to management immediately and dealt with instead of continuing to get the run around. Routing the SAME complaint to some " team '' is just pure runaround. Proper company procedures should have been scrutinized. ESPECIALLY since it looks like this company has a TRACK RECORD of non-payment from escrow to insurance companies.
10/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 183XX	Web
I filed a chapter 7 bankruptcy without legal counsel in an attempt to save my home only to be scammed by a company called XXXX Bankruptcy Company. I found out I was scammed during my chapter13 conversion hearing when US Attorney XXXX XXXX XXXX from the U.S. Dept. of Justice admitted in open court that this company has been scamming XXXX citizens for over 10 years and the Dept. of Justice has been unable to stop the scam. So, unsuspecting people like me walk into the scam and lose our homes. Moving forward to the reason for my complaint, immediately upon filing the chapter 7 bankruptcy I notified my mortgage servicing company RoundPoint Mortgage, but my loan is owned by Fannie Mae that I filed for bankruptcy but they were not including in the bankruptcy and I filed it against my other creditors to save me home. Well, I feel the bank took that inside information and used it against me. During my bankruptcy conversion I hired XXXX XXXX from the Law Firm XXXX XXXX, XXXX. you will see many emails between us and others at his law firm regarding XXXX actions. As we were wrapping up the chapter 13 conversation and I was already making payments to the trustee, suddenly my attorney calls me ans asked if I paid my back property taxes, because the county withdrew their claim for the bank taxes which was already included in the plan. We were confused so both my attorneys office and myself began to look in to the matter you will see emails regarding our investigation. RoundPoints underhanded actions throw my bankruptcy into a tailspin that had to go back to the trustee and the court to be modified. XXXX made 3 attempts to pay the back taxes unbeknownst to myself or attorney. The first two payments were returned back to them by the tax office because they already had a claim with the court but, the 3 attempt was made by a different company and the tax office accepted the payment. Once XXXX was successful with interfering with my bankruptcy they immediately added a tax escrow account to my mortgage and increased my monthly mortgage payments from {$1600.00} to {$2800.00} per month. Due to XXXX unethical actions we had to go back to court to modify the bankruptcy because that gave the bank a claim which they had no clams prior to that. After the judge accepted that claim the bank then put in a new claim for an additional {$40000.00} for some hidden clause that no one can explain to me what it is. I was furious while all of this was taking place I kept complaing to my attorney isn t tjis illegal I thought no action can be taken by a creditor before a bankrupcy is discharged. RoundPoint then locked me out of my online access so I could not pay my mortgage online to which I am still locked out of I have to call in every month to pay my mortgage. The whole time XXXX month after month gives me their spill about I dont have to pay the mortgage this is not an attempt to collect a debt trying to deter me from paying my mortgage. So much so I told my dedicated advocate do you think Im stupid you guys keep telling me I dont have to pay the mortgage and as soon as the bankruptcy is discharged all that money becomes due and you know I would not be able to pay all the back money so they would take the house XXXX This company is so predatory it is disgusting No matter how many times I cried fowl no one cared what the bank was doing. I feel my bank is setting me up for foreclosure and I feel they did so many things that were illegal and no one stop them.
08/11/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	KY 40205	Web	Servicemember
This property has been under contract since XX/XX/2019. On XX/XX/2019 Roundpoint Mortgage confirmed that they have received all documents needed for the short sale review. On XX/XX/2019 we received a counter offer from the investor. The short sale was declined on XX/XX/2019, due to insufficient offer. The decision has been presented to the buyers right away and received a reply that they are going to submit a value dispute. I received the complete supporting documents for value dispute as of XXXX19. They said they are just being held up by the home inspection. I resubmitted the complete short sale package again and the complete supporting documents for value dispute as of XXXX19. Note : the initial offer is {$160000.00}. The buyers counter offer is {$200000.00} along with the supporting documents. Roundpoint Mortgage confirmed that the documents were deemed complete as of XX/XX/19 and it has been forward to the underwriter for short sale approval. The estimated timeframe for the decision provided was a maximum of 30 days. - Weve monitored the file almost everyday for update and to expedite the process as well. See Call notes below for additional information. XXXX19 - No decision yet on the short sale approval as of today. They have just gotten the title back on XX/XX/XXXX. They advised me that it's still under review, and to give them more time since they're reviewing for the Bankruptcy at the same time which has taken a bit longer, together with the uploading and imaging. They added, surely by next week they will have a decision. XX/XX/2019 Called Roundpoint Mortgage via XXXX and spoke to XXXX XXXX ( SPOC ). I asked her if they already have an update on the short sale approval since its been over 30 days already. I explained to her that we were told that the decision will be issued either XX/XX/XXXX or XXXX. She said the file still under review and they are doing their best that they can provide a decision as quickly as possible but at this point, they are still waiting on the investors decision. She also confirmed that on the XXXX of XXXX they sent out a letter to the borrowers address regarding an extension to their review. This file has been escalated already to the higher management to expedite the process. XXXX19 Called Roundpoint mortgage and spoke to XXXX . She advised me that the status is still 'pending ', she said that short sale can take up to more than 30 days. She confirmed that the documents are complete and was forwarded to the processor on XXXX of XXXX. The value was ordered on the XXXX. As of XXXX XXXX. 2019, notes from the liquidation supervisor said that once they received the value then they'll continue on the review. Will monitor the file. XXXX19 Called Roundpoint Mortgage via XXXX and spoke to XXXX XXXX . I asked her if they already have an update on the short sale approval letter since its been over 30 days already. She said the file still under review and they are doing their best to provide a decision as quickly as possible. At this point, they are waiting on the investors decision. While on the phone she sent an email communication to her manager to follow up on the escalated file. At this point, we are no decision yet and the file still under review and waiting for the investors decision. Can you please assist in making Roundpoint escalate this file? Thank you for your assistance with this matter.
08/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 46168	Web
In XXXX we discovered toxic mold in our home ( recently purchased ) and we could not afford the XXXX required to fix the problem. We were forced to abandon the home but continued to make the payments through XXXX as we explored our options. During XXXX and XXXX we proactively communicated with the mortgage company on multiple occasions regarding the problem hoping for help in brainstorming solutions that would be mutually beneficial. As we were n't yet behind in payments they did n't seem very interested in our situation. We informed them that they house was being listed for short sale. Then in XXXX we had to quit paying so that we could get an apartment. With our payments delinquent they began calling - daily. I answered the XXXX calls XXXX interrupting baby 's nap times, my day at work, etc ) each time forced to relive the whole traumatic situation and explaining everything to the collector who could n't seem to " find that information in the notes on the account. '' I reminded them that the house was for short sale and that we would not be making any payments while it was listed. I told them that we would be submitting a hardship claim soon but as we had no offers on the property yet and we were n't wanting a payment modification of any kind that the hardship package was at that exact moment kind of a moot point and a lower priority than changing our homeless status. I told them that we would call them if anything changed in the situation - we would call them proactively as we had done from the beginning. As their calls continued and became even more aggressive in frequency I began ignoring them - there was no point in submitting to their daily harassment and having the same EXACT conversation over and over again when they already knew everything there was to know and I had no new information to give. A month or two elapsed as we got our lives in order. Then last week, the same week I completed the hardship package and was going to email it, I got a call from my old neighbor ( who has been watching the house, mowing the lawn, etc ) saying there was a notice on the door regarding the bank changing the locks. So on the day I sent over the package I also called and spoke to a bank employee. I reiterated our situation to her as well, and asked her why the notice was on the door, etc. It seemed foolish to me for them to change the locks which would only prevent us from showing the house and getting an offer in order to get them their money. She notated that conversation and then sent a request to the loss mitigation employee who was assigned my case and would call me back in regards to the notice on the door and the hardship package I submitted. I asked her to stress that he should call me back immediately. That was Wednesday. I still have n't heard from him today - Saturday. On Friday however, my neighbors witnessed the bank coming with a truck and removing all of our property and changing the locks! I am less concerned about the locks changing as I assume that my realtor could work directly with the bank and get around that. However I am infuriated that they stole all my belongings! My question is, considering all the details above and especially the fact that I had submitted my hardship package, did they have the right to change the locks and take my belongings. What recourse, if any, do i have in order to get my belongings back? Thank you! XXXX XXXX
01/06/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76052	Web	Servicemember
In XX/XX/XXXX our mortgage company, Round Point Mortgage, sent us a letter stating they had miscalculated our escrow account for the past two years and we now owed them {$6000.00}. Their solution to this was to either pay in full the entire debt of {$6000.00}, or increase our mortgage payments starting XXXX from {$1100.00} per month to {$1900.00} for twelve months, and then drop it to {$1300.00} moving forward after the back balance was paid off. We could not afford to make the payments of {$1900.00} and we did not have {$6000.00} in cash to pay off the debt. In XX/XX/XXXX we called them to discuss options and they offered to refinance the mortgage, so we chose to start that process. The refinancing process took longer than expected. We started with one agent, then we were switched to another, who did not return our emails or phone calls for over a week until we called the first agent requesting an update. We believe the second agent who primarily worked on our loan was either overburdened, distracted, or inept. He would only ask us for one item at a time, rather than give us a list of things we needed to provide. He outsourced to a third party the task of acquiring the documentation he needed to verify my prior employment, and it took over two weeks to obtain the required information. The information he needed was only obtained after I called my previous employer directly, who told me after multiple attempts they were unable to get in touch with our agent because the number they were given to contact him was always busy. During all of this, the second agent indicated that we should not need to make our XXXX mortgage payment because he expected the process would be finished fairly soon. In the first week of XXXX the loan went to underwriting, and was declined. When the first agent called us to inform us the loan had been declined, he told us it was because we had two overdue payments in a 12-month period on our record. The XXXX payment was our second overdue payment in a 12-month period ( the other late payment was in XX/XX/XXXX and was not related to this situation ). We told him the XXXX payment was only late because Round Point had indicated that we did not need to make the payment, and had not at any time requested that we make the payment. He had no resolution for us and offered to help us refinance the mortgage again in XX/XX/XXXX after one of the late payments falls off our record. This was not acceptable because we could not afford the current mortgage payments of {$1900.00}, and did not feel it was fair that our credit was impacted by their poor business practices. Having to make such large payments was causing serious problems with our budget and causing other bills to become late, creating an undue hardship on us. We asked for copies of all of the recorded phone calls between us and both of the agents who were working with us. He said he would talk to his manager to pull the calls but has since stopped responding to us. Since that time we have made all subsequent payments and our mortgage payments are now up to date. We ended up borrowing the {$6000.00} from a family member to bring the escrow account current so that we could afford our future mortgage payments. Now we are concerned about the XXXX late payment damaging our credit scores and future ability to obtain an equity line of credit for debt consolidation purposes.
04/18/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78230	Web
This is in response to reply # XXXX of which was a response to # XXXX . Thank you for quick responses and timely information that help me understand and get to the bottom of this. Let me please ask these questions - 1 ) Has XXXX XXXX XXXX been contacted on this raised concern of mine regarding the reporting of this loan? 2 ) Where is XXXX XXXX as he was my constant point of contact and always knew what was going on and how to direct me through what RPM and XXXX 's legal team were trying to do to avoid the confusion of what I came to experience anyway? My response is this first off- Why did n't you just send me this signed agreement to begin with at the start of this inquiry? It could have saved some time. Secondly, Per page XXXX of the attached document ; I understand that it says I should call if I needed to get the extension or further help. I did. I did not call the number indicated but I did call XXXX XXXX and he was handling this. Why did nobody ever call me or check in with me to see what help or direction I needed to go? XXXX would be able to substantiate this and I have emails that prove the communications with him. Suddenly, he quit replying to my emails. Why and where is the communication to me that gives me choices and options beyond the XXXX XXXX expiration date? Please understand also that as previously mentioned, every time I called in to speak with someone at RPM, I got directed all over the place and nobody ever knew what was going on or why I was in the loss mitigation status that I was in. This is why XXXX XXXX was my point of contact. Is n't it easy to see why I never did and still ca n't trust anything RPM has ever told me or DID N'T TELL ME? Even when I was assigned to representatives as I recall, ie. XXXX XXXX , XXXX XXXX , etc., I never could get answers. I never got call backs. I left messages all the time. In fact, I had to call and hound RPM over the XXXX status for months. I just got this a month ago in XXXX XXXX . Also, It is important to note that I moved in XXXX XXXX and had to keep reminding RPM that my address changed as I kept getting mail that was sent to the old address of XXXX XXXX XXXX XXXX . Who knows what mail I never got? Hopefully, you all understand that my experience in all of this was that the right hand was not with the left hand and maybe, just maybe nobody ever thought enough to do the right thing and help me understand my options by reaching out to me and educating me. I think we can all understand that this was not an everyday situation and in your position, I do n't think it fair to expect the average consumer or home owner to understand without communication, what to do or what options are available. I still contest that in keeping with reporting me as delinquent is NOT CORRECT reporting due to the circumstances. I 'm sorry but this is not because I refused to pay or could not pay. It is because the builder built a bad home. I was not the only victim thus, the joint litigation with XXXX . You have to know that if I understood you were to start reporting me for delinquency, why did someone not get with me and suggest a short sale on the home WAY BEFORE I SUGGESTED IT? I would like answers to these questions please and of course I still truly feel that I am not being reported correctly on this loan.
03/12/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 080XX	Web
I am writing because I feel I am not getting a fair chance to save my home from foreclosure. The servicer of my loan as of XXXX 2016 was XXXX XXXX XXXX. They informed me on XXXX/XXXX/16 that there was no scheduled sale date for my property. I was ready to submit a complete application for mortgage assistance to them at that time, but I was advised to wait to do so due to the fact that the servicing of my loan was being transferred to Roundpoint Mortgage Services Corporation and that waiting would not cause any issues since there was not a sale date scheduled. I was told when contacting Roundpoint that they would not have the file until XXXX/XXXX/16. Unfortunately, somewhere between XXXX/XXXX/16 and XXXX/XXXX/16 a sale date was issued for XXXX/XXXX/16. I submitted a complete application for mortgage assistance to Roundpoint on XXXX/XXXX/16, but I was unable to put a loan number on the application since Roundpoint did not have that information at the time ( I had called prior to submitting the application trying to get the loan number ). It took until XXXX/XXXX/16 for Roundpoint to acknowledge that my application was complete, claiming that I did not put the loan number on my application (!!! ). On XXXX/XXXX/16, my file was denied. I called Roundpoint on XXXX/XXXX/16 to make sure the sale date was being postponed. I was not told by the representative about the denial ; I was simply told that a request to postpone the sale had been sent by the Single Point of Contact XXXX XXXX. I asked for a call back from XXXX XXXX. On XXXX/XXXX/16, I called Roundpoint again since I did not receive a call from XXXX XXXX. I was then informed of the denial, the removal of my file from that department, and that the sale of my property was proceeding. I insisted on a phone call from XXXX XXXX since the representative on the phone could n't give details of my situation ( only XXXX XXXX could ). It took 4 days ( XX/XX/2016 to XXXX/XXXX/16 ) from my original request to get a call back from XXXX XXXX when there was a sale date approaching that I was told was in the process of being postponed. Since XXXX and Roundpoint are merging according to what both servicers ' representatives told me, I feel XXXX 's assurances should be honored by XXXX. It was unfair business practice to issue a sale date after advising me to wait to submit an application for mortgage assistance until the servicing transfer was complete, especially considering that issuing a sale date after receiving a complete application is illegal ( dual tracking ). It is also " dirty pool '' to then not inform me of the situation on XXXX/XXXX/16 when I called Roundpoint since the decision had been made 3 days earlier ; had I not called again on XXXX/XXXX/16 I might not have found out at all that the sale of my home was proceeding in a few days. I am also not being given enough time to appeal the denial of my application since the sale is not being postponed. It is apparent that XXXX/Roundpoint is not playing fair and is trying to steal my home out from under me unfairly. I 'm hoping that this agency will police these people, right a wrong, and help me save my home which I can now afford with the help that so many others have been given. Considering Roundpoint has been given XXXX in TARP funds, they should be held accountable for unfair business practices and poor loan servicing.
11/03/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 27703	Web
I started the process to refinance my mortgage with my current lender, Roundpoint Mortgage, in XXXX. I completed the application process with XXXX XXXX XXXX. I explained that I didn't want cash out or to add any costs onto my mortgage. I told him my main concerns were a good interest rate and the escrow since taxes and insurance would be due soon. He told me that Roundpoint could roll my escrow over to the new loan and use that at closing for my taxes. He said that this was one of the benefits to refinancing with my current lender. When I received my initial paperwork it included things not discussed, such as points for by down, a different term, and a different loan amount.. I reached out to XXXX repeatedly and never heard back. Eventually I submitted a complaint through the XXXX. I received a call from XXXX XXXX ( loan officer ). XXXX apologized and updated the loan documents and resent them to me. I went through several loan processors, XXXX XXXX, XXXX XXXX and now XXXX XXXX. I was receiving no communication from anyone, so I continued reaching out throughout the months. My closing date was supposed to be XX/XX/20. I never heard anything from anyone at Roundpoint, so I reached out again. I was told that I wouldn't be closing. Last week I reached out to XXXX XXXX who told me that I could close on XX/XX/XXXX. I told her again that I had questions about the numbers that were e-mailed to me for closing. First XXXX told me that the title company would need to go over the paperwork with me. XXXX advisd that this wasn't the final paperwork and that she'd reach out before the end of the week to go over everything. I never heard back her last week, so I e-mailed her yesterday. A few minutes later I received a call from XXXX XXXX. XXXX said that he was calling to tell me that I would need to pay my taxes at closing. I told him that I was told by XXXX and XXXX that I would be able to use my current escrow to pay my taxes. He said that this was never an option. XXXX said from reviewing my loan documents he wasn't aware I was bringing money to closing. He said that they never got any bank statements from me to provide to underwriting. I e-mailed XXXX my statements. I explained that I was upset because i was told for months that everything was set with the taxes and insurance. I was given less than 48 hours notice to pay over this. He blamed it on the previous processors, Roundpoint policies, the title company, not closing in XXXX, and several other things. During the call with XXXX he mentioned 5 or 6 different amounts to close. He said that he just received my file this morning. I asked him if I pay the taxes when would I get my money back from escrow. XXXX advised me that I wouldn't get my money and that the policy is that it be used to lower my payoff. He said there was nothing that could be done and that I needed to let him know what I wanted to do. I asked to speak with his supervisor. He told me that her name was XXXX XXXX and that he'd have her to give me a call. I also asked for her phone number. I tried calling the phone number I was given and there was no answer or name on the voicemail. I haven't received a call back from XXXX. I've continued trying to work with Roundpoint and I keep getting told the issues are because employees are being moved to XXXX XXXX. I would appreciate any help you can provide. Thank you.
07/25/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91001	Web
I started by working with XXXX XXXX formerly known as XXXX in XX/XX/XXXX. During this time, I was in review and it was then transferred to Roundpoint on XX/XX/XXXX. During the time it was transferred it took Roundpoint over 2 months to acknowledge documents transferred from XXXX XXXX. Every time i would call they would inform me that they were still pending documents from XXXX XXXX to proceed with any loan modifications. Finally on XX/XX/XXXX I called Roundpoint and asked if I can send in my own updated documents instead of waiting on XXXX XXXX because i was just falling further and further delinquent. On XX/XX/XXXX I submitted a complete package and it was acknowledged by XXXX on XX/XX/XXXX. I was then assigned to XXXX XXXX and was provided with an email and phone number where i can call her directly for the status of a loan modification. I would call and email XXXX on several different occasions with no response. Different Representatives would advise me that they would escalate the file and get in contact with her Manager. This was more time i had to wait and I was only falling further behind. I finally received a reponse from XXXX to let me know on XX/XX/XXXX that my file was declined due to insufficient income. At the time of submission i was solely depending on my income and the rental income since the diagnosis of my Husbands illness however he was going back to work. I advised her that he would be going back to work and she encouraged that i file under a Change in Circumstance, i did that on XX/XX/XXXX and my file went back into review. Again on XX/XX/XXXX I was denied again for the same reason, however when i called into Roundpoint on XX/XX/XXXX we were informed that the income was miscalculated and in fact my Husbands ' income was not included. We then resubmitted with all updated forms showing my Husbands income once again. The file went back into review for several months, but then on XX/XX/XXXX i received yet again another denial letter. I called in again to confirm the reason for denial and they advised that this time it was because i had been offered a trial plan in XX/XX/XXXX that i did not accept. This was a surprise to me since throughout this process nothing had ever been offered to me. I asked them to provide a copy of this trial plan and no one was able to produce it. Instead Roundpoint advised that they would escalate the file since they did not see any trial plan ever being offered. On XX/XX/XXXX, they advised to resubmit and to provide a letter detailing the wrong denial reason. My file then went back into review. Roundpoint then decided to refer my loan to foreclosure during my review process on XX/XX/XXXX, when i called they advised it was not in foreclosure ( another false statement ). On XX/XX/XXXX they then denied my file and this time, they advised that it was because i was previously modified in XX/XX/XXXX and the Investor would not allow any modificiatons. So they allowed me to go 2 years and falling further and further delinquent to let me know this. I am just so disappointed and I am afraid I am going to lose my home. I tried to make payments with them, and they told me i couldnt unless it was the full amount and they would return my money. Now i am just stuck. They advised my only option is to reinstate with Attorney fees or liquidate. Please help me. Please!
01/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08060	Web
Here is a letter I have sent to the office of the president of Roundpoint as a response to again another issue with our mortgage. Hello XXXX, I would like to additionally illuminate how ungodly this entire transfer of servicing to your company has been. I have ZERO faith in your company having the ability to properly service our loan. You have demonstrated nothing to prove your capabilities to do so since the moment you have been given the opportunity. Blunder after blunder, insurance department, flood escrow DEPT and servicing NEVER properly communicating with each other via a system to make it a seamless transaction for us the consumer. The never ending letters from the escrow department telling us we were in default for flood coverage, then the lettters about escrow amounts being too high too low and changes to monthly payments ... all this still happening as of TODAY 8 months after you became our servicer. The COUNTLESS HOURS WE HAVE SPENT ON THE PHONE WAITING ON HOLD only to speak to the countless twits who know nothing or little or ca n't help us because they ca n't see what the other system has confirmed and the different departments dont speak to the other ... meanwhile us, the CUSTOMER IS LEFT WITH NO satisfaction week after week month after month because of poor actions by YOUR company .... wrong escrows calculated time and time again. Poor processs and procedures for your company ... .possibly poor management as well .... it took emails to the CFPB for us to get ANYONE to look into this for us at ROUNDPOINT with any seriousness! AND even though the OFFICE OF THE PRESIDENT is involved it is STILL NOT BEING HANDLED CORECTLY! As XXXX XXXX and myself received a letter Saturday from Roundpoint telling us our Flood insurance coverage policy for 2017 was inadequate and only having XXXX of coverage where as the requirement was XXXX ... well thanks for the newsflash! .... BUT YOUR PEOPLE were READING IT WRONG ... .. it was for full Amount of XXXX coverage as required by The guidelines. SO AGAIN ANOTHER BLUNDER BY ROUNDPOINT .... XXXX XXXX sent you the policy and so did the insurance agent ... .. Again today ... XXXX XXXX the time, energy and most of all ... XXXX having XXXX do YOUR companies job and make sure things are being handled properly, we should be paid for it. The apologies and wrongdoing over and over again which Roundpoint admitted to is frankly embarrassing. I truly believe we deserve to be compensated for this incredibly horrible torture we are still enduring. I want to be compensated. Figure it out, I know you can do it, it is only fair. I have been in the mortgage industry for 25 years and have seen it all, but this is so continuous and never ending even at this high level. We are doing your job from Day XXXX .... when the loan was transferred to you, YOUR company should have recieved the ENTIRE PKG from the old lender and and IF the Flood or other REQUIREMENTS WERE MISSING YOUR COMPANY SHOUKD HAVE REQUESTED THEM FROM THE PREVIOUS COMPANY AS THEY WOUKD HAVE NEVER CLOSED WITHOUT HAVING THEM IN THE FIRST PLACE ... .. Again This was the first of your mistakes that we are still enduring. Sincerely XXXX XXXX. ( I 'm in the system as an approved person to deal with on this, assuming that paperwork was processed and saved correctly )
12/06/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 080XX	Web
Quick Summary : My home mortgage loan is secured with Roundpoint Mortgage Company. I have been a consumer of theirs since XX/XX/XXXX. When I bought my property, I had the taxes reassessed and lowered. The property taxes for the remainder of XXXX were lowered and have remained so into XX/XX/XXXX. Step 1 : What is this complaint about? Escrow account with RoundPoint Mortgage Company ( specifically property taxes ) XX/XX/XXXX Step 2 : What type of problem are you having? I have on numerous occasions, both faxed and emailed the updated taxes to Round point Mortgage for them to apply to my escrow account. I have spoken to them on the phone, and they have told me that they can only do anything when the billing information from the township tax office is sent to their tax department at XXXX. I both faxed ( XXXX ) XXXX XXXX and emailed XXXX the new billing and assessed value, that was PRINTED DIRECTY FROM MY TOWNSHIP. And no one has applied the new assessed value to my escrow account. This was a problem during the current year XX/XX/XXXX. However, to make matters worse, they have gone in and INCREASED my XX/XX/XXXX property tax assessed value ( which makes no sense at all ) for each quarter. The increase is dramatic, and will result in an escrow shortage ( of which there is no merit for a shortage ) because the estimated taxes should have DECREASED for XX/XX/XXXX. The original tax billed in XX/XX/XXXX before the appeal was {XXXX} The property was reassessed from {XXXX} to {XXXX} The bill was decreased after the new tax appeal, and was adjusted to a total of {XXXX} for the year XX/XX/XXXX. The current XX/XX/XXXX bill per quarter is {XXXX} = approx. {XXXX} in property taxes for the year. The entire year of XX/XX/XXXX I paid the same amount to Round Point, they never readjusted their tax amounts. The same has happened for XX/XX/XXXX, however to make matters worse they 've ignored the updated taxes and have actually " anticipated '' an increase ( according their XX/XX/XXXX estimated taxes due ) in my escrow details. *ROUNDPOINT MORTAGE UPDATED XX/XX/XXXX ESTIMATES CITY/VILL TAX XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} = Estimated total : {XXXX} Step 3 : What happened? Nothing. Customer service has expressed to me that the escrow account is wrong, but can only update it when they receive the tax billing from my township. I have forwarded the billing DIRECTLY from the township tax office to the designated tax department at RoundPoint and they have done nothing. It offends me that I have been ignored since XX/XX/XXXX, and have done everything correct. However what really offends me is that someone in some department went in and actually changed the estimated property tax amount due in escrow for the XX/XX/XXXX year. Increased it dramatically when it should have been decreased dramatically. These people are scamming me by influencing the amount due per month by increasing my escrow, since they can not influence the interest rate. I also requested an ESCROW ANYLSIS 2 times and have never even been responded too. About the only thing this company gets right the bill comes on time every month. Scammers. Step 4 : What company is this complaintabout? Round Point Mortgage Company XXXX
02/15/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 780XX	Web
I recently received notice that my mortgage payment went from {$1400.00} to nearly {$2000.00}. The response I received from Rountpoint Mortgage was that my monthly payment was in suspense even though I paid on time. They identified they could not accept the payment unless it was paid in full. They proceeded to tell me the reason for this was that my taxes went up. I went to the county XXXX to review my taxes and it was identified they had no gone up. I received the documentation from XXXX XXXX and shared with the mortgage company. The said they would need to review but my payment would be late still if I did n't pay it by XX/XX/XXXX. They identified they would respond to me before XX/XX/XXXX on whether or not the issue was resolved. I received a call from Roundpoint Mortgage on XX/XX/XXXX from a rep who was attempting to collect my payment but when asked, she was n't from the department that was handling my issue and was there to inform me of my payment in suspense. I pressed her to look into my situation and she identified the tax assessment was review in the banks error on XXXX but, no one called me. I continued to discussed with the rep my current amount and she was saying I am still short {$82.00}. When inquiring why, she said it was due to the tax assessment analysts. After letting her know my taxes have n't changed she identified basically I was in the wrong and needed to make the payment. She told me I could pay the difference online and when I created the account online the website did n't allow partial payments. I proceeded to call the company back and we went through the whole situation again with another rep. She identified at that time I could submit a form to fix the analysts property tax information which was the first time I was being told this. She provided me the actual tax information that was inline with my county XXXX figures. Odd I was getting different numbers. I asked if they were the same tax numbers why the {$82.00} difference? She then looked into it and said we have 2 annual mortgage insurance payments on file. They did n't consider the fact to look at the updated information to see which one was right, they just calculated in both annual mortgage payments. After addressing this with the rep she put me on hold to fix and she said once they get it solved in the system they would update my mortgage insurance payment and it should n't be in suspense and my payments scheduled should be fixed. In the process of staying on hold the hold music went bonkers and starting piercing in my ears. I literally could n't stand it even with the sound all the way down and was forced to drop the call. These errors are 100 % the fault of the bank not updating information, misapplying debts to escrow accounts, and putting consumer credit at risk. Its taken my at least 10-15 hours of my personal work and non-work time to fix Roundpoint Mortgage related errors. They were threatening to keep my on-time mortgage payments in suspense and report to credit agencies by which I have a credit score of XXXX. This is n't how consumers should be protected or handled from banks that push their monetary errors, completely unchecked, upon their customers as if it is up to us to run their business for them. Unacceptable.
10/18/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	RI 02920	Web
Good afternoon, I recently received an Escrow Assessment Statement from my mortgager servicer, Roundpoint Mortgage. The statement states that my escrow account is short. It is short due to hazard insurance and city taxes going up, but the bulk of it is due to a Roundpoint debiting my account twice in XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ) for my city taxes both in the amount of XXXX. The payment on XX/XX/XXXX went to the wrong town, so Roundpoint sent another payment to the correct city on XX/XX/XXXX. They never received back the wrong payment and never requested the refund. They knew the mistake, because they sent out the payment on XX/XX/XXXX. In XX/XX/XXXX, I received the statement and saw the mistake in XX/XX/XXXX. I called XX/XX/XXXX at XXXX ( call was 11mins ) to discuss my concern of the escrow account shortage due to the error of XXXX. The customer service rep stated that he saw the 2payments that were made and that I should hear back from someone by XX/XX/XXXX at noon. I did not. I had to call back, which was on XX/XX/XXXX at XXXX and was told that the account was short, which I already knew. I requested a manager and was told that all managers were in a meeting since noon and I was on hold for 30mins until a manager was reached ( total wait time was 57mins. As of XX/XX/XXXX, the company still did not investigate a matter that they already knew was a problem back in XX/XX/XXXX. I called back on XX/XX/XXXX and was told that the payment went to the wrong town I needed to wait for the refund to hit my account. I have a heightened mortgage payment due to the shortage, so I told them the amount that I paid for this month, should be credited to my principal or refunded to me. Their resolution was for me to wait for the refund. For the heightened payment due to the escrow to pay previous amount before the adjustment. This really concerns me, wouldn't that cause me to be late if I am not paying the true billed amount. Then this will cause more calls and more loss of income due to having to take time to call them again and again. I do not want my credit to be effected due to this. So do I wait again for another 30days and to find out nothing was done again. What happens when the town does not refund them? Do I have to forgo the XXXX because of Roundpoint 's error? My concern and complaint is about the time and refund. Should a company be allowed to not ask for a refund without customer consent? When Roundpoint found out in XX/XX/XXXX they should have asked for the refund. Then in XX/XX/XXXX they should have investigated and asked for the refund. Also between the time of my call on XX/XX/XXXX and XX/XX/XXXX, that is well over 30days ... .are n't they out of compliance on servicing a concern/complaint? Also if it is Roundpoint 's mistake for sending out the payment to the wrong town, why should I wait for the refund to hit my account? This mistake was on Roundpoint and my account should be credited right away because it was not my error. As a corporation they have more expendable income than my family does ... again it was not my error. Also on XX/XX/XXXX, the customer rep could not tell me if they in fact requested the refund, just that they were working on it and I have to wait for their phone call.
03/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74012	Web
My mortgage loan was dated XX/XX/XXXX with a first payment due date of XX/XX/XXXX and past due after XX/XX/XXXX. The loan had been sold to XXXX XXXX XXXX after origination and was subsequently purchased by Roundpoint Mortgage in XX/XX/XXXX. I made 2 regular monthly payments in XX/XX/XXXX, the XX/XX/XXXX payment and the XX/XX/XXXX payment. Both checks cleared and were clearly endorsed by Roundpoint Mortgage. The 2 payments were sent to XXXX as directed. In early XX/XX/XXXX I received a statement from Roundpoint dated XX/XX/XXXX indicating that they had not received my XX/XX/XXXX payment. I emailed their customer service on XX/XX/XXXX regarding the error. I presumed they would get it corrected in a couple of weeks or so and went on with my life. On XX/XX/XXXX I emailed again stating that I had received no response to my original request for resolution. I don't know the exact date in XX/XX/XXXX but sometime between XX/XX/XXXX and XX/XX/XXXX I opened an online chat session with customer service and was assured that I would hear back soon. On XX/XX/XXXX I sent a certified letter to the company after I insultingly received a letter from Roundpoint asking me if I needed counseling since I was past due on my mortgage. Wrong! On XX/XX/XXXX, I once again contacted customer noservice by phone because I hadn't hear a word from the company and was told that the payment error had been corrected and I would receive a corrected 1098 from the company within 5 days and incorrect credit reporting would be corrected. On XX/XX/XXXX, I received a statement from the company dated XX/XX/XXXX, indicating that I had a past due loan payment. On XX/XX/XXXX, I received yet another insulting letter from these idiots asking me if I needed credit counseling. Also, on XX/XX/XXXX I received an overnight letter from an Assistant Vice President named XXXX XXXX stating that the error had been corrected effective XX/XX/XXXX. XXXX XXXX 's letter did not have a direct phone number or email to return any additional correspondence. From reading the incredible number of negative XXXX reviews on Roundpoint Mortgage, hiding is probably a common practice within this organization. I contacted customer noservice on XX/XX/XXXX and requested XXXX 's phone number but was refused. I am still getting correspondence from the company ( dated after his alleged correction date ) that indicates I am delinquent. I took over 60 days from my original contact to receive anything from Roundpoint over what would seem to be a fairly easy thing to fix. Also, I have not received a corrected 1098 nor do I have any assurance that they have indeed fixed their credit reporting errors. My loan history with this company still does not reflect the correct effective date for the XX/XX/XXXX payment. I need a letter from the company clearly, in plain English, admitting that they have consistently since XX/XX/XXXX incorrectly reflected my loan as being past due when in fact this was an error that was 100 % their fault. A payment was misapplied but it was their negligence that caused it to not be detected or corrected. My loan has not been past due a second since funding. Additionally, they have kept me from filing my own tax return because they can not issue correct documents.
04/10/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	TN 37040	Web	Servicemember
Dear RoundPoint Vice President XXXX, You stated in your previous letter that my deed in lieu of foreclosure was completed effective XX/XX/XXXX, and that the account " was due for all subsequent payments at that time ''. You go on to claim that you reported the correct information to the credit reporting agencies on XX/XX/XXXX, indicating the deed in lieu of foreclosure was effective XX/XX/XXXX. However, you further state that you did not update the changes to reflect the completed deed in lieu of foreclosure until XX/XX/XXXX. It is now XX/XX/XXXX and the changes do not reflect on my credit to indicate a " zero and/or settled '' balance. I want scanned documentation showing exactly what you reported to the credit reporting agencies, as well as the cited date of submission. XXXX is the owner of the property ; they are the lienholder of the one and only loan on the property in question : XXXX, TN XXXX. They hired several companies to handle the loss mitigation process. XXXX transferred the process over to you with all documentation. XXXX, acting on behalf of XXXX, filed a XXXX " Cancellation of Debt '' where they cancelled and forgave all debt associated with the property. I filed this document on my XXXX IRS XXXX. I have the letter signed and dated by you, XXXX, Vice President of RoundPoint, indicating that the Deed in Lieu of Foreclosure filed with XXXX was completed and finalized. First, I am not an attorney nor am I practicing law. However, I would direct your attention to XXXX ( XXXX ). The court, in their holding, said that the issuance of a XXXX reflects a creditors cancellation and forgiveness of debt. Thus, the creditor can not sue a debtor in an attempt to seek economic losses. Restated, XXXX filed my XXXX, at the behest of XXXX, prior to being submitted to RoundPoint, again, at XXXX 's direction. Moreover, your previous letter in response to my last complaint further reflects the outcome of the cancellation and forgiveness of the debt, along with my fourth signed Deed in Lieu of Foreclosure agreement with XXXX. XXXX, Deputy Property Clerk of XXXX, and I called RoundPoint and we spoke with XXXX on XX/XX/XXXX. XXXX stated that XXXX is handling the case ; sent documentation to XXXX ( manager ), who will follow up w/ the " closing department. '' The issue in XXXX is that RoundPoint never filed a document showing that XXXX actually owns the property. The last document they show was filed XX/XX/XXXX ; filed by XXXX. ; this document, for some unknown reason, conveys the property back into my name, which at this point is beyond impossible. XXXX contact number at her office is : ( XXXX ) -XXXX ; her work email is : XXXXXXXXXXXX The mailing address to her office is : XXXX , TN XXXX You have my permission- if you need it at this point- to contact XXXX in regard to this property and send her the required documentation showing that the property has been conveyed from my legal possession and rights to the rightful owners, XXXX , it 's successors, and assigns. You need to do this now. Regards. XXXX ( XXXX ) -XXXX PS. My mailing address for the last XXXX months has been the XXXX below. Why is my old address still getting mail from RoundPoint? You should have it filed. XXXX, TN XXXX
03/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33411	Web
On or about XX/XX/XXXX, I experienced water damage to my home and in contacting my mortgage company, XXXX XXXX XXXX XXXX I was advised that I qualified for Mortgage Forbearance for a period up to six ( 6 ) months. At that time, I was advised that in order to qualify for the Federal Disaster Forbearance the area and/or state for which I resided had to be declared a federal disaster area. As a result of Hurricane Irma, the Florida region was declared such by Governor XXXX XXXX for Hurricane Irma that hit the Florida region on or about XX/XX/XXXX. In requesting and obtaining the forbearance I was advised that any missed payments would be due at the end of the loan. At no time during the conversation with the Roundpoint representative was it stated that I had to modify my loan to a 40 year period and have the taxes and insurance included. In fact, I was advised that several options would be available and disclosed to me three ( 3 ) months prior to the expiration of the forbearance period. On or about XX/XX/XXXX, I spoke with XXXX, Supervisor in Loss Mitigation for Roundpoint, who went over several options available to me. One of those options being a refinance period of 40 years, which would then include my taxes and insurance. I advised that I WAS NOT interested in that option and that I had no problem paying the taxes, insurance or mortgage and that I would rather continue under my current terms with placing the missed payments to the rear of the loan. He advised that he understood, but that I should contact Roundpoint on or before XX/XX/XXXX to advise of my decision as there was still time for me to think about my decision. On or about XX/XX/XXXX I received a XXXX letter advising of the new terms, should I choose to accept same. The new terms were that of a " cap and extend '' On XX/XX/XXXX, I contacted Roundpoint and spoke with XXXX who after several time of placing me on hold to obtain the correct information regarding the loan and its type, finally advised that after emailing XXXX, the terms offered was in fact a " cap and extend '' and that he had been advised that any modification i choose would require an escrow account. I then requested to speak with XXXX as what i was being told was not what was previously disclosed to me in XX/XX/XXXX, or a reflection of my conversation with XXXX in XX/XX/XXXX. At that time, XXXX became annoyed and didn't respond to any further questions, but rather just remained quiet while i continued to say " hello ''. I am completely dissatisfied with the manner in which Roundpoint has handled this forbearance matter. In fact, I have experienced repeated issues of conflicting information as to the signing of insurance drafts for the repair of my home, and now the issue with the forbearance period and my options after same has ended. No one seems to have all the facts available to the consumer that is one can make a definitive decision. I would like someone from Roundpoint to contact with a definitive answer regarding my mortgage going forward as reflective in my original loan documentation. The person contacting me should be knowledge about forbearances and going back to my original payments as I AM NOT interested in changing the terms.
12/28/2016	Yes	Mortgage VA mortgage	Settlement process and costs	FL 329XX	Web	Older American
Greeting, I 'm appealing to CFPB, for legal and contractual assistance, because of a long standing issue with lender and affiliated mortgage servicing company. And, I also have acknowledge to Dept. of Veteran affair that Lender/ Servicing co. , has declared a " Notice of Default & Intent to Accelerate ''. On XX/XX/XXXX, I signed legal-size contractual document to re-finance mortgage at my Home address. What I could not understand, If the XX/XX/XXXX was disbursed date, and a Notary agent would conducts the signing and closing on the XX/XX/XXXX. Then why did Notary agent notarize legal-size document on date of signing. And, leave me a copy of signed documents on disbursement date of signing. There was XXXX set of legal-size of document of contractual agreement! How difficult it 's to take time to do both set to bind a contractual agreement! But, it did not happen that way, at my home address on the XX/XX/XXXX. I have to wait and receive this legal-size documentation at a later date. After, 6 month of requesting of signed Legal-size contractual mortgage documentation from XXXX. ( XXXX ), inform me, of a new mortgage servicing company would replace current XXXX mortgage servicing co. I did paid XXXX, XXXX, & XXXX mortgage payments, to XXXX mortgage servicing co. only for new servicer, Round point Mortgage servicing co. requesting XXXX mortgage payment. At this point, I became Irate and frustrated of what was happening and having to backtrack all payment made and, to assure my escrow account was accurate as well. I then filed a complaint to Florida Office of Attorney General, questioning the validity of my mortgage contractual. After withholding XXXX & XXXX payments, Roundpoint mortgage servicing co. finally mailed me Letter-Size copy of mortgage contract. Which seemed to alter the day of actual signing of Legal-size of un-emboss notarize mortgage contract. I did not signed contract on the XX/XX/XXXX. There was XXXX mortgage payment dues, and I was not at my residence on this date, I doing errand on this day. I believe RoundPoint MSC, Breach contract by altering the closing date of actual signing day of mortgage contract. It my hope that CFPB will help me, to challenge this mortgage of the above company are in compliance with State Statues 702.015, that govern " Original Note ''. I believe, with integrity & ethic, if I 'm to be held accountable to this mortgage, must they also be held accountable too! Not to mention the appearance of an alter date. If I indeed signed these documents on the XX/XX/XXXX, on legal size paper, will it change the date of Disbursement XX/XX/XXXX. When I was serve a ( LIS PEDEN ) foreclosure notice in XX/XX/XXXX, less than 3 month of residence on the property. Resulting, in a HUD investigation of XXXX. The seller of the property, And, managers of XXXX and XXXX getting federal jail time, for allegedly misappropriating of funds. I 'm now convince that XXXX and/or Roundpoint MSC, are not in compliance to Florida State Statue 702.015 " Original Note '' or " Promissory Note '' NOT copy of original documentation to this property. Which maybe, why XXXX employed mortgage servicing company to get around complying with any State Statue, that may apply to my mortgage
06/15/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 082XX	Web
Every year, Round Poin XXXX Mortgage Company attempts to put lender placed insurance on me due to the delay I have in receiving insurance policies from my condo association president. Every year, I submit proof and they remove it. They sent m e 2 d ifferent escrow analysis 1 for this year XXXX which I cleared up, then in XXXX they send me something to go into effect in XX/XX/XXXX to pay a shortage for lender placed flood insurance that lapsed from XX/XX/XXXX through mid XXXX when reinstated by the condo association. I had resolved this with RPM by sending them proof when I had it and received a letter back for the XXXX year removing the policy. Now, they are trying to collect from me. I had no idea there was a lapse. No other condo owners had issues with their companies for it to even be a conversation. I later found out that the condo assoc. president was ill, divorcing her husband, and fell behind with correspondence and payment as per the insurance company. She shortsaled her 2 units and we now have a new president as of XX/XX/XXXX . I have spoken to various people and managers at round point, they agree it is not my fault and were supposed to ask for a special consideration that I not have to pay the gap. There were no claims, there is a year policy in place for XXXX , and i dutifully paid my condo fees which covered the flood and external policy. I maintained my internal policy not included in my condo fees as required by RPM. This month, I wait to the very last moment to pay and the monthly payment is still showing the increased escrow. I made the payment to avoid default, but can not afford this. I can not sell the unit as it is upside down in value thanks to the 2 shortsales in complex. I can only rent it for {$800.00}, the mortgage is now {$760.00} and then I pay {$160.00} in condo fees ontop of that. I was kind of upside down before but now I am really upside down. RPM has only placated me over the phone but did not respond to my concerns. I really want my mortgage away from them. I have had nothing but problems and harrassment through the escrow and lender placed insurances which are cancelled every year because my condo association runs on a different calendar to RPM. I just ca n't deal with a bank that wo n't follow through on numerous calls, even a letter stating we could not give you the exception we spoke of would have been better than nothing and then forcing me to make a payment I am not comfortable making because I can not select my own amount to pay online and I waited as long as I could to give them the benefit of the doubt that they would resolve this issue. Can anyone intervene on my behalf? Can I modify the mortgage as I loss money each month? I want to flip the keys to round point and run. I have a mortgage with Wells Fargo presently for my home, I have had mortgages with XXXX , XXXX , XXXX XXXX XXXX XXXX , and 1 other small company over my lifetime and have not ever had the issues that I have with RPM. This condo specifically has been with XXXX , XXXX XXXX , XXXX and then RPM as I have owned it 12 year, only RPM has been a problem. Any help is appreciated. Thank you, XXXX
04/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76262	Web
The servicing on my loan was sold/trasnferred to Roundpoint in XX/XX/2021. My homeowners insurance policy was due on XX/XX/XXXXst. Luckily, I was in the process of refinancing and was waiting to see the payment clear so I was checking daily and the payment for my insurance never left the escrow or posted so I called and asked. At first, I was told it couldnt be paid because I was refinancing and a payoff had already been provided. I explained to multiple people that the explanation they were providing made 0 % sense given my escrow balance should have nothing to do with my payoff total and yet no one could give me any further explanation. Finally, about the fourth person I spoke with told me the reason the insurance wasnt paid was because they didnt have the information on file to make a payment. The woman spoke with my agency and was provided all the documentation needed. The following day, I received a call once again telling me that they couldnt make the payment because I was refinancing. At this point, I told them I told them just to make the payment and they did. As a side note, I spoke with the company I am refinancing with who agreed that escrow payment should have no bearing on my payoff estimate. On XX/XX/XXXX, a payment was supposedly sent out to the address the insurance agency provide. I watched for 15 days and the payment never posted to my insurance account. On about day 10, I called Roundpoint and was told that it had been sent and they provided me the address they sent it to, which was the correct address. So I continued to wait. On day 15, I called Roundpoint once again. On this occasion, I was informed that while the address they had previously told me is where it was supposed to go, the check had actually been coded incorrectly and sent to the wrong address. At this point, a stop payment was going to be issued. The stop payment was supposed to be issued on XX/XX/XXXX. I was told it could take a few days for the money to show back up in my escrow. As of XX/XX/XXXX, the money was still not back in escrow so I called. I am now being told the check cleared ; however, my insurance agency still doesnt have the check. No one apparently thought it would be a good idea to check on this given the issues with the account either. I believe someone at Roundpoint should be responsible for figuring out where my money is. On top of the above, I had called the week of XX/XX/XXXX to let Roundpoint know that we had signed all the documents on refinancing and the load would fund XX/XX/XXXX. I explained the payment for the payoff included the XXXX payment so we didnt want to make an XXXX payment but wanted to ensure I wouldnt be assessed a late charge or have any negative impact on my credit. I was assured we were all good expect the XXXX payment was taken from our account. As it stands, Roundpoint basically has $ XXXX of my money. While my escrow only shows $ XXXX due to the XXXX payment, it is missing my insurance payment that I had to ultimately pay myself. No one seems interested in actually helping me locate the rest of it or making sure I get my money back timely. I have never had an experience this bad with a mortgage company before.
04/30/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30318	Web
I have been working with Roundpoint to complete a loan mod due to an increase of over 300.00 due to an escrow analysis that took place less than a year after my loan was originated. Since I started with the loan mod process, I continue to be advise that once certain documents are received it will move to the approval process. However, there are always additional documents requested which were not advised when I previously spoke with the associate who advised what documents are needed. It takes then 4 days to review documents faxed in and then take them another 4 to 5 days to review the file just to inform you that more documents are needed. One one occasion, I actually emailed the documents to a represented, who stated that she did not receive the documents. I have attempted to do my part to decrease my escrow shortage by finding a lower insurance premium and filing homestead. I was advised by a representative XXXX not to request an additional escrow analysis at this point being that the loan mod will revaluate by escrow. In XX/XX/XXXX, I spoke with XXXX ( SPC ) and he advised that if I could continue to make 1 payment a month while in the Loan Mod process then my loan will not be placed in Foreclosure and I have continue to do that monthly even though it has been difficult. On XX/XX/XXXX, I called to schedule a monthly payment and the associate advised that they can not accept less than 2 payment as my loan is 3 month behind. I told her that I could not afford 2 payments. She stated that due to a new process that she could not accept more than 2 payments. I advised if this was a investor guideline and needed further information as I felt that Roundpoint was not trying to work with me an was trying to make my house away from me and my family. She agreed to take one payment. I called back today XX/XX/XXXX and spoke with my SPC XXXX to find out further details about this new process. He told me that the payment will probably not be accepted since I have the hold on my account and that the associate should not have taken the payment. He could not provide an details on it other then telling me that 1 payment really wasn't resolving anything and was just a circle that I was required to make two payments to decrease the default on the loan. I was totally devastated by his comment. I asked to speak with a manager to understand this " new policy ''. The manager refused to take my call as he was busy on another call. XXXX informed me that the manager advised since my loan was transferring to XXXX on XX/XX/XXXX, they may take my payment. A mortgage payment that will not make a payment and my loan is not in foreclosure? I have never heard of this type of procedure and no one can provide the details associated with it. Roundpoint has done nothing to help me but continues to make things difficult. Lastly, I had a loss draft claim in the beginning of XX/XX/XXXX. The work has been completed and I have called on two different occasions to have an inspection completed along with sending a letter to have someone call me and nothing has happened. In the interim, I continue to get threatening letters that I must have an inspection completed.
01/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63385	Web
The mortgage servicing company Roundpoint purchased insurance without my knowledge or consent on a property that was already fully covered. They did not notify me prior to this taking place as required by their company policy. I have tried every possible way to correct this with the company ( through their portal, by phone and by fax ) and yet the account is still incorrect and they have not refunded the money to my escrow account. Below is a timeline : XX/XX/XXXX - Roundpoint took {$1100.00} from the escrow account to purchase hazard insurance for the property. Note that the property is a condo and there is a Master Association policy and our condo policy (XX/XX/XXXX), both of which were current. XX/XX/XXXX - I received a letter from Roundpoint dated XX/XX/XXXX stating that it is the second and final notice that they did not have an updated policy and that they would be purchasing hazard insurance on the property ( I never received a first notice ). Note that my annual mortgage statement reflects that they had already purchased insurance on the property in XXXX. XX/XX/XXXX I uploaded the XXXX policy through the portal listed on the letter : www.roundpointmortgage.com/insurance XX/XX/XXXX I received another letter dated XX/XX/XXXX stating that they had purchased hazard insurance on the property. I called the phone number XXXX and the operator indicated that they were missing the Master Association policy ( which runs XX/XX/XXXX to XX/XX/XXXX, while the XXXX policy runs XX/XX/XXXX to XX/XX/XXXX ). I had to contact the association to obtain a copy of theXX/XX/XXXX XX/XX/XXXX policy which took several days. XX/XX/XXXX I had received the policy and again uploaded to the portal. I waited a week or so to see if it had been cleared up. Approximately one week later I received an escrow analysis statement dated XX/XX/XXXX that indicated there was an escrow shortage ( caused by the {$1100.00} that was stolen by Roundpoint from the escrow account ) and that I would have to pay the shortfall in full or my mortgage payment would go up {$210.00} per month. I uploaded the policy again and then called to check on it. XX/XX/XXXX I called and spoke with XXXX who advised that the portal where I had uploaded the policy numerous times was a few weeks behind and that I should fax the policy instead and check back 48 hours later. I faxed the policy XX/XX/XXXX and called back XXXX the XXXX and XXXX the XXXX. In both cases the account was still not corrected. XX/XX/XXXX I logged in and checked my account. They still show the lender placed insurance on the account and still have not refunded the {$1100.00}. I am at my wits end with this and I have done absolutely everything I can to get this straightened out. It is apparent to me that they are in bed with this company that was used to buy insurance for the property. It is obvious because when you log into the website, they try to sell you insurance. It is a complete conflict of interest and they are ripping me off. I have never had a late payment or lacked insurance. In addition we have a second house in the SAME NEIGHBORHOOD with the exact same insurance and that house has no issues.
01/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 223XX	Web
I've had my mortgage financed through RPM for 4 years ( it was sold after the first month ). For the first 3 years, I had absolutely no issues. Come XX/XX/2018, everything changed. One of my payments wasnt received for whatever reason. Ive had my payments set-up through my bank ( XXXX ) web bill pay option and only increased the amount once without any other changes. In XX/XX/2018, RPM claimed they never received my XXXX payment ( it is automated to send at the end of the prior month ) and when I told them where the check was sent, they told me that I was sending them to the wrong location. I probably wouldve been evicted a couple years ago if that was true. Through multiple calls to both RPM and XXXX to locate the missing check, it was eventually determined that the payment was missing. Therefore, I put a STOP PAYMENT on the missing check and issued another one. Everything seemed ok, neither company was going to charge me for a late payment or the STOP PAYMENT fee, because this was the first mishap. Then, the next day, I checked my XXXX account ( which uploads pictures of the cashed check ) to see a picture of the check that was claimed to be missing about 4 times ( dated XX/XX/XXXX ). Not only did the check have the prior months date, it had RPMs stamp saying it was received on XX/XX/XXXX. This is the issue that caused months and months of phone calls and rage. They kept saying I was delinquent because one of my payments had a STOP PAYMENT on it, but I had already issued the replacement check for that. RPM opened a case for the investigation and told me they would get back to me, which they didnt. I called NFCU at the end of XXXX and talked to a representative for 40 minutes to confirm that my cash flow was reflective of timely payments and no missed payments. They confirmed. I took a deep breath to prepare myself for the next call. I called and to my surprise they said my account was fine and I wasnt delinquent and all payments are accounted for. I was more than excited, but told myself I would keep a closer eye on this and make sure my payments were cashed. XXXX and XXXX were great or so I thought. They were receiving my checks, but my statements were still reflective of me being behind a month. I called in XXXX to get the online documents reflective of what I was told. Remember, my payments are sent out at the end of the prior month, so when I called RPM around XXXX, they claimed they hadnt received my XXXX payment until XX/XX/XXXX? Maybe XXXX the XXXX works in their mailroom and stashes my payments to make me delinquent? Again, they confirm with that payment, I am not delinquent. This time I ask for a corrected statement. I received a corrected XXXX XXXX. Come XX/XX/XXXX, I get a delinquent notice again. So, I called them again, turns out they have the payment. I was so focused on the amount owed, that I wasnt reading the rest of the statement. Turns out Ive also been charged {$120.00} in late fees, which says to me they purposely hold my payments to collect that late fee. I have not mentally prepared to call and get those funds credited back to me yet. I rather decided it was time for a formal complaint.
09/16/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	MI 49424	Web
Round point Mortage servicing corporation has been charging me a late fee each month when it pasts the XXXX of the month. My mortage is due on the XXXX, I actually called them and asked them to change the date they said they couldn't When XXXX came around the XXXX dropped to {$1000.00} a month from {$1000.00}. I have always sent them more then {$1000.00} a month since XX/XX/2019, Round point has been getting XXXX yet they dont show that they are applying the difference that is {$26.00} difference each month They do not show what or where as the extra money gone to. I have been giving them this amount to catch up on the late payment. yet it never gets applied WHY?????? The last statement show them charging me a late fee but never shows where the difference has been applied to or why its not on the statement it self. below is a copy of their statement from XXXX of 2019. One month they took off XXXX cents and another they took off XXXX cents. I want to know who is pocketing the additional {$26.00} each month since XXXX. Also I have reach the 78 percent mark on the PMI They were going to take it off in XXXX of 2019 then it was XXXX of 2019 and now they say its XX/XX/2019 I have been getting nothing but the run around with excuses of why they havent removed it. The law states that they must remove it when it reaches XXXX percent. Each month all I get is the next month.. I want the {$100.00} since XXXX to be reburised to me since they should of taken it off in XXXX. This mortage company is the worse! I want my rights protected if you cant do it then tell me who i can go too to get this taken care of. YOUR ACCOUNT INFORMATION YOUR PAST PAYMENT BREAKDOWN EXPLANATION OF AMOUNT DUE Loan Due Date : XX/XX/2019 Outstanding Principal : {$120000.00} Interest Rate : 4.750 % Prepayment Penalty : No Escrow Balance : - {$260.00} LAST MONTH YTD Principal : {$230.00} {$1800.00} Interest : {$500.00} {$4000.00} Escrow ( Taxes & Insurance ) : {$320.00} {$2600.00} Additional Monthly Amounts : {$0.00} {$0.00} Charges and Fees : {$25.00} {$130.00} Partial Payment ( Unapplied ) * : {$0.00} {$0.00} Total : {$1000.00} {$8700.00} Important Information About Partial Payments Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. Important Information about Temporary Loss Mitigation Payment Plans Please note : if you have agreed to a temporary loss mitigation payment plan, your payments are applied to the account according to the terms of the Note, not the terms of the temporary loss mitigation payment plan. Principal : {$230.00} Interest : {$500.00} Escrow ( Taxes and Insurance ) : {$320.00} Additional Monthly Amounts : {$0.00} Regular Monthly Payment : {$1000.00} Unpaid Late Charges : {$340.00} Charges and Fees : {$0.00} Past Due Payment ( s ) : {$1000.00} Suspense Balance : - {$0.00} Net Total Amount Due : {$2400.00} **See back YOUR TRANSACTION ACTIVITY BETWEEN XX/XX/2019 AND XX/XX/2019 Date Paid Description Principal Interest Escrow Additional Monthly Payment Charges and
02/09/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94580	Web
I bought my home a year ago and my mortgage was sold to Roundpoint Mortgage Company immediately on a 30-year fixed conventional loan. The previous owner of my home had lived there since XX/XX/XXXX, and knowing that the property taxes would be reassessed and adjusted upon the sale, I decided to wait on impounding my monthly mortgage payment with my taxes. I paid the first installment of my secured taxes and then contacted Roundpoint at the end of XXXX to request my account be impounded. Roundpoint notified me on XX/XX/XXXX through their online messaging system, and they disbursed payment to both installments of my supplemental taxes on XX/XX/XXXX. An escrow analysis was sent out on XX/XX/XXXX which included a break down of how much would need to go into the escrow account to pay taxes and a new monthly payment to cover the current escrow shortage. The numbers for the escrow shortage and new monthly payment seemed to match what my mortgage broker estimated it would be when I initially bought the home, so I was prepared to pay the shortage and was satisfied with my new monthly payment effective XX/XX/XXXX. Then, a new escrow analysis was sent out on XX/XX/XXXX with dramatically higher numbers than anticipated. This compelled me to do the calculations myself, and any way I sliced it, it did n't add up to paying a new monthly payment of {$2200.00} after paying a {$9400.00} escrow shortage! The tax statements I sent them only added up to {$8100.00}, so this was very alarming to me. This conflict led to a series of phone call conversations with customer service day-after-day, week-after-week until they sent me a third escrow analysis on XX/XX/XXXX that was right in between the reasonable analysis and the outrageous one, but still over by {$1700.00} for the estimated taxes. At this point, I decided to send in the form to request to close my escrow account and deal with paying my taxes myself. Roundpoint received my request on XX/XX/XXXX and sent me a notice in the mail indicating they will give me a response within 30 days. In the meantime, I 'm still required to make my XX/XX/XXXX and XX/XX/XXXX monthly payment of {$3000.00}, until it adjusts to {$2600.00} for XX/XX/ for fear that my account will become delinquent otherwise. Again, after a series of phone calls and conversations to customer service representatives, I learn that my escrow removal request has initially been denied due to an alleged delinquent tax bill that Roundpoint paid on my behalf. However, after contacting the XXXX County property tax office, a representative from the county office confirmed that the delinquent tax bill Roundpoint insisted they paid was actually paid by the estate of the previous owners and was not my bill to pay in the first place! I need Roundpoint to cancel my escrow account, calculate the money I just gave them over my original {$1200.00} payments towards the taxes that they did in fact pay on my behalf ( {$1900.00} ) in XXXX, and bring my monthly payments back down to my original amount before I requested to impound my taxes. I no longer trust Roundpoint with impounding my account accurately.
06/06/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77082	Web	Servicemember
The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX after closing, however, there is no record of that transfer in XXXX XXXX, Texas as is required by law in the State of Texas. " The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. '' XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure in XXXX of XXXX and the Deed of Trust and Promissory Note is no longer enforceable. Therefore, the continued threats of foreclosure constitute harassment and the damage to our credit reports is infinitesimal. " The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. The reported no payments were court ordered as the dual tracked foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began in XXXX of XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. I have challenged this through the credit bureaus three times now and RoundPoint Mortgage Servicer as a Debt Collector, refuses to close this and wipe the slate clean. United States XXXX, XXXX, Case No. XXXX, XXXX, XXXX XXXX, XXXX.
02/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27703	Web
We purchased our home in XX/XX/XXXX. We have not missed one payment and pay early each month. InXX/XX/XXXX, RoundPoint mortgage send us a refund check of about {$2500.00} from our escrow and told us our monthly would go down about {$120.00}. A few weeks later, after we used that $ for other obligations/debts we had, we received a tax bill of about {$4900.00} We promptly contacted Roundpoint to ask them why we were getting the bill and to ensure they would be paying it. They assured us they would and asked us to send them the bill, which we promptly did. The bill which was due in XXXX, still was not paid in XXXX. We called. They told us they would be paying in XXXX, and could do that without incurring penalties. At this time of the call, in XXXX, we also asked clarification and concerns regarding whether or not our monthly would be enough since the tax bill was 50 % more than what they had estimated all year, despite the house being appraised in the spring of XXXX. While our property went up in value, their estimation of the tax bill was still way off based on the sale price of the house. We never had issues with mortgage companies before and didnt think of doing more research and assumed they knew what they were doing. Comes XX/XX/XXXX. We are about to file our taxes and realizes RoundPoint still has not paid our property taxes. We promptly called and complained and ask them to do that. But we are now unable to claim property taxes payment on our XXXX Tax return, which leaves us short of {$1100.00} on our annual tax refund. Which is money lost.. They supposedly have paid the taxes this week, precisely on Tuesday XX/XX/XXXX according to them. But as of today, Thursday XXXX, while the amount is not longer in our escrow, the XXXX county tax website still shows us as unpaid and have not received payment, which means another penalty will be incurred today. Furthermore, we expressed our concerns again about the XXXX still showing an estimate tax bill of 50 % of what our XXXX ended up being ( information they now have had for a long time ). they said an analysis would be done in 2-3 months to which we said absolutely not we want this done now. We havent received the official results of the analysis yet. But from the phone call we received it now sounds we will owe an additional {$420.00} in monthly payment, which is a huge amount on a mortgage like ours We find it unacceptable that just a few months ago they refunded us {$2500.00} and decreased our monthly despite us expressing concerns and now want {$420.00} a month to allow a 2 month cushion and to ensure they will be enough for insurances and taxes. We also show only one month of premium pay to our PMI in XXXX - where is the rest? we need clarification on this. We didnt choose RoundPoint our mortgage got sold to them and obviously they do not know what they are doing. Reviews online are horrible! While we got some phone calls from them, we have also emailed them and sent messages through the message center and have received zero formal written communication from them. We have traces of all our communication and effort.
05/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33054	Web
XXXX/XXXX/XXXX -- -Emailed Roundpoint loan modification packages previously sent to XXXX as Roundpoint Mortgage representative said I could send them in instead of waiting on XXXX XXXX to send them as part of the loan servicing transfer. XXXX/XXXX/XXXX -- -I called Roundpoint and spoke with XXXX XXXX in the Loss Mitigation Dept. , he requested : 1. ) 2 months of bank statements both borrowers. 2. ) Non-borrower contribution letter +last 30 days of pay stubs for {$300.00} additional income. 3. ) New date on RMA 4. ) Last 30 days of pay stubs for both borrowers 5. ) XXXX Tax returns for both borrowers 6. ) XXXX form for both borrowers with update date. XXXX/XXXX/XXXX -- -I emailed Roundpoint Mortgage borrower 's : RMA w/ current date, Non-borrower contribution letter and XXXX form 's for both borrowers. XXXX/XXXX/XXXX -- -I emailed Roundpoint Mortgage : XXXX 's Tax Return ; XXXX XXXX XXXX paystubs, XXXX XXXX XXXX paystubs & XXXX XXXX paystubs. XXXX/XXXX/XXXX -- -I emailed single point of contact ( SPOC ) at Roundpoint Mortgage both borrower 's XXXX tax returns. XXXX/XXXX/XXXX -- Spoke with XXXX @ RoundPoint, he stated there are no documents missing, however, the borrower needed to complete a phone interview and schedule a property inspection. XXXX/XXXX/XXXX -- -Client complete phone interview and is waiting for Roundpoint Mortgage to get back to her on when they will schedule property inspection. XXXX/XXXX/XXXX -- -Spoke with Roundpoint representative to advise that realtor for the property inspection has canceled XXXX and lied about having scheduled the inspection for this Tuesday. XXXX/XXXX/XXXX -- -Spoke with XXXX XXXX @ Roundpoint Mortgage, he said the inspection was completed and received on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX -- -I called SPOC, he stated there is no update at this time, I advised there had not been a substantial status update in quite some time. He advised that he would have filed reviewed. XXXX/XXXX/XXXX -- Spoke with XXXX @ Roundpoint Mortgage, he advised the file is still with the under writer and that he would send a message to the SPOC XXXX XXXX, and ask for him to get back with me. XXXX/XXXX/XXXX -- -I called and spoke with SPOC, he said the file was initially sort of denied because Roundpoint Mortgage had n't received the property inspection valuation but then it came in so the file was " placed back in the cue. '' However, since there are other files that need attention this file has been pushed back a bit. The SPOC said he would escalate the file. He asked that i call back Thursday. XXXX/XXXX/XXXX -- -Spoke with Roundpoint representative XXXX who advised that the file is still being reviewed and that there is a new SPOC , XXXX XXXX - XXXX. XXXX/XXXX/XXXX -- -I left SPOC , XXXX XXXX , a voicemail to follow up. XXXX/XXXX/XXXX -- -I spoke with XXXX XXXX XXXX, she advised that no update was available. She said she would need to escalate the matter and that she brought it to the attention of her manager. She advised the new SPOC should contact me early next week to advise status as she needed to do some research to figure out what is the delay.
09/04/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 757XX	Web	Servicemember
RoundPoint Mortgage Servicer gauged the amount of payoff. But beside that ... I was told that after my payoff, I was to expect verifying paper work in the mail with in 30 day 's. Readmitted I would call for updates. I was told that the " XXXX '', " XXXX XXXX '', was signing off and RoundPoint would file the document at the Court house. Than, as soon as all was done, RoundPoint would forward a letter providing me with a letter. Over a 10 year spread of talking to always new people, I've learned that only a few know what is gaining on but the phone service reps across the bar, are left in the dark. My favorite question ... '' how long have your worked for the company,? '' I receive the usual standard answer " I been here 2 years! '' ( What a joke! ) Recently I was told that I owed a lot of money and what to expect? The representative who had a little chip on his shoulder was from XXXX XXXX not XXXX! I asked him when I made the last payment. He got silent and apologized when he realized the account was paid off. Pay off date was XXXX of XX/XX/XXXX. I still have nothing confirming that RoundPoint has removed the lean!!!! Last Friday, XX/XX/XXXX, and after a phone call to RoundPoint, I learn that RoundPoint forwarded a letter on the XXXX, of XXXX to an address that is not active anymore. Needless to say that I have, as of today, NOT received this letter. ( this company just doesn't stay one top of staying in touch with their customers ). Reminder : In the early 2000 's the US Government Ruled that US Post office addresses be replaced by 911 Addresses. In my neck of the woods this took place for about 2 years. So in the mid 2000 's my address changed but the contract address, a U.S. Rout address would not be replaced. This became the first problem when RoundPoint forwarded a Settlement offer in XX/XX/XXXX that I never received. Yes I never received it!!! So fast forward XX/XX/XXXX, and after RoundPoint was informed through CFPB, Federal Court by Attorney in fact, and uncountable change of addresses in their system, THEY DID IT AGAIN!!! I find this behavior unprofessional, incompetent and the heights form of procrastination. This is not a professional Company this is a company that rides a thin line between right and wrong! Never sever enough to be criminal, but since they dont have to obit by the same Laws as a Bank, they continue to cause even bigger hard ships to the already troubled home owner!!! Their behavior has cost me personally an instant amount of money!!! All because RoundPoint strives of Confusion and provide the Home owner with just enough information to get them of the phone! Companys like this get rich on the back of hart working home owners. Solution : I suggest like attorneys send one copy to the home address including the old and new and a second to the P.O. box address. Over all the years I have dealt with RoundPoint representatives ... once they get you of the phone they say anything to get you off the phone! as the good book teaches ... Luke 6:31 English Standard Version ( ESV ) 31 And as you wish that others would do to you, do so to them.
08/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MT 59102	Web
XXXX Montana got hit by a hailstorm in XXXX 2016, my insurance company ( the XXXX ) sent their adjuster out, on XXXX XXXX I received checks number XXXX in the amount of {$530.00} and number XXXX in the amount of XXXX, total XXXX at that time, XXXX XXXX 2016 the total owed to Roundpoint Mortgage was {$9200.00}. The checks were made to myself and Roundpoint Mortgage thus needing Roundpoint to endorse the checks so I could proceed with repairs to my home. Roundpoint stated they needed me to get contractors estimates and send them in with the checks for endorsement. In a phone conversation with Roundpoint I explained that this was the XXXX hailstorm in XXXX Montana in the last 4 years and that contractors or so busy that they are not writing estimates without charging for their time. Given the low balance owed that I felt that the XXXX adjustors itemized list should be sufficient. I based this on the fact the 2 years ago I received hail damage in excess of {$20000.00}, and owed almost {$30000.00} on the loan, Roundpoint at that time accepted the adjustors estimate, endorsed the checks and sent them back. The person said they check with a supervisor and agreed and said to send in the check and the adjustors list. These were mailed on XXXX/XXXX/2016. Roundpoint cashed both checks on XXXX XXXX 2016 ( confirmed by the XXXX Insurance on XXXX XXXX 2016 ) and sent a letter stating I would need the estimate/invoice for repairs to issue the funds to me. On XXXX XXXX I emailed Roundpoint " lossdraft '' ( confirmed on Monday XXXX XXXX 2016 at XXXX ) authorizing them to use the funds to pay off the mortgage, reconfirming the amount of {$9200.00} and send me the balance of {$5000.00}. I was told XXXX that the check would go out by the end of the week. On XXXX XXXX 2016 I contacted Roundpoint as no check had arrived, I spoke with a supervisor " XXXX # XXXX '' laid out the entire issue, she told me that the mortgage had not been paid off, that nothing had been done with my email. She researched the matter and found all the notes and communications, and acknowledged they had not followed through and she would make sure everything was done and a check would be issued. XXXX XXXX 2016, no check yet, contacted XXXX XXXX # XXXX again, she told me that they were not able to issue a check as they had to wait for the funds to clear, after a lengthy discussion the assured me a check for {$5000.00} would be mailed no later that Friday XXXX XXXX. XXXX XXXX, still no check, called XXXX, now they say the mortgage was paid off on XXXX XXXX, but no check can be issued until after XXXX XXXX as they are " waiting for funds to clear ''? Really? At this time Round point has noit followed through with anything they said they would do in a timely fashion and have been sitting on my funds for 6 weeks holding up my being able to proceed with repairs to my home. I am requesting your assistance in collection my funds plus any penalty and interest ( as Roundpoint would charge me if I made a mistake and had n't made a payment or was late ) that I should be entitled to as Roundpoint has not acted in good faith.
10/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 152XX	Web
I have a conventional mortgage with impounded taxes and insurance that is being serviced by RoundPoint Mortgage, INC. I pay my mortgage in in full and on time every month, often with additional principal applied. I'm in the process of trying to refinance this mortgage, and through the process my new lender had a tax certificate search done which show delinquent taxes due for XX/XX/XXXXand XX/XX/XXXX that I was unaware of. I received the tax certification document on XX/XX/XXXX and I immediately called RoundPoint through their customer support line at XXXX. The customer service rep recorded all the information I had on the issue, assured me repeatedly that RoundPoint would cover any delinquent taxes and fees, and gave me an email address to send the documentation to. After we got off the phone I immediately sent the documents through to the email address XXXX. I received an automated response back, signed by XXXX XXXX stating that my documents had been received. I waited several days to hear back from Round Point. When I did not hear anything back, I called in again to the customer service line and spoke with a rep about the issue. I was told that an escrow tax specialist, XXXX XXXX, had been assigned to work on the issue and that he was due to have it completed XX/XX/XXXX. I requested to speak to XXXX or to be given a way of communicating with him, and was told that it was impossible for me to reach him. I called the customers service line again on XX/XX/XXXX and was informed that the due date for my " task '' had been extended to XX/XX/XXXX and was told by the rep I spoke to, and her manager, that there was nothing more they or I could do. I called again on XX/XX/XXXX and spoke to a customer service rep named XXXX. I was told again that the due date for my " task '' had been extended. XXXX told me there was a note on my file indicating that a certified copy of the tax bill was required, and had been ordered from XXXX XXXX XXXX, the delinquent tax collector for our property. XXXX assured me that RoundPoint would cover all delinquent taxes and fees and that someone would be in touch soon with the resolution. I called again XX/XX/XXXX and was again informed that my task due date had been extended. I asked the customer service rep to read me the notes on my file, and the last note on there was still the one about requesting the certified copy of the tax bill. I informed the rep that it was now well over a month that I'd been waiting on the resolution to this delinquent tax issue, and that it appeared that no one was working on resolving it. I demanded resolution of the issue and communicated that I would be filing complaints against Round Point for their failure to handle this issue and for their unfair treatment of me as a customer. In over a month of seeking resolution for this issue, I've have received ONE phone call from Round Point, and that was only because I demanded the customer service rep call me back on XX/XX/XXXX before close of business to update me on the issue. Beyond that, there have been no attempts to contact me from Round Point at all.
11/08/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web
Roundpoint Mortgage bought my mortgage servicing from XXXX XXXX XXXX effective XX/XX/2022. At that time, I set up automatic payments to pay my mortgage on time on the XXXX of every month. This went smoothly for XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a goodbye letter from Roundpoint mortgage ( Dated XX/XX/XXXX ) stating that they had transferred servicing to XXXX XXXX XXXX. I also received a welcome letter from XXXX XXXX XXXX with an account number indicating they had taken over servicing my mortgage effective XX/XX/2022. I received a separate letter from Roundpoint Mortgage indicating they had cancelled my automatic payments on my behalf, something I never asked them to do. From XX/XX/XXXX until XX/XX/XXXX I attempted to establish an online account with XXXX XXXX XXXX to begin making mortgage payments, as my mortgage payment was due on XX/XX/XXXX. I called XXXX XXXX XXXX and was assured that " my account wasn't fully set up yet '' and " I could try again soon. '' Today ( XX/XX/XXXX ) I received another letter from Roundpoint Mortgage indicating that the transfer of my mortgage servicing was cancelled. They offered a phone number to call that has absolutely no option for an existing customer to talk to a human. Roundpoint Mortgage sent my PII to XXXX XXXX XXXX, including information about my mortgage, my social security number, my name, and my address without my consent. In addition, they cancelled my established automatic payments without my consent. The end result of these actions is that I had to make a one-time payment to Roundpoint Mortgage today to keep my mortgage current without any clarification on who my mortgage servicer actually is ( There are two banks now telling me they're my mortgage servicer ). I believe Roundpoint Mortgage acted in bad faith, targeting my demographic as a person who would be unlikely to collect and/or read my postal mail to the end of terminating my automatic payments in an attempt to drive my mortgage into default. I have an established online account with Roundpoint Mortgage. If I so much as change my email address or password in the online account, I receive an email from their system. I received no email communication indicating my automatic payments had been cancelled despite being opted in to all alerts. Nor did I receive an email notification about the transfer, or subsequent cancellation of the transfer. In addition, I believe both Roundpoint Mortgage and XXXX XXXX XXXX violated financial services laws by sending me goodbye and welcome letters indicating my mortgage had been transferred when that was not the case. I have concerns that XXXX XXXX XXXX established an account in my name without my permission and was given my personal and financial information without my consent. I also have concerns that I have only heard from Roundpoint that the transfer was cancelled and I have received no communication from XXXX XXXX XXXX to that effect. The last letter I have from XXXX XXXX XXXX says they hold my mortgage servicing effective XX/XX/XXXX.
12/21/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 75181	Web
In XXXX XXXX, my family experienced a hardship ; due to loss of income and illness. In XXXX XXXX, we applied for home retention services with Round Point Mortgage Servicing. After working odd and ends temp jobs, my husband found stable employment in XXXX XXXX. After sending in multiple duplicate documents, our modification package was deemed complete in XXXX XXXX. We were approved for a trial modification in XXXX XXXX, which required us to pay {$1200.00} for three months and upon completion we would receive a permanent modification in 30 days. We called once a week for 4 1/2 months, waiting to receive permanent modification documents ; the servicing was horrific! After writing an unanswered QWR and escalating calls to Supervisors ; we finally received permanent modification docs in XXXX XXXX. The payment was higher than our original mortgage note and brought us little to no relief. Besides the fact that out delinquency is now sitting in a second lien position with XXXX and we now on title, owe more on our mortgage than we did when we closed on our home back in XXXX XXXX. In XXXX XXXX, we received a letter informing us that our servicer would be changed to XXXX XXXX XXXX. We were happy with our new servicer and the amazing customer service we received. The downside was, that credit reporting would lapse for two months and we would n't have the opportunity to have positive mortgage credit rreporting for 60 more days. In XXXX XXXX, we received another letter advising that our mortgage was being transferred back to Round Point Mortgage effective XXXX XXXX, XXXX. This was devastating! Not only because our mortgage would be back in the hands on this incompetent servicer, but we would have yet another two month delay in positive mortgage credit reporting. We reached out to the Investor of our mortgage XXXX XXXX Mortgage, and the horrible treatment continued. We were told that our QWR was never a QWR, that any and all credit reporting issues were all our fault for becoming delinquent and that explanation for having our mortgage tossed back and forward between XXXX servicers was not necessary. Lastly, we were advised that our attorney had failed to reach out to them ( What attorney? We have no legal representation, neither have we ever claimed such. ) We take full responsibility for becoming delinquent on our mortgage. However, once monthly income was re-established we complied with everything our servicer and investor said. We have been paying our monthly mortgage since XXXX XXXX ( including the XXXX trial payments ). Due to careless, unfair, unprofessional, predatory servicing/lending ; our mortgage is still not affordable, we owe $ XXXX on our home, when our home sold for only XXXX, our credit reports only reflects XXXX out of the 14 months of consistant monthly payments we 've struggled to make and the Investor of our mortgage will not hold themselves or their servicer accountable for the poor and incompetent handling of our mortgage. Please help us! Sincerely, XXXX and XXXX XXXX
09/01/2021	No	Mortgage FHA mortgage	Closing on a mortgage	NJ 077XX	Web
I applied for a loan w XXXX XXXX / Roundpoint Mortgage after being declined for a mortgage by XXXX XXXX that shouldn't have been pre approved, mid sale, trying to make the sale work. XXXX preapproved me at the end of XXXX. In mid XXXX, XXXX communicated with me that my FHA loan was not being approved in underwriting due to my father ( co signer ) income on his rental properties. After he and underwriting could not come to a decision between themselves, my mortgage was escalated to the FHA. On XXXX XXXX XXXX advised me both on the phone and in writing via email that the FHA would not insure my mortgage and my loan was denied. He told me he would email me the denial paperwork on XXXX XXXX. Despite XXXX saying he would send the denial on XXXX XXXX, instead of sending the denial document, he sent me an email requesting that my father sign a mortgage application form even though we had signed it online together the week before and the mortgage was denied. When I emailed that I was not comfortable getting an application form signed after being told I was denied, XXXX responded via written email, threatening that if I did not provide the signed form, my application would be marked as withdrawn and I would not be given denial documents. Despite my instinct that it shouldn't be done, I got the form signed and returned it for fear XXXX would say I withdrew my application which would be breach of contract and make me liable to seller costs and financial loss. XXXX continued to repeatedly tell me that he would get me the denial doc at a later time, despite me following up on his provided tike frame. I also have an email from his supervisor on Thurs XXXX XXXX approx XXXX confirming my denial and that a denial document would be provided. Fri XXXX XXXX approx XXXX, XXXX emailed out of the blue that my mortgage was magically approved and issued a written commitment, despite there being no appraisal completed on the property. This has legally boxed me into the sale on a mortgage that could still fall through if the house does not appraise correctly, despite appraisals being done prior to a commitment. Additionally, neither XXXX or Roundpoint will clearly answer why there was a sudden reversal without communication or what factor caused the reversal at all, which seems extremely sketchy. And I have to follow through with this sketchy seeming mortgage or possibly get sued by the seller for breach of contract. I contacted Roundpoint 's customer service XXXX email multiple time requesting if they could advise if issuing a written commitment w/o appraisal was their standard operating procedure, and if not, why an exception to procedure was deviated on my loan. I have received absolutely no response. This is sketchy, predatory, and has no ramifications for the loan company, but I could and have suffered financial loss in this process due to mortgage brokers not following rules, and I stand to live in a stressful state of not getting a mortgage despite having a " commitment. ''
03/27/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	NM 87106	Web
In early XXXX of XXXX I inquired about loan assumption. A Roundpoint representative ( representative ) assured me that I would be able to assume the loan. During these initial phone calls, it sometimes seemed as if the representative did not understand me and it was difficult for me to understand the representative. What was clear however, was that the representative was sure that I could apply for assumption. So, I proceeded with what I understood to be the process for assumption. On XX/XX/XXXX, I requested by email ( attached ) that the paperwork for the loan assumption be sent to me, as directed by a Roundpoint representative. In XXXX, I followed up with Roundpoint by phone to confirm that they had received my email requesting loan assumption paperwork ( packet ). A representative confirmed receipt of that email and stated that the packet would be delivered shortly. On XX/XX/XXXX, I sent a letter via email ( attached ), requested by Roundpoint, with details of names of the current owners and assumptors. I received an email confirmation of receipt of that letter on XX/XX/XXXX. In mid XXXX, the co-owner of the property called Roundpoint to follow up on receipt of the required letter. The co-owner was told by a Roundpoint representative that a customer advocate was reviewing the assumption. On XX/XX/XXXX, I sent an email to Roundpoint asking for guidance on next steps for continuing the assumption process. On XX/XX/XXXX, a representative from Roundpoint contacted me via email with an attached assumption packet. On XX/XX/XXXX, a representative from Roundpoint contacted me via email to tell me that I can not assume the loan ( attached ). In XX/XX/XXXXand XX/XX/XXXX I inquired via email to a Roundpoint representative about restrictions to assuming FHA loans and whether my brother alone could assume the loan. A Roundpoint representative then sent me HUD XXXX Chapter XXXX as proof that I can not assume the loan and an email suggesting that my brother could apply but could not assume the loan unless currently living in the home and if he is a different brother than the one who was interested in assuming the loan in the first place. I still dont understand whether this loan is assumable or not, and if so, by whom. Furthermore, I do not understand why I, my brother, or both of us can not assume the loan. This poor service on the part of Roundpoint Mortgage has led me to lose lots of time preparing for assuming a loan that they seem to not want be assumed, it has contributed to : my ex-partner accusing me of lying about the assumability of the loan, a missed half mortgage payment, threats of filing a partition of property, stress, poor performance in school, and me spending a great deal of energy investigating options for a conventional refinance with another lender that will cost thousands more than an assumption at a higher interest rate, and perhaps a lower market value if assumability was indeed an option for this and future transfers of ownership.
02/11/2020	Yes	Mortgage VA mortgage	Trouble during payment process	AZ 85364	Web	Servicemember
To whom it may concern, I have been wrongfully charged with force placed insurance by Roundpoint Mortgage Servicing Corporation on loan # XXXX. I was XXXX overseas from XX/XX/XXXX until XX/XX/XXXX see attachment # 1, while this occurred. My insurance policy changed from an owner occupied policy # XXXX ( Attachment # 2 ), to a tenant occupied policy # XXXX ( Attachment # 3 ). You will see with the cancelation notice of policy # XXXX states the reason for cancellation as Coverage Replaced. The owner occupied policy was replaced by a tenant occupied policy dated for XXXX. A refund for policy # XXXX ( Attachment # 2 ) of approximately {$1200.00} from XXXX was sent back to Roundpoint and deposited XX/XX/XXXX. The tenant occupied policy # XXXX ( Attachment # 3 ) was sent to Roundpoint for payment on XX/XX/XXXX. It was incorrectly filed by Roundpoint Customer service department instead of being filed with Roundpoint Insurance department. The tenant policy was not paid for two reasons ; incorrectly filed by Roundpoint and the escrow balance not being sufficient due to the refund not being cashed until XX/XX/XXXX. At no point did I make any mistake or have lapse in coverage caused by me. Roundpoint claimed that certified letters were sent to my home, however my wife never signed for a certified letter nor could Rointpoint provide any tracking number or signature verifications for those letters when I asked for them. I asked why they didnt attempt to call my wife or email the account on file Roundpoint claimed it is illegal for them to do so, yet suggested that my wife should have been opening mail addressed to me. I reminded them that it is a federal offense to open mail not addressed to you. I have called Roundpoint on multiple occasions and had this issue researched by them and they have all the documentation to show this is what happened yet they have refused to reimburse me the difference in the premiums due to their incompetence. The policy through XXXX was {$1300.00} and the forced placed policy was {$3400.00}. That is a {$2100.00} mistake that I have paid for because I was XXXX and Roundpoint made a mistake. The escrow account was closed out and I receive a refund of {$420.00}, all I would like is the remaining {$1700.00} which is the amount that I was overcharged with the force placed insurance. The last person I talked to was XXXX XXXX a Roundpoint Supervisor phone number XXXX XXXX XXXX XXXX. She sent this to her research department and although they see the mistake they will not reimburse me. Below is a list of dates and times I have called for help. XX/XX/XXXX at XXXX Spoke with XXXX XXXX # XXXX XX/XX/XXXX at XXXX Spoke with XXXX told to reference XXXX- I assume those are her initials XX/XX/XXXX at XXXX Spoke with XXXX Requested a supervisor call me back XX/XX/XXXX at XXXX Spoke to XXXX XXXX she told me Roundpoint will not reimburse me for their mistake. She also said she deals with this same issue consistently and she wants a new job.
01/08/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20774	Web
On XX/XX/XXXX I called customer service to make my XXXX payment with a live agent. At the end of the call the agent asked which account did I want to use between XXXX XXXX XXXX XXXX which is in my spouse name or XXXX XXXX XXXX ( XXXX ) which is in my name. I told the agent to process against the only XXXX account that I was aware of just as I did for the previous five ( 5 ) payments without any issues. Later that week I noticed that the payment had not been deducted from my account so I took the liberty to contact Roundpoint on a recorded call in which I was informed everything was fine on their end and the problem had to be with my bank. I went on to call a few more times to Roundpoint and got the same response. Finally, on XX/XX/XXXX Roundpoint stated through an initiated call to them my payment was returned because the agent who processed my payment on XX/XX/XXXX applied it to an erroneous account # XXXX. On this call I asked why and how did this happen. Roundpoint basically stated there were two ( 2 ) XXXX accounts on file but never alerted to me that all of a sudden this month they would be applying to an account with all XXXX rather than the one that had been used for the last 5 payments. XXXX will take no ownership of not even at least repeating the last 4 digits of both XXXX accounts on file. Specifically, I was never asked if I wanted to use the last 4 ending in XXXX or XXXX. I would have never told the agent to use a XXXX account that to this day I dont even know how it was associated with my mortgage and was not given a definitive explanation. Just as importantly, I need to include some ethical factors to be considered and ultimately investigated by the proper authorities. Specifically, simultaneously as I was making my XXXX payment I too was in the final phases of refinancing and the loan was weeks away from being paid off. The timing of Roundpoint applying my payment to an erroneous account that had never been used in the history of this loan creates an appearance Roundpoint was maliciously sabotaging our new loan. I and many other businesses I shared my story to in this industry find it very suspicious and convenient at how a live agent could apply a payment to an account with all XXXX.In conclusion, I along with many friends, family members, colleagues and any other interested parties will work tirelessly to get this story to all appropriate Federal government agencies including the FBI to determine if there was tampering and fraudulent actions taken by Roundpoint to report negatively on my credit report which would prevent my family and I to proceed with refinancing. In addition to reaching out to Roundpoint who takes no ownership of their wrongdoing I plead with CFPB to also investigate and turn this matter over to the appropriate authorities within your reach. I also believe it would be very beneficial for my story to reach all audiences to determine if this issue has happened to other consumers in the lending industry.
04/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33073	Web
RoundPoint Mortgage ( RPM ) : Loan nr. XXXX - PMI removal Dear Sir : I got That mortgage about 3 years ago, the purchase price of my house at : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX was back then {$450000.00} Since the market lows back then, Florida Real Estate market has been on fire, adding average of 5 % annually in property values. Due to that my intention was to contact you and request the removal of PMI since my LTV went down to 78 % : Balance {$350000.00} : purchase price {$450000.00} & gt ; 78 % I was advised that RoundPoint Mortgage was not able to use a purchase price and new appraisal was needed. Cost {$400.00}. Since the cost of that would be recouped in only 2 months of PMI payment, I decided to go forward. I was sure my house would appraise easily at $ XXXX or more since listings for identical homes on my street show {$590000.00} range. You can imagine my disbelieve when I received from RPM an attached letter stating that my request to remove PMI was denied. Reason : LTV shows 86.56 % WHAT?! It did not make any sense. I called and after long hold I was advised that appraisal came in with the value of {$410000.00} ... .which Is $ XXXX less comparing to what I paid for this house 3 years ago ... Insane. Market was going thru the roof over the last 3 years! I looked up this particular Appraiser XXXX on the internet, and all the reviews where so negative, I have no idea how RPM can use such incompetent company. Example : " Avoid this appraisal company, if possible. I read a bad review about them before they did my appraisal. I gave them the benefit of the doubt, but they did the same thing to me. {$30000.00} below the actual value of my home. Immediately request another appraisal company before it 's too late. '' I had a funny feeling when the gentleman showed up in the car displaying " BUYING HOMES FOR CASH '' So this was his main business, he runs appraisals to show low prices and then buy homes for cash ... nice. They apparently combine for averages foreclosed homes values, use old data to come up with the lowest possible price totally disconnected from reality. Their business is to buy homes for CASH! Here are few insane points of that appraisal : House that sold for $ XXXX had a pool, still smaller by XXXX sq. feet than our house, pool is worth maybe $ XXXX. $ XXXX higher than mine? This is just to show you their incompetence. I have no intention to pay {$400.00} for such bunch of baloney. I decided to give RPM the chance to correct that problem and remove my PMI and/or arrange another appraiser that is competent and fair. I called and emailed them, nobody every cared to call me back. Instead, I got today another letter showing they decided to transfer my mortgage to another servicer ( to put an and to my PMI removal affair I am sure ) I hope we can come to some resolution as I know for sure my LTV warrants removal of PMI at this point. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
01/11/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92591	Web
On XX/XX/XXXX, we requested Roundpoint to remove our PMI, and requested an appraisal to be done. Being a licensed XXXX XXXX, I am aware of the current comparable sales in the community and was confident that our property would appraise at a point where it would meet the LTV to at least 80 %, given the upgrades we had done. On XX/XX/XXXX, an appraiser came to our home to do her appraisal. On XX/XX/XXXX, we received a letter from Roundpoint that our request to remove PMI was denied due to the LTV based on the original and current property value does not meet the agency/investor eligibility criteria. It also noted that the principal balance of our mortgage loan has not reached 80 % of the original value of the property. Based on the appraisal, our home was valued at $ XXXX, which is lower than what we anticipated, with a loan balance of $ XXXX. A similar home ( same plan ) backing a street with an upgraded backyard, which we also do, sold at $ XXXX, and another home with the same plan sold at $ XXXX. Our home should have appraised at $ XXXX at a minimum. I called the lender and requested a copy of the appraisal, since I would like to dispute the value it was appraised at. I was told that I should get a copy electronically within an hour. Days passed and did n't get a copy. On XX/XX/XXXX, I called the lender twice and requested an electronic copy of the appraisal explaining that I never received a copy from my original request. I was told that I should get it within 48 hours and not after an hour as I was told previously, since it needed to be requested from a 3rd party. I waited and waited, but nothing was sent in my email. On XX/XX/XXXX, I called the lender again and mentioned that based on our recent mortgage payment in XX/XX/XXXX, our loan balance has dropped to $ XXXX, and with the appraised value of $ XXXX, we should be able to get our PMI removed. I was told that it could not be removed because it does not meet the agency/investor eligibility criteria of LTV at 75 %. From the time we signed our loan documents for the purchase of our home in XX/XX/XXXX, the PMI was disclosed to be removed when we reach LTV at 80 %. Mortgage servicers must give borrowers an annual statement that shows whom to call for information about canceling mortgage insurance, but we do n't remember having received anything form Roundpoint regarding a requirement of 75 % LTV. This lender was not the original lender we obtained the loan from. It was sold to them shortly after we closed on our purchase in XX/XX/XXXX, from XXXX XXXX XXXX, followed by XXXX, and finally, we ended up being serviced by Roundpoint. We are therefore requesting assistance to get Roundpoint to remove the unnecessary PMI from our mortgage payment, as they are currently basing the eligibility from the agency/investor criteria, instead of what we were told when we obtained mortgage loan. Additionally, Roundpoint has not provided us with a copy of the appraisal report, as requested.
11/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60629	Web
In XXXX, I reached out to Roundpoint mortgage because I was experiencing financial difficulties, due to Covid related issues. My lender ( Roundpoint ) offered to put my mortgage loan on a forbearance plan, letting me know that these missed payments would be added to the end of my loan and I would just resume making payments as to before the forbearance. I took the forbearance which was to end in XXXX. When I called the mortgage company in XXXX, they indicated that my plan was over in XXXX and I should reach out to them at the end of XXXX. I reached out at the end of XXXX and was told that my mortgage loan did not in fact allow my to put the payments at the end of the term and they offered other options I was eligible for. One of these was a modification plan- which I accepted. They sent paperwork and I signed it and returned it. I was to make 3 payments of XXXX for XXXX, XXXX and XXXX each within the month they were due. I made the first payment for XXXX and shortly thereafter I received a call from Roundpoint stating that I did not qualify for the plan they had offered, and had already started. I would now need to complete a mortgage assistance application. As I was ready to complete this application, I received an email on XX/XX/XXXX from XXXX stating that I had been been approved for a mortgage assistance application I had submitted earlier in the year. I reached out to XXXXoundpoint Mortgage and informed them that I had been awarded these monies and this would bring my mortgage up to date. The amount of this was {$6400.00}. I waited a few weeks to see that this was applied to my loan so that I could continue to make my payment. I did not see these applied to my loan and then reached out to Roundpoint and XXXX. XXXX confirmed that these funds were sent on XX/XX/XXXX, but Roundpoint had not applied these to my account. I have since been communicating via email and phone with XXXX and Roundpoint to get these funds applied to my account. My mortgage has further gone into arrears as the lender has not applied these and will not accept my payment as well. I have sent the XXXX, XXXX and XXXX payments. The XXXX, XXXX payments have already been returned to my bank. I reached out to Rounpoint to ask why my payments have been returned and they stated that they will only take the full amount due on the mortgage in order to reinstate it. I can not make a payment of {$8000.00}. The funds that were granted by XXXX and the 2 payments that were returned would satisfy this balance due - but they will not take them in this form. It has to be 1 payment of {$8000.00}. I have been in contact with XXXX XXXX and XXXX XXXX of Roundpoint mortgage - XXXX. The last communication I had with both XXXX ad Roundpoint both parties say that the other party is not responsive and/or is not giving them the information they request. Your assistance in ensuring funds are applied and my payments are accepted would be greatly appreciated. XXXX XXXX
08/04/2020	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 279XX	Web
My wife and I have an FHA home mortgage through Roundpoint Mortgage Servicing Corporation. We currently owe about {$270000.00}. Our home was just appraised for {$530000.00}. We want to refinance to take advantage of a better interest rate as well as getting rid of our PMI. This would save us over {$200.00} each month. We applied to refinance with Roundpoint Mortgage Servicing Corporation. The refinance was for a conventional loan that came out to about {$280000.00} after refinancing costs. My wife and I both make more money than we did when we first got the loan. It was originally a loan for {$250000.00} to purchase the home as a short sale, and {$50000.00} cash to make improvements. We have had this loan since XX/XX/XXXXand never have missed a payment or been late. We submitted our tax returns for two years. XX/XX/XXXXwe showed an income of {$96000.00} and XX/XX/XXXX we showed an income of {$100000.00}. I am an XXXX XXXX at a local XXXX XXXX XXXX and my wife owns a XXXX XXXX. She has been in XXXX for 8 years and has shown a steady profit each year. She owned the XXXX when we got our original loan and we were approved based on her income and my income. Her XXXX is seasonal. She earns most of her total annual income in the second half of the year and really makes most of it in the fourth quarter. We can prove this and have offered income statements from XX/XX/XXXXshowing the majority of the income coming in the latter part of the year. We have offered up evidence to show this is a trend year after year. Roundpoint Mortgage Servicing Corporation refuses to acknowledge her income on an annual basis and only will look at her current year income. Currently, she shows a net income of about {$13000.00}. She actually has earned more so far this year than last year to date. As someone that is on salary, Roundpoint is willing to acknowledge my annual income, but refuses to acknowledge my wife 's income as a XXXX XXXX owner. I feel their practice is discriminatory against XX/XX/XXXXXX/XX/XXXXowners and I feel that they are discriminating against her specifically as a female XXXX owner. She deserves to be given credit for the success of her XXXX after 8 years of proven financial success. Roundpoint Mortgage Servicing Corporation will not even give her a chance to show this track record. They have shut us down. I also am concerned that Roundpoint Mortgage Servicing Corporation is unfairly stopping us from gaining a better interest rate and allowing us to drop our PMI. It seems that they stand to lose money in the long run if we refinance, so they are using poor and discriminatory lending practices in order to stop us from saving money in order to keep their own financial standing. The simple fact is, my wife and I make more money now than when we first got our loan. This loan will decrease our monthly spending by more than {$200.00}. It makes no fiscal sense for Roundpoint to prevent us from refinancing.
10/21/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 75071	Web
We refinanced our home. Payments were made during the process and not credited to the new loan amount in the amount of {$1500.00} XX/XX/XXXX We were told our loan had been through final approval via email XX/XX/XXXX We emailed processor and asked if the final loan amount would be updated to the correct payoff/refinance amount XX/XX/XXXX We were told via email that the title company and the closer would be collaborating fees, leading us to believe that the loan amount upon actual close would be updated and correct XX/XX/XXXX We were We via phone spoke with the title company twice We had a very short time to set the close date XX/XX/XXXX Contacted the title company twice during the close process because the figures were incorrect XX/XX/XXXX Multiple phone calls to the mortgage company via phone to try and get in touch with the processor, the closer and costumer service during the closing XX/XX/XXXX Multiple emails to processor concerning the loan amount during closing was told we were unable to get cash back at closing in Texas was told it was a rounding issue, they rounded up to prevent getting cash back was told we would get overage back after close was told there were fees and interest was told the loan officer would call me XX/XX/XXXX Loan officer called and emailed, we missed the call however we called and emailed back the same day. We were not able to speak with him XX/XX/XXXX Called and emailed the loan officer in an attempt to contact them again XX/XX/XXXX Called the mortgage company and the closer 3 times, trying to get in touch with someone who could help us address the issue. Was transferred to multiple departments, spoke with multiple people who could not help us. XX/XX/XXXX Called the mortgage company to leave multiple messages for the various departments and people we'd been in contact with. Was told that the loan officer would contact us - we never heard from him XX/XX/XXXX Lodged a formal complaint with the mortgage company via email XX/XX/XXXX Blanket response from mortgage company saying the issue was sent to the Customer advocate who would be in contact with us - we never heard from anyone XXXX Called the mortgage company using multiple numbers including the number in the Customer advocate email, was transferred around, left messages spoke with multiple people who could not help us XX/XX/XXXX Called the mortgage company attempting to seek help, no one could help us, could not help us, left message for the loan officer who we were told would contact us and did not hear from anyone XX/XX/XXXX Called the mortgage company again, was transferred and placed on hold almost 4 hours. We used another phone to call them again to speak with someone in management, placed on hold several times. No one was ever available. Left messages again, let them know the attempts and the problem, that we'd filed a formal complaint and were going to seek outside complaints. Have not heard from anyone.
03/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 062XX	Web
I received my escrow analysis statement dated XX/XX/2019 Immediately I noticed an error as my XXXX month activity was showing {$0.00} however I have never missed a payment or had a late payment for the 4+ years we've had this loan. XX/XX/2019 - I called the mortgage company ( RoundPoint ) and spoke to XXXX a customer service employee who saw the same issue as I and said he would request another analysis to be completed on the account I was total 3-5 business days to reanalyze 20 min call XX/XX/2019 - I called RoundPoint again because no one had gotten back to me and spoke to person who was extremely confrontational and was not listening to the issue. Ended call with me deciding I would call back and speak to someone else 22 min call XX/XX/2019 - I called RoundPoint and spoke to XXXX who also was pushing back on my request however at the end of the call said she would request another analysis to be completed on the account I was total 3-5 business days to reanalyze 37 min call XX/XX/2019 - XXXX called me and said that the escrow department refused to reanalyze the escrow account as I had " no basis '' to request one. I explained that 12 payments were requested and I made 12 payments so how are 11 payments only listed as actuals against my account. XXXX mentioned minimum balance in account to be $ XXXX. I then asked her for the calculation for the minimum required balance in the escrow and was told she would email it to me. She put me on hold and spoke to escrow department and they agreed a variance was noted and would reanalyze. 36 min call XX/XX/2019 - XXXX called me and said that the escrow department refused to reanalyze the escrow account. We again went through what was going on. XXXX mentioned minimum balance in account to be $ XXXX AGAIN. I then asked her for the calculation for the minimum required balance in the escrow and was told she would email it to me. At the end of the 1hr 15 min call we found out the beginning balance of the escrow analysis statement was incorrect. She requested that the escrow account be reanalyzed. I was told it would take 3-5 business days. 75 min call XX/XX/2019 - Called XXXX directly as no call received back about analysis. Left voicemail 0 min call XX/XX/2019 - XXXX called me and said escrow department refused to reanalyze the escrow account. 10 min call XX/XX/2019 - XXXX requested a time to call me. I had asked for the analysis and was told they are not reanalyzing. I then asked her for the calculation for the minimum required balance in the escrow and was told she is unable to give it to me but that she could call me to explain it. I said email me the calculation so I can see how it is completed and then I can setup a time to speak to her. All of these communications are taking up unnecessary time and the company is REFUSING to reanalyze the escrow account or provide details on what constitutes the minimum for the escrow account balance.
12/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94536	Web
There has been two ongoing issues related to insurance and property taxes. The insurance has been ongoing since XXXX 2016 and the property taxes for about 4 weeks now. In XXXX, I received a letter from Round Point Mortgage requesting documents of hazard insurance of my property. I called RoundPoint and spoke to one of the representatives who gave me instructions to send my HOA documents via email to their insurance department. As requested, I had emailed my documents that same day. Found out in XXXX, Round Point had charged me for Hazard Insurance which made me fall on a " shortage '' on their escrow, increasing my XXXX mortgage more than {$400.00}. I called and followed up with RoundPoint explaining that I had already submitted these documents to provide proof to them. One of the representatives could not locate my files or even my email that I sent. After being placed on hold for more than an hour, they were able to transfer me to the insurance department and was able to locate my email with all the documents to then add on to my profile. I was told to give it about 2 days for them to work on removing the hazard insurance they had charged me, but until today, I am still following up with them and it has yet to be done on their end. As far as property taxes were going for XXXX, there were XXXX taxes total ( XXXX secured, XXXX supplemental taxes ). Of the XXXX, I had paid the XXXX half of the secured tax and XXXX of XXXX of the XXXX supplemental taxes. I requested RoundPoint to pay the rest, although they ended paying all of the supplements, after I explained I had paid for the XXXX half already, I was avoiding having to have a large " shortage. '' The representative explained it would take up to 4 weeks until the county would refund them what they 've paid for. I continued checking the online status of my property via XXXX County website on the property tax payment. They had never posted Round Point 's payment that claimed to have paid on XXXX XXXX, 2016. It only shows the XXXX payments I had made on XXXX XXXX and XXXX XXXX, 2016. I called Round Point again to explain this to them, when one of the representatives explained to me that I should call back on the due date of those property taxes ( XXXX ) and if the county did not receive their payment, to follow up with Round Point again. I called XXXX and spoke with another representative to explain the county had not received their payment and now accumulated late fee for the XXXX half of the tax. The lady informed me to download my billing statement and provide this to my county, which I thought was Round Point 's responsibility to have taken care of this matter. Today, I am left with no resolution to both these issues with what the county looks at unpaid property taxes from my lender and hazard insurance was issued by my lender 2 months after I had provided them proof of documents these were covered through my HOA.
09/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 146XX	Web
I am complaining in regards to the escrow account attached to my mortgage. I purchased a new construction house in XXXX of XXXX. Due to the fact that the property was new construction, the initial taxes due were low due to them being on a low assessed value of an unimproved lot worth {$11000.00}. The property then became assessed at a value of {$180000.00}. However taxes due on this new value for the City of XXXX did n't start until XXXX of XXXX and wo n't become due for the XXXX County until XXXX of XXXX. Regardless I was instructed to put money down into escrow at loan closing despite my protest. I also paid {$770.00} a month into escrow to cover taxes, mortgage insurance, and hazard insurance. It was my belief that this would be the correct eventual amount. I called Roundpoint Mortgage Servicing Corporation in XXXX of XXXX to request a refund for loan number XXXX. They stalled, saying they did not have all the taxes. In informed them they should get a City tax bill shortly. Once they received it they did perform an analysis in XXXX and I did receive a refund of {$6500.00}. However they increased my monthly escrow payment to {$860.00}. I have now complained that they have the incorrect tax information for over a month. You see what they did was list my City of XXXX taxes at XXXX x {$1400.00} or {$5700.00}. The taxes are paid quarterly but only the first payment is {$1400.00}, the following XXXX are {$1000.00} for a total yearly of {$4500.00}. So they overestimated by {$1100.00} or {$97.00} a month. They still have not fixed the error. They asked me to provide a bill, but I 'm not provided a copy by the City of XXXX until paid in full. I told them the information was available online at XXXX or they could call and request the information. In addition, whoever has been looking at my account has now altered my hazard insurance from XXXX XXXX to XXXX XXXX Co with a wrong policy number and amount of {$550.00}. I did call the Hazard Insurance department at Roundpoint and verified they still have XXXX XXXX listed, but my online escrow account page still has the incorrect information. In addition the XXXX is now listed wrong as well at {$1500.00} instead of {$1600.00} even though they pay that insurance monthly for {$130.00} which annualized is {$1600.00}. I believe the evidence shows that somebody incompetent is reviewing my account or doing my escrow analysis. Listed below are the correct annual amounts. XXXX XXXX has not billed but appears to be correct in relationship to what my neighbors are paying and is the estimated figure provided by Roundpoint. My Escrow Analysis XXXX County Taxes : {$2400.00} City of XXXX Taxes : {$4500.00} Mortgage Insurance : {$1600.00} Hazard Insurance : {$550.00}. Total Yearly Costs : {$9100.00} / XXXX = Monthly Escrow {$760.00} I am request that my escrow be updated to {$760.00} a month. Thank you, XXXX XXXX
01/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29708	Web
I called Round Point Mortgage on a few months ago on XX/XX/XXXX to make a payment over the phone. The lady asked if I 'd like to set up automatic payments for the future. I asked her ... to make sure ... that it would NOT auto draft a separate payment that same month out of my account. She said no- ( seems like a silly question but this is exactly what happened ) on XX/XX/XXXX my monthly mortgage was drafted out of my account again. I was devastated because this was right before XXXX. Not only did this drain my account but now it was going to make me financial unstable during the holiday season along with other bills I had to pay. I called Round Point back to file a complaint and to ask them why this happened. They proceeded to tell me it 's because I set up auto payments but in reality ... I even asked to make sure it would NOT be taken out a second time. I stayed calm as they told me they would send me a check in 2-3 business day and followed the correct procedure by providing them with bank statements to show the withdraw. A few days passed and I never received a check. I called back round point for them to tell me " Oh, I 'm sorry they meant to tell you 5-7 days '' - ok wow. Whatever ... so I waited a few days. I called back again after I did not receive a check. Then someone said " Oh, well I am sorry they should have told you 10 days '' ... wow, now I 'm getting angry. I waited a few more days - I never received a check. I then called back to ask if they could please cancel this check and send me a new one since this one was apparently lost in the mail or never made it to my address. I called back and asked for this issue to be escalated- they told it would take another 10 days before I got my check. This time I asked for it to go to a different address ( my boyfriends house - in case something was messed up with the mail or that address ) I called after another 10 days ... .they still told me to wait. I explained to them numerous times this was a huge burden on me - and this was Round Points fault in the first place - they were welcome to listen to the call if they 'd like. I have been patient enough- I called them to threaten a complaint with the CFPB and " now '' they said they would send me a check in the mail over night .... I am done playing their games. I need this money to pay my bills. I 've been so stressed about bills and was not able to afford to get my family what I wanted because I refuse to miss a payment on any bills ( and I 've never missed a payment ) just to prove a point. At this point this complaint it necessary and this issue needs to be investigated. This could be happening to more people than just me- I know how stressed and frustrated I have been because it is now XX/XX/XXXX and I still have yet to get my {$1300.00} back into my account. I 'm furious and never get the customer service I deserve with this company.
05/04/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 93311	Web
Roundpoint Mortgage is the note holder and servicer of my mortgage. We have submitted four different financial hardship packages with the intention of obtaining an approval for a loan modification. We started last year and until now nothing has been accomplished. Every time we submit a package they lose the paper work and send us a notification requesting the same information we have sent via email and after confirmed via phone that it was received they still send out notifications asking for the same information. They continue to play games with us. We submitted an application requesting assistance with our mortgage with Keep Your Home California, and after months of sending information back and forth we were told that the program was approved but Roundpoint Mortgage would not approve working with them, since they are the servicing company and the investors too. we want to keep our home and we are willing to do whatever it is within our power to remain in our home. The third hardship package we sent to Roundpoint was in XX/XX/XXXX. We called them for an update in XX/XX/XXXX and we were told that our application was denied, they never sent us a notification explaining why. Then in XX/XX/XXXX we received a letter from Roundpoint Mortgage requesting more information and stating that the application was incomplete. They decided to re open our file without saying anything few days after people from the program " Keep Your Home California '' told us that our application for assistance was approved but they needed to hear back from Roundpoint Mortgage in order to release the necessary funds to re instate our mortgage. We were supposed to receive up to $ 100k in funds to re instate our mortgage, but Roundpoint Mortgage declined to receive the help " Keep Your Home California '' was offering to us.Things do not match or make sense. Roundpoint is definitely not helping us, instead they are making things more complicated for us as if they want us to lose our home. We are very stressed out over this situation. I told them I suffer of XXXX XXXX and they don't care at all. The people from Roundpoint lie constantly about the paper work they receive and they continue to toy us around. We never receive a call back from the person in charge of our case within the litigation department. We are being ignored and mistreated. We are doing our best but Roundpoint Mortgage loses our paper work every time and we don't know what to do. The first three times we sent our information via fax seven times and via email. We have always received a fax confirmation and confirmed via phone that our information was received but they always send us letter requesting the same information that was sent to them. Please help us with this situation so we can keep our home. We want to stay in our home. Thank you for taking this matter into consideration. Sincerely, XXXX XXXX XXXX.
05/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70364	Web
XXXX XXXX My husband was laid-off from his job. We called the mortgage company to see if there was any way we could pay the interest basically if there was anything we could do because we could not pay the loan. We were instructed to submit the Borrowers assistance application. All paperwork was submitted before XX/XX/XXXX. My husband started a new job XX/XX/XXXX. Around this time we received a letter from the mortgage company stating we were eligible for a 3 month forbearance program. At this point we had not paid the XX/XX/XXXX note. The forbearance was from XX/XX/XXXX to XX/XX/XXXX. Once we received my husbands first check I attempted to make a payment online and the system would not allow the payment. At this point I contacted the Mortgage company to try to make the payment I was told because we were in the forbearance program I would not be able to make the payment until the program was complete. My husband was laid off again XX/XX/XXXX and found another job for less money XX/XX/XXXX XXXX. I contacted the mortgage company XX/XX/XXXX to see what our options would be for repayment. She told me I had to submit the borrow assistance application again with the recent month check stubs. I told her my husband had recently got another job and I only had XXXX check stub at that point. She told me I would have to wait to submit. I resubmitted our application XX/XX/XXXX I received letters 3 times on info that was not provided with the application. I submitted the info immediately. On XXXX XXXX we received our evaluation summary from the mortgage company stating the only program we would be eligible for is short sale or deed in lieu of foreclosure. The only other option would be to pay the XXXX we are behind. My husband spoke to someone with the mortgage company on XXXX XXXX and was advised to resubmit our application with the changes we have recently made on some of our other bills. And I did n't realize when I submitted the paperwork in XX/XX/XXXX that I did n't include my husbands truck allowance. I resubmitted by XXXX through email on XXXX XXXX. When we got home on XXXX XXXX we had a notice of default and intent to accelerate letter in the mail dated XXXX/XXXX/XXXX. This letter states we have until XXXX/XXXX/XXXX to bring the mortgage current to avoid foreclosure. We also received a notice of a certified letter that no one was home to sign for. We was told the forbearance was the only program available to us. We was also under the impression that they would work with us to get this account up to date once it was done. In this time our credit score has dropped from upper XXXX 's to lower XXXX 's which we did not realize would happen since we were working with them. All we want is for the mortgage company to not take advantage of us in this situation. We do not want to lose our home. They were very misleading about the end result of this program.
12/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78641	Web	Servicemember
XXXX- We paid our loan off, including the property taxes due that year. Round point Mortgage ( RPM ) asked transmitted the data file to core logic the same day to pay the taxes. XX/XX/XXXX- I called Roundpoint to ask for my Escrow refund. The stated they already asked their vendor to pay the taxes and to call the county or my title company to sort it out. They also applied an escrow adjustment to my account in the amount of {$2400.00}. Stating I still owed that amount. I called the county and they stated they received my funds from closing to pay it, but XXXX has not transmitted the file to them yet and normally doesn't for at least 2 more weeks. At that point they would decline the transaction and I would need to get the funds from my mortgage company. I called Round Point back, and asked them to call their vendor, XXXX and verify the date they send the funds and to cancel my payment. They said they can not do that. Once the file is sent they can not cancel it, even if the data is wrong. XXXX I called round point back and spoke to the same person, XXXX XXXX , who alerted me that I would have to pay the {$2400.00} before the XXXX or they would report it to the credit agency. I asked her how, with them owing me {$13000.00} could they report an unpaid debit when the county has been paid. She said they would as they need confirmation from their vendor, not the county of record. I told her to log onto the county website, it shows paid. I gave her the name of the person in charge there and her phone number to call for verification. She said she would investigate and call me back. I did not receive a call back the next day or the following day. XXXX- I called round point to again ask about my refund. They said their 3rd party has the funds and they have to wait till they " get something back '' about the loan. I asked them to call their vendor, they would not. I asked them to call the county to verify the amount was paid. They would not. XX/XX/XXXX- I called the county and verified XXXX had not transmitted the tape with the payments yet and called RPM again and was told XXXX would call me back. Later that day XXXX emailed me advising my options were to pay the shortage amount and when the funds got back to RPM they would reimburse me or to wait for the refund and have my credit report effected. I replied to her email the county tax office does not have the funds and outlined what the county told me was needed to get my funds back. She never replied. XXXX- I received a debt collector call from RPM and an email about my mortgage payment XXXX- I called RPM again. The same options were given and I was told there is nothing they can do. They can not call their vendor to ask about the funds and they can not call the county. I asked about the call and they stated I owed the money and would continue to receive calls about the issue.
05/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40515	Web
I purchased a home with my husband in XX/XX/XXXX. Roundpoint Mortgage purchased my mortgage from the original lender in XX/XX/XXXX. I neither chose nor desired any business relationship with Roundpoint Mortgage Servicing. I have paid or attempted to pay each and every one of my payments on time, usually well in advance of the due date. Twice they have misallocated a payment by adding my monthly payment to the principal column of my account rather than distributing it per our agreement and adding the additional principal paid as directed on my payment coupon ( which was always completely and accurately filled out ). The XX/XX/XXXX payment was never recorded/charged from my checking account, even though the check/payment was sent at the end of XX/XX/XXXX. I called to discuss why it had not been applied, and I was told over the phone that it had. I actually made a payment online while on the phone with the agent to cover the payment. He advised me that he had infact found my XX/XX/XXXX payment and that it cleared on XX/XX/XXXX. He then cancelled my online payment so that I wouldn't double pay. I then received a notice that I owed 2 payments and called the company yet again. As it turned out ( it took an hour -- 62+minutes -- to figure out ) the payment received on XX/XX/XXXX was the XX/XX/XXXX payment and they still had not applied the XXXX payment that I mailed in XX/XX/XXXX. I paid both the XXXX and the XXXX payments on XX/XX/XXXX. When I received the XX/XX/XXXX statement for the XX/XX/XXXX due date, my " Principal YTD '' showed " - {$88.00}. '' After my 2nd phone call on XX/XX/XXXX which lasted 46 minutes, they finally figured out that when they misallocated my payment in XX/XX/XXXX, my principal portion was put in the negative so severely that even after paying approximately $ 350/month towards principal, it's still in the negative. They have yet to clear this up. Each month there is a new problem. They still can not guarantee that I'm not being charged interest ( accruing interest ) on debt that has already been paid. When I call, the employees do not know what to do with my issues. On more than one occasion they have blamed me for the problem, saying that I should have waited until the calendar month in which the payment was due prior to making the payment, even though I was simply paying the bill as it arrived and my due date is on the XXXX of the month, so I can not send it in on a different day of the same month and still be on time. The company should NEVER blame the consumer for a problem that the company caused. Additionally, the company misfunded my escrow account and they charged me an extra {$1500.00}! I truly believe that this money is messed up in the same way that my principal is messed up and I've been forced to pay this illegally. I just want my money to be applied to my debt in a fair and legal manner.
07/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30075	Web
Hello CFPB! We are having issues convincing our mortgage company to remove our Private Mortgage Insurance ( PMI ), and are requesting your assistance in doing so : We secured our mortgage with Roundpoint Mortgage in XX/XX/XXXX, and accepted the PMI payment attached to it with the understanding that we could apply to have it removed once the Loan to Value ratio dropped below 80 %. Once we achieved that ratio in XX/XX/XXXX, we applied to have it removed and have been unsuccessful to date. The purpose of this letter is to formally request that the CPFB assist us, specifically considering our payment history with Roundpoint and prior credit history ; the appreciation of the current property value from the start of our mortgage with Roundpoint, and that our ( XX/XX/XXXX ) 75.7 % loan to value is meticulously close to Roundpoint s requirement of 75 %. First, after consulting with our lender, agent, and various federal standards resources, we can see no indicator that either FHA, Conventional or any other loan type requires the continuation of PMI after the LTV has dropped below 78 %. Second, when my wife and I purchased this property, we brought a solid credit history to the application process. Separately, she and I both had enjoyed solid history as property owners, and later, as a married couple, we successfully paid off a home together. As a family, we are far from a risk to dodge payment on our mortgage and relieve us of that expense. Roundpoint 's records will undoubtedly show that we have remained diligent in keeping our payment history current these 30+ months. Additionally, we have poured investment into continually improving our home. We are hardly a default risk. We were careful to purchase, first to meet specific school district needs for our children, and second, to target a zip code whose value appreciated well. Fortunately, these past 2 years has blessed us in both regards. Our children are thriving in school and the area has appreciated well. Procedurally, we : Purchased the house @ {$400000.00} in XX/XX/XXXX. Updated and finished the basement, painted the entire homes interior, and made other improvements to ensure our investment retains its value. Followed the PMI removal appraisal process as outlined by Roundpoint, and the appraisal determined the current value {$480000.00}, a 21 % increase since the point of purchase. As information, XXXX estimate is {$510000.00}, significantly above the formal appraised value : XXXX XXXX XXXX Third, we believe that considering our payment history, our care for and the significant appreciation of the property itself, and that LTV position results in seven tenths of one percent short of Roundpoint s requirement of 75 % substantiates the removal of the PMI insurance payment. We would appreciate your consideration. Thank you, XXXX and XXXX XXXX / XXXX / XXXX
12/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76135	Web
I currently have three ( 3 ) issues. Number one ( 1 ) and two ( 2 ) need to be address. Number three ( 3 ) is a violation of the FDCPA and a complaint has already been sent through the FTC. Number ( 3 ) has been included to provide a complete picture of that is going on. ( 1 ) I am attempting to have my Personal Mortgage Insurance ( PMI ) removed. Currently my account 100 % complies with XXXX the lenders requirements and my closing documents requirements for removal of PMI. I strictly followed the steps that are outlined in my closing documents. These steps are identical to the ones listed on Roundpoints website, which ask for the request to be email to XXXXXXXXXXXX. My servicer ( Roundpoint ) followed up with a Roundpoint " PMI Removal Form '' that is not tailored to the requirements of my lender. There form would put additional limitation on my account and states I am not eligible for PMI removal. I have sent multiple emails informing Roundpoint that I can not sign any document that may alter my current loan, be seen as an addendum, or that does not comply with the lenders requirements. Rounpoint refuses to continue the PMI removal process unitl I fill out there form. I informed Rountpoint that there standard form is not a requirement of the lender nor is its completion listed as a required step in my closing documents. ( 2 ) The servicer ( Roundpoint ) states I have to pay $ XXXX {$600.00} for an appraisal. Since my email string ( attached ) the servicer has agreed to let me review the invoice and confirm the appraisal has not been " marked up ''. Though this is still higher than normal. I am worried Roundpoint is getting a kickback that may be masking any markup. I informed my servicer that the lender ( XXXX ) allows for a BPO to confirm property value and would be substantial cheaper. Roundpoint keeps saying an appraisal is " required by the lender ''. I sent Roundpoint a link ( shown below ). That indicates an appraisal is not " required ''. I have sent multiple email trying to have a discussion on this but Roundpoint refuses to address my concerns directly. XXXX : XXXX -Reference " Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Current Property Value '' subsection XXXX. ( 3 ) The servicer ( Roundpoint ) attempted to contact me. A representative called me and immediately asked for my address and last XXXX of social. I informed him that I would not provide that information to some random " XXXX '' that calls me. I stated, " I need confirmation that you are actually from Roundpoint. '' He refused to provide any information and stated that my refusal would be, '' notated on my account ''. I never confirmed I was the borrower and the servicer still added notations on my account based on the conversation. I have submitted a complaint with the FTC in regards to this FDCPA violation.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85338	Web
I have two delinquent payments on my credit report that were due to some circumstances that were beyond our control. XXXX. In XX/XX/XXXX Round Point mortgage originally had a billing issue and when they sent their bill they were sending it to the wrong address. So, they actually removed the delinquency, but when we sold the home 6 months later they added the delinquency back. It's almost like they were upset not to keep the loan. So, I called them and asked them why they removed it one time and then added it back later, and they said they had to report correctly to the bureaus. Then I told them how they were at fault for the original issue and once we got the correct address resolved then we paid the mortgage and put it on autopayment. They refused to remove it again. I find it very suspect that they would remove it, and then eventually put it back on later once they were no longer our mortgage lender. You can probably see from your end and from the credit agencies where they did remove it and then put it back on the credit reports. XXXX. In XX/XX/XXXX our mortgage was purchased by XXXX bank. We had just purchased an investment property in XX/XX/XXXX and the mortgage was sold to flagstar bank. So, we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions, in XXXX and XXXX we were the victims of some scams and fraud where our mail was not getting routed to our address ( it was all getting sent to the post office ), and XXXX didn't have our mailing address po box on file, so we weren't getting the bills. Once I saw the delinquency on the credit report I immediately called them and paid the balance, set the mortgage up on autopay, and told them the issue. I then went to the post office and found out they had been holding our mail for XXXX, XXXX, XXXX ( See photo of me picking up the mail at the post office ). The lady at the post office was shocked to see so much mail and didn't understand why I wasn't notified with a letter or note on my door. The mortgage company said they don't handle dispute issues over the phone and I had to do a written request. So I sent in my request stating the billing address error and the mail fraud error, and they declined our request to have the delinquency removed. You would have thought they would have called me first after 15-30 days to do some collection services before submitting a delinquency to the bureaus. Both of these instances were billing errors on the part of the mortgage company and the company did not take any responsibility. They also didn't call me to ask me why we were late or discuss payment plan options, or in the case of flagstar they didn't call to see if we were distressed during COVID. In each case, they both showed quick hard handed responses to issues that were simple to be resolved with a mere phone call.
04/22/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	UT 843XX	Web
The reality is that the intent of the Federal Loan Modification Program is to provide an alternative to foreclosure for millions of struggling homeowners. Furthermore, these homeowners are supposed to be able to secure a loan modification without the assistance of a competent advisor. Unfortunately, the lenders and servicers do not play by the rules. Consequently, average homeowners are taken advantage of and face the prospect of losing their homes by falling short of bank 's loan modification hoops. This is why there is a massive amount of litigation in the state and federal courts seeking relief for victimized homeowners. You need to work with specialists who know the programs and can make the lenders adhere to the federal laws and guidelines. I did not have this specialist when I started this loan. In letters from the servicers they state that they are proud to service your loan. We are committed to protecting the rights of our customers who are service members. I did not know all of the hoops there would be to go thru to obtain this type of a loan. Every time I called in for help or to have my questions answered I would get a different answer to my question. I was assigned to have this one person his title was a Legation Specialty to help me with my questions. I had another person who whose title was Customer Advocate specialist. I was told that if I had questions I was to call them. Every time I would call I could never get a hold them. I was told to leave a message and they would return my call. I never did hear back from them many times. At the beginning of the loan modification they told me I would have a four month trail to prove that I could make the payments of {$720.00} for four months. Starting date would be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX would be the last payment of the trail period. It was not explained to me that I should have been making the full payment of {$840.00} for these four months. The difference between the payment {$720.00} and XXXX is {$110.00}. They claimed this as a missed payment and reported this to the credit bureau. This gives me a bad credit rating with XXXX, XXXX, XXXX. I would like to have my bad credit rating restored and disputed. They are telling me now that I have missed 3 months of payments and want late fees too. I have bank statements proving that the payments were made. This a debt collecting agency which may report about your Mortgage account to the Credit Bureau. So now that has happened and my credit is no good. I have never had this happen before. When I have tried to contact this company I have had to wait so long for them to get back to me and then I always get someone different that does n't know what is going on. This has been very frustrating. Now if I do n't make this payment by a certain date they will foreclose on my house.
09/22/2018	No	Mortgage Conventional home mortgage	Trouble during payment process	CA 93561	Web
We closed on an investment property in XXXX, TX in the beginning of XX/XX/2018. The original loan was for $ XXXX. The escrow should have already been set up at that point to cover all insurances, including flood insurance for the year. The original lender XXXX XXXX sold our mortgage to RoundPoint Mortgage in XX/XX/2018. RoundPoint on more than one occasion demonstrated terrible communication. They did not have various documents ( they kept asking for things over and over again via mail ), and did not acknowledge our new account until right before XXXX 's mortgage was due. This is relevant because they then over paid the flood insurance to FEMA in XXXX. They sent them an extra {$6200.00} from our escrow. RoundPoint did not inform me of their mistake. It was in fact, my insurance broker 's office ( XXXX XXXX ) who called me and told me that the mortgage servicing company had paid the flood insurance twice. FEMA sent us back an overpayment check. RoundPoint then sent me a statement in XXXX claiming escrow for the year was going to be short, and that for XXXX we were going to have to either send them {$10000.00}, or our monthly mortgage was going to increase by + $ XXXX/month. I called them and asked 1. ) Why was the flood insurance double paid?, and 2. ) How can the escrow be that much off when the loan is only a few months old? Their response was literally, " these things happen '' and " you'd be surprised how often this sort of things happen. '' They gave no reason why the flood insurance was handled so poorly, or why the escrow was still apparently $ XXXX off from what was calculated for closing only a few months before. I have trouble getting them on the phone ( I'm on the XXXX coast, their offices on the XXXX coast ), and the website login doesn't give access to much account info at all. I sent the FEMA overpayment check back to RoundPoint to be put specifically into escrow but they have not informed me of any changes yet. I logged onto their terrible web interface and I see that the monthly mortgage has now been recalculated. So, in essence this is what happened : XX/XX/2018, close with a monthly mortgage payment of {$1700.00}. XX/XX/2018, loan sold to RoundPoint. XX/XX/2018, RoundPoint over paid flood insurance. XX/XX/2018, Round point says we were going to have to either send them ~ $ XXXX, or our monthly mortgage was going to increase by $ XXXX/month. XX/XX/2018, I get the FEMA overpayment back into escrow with RoundPoint. XX/XX/2018, RoundPoint recalculates our monthly mortgage payment to be {$2100.00}. Why are we being asked to pay ~ {$300.00} more a month when we only closed last XXXX? Why are they not taking responsibility for their mistake? I don't understand how the terms of the loan can change this much. I'm not sure what action to take now. Thank you, -XXXX XXXX
12/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19007	Web
Dear all, In XX/XX/XXXX, I conducted a mortgage with the XXXX XXXX XXXX for my principle property which is a condo in XXXX PA XXXX. In XX/XX/XXXX, I was informed that the XXXX XXXX XXXX sold/transferred my loan to the Roundpoint servicing company. In XX/XX/XXXX, I received two interim notices concerning school taxes. I sent these notices by email to roundpointmortgage.com so they can take care of these amounts since they keep my escrow account. They replied by phone call that they don't pay interim or supplementary taxes and that's the borrower 's responsibility. I called them again trying to explain that these notices concern, the first interim notice, school taxes from XX/XX/XXXX till XX/XX/XXXX which I have already paid in the closing date, as you can see from the latest closing disclosure document, and the 2nd notice the two months XXXX and XX/XX/XXXX since the closing date was on XX/XX/XXXX. I even asked to escalate the problem and spoke with the supervisor of the taxes department of the roundpointmorgage company. I also explained that these notices informed me that school taxes have to be paid off by XX/XX/XXXX and XX/XX/XXXX respectively so that i get the 2 % discount or at base until XX/XX/XXXX and XX/XX/XXXX respectively otherwise there is penalty 10 % if paid after XX/XX/XXXX and XX/XX/XXXX respectively and of course my account will be delinquent. The supervisor replied that they don't pay interim and supplementary taxes and that they have scheduled tax payment on XX/XX/XXXX, without explaining what exactly are these taxes. After these conversations, I realized that there was a problem of understanding each other. I was trying to avoid any mishandling of my case that's why I decided to sent another email with all documented evidence on XX/XX/XXXX and a reminder on XX/XX/XXXX and I even copied the people from XXXX XXXX XXXX involved with my loan process. Up to now I haven't got any response from the supervisor even if I called the roundpoint mortgage on XX/XX/XXXX to see if there was any update concerning my case. I am in a situation that I'm not treated fairly at all and the terms of my original loan are not any longer valid with the new servicing company. I am a new XXXX in the USA and I need your help because I don't know what else I can do for my case. It is totally unfair that I'm being es-crowed and at the same time they ask me to pay taxes that I have already paid. It is also unacceptable the way they behave to me as a customer which bring me to point to know my rights and if possible to get my escrow account in my hands and handle all these responsibilities in time. I would appreciate your support and guidance and I do apologize for my English mistakes in my effort to be as much descriptive as possible. Thank you very much for your understanding and support.
01/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55082	Web
1. Mortgage was purchased by RoundPoint on XX/XX/XXXX. I mailed a payment to the previous loan servicer on XX/XX/XXXX. When I spoke to RoundPoint, they stated payments made to the previous loan servicer would be transferred to RoundPoint and the date of payment posted to the account would be the date the previous loan servicer received the payment. RoundPoint posted the date of payment as XX/XX/XXXX. I spoke with them on the phone and was told to send documentation regarding the timing of my payment to XXXX, which I did on XX/XX/XXXX. I received an automated reply that they had received my email, but nothing more. 2. Made my second payment directly to RoundPoint in the same manner I had been for the year and a half prior with the previous loan servicer. I utilized my bank 's bill pay service, which cut a check and mailed directly to RoundPoint on XX/XX/XXXX. The check was cashed on XX/XX/XXXX and the payment was not credited to my account until XX/XX/XXXX. I had auto bill payment set up with the previous loan servicer, with the same mail date of the XXXX of the month ( earlier if it landed on a holiday or weekend ) and the latest it posted to my account was the XXXX of the month, consistently. I called RoundPoint and was told by a representative that I needed to set up an ACH in order for the payment to be posted to my account sooner. When I asked why this exact same process worked for the last service provider and the payment was posted on the XXXX or XXXX of the month, I was simply told that I needed to set up an ACH. I also asked why the money was withdrawn from my account on the XXXX and still not posted until the XXXX, the RoundPoint customer service explained that was because the deposit was done by a computer on a Saturday and it wouldn't post until the next business day. I explained that I would be taking this further to the CFPB and she offered to set up a call with the internal consumer advocate team and they would call me by XX/XX/XXXX. I still have not received a call or VM. 3. In addition, my homeowner 's insurance was not paid until I was notified that the bill was past due and called. RoundPoint did make the payment within a couple weeks of my request. 4. Currently my property tax payment is also delinquent ( just found this out today by looking at the county records online ). RoundPoint stated that they will start the process to pay the XXXX taxes and all late fees, but it will take several weeks. They also stated that they do not have any record that taxes were owed in XXXX. It feels as if this company is severely understaffed and took on way more mortgages than their staff could handle, but won't admit to the problem and correct the errors along the way. Instead they turn it on the consumer as if the above stated issues are my problems.
07/17/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 30115	Web	Older American
This would be " Part II '' of my complaint. I have submitted XXXX regarding my prior mortgage company XXXX XXXX. My mortgage company, XXXX XXXX XXXX, sold my loan to Roundpoint Mortgage. Since Roundpoint has had my loan, they have insisted that I am in arrears due to money owed with XXXX XXXX. I was caught up with my payments with LenderLive ( although apparently they beg to differ ) but can not get them to communicate with me or Roundpoint and this should certainly been done by now. My biggest problem with Roundpoint is that they are trying to charge me late fees for this Lenderlive problem. I have since paid the XXXX while I am trying to straighten them out the problem but it is not my debt or error. I paid all of my mortgage payments!! The other problem is Roundpoints awesomely BAD customer service. I have called several times and each person I speak has been very nice but has NO idea of my true loan history is with them. 1 ) Their bookkeeping is very confusing. I call them to discuss this past due amount that is hanging out and they tell me something different every time. First that I NEVER paid XXXX in XXXX ( but I did ) ; once they told me I never made an XXXX pmt to Roundpoint ( but I did ) ; they told me that I have only made 2 payments ( when I have made 4 ). When the last lady I spoke to said that, I asked to speak to her supervisor who kind of straightened things out - she said I had a nonsuffient funds on XXXX I tried to pay. I said I had plenty of money in the bank then. I asked her which of my accounts they submitted it to and she said my XXXX XXXX XXXX ACCOUNT a bank account which I have NEVER had ( yet I did receive an email confirming my transaction was for the correct account and correct bank so why did they submit it to the wrong account????? ). She took off the late charge with the agreement that I would pay the XXXX with another account. Which was " nice ''. Upon hearing this, I made another payment for the XXXX NOT because I owe it but because I do not want to have to contest late payments in addition to everything else and I do not want to ruin my credit. I do try to look up my Roundpoint account online to check my payments but the only thing they have posted ( as of today ) is attached ( for XXXX/XXXX/16 for XXXX - the nsf XXXX that does not even show up ) ; payment for XXXX for XXXX and payment for XXXX for XXXX. I CAN NOT SEE ANY OTHERS OF MY PAST PAYMENTS. At least they do answer their phones but 99 % of the time they have the wrong information. I am attaching a copy of my LAST XXXX XXXX mortgage statement and a copy of the FIRST Roundpoint mortgage statement I have. Maybe you can see what happened during this transition to make me incur this XXXX debt when it was transferred. Can you help me please? Thank you! XXXX XXXX
02/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC XXXXX	Web
We submitted a complaint about RoundPoint Mortgage last week about them not paying our property taxes and miscalculating our escrow despite concerns from us. We need to add to this complaint as more information and mistakes was discovered since then.. After requesting an escrow analysis, which we still havent ' formally received, they called us and started saying we would owe about {$600.00} more in monthly payments. Yes, that is correct {$600.00} more!! with no clear explanation nor written proof. After some digging on our end, and making math we realized they never paid any single of our PMI premium. They were not even aware of it, or at least didnt tell us and were not transparent about that. So now, this is what Roundpoint is trying to do : - they want 17 months worth of PMI so they can reinstate the insurance ( {$1800.00} ) - they want 2 months of escrow cushion ( {$1200.00} ) since the escrow is now to almost XXXX This is not required, even less when no further major payment will be due until XX/XX/XXXX ( hazard insurance ) and taxes XX/XX/XXXX/XX/XX/XXXX. - they want to cover {$700.00} of gap since $ from our XX/XX/XXXX andXX/XX/XXXX monthly escrow payment were used toward XX/XX/XXXX property taxes - and lets not forget the {$1200.00} of tax refund we are not getting in our tax return because of their mistakes. - also, our taxes still show as unpaid on the XXXX county website .... the money is out of the escrow, and they claimed they paid, but again I will only believe it when i see it. This company is a fraud. Reviews online are horrific! we talked to a lawyer today to help us on how to move forward. Apparently it is not the first time they hear from RoundPoint at all. How is a company like that still running? We never talk to the same person, each time, we have to re explain everything, and they have to talk to their third party team. They know nothing. We have mailed a letter of error for the taxes, we have emailed and sent multiple messages through their message center - we got absolutely NO written answers from them. Zero. We get phone calls from different supposedly managers. We waste time and nothing is formal or clear. They did not even know they didn't pay PMI which is a requirement of our loan to protect THEM! And now they want this money back from us? We will be making noise about this. This is all unacceptable and stressful. I am XXXX XXXX XXXX and we are a one income salary. We do not need this kind of stress right now. nobody does, but even less. We will sue if we need to and if reasonable resolutions are not made. We also will not longer be responding to their phone calls. We expect every further communication in written and will not make any additional payment other than what wec currently pay until this is resolved.
11/29/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OH 44685	Web	Older American
My mortgage fell behind due to loss of my job in XXXX XXXX. I was provided a settlement offer on XXXX XXXX in which I wired the amount requested to reinstate within the time they had given me noting that the next regular payment would be due in XXXX. The house went into foreclosure on XXXX XXXX XXXX the letter was dated XXXX XXXX XXXX and funds of {$2000.00} were requested via wire transfer by XXXX XXXX. The funds were wired on XXXX XXXX XXXX in the amount of {$2000.00} to Round Point Mortgage Servicing Corp. They sat on the funds until XXXX/XXXX/XXXX when the wire was transferred back into my account. In XXXX of XXXX a letter was then sent stating they put the incorrect year and amount for the reinstatement. Since then I have spent months trying to get to get this loan through mitigation and a package complete. They mail letters that take XXXX days to arrive and in XXXX the sheriffs sale notice was served. I have called in every other day since XXXX trying to get a complete package for review. My initial application was submitted on XXXX/XXXX/XXXX to Roundpoint. I have spoken with at least XXXX different reps and only twice to the rep assigned to my loan. I am now hoping that they can complete their review in time to stop the sale on my house XXXX/XXXX/XXXX. I have been in my home since XXXX and never have I ever encountered a mortgage company that could not provide service quickly and accurately. Half the time I send email and only half of a 30 page pdf is received I have resorted to adding all of the folks I have talked to plus the mitigation email address on the submission in hopes that one of them will actually process all of the paperwork. You can not get management on the phone even if you request to talk with someone. I have gotten ONE returned call out of 8 requests. My mitigation package was noted as complete finally on XXXX/XXXX/XXXX after months of re submissions and letters of explanation or reapplication due to expiration of previous application. This has and still is an ongoing nightmare and as of today XXXX/XXXX/XXXX they can not tell me if I have been approved for anything and they can not guarantee that my home will not still be sold on XXXX/XXXX/XXXX. There is no escalation process for review and I have been told that on at least a dozen occasions now by the reps at RoundPoint. Due to the systems and process that they ( RoundPoint ) have in place I fear that I will lose my home on the XXXX of XXXX and have nowhere to turn for assistance other than an attorney at this late date. I have never had anyone take this long to review and approve loan information. This is deplorable and I feel that because there is equity in my home that I am not being pushed through because they stand to make more money on a sale than I currently owe.
06/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NE 68116	Web
Our mortgage was sold to Roundpoint within a month of our closing XX/XX/XXXX. On XXXX XXXX, XXXX we experienced a significant hail/wind/rainstorm overnight which resulted in approx. $ XXXX in damages to our home. After our insurance company had an adjuster do a review, and a contractor did the same, I contacted Roundpoint to discuss the procedures for having the repair check ( which was made out to them as well ) endorsed - I was emailed a document showing the lengthy requirements to fulfill in order to have them endorse and return the check. I was also told to send the check via overnight mail with a delivery confirmation, and to include a pre-paid return overnight envelope, which I did. The check was mailed to Roundpoint on Tuesday XXXX XXXX at XXXX PM and was signed for by XXXX XXXX from Roundpoint at XXXX on Wednesday XXXX XXXX. Roundpoint Mortgage then deposited the check for $ XXXX+ into their banking account on Friday XXXX XXXX. I contacted Roundpoint Customer Service on Monday XXXX XXXX and after 33 minutes on hold was informed that the check was " ... being reviewed for approval and processing. '' On Wednesday XXXX XXXX, after 66 minutes on hold, I was informed by XXXX XXXX that the check had been processed and mailed on Tuesday XXXX XXXX, and that it had been mailed in the prepaid, overnight envelope. I informed XXXX that the USPS was not showing it in tracking - she then informed me that it had gone out late in the day, so may not yet. On Thursday XXXX XXXX, the XXXX software still had no record of this envelope so I placed another call to Roundpoint - spoke with XXXX ( sp? ) and was informed that the envelope had been mailed on Wednesday XXXX XXXX. XXXX was unwilling to discuss the discrepancy and placed me on hold until the call was disconnected by the system. Upon calling back I spoke with XXXX who placed me on hold for XXXX minutes while attempting to put me in touch with XXXX XXXX again. XXXX kept me on the call for over 80 minutes more. She told me that she personally spoke with XXXX XXXX, the Correspondence Supervisor, who told her that the envelope had been delivered to the local postal station, by hand, and had been placed into " ... a bin in front of the counter ... '' at XXXX on Wednesday XXXX XXXX ( the different mail times point to the lies referred to earlier ), and that, at the time of our discussion ( XXXX CST ) " ... the post office must not have checked it in yet. '' 2 hours later, XXXX CST, there is still no evidence of this document having reached the USPS facility as stated. It is my belief that Roundpoint Mortgage is deliberately delaying the disbursement of these funds in order to utilize the $ XXXX+ for financial gain, and every day that we are without these funds we are delaying necessary repairs to our home.
09/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 084XX	Web
Following a transfer of my mortgage to RoundPoint mortgage from XXXX XXXX XXXX, RoundPoint Mortgage 's took an excessively long turnaround time to remit payment of my flood insurance policy to my insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX despite being contacted multiple times by email, fax and mail. XXXX XXXX contacted RoundPoint Mortgage by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies. Due to the excessive delays, the net increase cost for the policy was {$1300.00}. This was due both to their inability to properly receive transfer of my mortgage and their excessively long time to remit payment to my flood insurance company, despite multiple, documented attempts via email, phone and fax. I am demanding RoundPoint mortgage cover the full {$1300.00} difference due to their failure to properly transfer my mortgage and handle their requisite responsibilities. Full timeline : XX/XX/XXXX : Mortgage transferred to RoundPoint from XXXX XX/XX/XXXX : through XX/XX/XXXX : RoundPoint failed to transfer policy information from XXXX XX/XX/XXXX : 53 days after transferring my mortgage, RoundPoint mortgage contacts my insurance company to retrieve policy information XX/XX/XXXX : Homeowner and Flood policies were amended by XXXX XXXX to reflect RoundPoint as the new mortgage servicer. XX/XX/XXXX : A copy of the expiring flood policy and flood renewal bill were uploaded to RoundPoint Mortgage with instructions for the bank to remit payment directly to XXXX XXXX XXXX. XX/XX/XXXX : XXXX XXXX received a voice mail message from XXXX at RoundPoint Mortgage acknowledging receipt of the flood bill for the XXXX to XXXX term and requesting verification if the payment was still due. XX/XX/XXXX : Once again, XXXX contacted RoundPoint Mortgage and verbally confirmed with them to remit payment immediately to XXXX XXXX. Another copy of the bill was faxed to RoundPoint Mortgage per their request. The check for {$690.00} was not received by XXXX XXXX until XX/XX/XXXX which is outside the grace period. XX/XX/XXXX : XXXX contacted me explaining that RoundPoint 's multiple failures and delays throughout this process, despite being contacted multiple times both by phone and email, resulted in the grace period expiring and a re-write of the policy being required. As required by FEMA, the new flood rating methodology that became effective for all FEMA flood policies resulted in the same policy increasing from {$690.00} to {$2000.00}. XXXX XXXX contacted RoundPoint Mortgage multiple times by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies.
09/25/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33463	Web
After refinancing my mortgage in XX/XX/XXXX with the company, I was making payments that should have been escrowed for taxes and insurance. Unfortunately they did not set up the escrow account. I had no knowledge of this until XX/XX/XXXXafter my had had suffered damages from hurricane Irma. When I called my insurance carrier they said I did not pay the premiums and therefore I am not covered. I immediately contacted my mortgage company the agent that wrote the policy and my mortgage broker. The employees of my mortgage company tried to tell me o was responsible for the house not being insured. I continue calling them until I found someone XXXX XXXX who was willing to listen and research what had happened. Because the house was not insured, the mortgage company placed a forced placed policy on the house that had a ticket price of over {$8100.00}. I continued calling my mortgage company and had no success. After much research into the company I was able to find the names and email address of management and emailed them and the consumer ombudsman. I decided to email them of my problem. Two months later in XX/XX/XXXX I received a call from an XXXX XXXX who identified himself as the owner of the company. I was also in communication with an XXXX XXXX. I was told that I should not be held responsible for the lack of action on the part of the company and would not be responsible for paying the forced placed policy. I was billed for over {$6700.00} putting my escrow account in the negative as a result. The mortgage company had scheduled an assessment of my damages and it came up to {$10000.00} and change. After numerous emails and phone calls to the mortgage company I got them to agree to give me the difference of what my deductible and the $ XXXXso I can get the repairs done and secure my own insurance. The approval of the checks took months, thus delaying the repairs and my ability to secure insurance so the forced place policy that did not cover me and my belongings could be removed. They sent the check in XX/XX/XXXX for a little over {$3100.00} I worked with a general contractor for the repairs done and obtained insurance in XX/XX/XXXX. I do not think it is fair that I should pay the {$6700.00} and change for the premium since they initially agreeed it was their mistake. And now I am in touch with XXXX XXXX and she said that was never agreement made. She is claiming the {$3100.00} check was to help with insurance when that was solely for the claim that was processed for the repairs. I told her if my original policy would have been a set amount I understand I needed to pay that bill me for that but the mortgage company need to own their part in the fiasco. I should not pay for their mistake. I would like a refund for the forced placed policy.
06/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30327	Web
Dear CFPB I have requested from Roundpoint Mortgage Servicing Corporation [ RPMS ] an audit of all credits and debits to include new monies in the amount of {$21000.00} added after the loan modification. I have made this request on several occasions dating as far back as XX/XX/XXXX. RPMS finally replied on XX/XX/XXXX, but RPMS continues to refuse to account for new monies in the amount of {$21000.00} added after the loan modification with XXXX XXXX was approved. I have been in discussions with XXXX XXXX, employee initials XXXX, at XXXX XXXX. XXXX XXXX was the original loan initiator on XX/XX/XXXX and XXXX XXXX stated that ALL information pertaining to this loan was transferred to RPMS. Here is a recap : Original loan date and amount XX/XX/XXXX {$410000.00} 12 month forbearance period ( XX/XX/XXXX ) with XX/XX/XXXX Loan modification approved after 12 month period by XXXX XXXX Loan transferred to RPMS at the end of the forbearance period on XX/XX/XXXX * {$10000.00} paid during forbearance period at $ XXXX/month Interest paid for XX/XX/XXXX was {$12000.00} Interest paid for XX/XX/XXXX was {$6300.00} Loan balance when transferred to RPMS was {$400000.00} New money in the amount of {$21000.00} added after XX/XX/XXXX Current Principal balance {$32000.00} ( I have paid off more than 90 % of the principal amount ) Amount in dispute {$21000.00} plus interest Quick math : The forbearance period was 12 months One years interest is approximately {$12000.00} ( XX/XX/XXXX ) The interest paid in XX/XX/XXXX was {$6300.00} Roughly {$6400.00} in past due interest Late fees and penalties waived by XXXX XXXX during the forbearance period The attached documents from XXXX XXXX will confirm the quick math and do not show a {$21000.00} in `` delinquent interest ''. In the letter dated XX/XX/XXXX, XXXX XXXX XXXX, RPMS SR Vice President, response states it is delinquent interest but refuses to provide a detail audit of this amount in addition to all payments received during the forbearance period. I have been requesting this audit since XX/XX/XXXX. I understand my signature is on the loan modification documents but RPMS still has to give me a detailed audit of the {$21000.00}. I noticed this amount shortly after I signed the loan modification documents and questioned it immediately there of back in XX/XX/XXXX to which I was told it would be corrected. Understand that {$21000.00} plus interest is a large amount which a homeowner would not ignore ; much less a questionable practice like this one from a financial institution. My attempts with RPMS to correct this issue have been in vain. RPMS shows it's arrogance by refusing to provide a detailed audit of these so called " delinquent interest '' and all payments received. Respectfully,
11/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92019	Web
I was sent a letter XXXX 2015 shortly after roundpoint started servicing my new mortgage. They were saying that I did n't have proper insurance for my condo so I sent the a copy of my XXXX policy and the associations master policy. I was assured by my mortgage originator that the coverage passed underwriting and was within XXXX guidelines. When calling to follow up with roundpoint I was told that the fax went to a central location and it would be days before it was fixed. I never heard anything back until moths later getting another letter stating that they were forcing me to use their insurance company since I did n't provide proof of insurance. At that point I got my mortgage originator involved and we sent the proof to the fax number provided from HIS office and got confirmation of delivery. Then about a month and a half later on XX/XX/XXXX I was notified that I was charged {$1900.00} for insurance which is an unbelievable number since my insurance is slightly over {$30.00} per month and the dwelling ( condo ) is covered by the HOA with a XXXX dollar policy. Now unfortunately I am stuck due to the servicing violation at the hands of roundpoint mortgage servicing because my impound account is in the rears. After multiple attempts between XX/XX/XXXX and now I have tried to contact them by phone and get the run around. They can never give me a manager on the phone and keep telling me that there is nothing that can be done. I have multiple emails showing that I scanned and emailed them and faxed the proof of insurance and it has now cost me tens of thousands of dollars.. That sounds like a stretch as my damages might seem like they should be {$1900.00} for their forced insurance that was n't needed or legal so let me explain. A few weeks ago mortgage interest rates had dropped to the lowest point of the year. Unfortunately I could n't take advantage of a refinance because the balance on my impound account is now at a NEGATIVE {$1500.00} so in addition to the closing costs I would have to pay the negative that was caused by their fraudulent insurance and enough money to establish a new impound account which should have already been in mine and carried over. The difference between my current rate and the rate I could have received when they dipped when amortized would have been tens of thousands on top of the fact that they will be raising my payment on a FIXED loan to cover their insurance. I have gone through all of the standard protocol up to this point and have no other option to ask for your help in this matter. It seems that if I am having these issues with this company others must be too and they should be audited and forced to pay ACTUAL damages plus penalty for almost on purpose overcharging and abusing consumers.
12/30/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85233	Web
RoundPoint Mortgage failed to pay my Insurance through Escrow for almost 2 months. About a month after closing, we needed to switch insurance policies from Landlord insurance, to regular property insurance because the seller was renting back the house for a month. This is standard operation for those who have post-possession clauses in their contracts. We canceled and switched policies on XX/XX/XXXX. We received a refund check for the leftover balance on the insurance account. My mortgage agent at XXXX said that at this point since my first payment was to be made with RoundPoint, that I must deposit the refund into the new Escrow account held by RoundPoint. This was done on XX/XX/XXXX. I then informed the insurance company of the updated mortgage company, and informed RoundPoint of the insurance policy # and the billing information ( this was slated to be officially switched over on XX/XX/XXXX - our first mortgage payment ). The insurance company then also billed RoundPoint for the Insurance balance through Escrow. Two weeks passed by and I am getting calls and emails from insurance saying that the premium has not been paid yet. This is strange, as I informed both companies of the updated information. I called RoundPoint, who confirmed that they are 7 days delinquent on the insurance payment. We conferenced in the Insurance company also, who provided an address for RoundPoint to OVERNIGHT a payment to. This was sorted out and we ended the call with RoundPoint confirming that the payment was slated to be over-nighted to the insurance company. About a week later I had submitted a request to close the Escrow account because I was frustrated with the Mortgage company not being able to do their job properly and decided it was better for me to just pay taxes and insurance myself in the future. Again, 2 weeks passed and I am still getting notifications that the homeowners insurance premium has yet to be paid. This is strange, as the overnight payment should have been applied by now. I also noticed online that the Escrow balance has not changed, showing that either XXXX has not received the check or it was never sent. I called XXXX and confirmed with them they have NOT received the payment. I called RoundPoint and at this point they said there was nothing they could do because they already cut a check for the balance of the Escrow account to me. However, the insurance payment should have been sent 2 weeks ago, so not sure why it never got sent or received by XXXX. I ended up getting the money from the Escrow balance and paying the insurance premium myself since RoundPoint seems incapable to handle this feat. Which is surprising since this is something that a mortgage servicing company should be doing on a DAILY basis.
02/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 46112	Web
On XX/XX/XXXX, we closed on a new construction XXXX XXXX house. Our original loan was through XXXX XXXX, which is a part of XXXX XXXX. Our loan was sold to RoundPoint Mortgage shortly after closing on our house. On XX/XX/XXXX, an escrow analysis was performed. We received the escrow analysis statement letter on XX/XX/XXXX. Upon opening the letter, I noticed that our mortgage payment was going up 134 % from {$1500.00} to {$2000.00} due to a shortage that was calculated from an incorrect entry of the estimated taxes. The taxes on the property will be approximately 1 % that is paid out in two annual payments. This information was clearly provided by the original mortgager in the closing paperwork but was incorrectly entered into RoundPoint systems. On XX/XX/XXXX, upon receiving the escrow analysis statement, I immediately called into the support number at RoundPoint Mortgage. The person I spoke with said that they would schedule a new analysis. I was told the analysis would be completed XX/XX/XXXX. I have since called in several times to get an update on this new escrow analysis, but there has been no update. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - there are no updates. On one of the calls, I was asked by the person I spoke with if I had a tax statement that I could send them showing the taxes on the house - to which I responded, this is a new construction home and has not been assessed yet. RoundPoint should know that this is a new construction house and has not been assessed yet. They should further know that making changes to the escrow in this fashion given the details of the mortgage is irresponsible. Given that it is more 30 days since I originally contacted RoundPoint in regards to this error, they are now being negligent in this issue and I will be reporting this to the Consumer Financial Protection Bureau. Additionally, because RoundPoint does not accept any payments less than what they deem to be the full amount, I am unable to make my normal mortgage payments until this gets resolved as I don't have $ 500+ that they have increased my payment to. I am concerned that this will not be resolved during the grace period to make my monthly payment. I was also told by the people I spoke with that there is no way to directly contact the part of the organization that does the analysis. They additionally told me that they don't have direct connection to this part either, all they can do is email them. How is this an acceptable practice that there's no direct contact with the part of the organization that performs the analysis and the homeowner is subject to whatever is decided and has no active way to resolve the issue - which I am attempting to do.
08/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30265	Web
Dear CFPB Representative ; Is there anything we can do about bad service from a mortgage company? I am writing to complain of XXXX errors that have occurred in the servicing of our loan. The XXXX XXXX errors have been with the application of XXXX of my payments. Every payment that I mail includes a payment voucher clearly stating the normal mortgage payment plus any additional payment details. On XXXX different occasions over the last year, my payments were erroneously applied totally to principal rather than to principal and interest as required. Each time, I had to call customer service and point out the error and how the payment should be corrected. I was told by customer service, that if I wanted to avoid future errors, I should go online to input my payment amounts to their system. I think going on-line should not be necessary when I complete the company provided payment voucher and send with my check. In fact it feels I am doing a Roundpoint employee 's job. The last error was a Roundpoint over-payment from my escrow account for the dwelling insurance. The Insurance Company sent a bill to Roundpoint for {$730.00}. Roundpoint issued a check to XXXX XXXX for {$1700.00}. This error actually paid out more money than the escrow account contained! The estimated insurance amount was only {$930.00} dollars, but almost XXXX that amount was paid out with no alarms. I spoke with XXXX ( processor code XXXX ) in customer service and XXXX ( insurance department ) regarding this error. They were not able explain how this error could happen nor if there were any procedures in place to avoid these errors in the future. After depositing the refund check from the insurance company, I have mailed a check for {$1000.00} to fund the escrow account. The current Roundpoint statement ( copy attached ) still shows an escrow shortage as they had not received the {$1000.00} check at the time the statement was printed. I have no confidence that this error will be properly corrected by Roundpoint, nor do I have any confidence in any of their balance calculations. In addition, I am angry that Roundpoint customer service has been outsourced to the XXXX! It is always difficult to resolve an error but then to try to explain issues to someone who can hardly be understood because of such a strong accent is frustrating. I am horrified that my confidential information is in a location where the security is questionable and accessed by people who are not subject to the judicial system of the United States. I have been a homeowner since 1986 and never experienced such errors from a mortgage company. Is there anything I can do to insure that this does not continue?
04/19/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33040	Web
We were affected by hurricane Irma in XX/XX/2017. Roundpoint mortgage offered for us to make minimal {$100.00} payments for 3 months. They told me that at the end of the three months, I would have the choice to pay in full, make a payment plan, or request to have the 3 months added to the end of my loan. I was also told emphatically that this would not affect my credit, it would not be reported to the credit agency and I would not receive late fees. In early XX/XX/XXXX, I called Roundpoint to start the request to add the 3 payments to the end of the loan. I filled out the paperwork that I was told to complete and sent it in promptly. We resumed our full payments on the first of the month starting in XX/XX/XXXX and have made each of the subsequent payments in full and on time. The issues that we are complaining about are : 1. Roundpoint has submitted delinquency to the credit agencies resulting in an immediate drop in our credit score of over 100 points. We are due to close an SBA loan any day - this change in credit will likely cancel this opportunity that our business desperately needs. 2. We have been repeatedly charged late fees. 3. This has been the most difficult loan process that we have ever been through. We have had many mortgages in our lives and also work as Realtors and have assisted many of our clients through the lending process and we have never been through such a ridiculous and difficult process. We did the same loan modification with our business mortgage after Hurricane Irma and it was 2 papers to sign and notarize. I have responded immediately to every phone call, letter and email. Roundpoint has asked for a new and different list of documents on nearly a weekly basis for over 4 months. I have provided them each time with what they have asked for. But every time, there is a new list. Most of the staff at Roundpoint is now sympathetic when we speak and can not understand why they are asking for things that I've sent, or more documents. These staff members are in shock themselves, and always promise to help me resolve this. And then I never hear from that person again. We need to have our file submitted to their investors, but they will not or can not submit it because there are " missing documents ''. Yet every time I spend hours getting more missing documents, there is a new list the following week. Now they are selling our Mortgage on XX/XX/XXXX and I'm told the process will start over. I have done everything they have asked over and over again. I am making my payments. I have never been late on any loan payment EVER other that after Hurricane Irman - but then only with permission from the lenders. HELP!
12/17/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77373	Web
I am sending this email to file a complaint about Roundpoint Mortgage persistent negligence in not following up with their customer concerns, lack of knowledge of the customer service reps, and XXXX poor customer service. I received an escrow analysis statement the first week of XXXX indicating my new mortgage payment was going to increase by approximately XXXX month. I contacted RPM TWICE to get an understanding of the escrow analysis and was instructed to send in copies of our tax statements and I also included a copy of our updated appraisal. I immediately faxed as well as emailed the requested documentation so that the re-analysis would be initiated. I was told by XXXX of the customer reps that a re-analysis of the escrow would be done. I also requested to speak with supervisor during BOTH calls because I was not getting an understanding of the analysis and how they came up with the amount indicating the need of an increase of XXXX month. I never received any calls from RPM in reference to my questions. I called on XXXX/XXXX/16 to get an update on the re-analysis and was told it would be completed by XXXX/XXXX/16. I called today ( XXXX/XXXX/16 ) and spoke with XXXX different reps. The first rep was not able to answer any questions in regards to the re-analysis, so I requested a supervisor. I was transferred to a female representative and she immediately proceeds to tell me that I have " utility lien '' on my house. After questioning her about this so called " utility lien '', I had to tell this rep that she was reading our tax statement for our utility district. After speaking for 10 minutes back and forth about our escrow, she proceeds to let us know that no re-analysis was completed. After further speaking with this representative she proceeds to let me know that a 2 month cushion was required in our escrow account totaling approximately {$50000.00}, which is insane. I was under the impression that she was supervisor, but after speaking with her and realizing she did not know how to answer the questions she admitted to not being a supervisor and stated that she was told we requested a U.S. rep. The issue at this point is the escrow re-analysis was never done and I require assistance in getting my mortgage payment lowered. My family ca n't afford to pay XXXX month from {$2300.00} a month. This increase in my payment amount is RIDICULOUS and there is no way that a mortgage payment should increase more than XXXX month each year. I am requesting the assistance of management to look over my account and contact me to discuss options and also to ensure that the figures are correct. My account information is listed below :
12/12/2017	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TN 37043	Web	Servicemember
This is not the first time RoundPoint has taken service of this " loan. '' RoundPoint first took service of this loan on XX/XX/XXXX. RoundPoint, the current servicer, undertook the loan on XX/XX/XXXX. This loan continues to bounce around due to the servicers ' negligence to file the proper documentation with XXXX XXXX. agencies, specifically, the tax accessor 's office and property clerk 's office. Formally, I demand all qualifying correspondence between XXXX XXXX XXXX and RoundPoint to be made in writing to the mailing address provided herein. Only a certified letter sent by me to RoundPoint will reverse this demand. I am making clear my desire to have my mailing address and phone number updated with RoundPoint in writing, because an employee of RoundPoint failed to do so during a phone call made by the employee and subsequently received by me on XX/XX/XXXX at XXXX, which lasted 4 minutes and 52 seconds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX ( cell ) Transfer of Service And History of " Loan '' XXXX - XXXX took service of mortgage XX/XX/XXXX? -XX/XX/XXXX - Transferred to XXXX i. Issued XXXX Cancellation of Debt XX/XX/XXXX ii. XXXX filed on XX/XX/XXXX IRS Tax Forms on XX/XX/XXXX iii. Letter sent XX/XX/XXXX informing me the property taxes were paid by XXXX on XX/XX/XXXX. Sent by XXXX XXXX. Revenue Collections Department. ( XXXX ) XXXX. XX/XX/XXXX - Transferred to RoundPoint i. Agreement to Deed in Lieu of Foreclosure never sent for recording XX/XX/XXXX - Transferred to XXXX XX/XX/XXXX - Transferred to RoundPoint XX/XX/XXXX- 2 Phone Calls made to RoundPoint, established : Loan Number is : XXXX ( call on XX/XX/XXXX at XXXX ). Correct mailing address was given during phone call on XX/XX/XXXX from XXXX. Wasnt updated in the system. Updated mailing address during call to XXXX on XX/XX/XXXX at XXXX. Requested welcome letter. Never received one due to negligence and failure of RoundPoint to update address during phone call made by RoundPoint on XX/XX/XXXX. As seen in the timeline, XXXX issued a XXXX " Cancellation of Debt '' for the entire amount on the lien. This XXXX was filed on my XX/XX/XXXX IRS Taxes on XX/XX/XXXX. XXXX XXXX. shows the property titled in my name and without any lien ; I own the property free and clear of any lien. Given that XXXX, at the behest of XXXX XXXX XXXX, issued a XXXX cancelling out all debt associated with the loan, proper documentation must be filed with XXXX XXXX. agencies properly titling the property to XXXX XXXX XXXX. Otherwise, stop and discontinue further collections attempts and provide me the title to the property located at XXXX XXXX XXXX XXXX, TN XXXX.
11/03/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 435XX	Web	Servicemember
I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to foreclosure.
03/23/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60073	Web
To Whom this may concern, I am writing you and filing an complaint against RoundPoint Mortgage regarding my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Il. XXXX there is a foreclosure sale date set for XX/XX/XXXX set to sell the home my husband, daughter and I currently reside in at XXXX cst I started sending documents to them in XX/XX/XXXX, well before the XXXX days prior to the sale of my home. I have dealt with XXXX other people regarding a loan modification at Round Point mortgage regarding this loan .I spoke to a XXXX XXXX who is no longer with RoundPoint Mortgage who assured me that once the paperwork went through, the sale would be postponed along with the underwriters. I have provided the proper documentation needed to do a loan modification, the hardship letters, the tax information, and bank statementsmedical statements and other personal documentation .I have sent missing documents when they were requested, and in the span of XXXX weeks left messages for someone to call me back to tell me if I was missing any other documents.i received no phone calls until I received a phone call on fri. XX/XX/XXXX from XXXX at RoundPoint mortgage and was told I had a lein against my property from my association that was back from XX/XX/XXXX which I did n't know that was on my property. I then got the information about the lein from the association that day and emailed the proper documents that said my lein was released on sat XX/XX/XXXX. I then got a copy of the release from the association and emailed those documents on XX/XX/XXXX. I also went to the recorder of deeds in XXXX XXXX and had the lein released today XX/XX/XXXX. I emailed this information to loss.mitigation @ roundpointmortgage where I have sent all other correspondence. I spoke to XXXX and he told me the documents were n't shown in the system yet, as it take XXXX hours to get into the system and to call back on weds XX/XX/XXXX which is clearly after the sale date. I have sent all the documents needed in the time frame I have been told that they were needed to be in to ask to stop the sherriff 's sale of my home. According to Roundpoint Mortgage, the paperwork was not received in the time frame they needed. I should then have been told on Friday that there was n't anything more that could be done to stop the sale of my home. I understand my loan was in default and I was trying to do everything in my power to remodify my loan but have been given a run around. I then spoke to a XXXX who is an underwriter at RoundPoint mortgage on the evening of XXXX who told me there was NOTHING that could be done to stop the sale. XXXX XXXX
10/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 974XX	Web
The original servicing lender was great, we made all of our payments with no issues or problems at all, so when my servicing lender switched in XX/XX/2022 without my knowledge & I did not receive any letters until after the switch. My daughter got XXXX a few months prior so we were a paycheck behind on our funds, since I work in a XXXX XXXX, I was automatically quarantined for 14 days without pay when my daughter tested positive for XXXX. So when the XXXX payment with the New servicing lender was due, I called them to let them know my situation. They said we could due a COVID Forbearance, and push that payment to the back of the loan. I did everything they asked me to due during this process. I was told to call them back the following month so they could remove the forbearance and I could make the XXXX payment. I was told by whomever was helping me from the company that I had done everything I was required to do, and now I could continue to make my payments from here on out. So I continued to do so. But now from that time till now, I continue to receive call from them saying that I am a month behind in payments. They are charging me late fees. Then I will talk to another person from there company and they say " oh lets get this fixed '' they tell me whomever helped me in the 1st place didn't complete the Covid forbearance process and that is why I'm receiving the calls. They tell me everything is fixed now and I can continue my payments. Then a few days later they call me to tell me that I am a month behind on my payment and late fees will be added. You can look at my payment record and clearly see I have made every single payment, Except for the XXXX payment which was supposed to be put on the Covid Forbearance and places to the back of the loan. This is my 1st home purchase ever, and Round Point Mortgage that I was switched to without any knowledge, letter in the mail, or phone call, is making me sick. I'm constantly worried I'm going to have my home for closed on all because whomever I spoke place in the 1st place did not do there job to comete the forbearance process. I am sick of dealing with them. I have made every single mortgage payment, with the company before ( XXXX XXXX XXXX ), as well as with the current lender ( Round Point Mortgage ). I refuse to pay late fees or an extra mortgage payment because they did not due there job correctly. I want to get a new mortgage lender but do not know how to do so, since my original lender switched to the current lender without my knowledge or permission. PLEASE HELP ME. Thank you for your time. XXXX XXXX.
01/26/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 085XX	Web
Insurance company issued a check for home repair after a claim, round point mortgage company gave us the wrong address to send the insurance check to be endorsed, twice over the phone, we overnight the check to the address we were provided on two separate occasions, we are then told to expect the check to be returned on XX/XX/11, if not call back, we call back on XX/XX/11 after not receiving the check, and are then told by a supervisor of the XXXX XXXX XXXX, that we were given the wrong address, and the check was mail from the incorrect office address we were given, in TX, to the correct round point mortgage company office in SC, with no tracking, or certified mail. Its now been more then two weeks since round point told us they sent the check from TX to SC, the supervisor, XXXX, has refused our calls and routed us to a customer advocate at the company XXXX, both the supervisor and customer advocate refused to give us a last name as they are the only XXXX, and XXXX at the company the company has told us all they can do is check the daily checks received manifest to see if the check was received, but will not produce any information from the TX office checks received manifest, or provide proff that the check was actually sent from TX to SC, after we were told weeks ago from the supervisor that it was, the only history of the check the company can provide is the tracking information that we had overnighted, and have signature and tracking information from XXXX that round point TX did receive the check, beyond that they refuse to do anything to show any kind of records or make any effort to find the check, and our home has now been destroyed for months, and we are being held hostage by an indifferent mortgage company, who could obviously not care any less because the events described here do not effect them getting their payment on the first of the month, they check is required to be endorsed by the mortgage company because they are supposed to have a vested interest in our property, but it is very clear they do not, and that they will not do anything to correct their mistakes because they dont have to, I have been paying my whole mortgage for months while living in half a home because of round point mortgages indifference. The company has pused us off to a customer advocate who clearly is advocating for the company. This might not be the right place to get help but i am at a loss, and dont know what i can do, the contractors who have handled the original claim need money and have mentioned suing us, for an issue caused and prolonged by round point mortgage.
02/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 967XX	Web	Older American, Servicemember
XX/XX/XXXX : I mailed the proper Roundpoint ( RP ) form to request having my PMI ( Private Mortgage Insurance ) removed. I spoke with RP and they contacted a local appraiser here in Hawaii. XX/XX/XXXX : The appraisal was done. XX/XX/XXXX : Spoke to XXXX at RP ; I hadn't heard from RP, so called them. I was told over the phone : " it is in process, someone will contact you soon. '' I asked how I would be contacted- RP said via my cell or email or a letter. XX/XX/XXXX : I phoned the local appraiser to see if the delay was on their part- it was not. The appraiser had the report ready to submit when someone from RP had called them and " cancelled '' the appraisal. I phoned RP and spoke with XXXX. I wanted to find out why the appraisal was cancelled. I was told there was a note on my file that said : " unable to make contact with homeowner, so cancelled. '' I never received a phone call, email or letter from RP. XXXX, the RP person said she would initiate the paper to " re-instate '' the appraisal, and that someone would be contacting the appraiser and asking them to submit it. I was told someone would make contact with me in 48-72 hrs. XX/XX/XXXX : Phoned RP and spoke with XXXX. AGAIN, I was told she could see all the notes on my file and she didn't understand why it had not gone through yet. While she was on the phone with me she said she was typing the request to get the appraisal that was done on XX/XX/XXXX submitted to RP. AGAIN, I was told someone from RP would contact me in 48-72 hrs with an update. XX/XX/XXXX : I phoned RP and spoke with XXXX. She was nice, sounded young, could see all the notes on my file, but couldn't answer why the request was in limbo, and why the appraisal report was not " uploaded '' to my file yet. I asked to speak with the person responsible for reviewing my PMI-removal request. I was told that person was " not at her desk ''. I asked XXXX to leave her a msg- she said she would. I next asked to speak to a supervisor ; I was nice about it- told XXXX I wasn't mad at her, but at the treatment RP was giving me. XXXX 's supervisor 's name is XXXX and XXXX said he, also, was not at his desk so she couldn't transfer me. I asked her to leave XXXX a message that I would like a phone call from him within 24 hrs. I also asked XXXX to put into my file that I was going to contact CFPB. Hopefully you can help me. I am retired and the PMI amount would help me monthly. I have done my due diligence and my house has gone up enough in the past 15 mos, so that shouldn't be an issue. Thank you for your time.
09/25/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 321XX	Web	Older American, Servicemember
On XX/XX/19 my mortgage with Roundpoint Mortgage Servicing Corp was paid off. At this time I had {$4600.00} in my escrow account. On XX/XX/19 my escrow balance went to {$0.00}. On this day I called their North Carolina office to find out what happened to my money.I was told that they sent me a check for the amount.On XX/XX/19 I again called them because I had not received the check. At this time I was told that they had mailed the check out on XX/XX/19.On XX/XX/19 I again called because I had not received the check.This time I was told that it takes 7 to 10 business days for it to get to me. Since it was the seventh business day since they mailed it I should get it by the end of the week.For the record it does not take USPS 7 to 10 business days to get a piece of mail from North Carolina to Florida.On XX/XX/19 I again called because there was no check. I wanted them to stop payment and send me a new check. I was told that they could not stop payment until 30 days had elapsed. I would have to wait until 8? XX/XX/19 to request a stop payment. However XX/XX/19 was a Saturday and Monday was a holiday so I would have to wait until XX/XX/19. He did give me the check number which was XXXX so I could give it to whoever took the call on XXXX.On XX/XX/19 another call and requested a stop payment and new check.At this time I was told that it would be 2 weeks before I would see the check. They had to make sure that the check had not been cashed and then issue a new check. Today,XX/XX/19, I called because no check. I gave them 3 weeks! The first thing out of her mouth was that it takes two weeks just for the stop payment process. I can stop payment on a check with my bank today. Who are they kidding. She put me on hold to check on the process. Are you ready? She came back and told me that the employee who submitted the stop payment request had not submitted the check number for the stop. The section which handles these requests rejected the request and my ongoing process came to an end. Do you believe this. If I had not called, nothing was going to happen in getting me my money. At this point they have had my money for two and a half months. Im sure they are making money on my money.She submitted the proper paperwork but it is still going to take two weeks to stop payment and another two weeks to get a check to me. This is totally unacceptable. Three and a half months to give me my money. I should be able to charge them interest! The bare minimum they should have done is wire transfer my money to my Florida account ; but they won't.
03/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34286	Web
We took forbearance on our home loan with round point mortgage beginning XXXX XXXX for 3 months after living through category 5 hurricane Ian. Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time while you build back your finances. For most loans, there will be no additional fees, penalties, or additional interest ( beyond scheduled amounts ) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a disaster-related financial hardship. What I am confused on is the part where it clearly states NO PENALTIES. As it was explained to me when I first inquired in XXXX for Forbearance on my loan, I would not be behind on my loan, that it would simply pause my loan until XX/XX/XXXX at which time Roundpoint requested that I re-activate my direct payments which I did. Roundpoint pulled the payment from my account on XX/XX/XXXX as agreed upon. After going through Hurricane Ian and receiving extensive damage to my home I had a second disaster on XX/XX/XXXX where my first floor of my home was completely damaged due to a water leak. My home has been unlivable for more than three months. We have asked Roundpoint to release the most recent check issued in full ( {$20000.00} ) from the second claim, so I can proceed with fixing my unhabitable home. I have owned this property since XX/XX/XXXX ( 10 YEARS ) I have never once made a late payment. I have an extremely high credit score and a very serious financial interest in this property. I have invested a lot of money into the property over the last 10 years to increase its value. If I was advised at the time of inquiry in XXXX that forbearance would put my loan delinquent, I would have never considered it. In fact, I was advised otherwise, that this would only pause my loan. I am currently living in a small camper in my driveway with my XXXX XXXX children, husband and dog, this has been a large burden on my family and by Roundpoint holding payments it will make it very difficult for us to get back into our home timely. Since our insurance company has gone insolvent we now are without the funds to be able to fix our home. Roundpoint refuses to release the only insurance check we were able to obtain for our flood claim before they went bankrupt. We were told they would only release the funds in increments and with an inspection each time. The increments would not be enough to even complete one thing that needs to get done.
04/26/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33033	Web	Older American
HARDSHIP LETTER On the month of XX/XX/XXXX I received a call from Roundpoint offering me a FORBEARANCE PLAN due to Hurricane Irma which happened on XX/XX/XXXX. Roundpoint said that due to my area was declared on disaster this federal plan allowed me to stop paying the months of XXXX, XXXX and XX/XX/XXXX so I can use that money for the expenses caused by the hurricane and those payments would be put to the end of the mortgage. Roundpoint asked me for many papers during the lapse of those three month which I sent. Every month I kept receiving letters of intent of accelerate the mortgage, and every time I received those I called to Roundpoint to remind them that they put me in Hurricane Irma forbearance plan, my calls were received by a different persons not aware of the plan and, after reviewing my file they every time told me that everything was OK and to disregard those letter that were generated by the system and that I would be receiving those letters up to the end of the process. Every time I called I kept asking for confirmation on the conclusion of the plan, in other words I asked for confirmation on the three months would be put to the end of the mortgage and if this situation would not affect my credit and they always said yes, on times even I got comments of not to be afraid. On the month of XXXX Roundpoint call me asking if I would start paying my regular payments, I told them that as it was our agreement and that I was prepared to start making my regular payment, which I have been doing on time every month. Approximately, the XX/XX/XXXXl I received a call from Roundpoint stating that my modification was not approved by the investor ( XXXX XXXX ) and that I have to pay all the amount of three mortgage payments which is almost {$6000.00}, which at the moment I dont have, and if I dont pay my house would be put on FORECLOSURE and I would lose my home. I asked if there are some kind of appeal and they responded that the denial happened many days ago and I only have 30 days to appeal and the time was expired. I did not received any notification of denial! Now I have been asked to make this application for a regular modification which was never my intention from the beginning. I have been pushed to this situation which will remain in my record and probably in my credit and I dont have any other way to fight for my home. This is unfair considering that I have been paying according to the agreement, so from my side I have honored the agreement, however it didnt happened from the other side of same.
01/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29910	Web
On XX/XX/18, I received an escrow analysis from Round Point Mortgage ( RPM ) that my mortgage payment will increase by {$380.00} due to a shortfall in my escrow balance. I quickly wrote RPM a letter on XX/XX/18 stating the discrepancy in the tax figure ( {$4100.00} vs {$1900.00} ) used and why there shouldnt be a need for my mortgage payment to increase as I should have just enough in my escrow. I requested for another escrow analysis on my account. When the second escrow analysis arrived in the mail dated XX/XX/18, my payment was reduced with a wrong tax figure used form a wrong property address while RPM sent me a check for {$1300.00} for a surplus. After several attempts of not getting through to their employee over the phone, I wrote another letter sending back the check on XX/XX/18. More specifically asking why my mortgage payment was left increased but I am receiving a check for surplus. Meanwhile, I was paying extra every month to pay down my principal. So, the extra $ XXXX I paid was applied to escrow instead of principal for my XXXX payment. Conducting a third escrow analysis, the new payment figure ( {$2400.00} ) RPM sent me was not the same as what was showing ( {$2500.00} ) on my account online. Furthermore, I was sent another check for {$500.00}. A representative called me prior to receiving the check that the check was sent in error and I shouldnt cash the check. Upon receiving the third escrow analysis and the check, when I called a rep over the phone, I was told to cash the check but no explanation was given to why there is a discrepancy in payment amount from what the escrow analysis statement showed versus what is shown online on my account. I have requested RPM to use the extra amount of {$380.00} applied to my escrow for my XXXX payment to pay down my and reduce my principal balance as well as a details on why there is a discrepancy in payment amount. I have once again returned the check for {$500.00} and demanded that my mortgage payment shouldnt change nor should I be receiving a check. Furthermore, RPM is still yet to give me a reason why my escrow balance is different when my loan was transferred to them versus what was on my closing statement when I bought the property. It seems RPM and her employees can not conduct an accurate escrow analysis nor are they fit to be a mortgage servicer. I am tired of talking to incompetent employees from RPM nor an Assistant Vice President who is sending me a wrong tax bill for a different property while trying to explain my dilemma.
01/01/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA XXXXX	Web	Older American
I entered a mortgage loan agreement with Roundpoint Mortgage for a short-term loan on an investment property located @ XXXX XXXX XXXX in XXXX, Ga. When the loan became due, the market did not support selling the property, so i sought a loan modification. Surprisingly, this process took well over eighteen ( 18 ) months, with the lender CONSTANTLY requesting updates on paperwork, e.g. my income, account balances, etc. When the modification was finally offered, it was not based on the amount i had owed at the time the loan expired, but included the months of payments during which the loan had been in abeyance. [ Please note that i had continued for the first 6 or 7 months of the process to send my former monthly payment amount ( in excess of {$1200.00} ), but Roundpoint always sent back my payments, saying they would only accept the full loan balance. The result was that at the time of the Modification Offer, a huge amount had been added to the principal, making my monthly payments HIGHER THAN THEY HAD BEEN BEFORE (! ), and i clearly was not able to make these payments. At this point i offered to sign the deed to the property to Roundpoint, but they refused. They said I had to try to short sell the property. Meanwhile, they started FORECLOSURE proceedings. I retained a realtor, and got an offer for the property, but Roundpoint turned in down, stating that the offer must be for {$170000.00} or more. I put the property back on the market, and my realtor obtained a signed contract for the requested amount. Meanwhile, the Buyer relocated to the area of the home, pending CLOSING. [ Please note that foreclosure proceedings ( i believe not in good faith ) had been re-instated ]. THREE DAYS before the scheduled closing WITH THE OFFERED AMOUNT THAT ROUNDPOINT HAD REQUESTED, Roundpoint proceeded with foreclosure!!! This is despite the fact that all along i had agreed to sign the deed to the property over to Roundpoint, & only went through the Short Sale at their request. Their foreclosure disrupted the Buyer, cost my Realtor her anticipated commission, and left me with a credit report reflecting a foreclosure which has worked to my severe detriment since the time the foreclosure was entered XX/XX/2016. I would like Roundpoint to be compelled to delete the foreclosure. I would like my credit report to show a " Deed-in-lieu '' or some other disposition of this transaction that does not have the significant & severe impact on my credit report & my credit score, I will greatly appreciate any help you can give.
06/22/2017	No	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	IL 60628	Web	Servicemember
Purchased home in XX/XX/XXXX, XXXX XXXX XXXX XXXX My husband and I. in XX/XX/XXXX XXXX XXXX XXXX sold mortgage to Roundpoint mortgage XXXX XXXX filded chapter XXXX bankruptcy with XXXX XXXX and included the house. We were making monthly and ontime payments at that time. Two months into bankruptcy XXXX XXXX mailed notice for a motion to modify the Automatic stay that we owed XXXX XXXX XXXX XXXX XXXX XXXX ... ..back pay and we were ordered to pay XXXX $ a month. We ( XXXX ) paid Roundpoint XXXX, XXXX XXXX and XXXX XXXX all at the same time. Within chapter XXXX XXXX XXXX was Paying XXXX $ two months into Bankrupcy Payments automatically went to 700+ a month. We ( the XXXX ) were referred to a Contractor named XXXX XXXX to help resolve this issue. We ( XXXX ) never received a mortgage statement from XXXX XXXX and we have never taken out a second mortgage. XXXX XXXX XXXX which is not an attorney instructed us not to pay anyone because we are a part of predatory lending and deceptive practice. We ( The XXXX are expected to pay two mortgages and XXXX XXXX. XXXX XXXX completed the bankruptcy and has been discharged 6 months ago now XXXX XXXX is coming after us again for back pay which is currently XXXX. Roundpoint is tring to work with us for a modification but XXXX XXXX the " Contractor " has a freeze on my account. Round Point will not speak with Us so that we can ask questions and complete modification. Roundpoint Representive always says " We can only speak with your attorney ''! I never hired an attorney. I had court date on XX/XX/XXXX for case management order. Unfortunately I was late and have to motion back in court so I wont go into default for XXXX $ +. XXXX XXXX ( contractor ) has been paid by Us ( XXXX ) thousands of dollars since XX/XX/XXXX. We are not supposed to be in Forclosure. XXXX XXXX has received monies from us and has not filed montions to support predatory lending or to defend us from XXXX XXXX, and XXXX XXXX deceptive practice. I XXXX XXXX am seeking help because we are apart of predatory lending and deceptive practice. Currently tring to modify loan threw XXXX XXXX but cant speak with Roundpoint mortgage to confirm details. We do n't know who the real mortgage company is? Who received the extra monies with in Bankruptcy, and XXXX XXXX is posing as an attorney and taking money from consumers while sitting back as we go into forclosure. address of property : XXXX XXXX XXXX XXXX XXXX XXXX roundpoint loan # XXXX XXXX XXXX XXXX Loan # XXXX circuit XXXX county court # XXXX
04/30/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22206	Web
On XX/XX/XXXX I closed on a conventional home mortgage for my primary residence. The loan was transferred to Roundpoint Mortgage Servicing Corporation in XXXX, NC for servicing. According to my closing documents, I was eligible to request PMI removal on XX/XX/XXXX ( immediately after the first mortgage payment ). On XX/XX/XXXX I submitted the written request to Roundpoint to remove PMI. The assigned customer service representative contacted me later in the month and stated that I was not eligible to remove PMI because I had not completed the required " seasoning period ''. I questioned the customer service rep over the phone because this did not align with the guidance from my closing documents. I was not able to resolve the issue with Roundpoint at that time and they denied the request. At first I was very discouraged, because I initially believed Roundpoint 's claim that I would have to pay PMI until XX/XX/XXXX ( the automatic termination date ). However, I then began to do my own research and read the XXXX XXXX guidance for PMI removal and realized Roundpoint provided me the wrong guidance. Their instructions only applied to requests based on " current value '', but my request was based on the " original value. '' https : XXXX I wrote again in XX/XX/XXXX ( resubmitted the same written request dated XX/XX/XXXX ) and requested the assigned customer service rep review the XXXX XXXX guidance for PMI removals based on the original value. I got no response. In late XX/XX/XXXX, I re-submitted the same written request dated XX/XX/XXXX to the generic company email inbox, along with the language from XXXX XXXX 's guide ( Section XXXX ). The removal request was approved in early XX/XX/XXXX, but by that point I had already made two additional mortgage payments that included the PMI. I called Roundpoint on XX/XX/XXXX and XXXX to request they refund the XXXX and XXXX PMI payments but they refused. I attempted to resolve this directly with the company but was unable. I am concerned on behalf of myself and other consumers that Roundpoint intentionally created an adversarial process to make it difficult for customers to stop the PMI payments as soon as possible, and impossible to recoup any monies that should never have been paid in the first place. To make the situation even more difficult, I am being transferred to another mortgage servicer starting XX/XX/XXXX, so my assumption is that Roundpoint will refuse to respond to any further communications from me after this transfer occurs.
10/23/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ XXXXX	Web	Servicemember
My mortgage servicer Roundpoint Mortgage has kept me on a treadmill for close to 3 years and despite sending them hundreds upon hundreds of documents over this time has never conducted a review for homeowner assistance options. I have an FHA loan insured by the government and I know that there are programs available to help me. Despite my best efforts Roundpoint has never actually considered me for any of these programs and has now set a sale date of XXXX XXXX. This is very disappointing. I served my country proudly as a XXXX XXXX XXXX for 27 years and am a veteran of the XXXX XXXX. I then worked for XXXX for 37 years and am now retired and on a fixed income. I do n't want to lose my home and feel that Roundpoint is denying access to these programs that should be made available to me. I have owned my home for 15 years and refinanced through XXXX XXXX in XXXX into this FHA mortgage loan. My problems began in XXXX, when my wife XXXX XXXX after a 5 year battle with XXXX. I am retired after working 37 years at XXXX and also served in the military for 27 years. I live on my pensions and SSI and with her passing I was not only emotionally devastated but the household income was literally cut in half. To make matters worse soon after my mother and then my brother XXXX XXXX as well. I was overwhelmed financially and emotionally and ended up defaulting on the mortgage. Shortly after that the loan was transferred to Roundpoint. I eventually got back on my feet financially and began trying to get Roundpoint to work with me to resolve the delinquent payments. Over the course of three years I have been unable to make any progress despite sending hundreds upon hundreds of financial documents to Roundpoint for review. I have the means to afford a reasonable payment and qualify for these programs but Roundpoint has continually kicked the can down the road and set a foreclosure sale date for XXXX XXXX. I have worked with an account manager who has been helpful, but I can never seem to make it to the next step. I feel that Roundpoint is purposely obstructing this process -- my financial situation is not that complicated and I have provided them every document they requested more than once. Yet Roundpoint never moves forward -- they never offered me the option of mediation through the state of New Jersey as required by state law They never provided Occupied Conveyance paperwork for me after setting the sale date. Instead they have thumbed their nose at the rules and marched towards foreclosure.
03/15/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 201XX	Web
I'm currently going through a war on XXXX XXXX and have had to go through 5 XXXXin the past 2 years so my tolerance level for the amount of stress that this has caused me isabove and beyond my abilities. We do not get the best phone reception here. Wepurchased our forever home on our 20th Wedding anniversary XX/XX/XXXX. We hadbeen with XXXX XXXX making our biweekly mortgage payments until XXXX when our loan was then sold to Roundpoint Mortgage. In order to be a part of thebiweekly payment program, you had to have paid a month ahead on your mortgage, so atthe time of our loan being sold : Our next payment due was XX/XX/XXXX. I have a copy of thelast mortgage statement sent to us from XXXX XXXX reflecting this and will attach.When Roundpoint took over our mortgage they insisted we were due for XXXX XXXXpayment. We tried to contact them several times via phone and were unable to get anyoneto understand they had the payment information wrong. Additionally, Our mortgagepayment changed financial amounts when being transferred to the amount we were toldwas due if we did not pay the escrow shortage. ( we have proof we paid the escrow shortageto XXXX XXXX ) We continued to make our biweekly payments to them : for 2 months ( 4 payments ) and in XXXX XXXX we received a letter from XXXX XXXX stating our loanwas getting sold to them and we were due for the XX/XX/XXXX payment. I have been in contactwith XXXX XXXX giving them copies of our bank statements showing all paymentsmade for the 2 years, Copies of XXXX XXXX 1098, copies of the mortgage statements.The response given to us was that they did not start servicing our loan until XX/XX/XXXX andwe would need to work it out with Roundpoint. When we contacted Roundpoint with all ofthis information, who still has not provided us with a 1098 for the 2 payments made XXXX and the 2 payments made XX/XX/XXXX. They advise us they can not do anything as theysold the loan to XXXX XXXX and we would have to work out payment problems withthem as they own Roundpoint now. I've spent hours trying to resolve this on the phone aswell as through email contact. XXXX XXXX is now rejecting our mortgage paymentsbecause they say we are several months behind and have also sent us a letter saying theyhave reported us to the Credit Agencies for nonpayment! Our records show that we are duefor XX/XX/XXXX!! Please Let me know if you are able to help with this horrifying problem and ifnot, whom we should contact. Thank you kindly in advance, Make it a great day.
08/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 077XX	Web
I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again.
06/15/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 757XX	Web	Servicemember
1. Request that all E-mail 's include " RoundPoint and Loan number '' in subject line! This is MY life and my Home I brought my kids and now Grandchildren up. I am active in my community and have NO other DEBT. Home Equity Loan ( HEL ) Fixed Interest, NO Penalties, NOT a HELOC! I seeking the understanding how Roundpoint can charge {$4100.00} over the last 4 month if my payment is {$450.00}? I would still make payments or would have paid the loan off in full, if Roundpoint would not have : a ) stopped honoring my payments, and began to return them to me b ) made a counter offer to my settlement offer after they returned my payments. One may think Roundpoint is seeking a FREE HOUSE! Have I missed payments YES! Why? RoundPoint 's way of being helpful resulted in my case, to a 8 month of delinquency! NOT because I didn't want to pay, but because I was actively talked out making payments. After all we were in a settlement negotiation and should save the payments and apply them to the final settlement! RoundPoint reneged on the settlement. 2. Who and What would be considered a 3 party involvement? Several Settlement offers were send by myself or my legal council ( past council ) to Roundpoint. Mrs. XXXX XXXX ( Customer Advocate ) mentioned, in a phone conversation ( XX/XX/2019 ) that a particular settlement offer was countered by Roundpoint. Mrs. XXXX 's offered to forward Roundpoints counter to my E-mail address by XX/XX/2019 and after she returned from her day off! Still waiting! 3. Request for any and all Counter offers made by Roundpoint in reference to my Settlement offers. 4. Request for Roundpoint to show proof how each money order, mailed by certified mail to Roundpoint, was allocated. 5. Request for Roundpoint to show proof how Bankruptcy Judges order to adjust my account by {$12000.00} in my favor. was allocated! 6. Request for Roundpoint to show how they calculate {$4100.00} if my monthly payments are only {$450.00}? 7. Request for Roundpoint to quit stalling!!! I'm not inte rested in generated monthly printouts but detailed proof that Roundpoint allocated my Payments and honored a Federal ( Bankruptcy ) Judges order! I need RoundPoint to show me where the money I paid went! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Now faith is the assurance of things hoped for, the conviction of things not seen. XXXX XXXX XXXX I can do all things through him who strengthens me.
09/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 935XX	Web
My mortgage was being held by XXXX XXXX XXXX. They sold it to Roundpoint Mortgage Servicing Corporation on XX/XX/2022. I did not ever receive by mail, phone or email any notification of this change. I also did not ever receive a statement to pay my mortgage to Roundpoint. I had direct pay set up with XXXX XXXX XXXX and assumed my mortgage continued to be paid unaware of the sale. I had changed my mailing address from the property address to a po box and had mail forwarding in place and had changed my mailing address with XXXX XXXX XXXX. Since I did not receive notification of this change in banks I unknowingly did not pay my mortgage for XXXX, XXXX, XXXX, or XXXX of 2022. I accrued {$260.00} in late fees and Roundpoint confirmed they reported me to the Credit Bureau for delinquency of payment. Roundpoint sold my mortgage to XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX XXXX sent me a mortgage statement on XX/XX/2022 stating I owed them {$8500.00} to bring my account current ( pay for XXXX XXXX ). This included my monthly mortgage fee + XXXX late fees from Roundpoint. I paid XXXX XXXX XXXX XXXX the full amount due of {$8500.00} on XX/XX/2022 to bring my account current. I first called XXXX XXXX XXXX XXXX to understand how I was so delinquent, they shared they had just taken over my account on XX/XX/2022 and were just billing me what was due on my account. They shared Roundpoint Mortgage held my mortgage from XXXX 2022 and that is where the late fees came from. Until XX/XX/2022 I had no knowledge that Roundpoint Mortgage held my mortgage from XXXX. I called XXXX XXXX XXXX to verify they sold my loan to Roundpoint on XX/XX/2022. They confirmed they did and were able to give me the loan #. I called Roundpoint to get more information and see why I never received a notice or bill from them. They had my correct email, cell number and all mail being sent to my primary address was being forwarded to my po box at that time. They said they sent me the documents and tried to call me numerous times but I have no records of either of these. Due to their negligence I am now 4 months delinquent in paying my mortgage, have a {$260.00} late fee and a complaint against my credit to the Credit Bureau. XXXX XXXX XXXX XXXX ( current mortgage holder ) had no issue contacting me within a week of obtaining my loan using the same contact information Roundpoint has. I have paid them promptly. I had no intention to not pay my mortgage or issue with paying my monthly mortgage.
08/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48021	Web	Older American, Servicemember
In XX/XX/XXXX the United States shut down causing myself and hundreds of thousands of federal employees to go without pay for approx. two pay periods or a month. I contacted my mortgage company and told them I wouldn't be able to pay XXXX 's mortgage and did they have any programs I could get into so I wouldn't show negative on my credit report because I had been working to improve my credit so that I could possibly refinance my mortgage. I was told that there was a program I might be eligible for and all I had to do was send in some documentation. I work in an office where I have access to fax machines and computers so I sent the information in several times and even had co-workers fax it in for me because ( Roundpoint ) my mortgage company kept sending letters that they hadn't received the documents. At one point Roundpoint even told me that they didn't understand the information I had sent them so I revamped that and sent it in. When I began getting frustrated with the stall tactics and the run around I was receiving I attempted to call and once I inputted my account number I was told that there was nothing I needed to do but wait until I was contacted. As the time was passing I continued to send all other payments on time while trying to get accepted into the program, finally three months out I spoke to someone that told me he could see that they had my information but if I followed through with the program my loan would be rewritten and things like the interest could change ; he advised me to find a way to pay the missed month to save time and trouble. By this time it is XXXX and I had already paid XXXX 's mortgage ( on time ) so I made an additional payment to catch up and to eliminate the stress I was going through. Up into this point I was reported as current on my mortgage, however as soon as I made the second payment Roundpoint reported my as thirty days late on my mortgage sending my credit plummeting making years of struggling for nothing. I had the same thing happen in XX/XX/XXXX while applying for a program then, but that incident I just let go. To make a long story short I really need this to be taken off of my credit report, first because it isn't true and secondly because it is unfair for Roundpoint to force me to stay with them through lies and manipulation. I contacted them and requested they remove the negative report and I was told that they were within their rights to make the report even though we had been working on this since XXXX.
04/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 87109	Web
My experience with roundpoint Mortgage has been absolutely terrible. Every time I have reached out to them I never have talked with someone that knows how to answer my simple questions. When I am lucky enough to even talk with a customer service representative, I am given different answers from every person I talk to. It is very apparent that these people have no idea what they are doing, or at least have no intent to actually help you. One particular experience I had with them was when I was trying to remove mortgage insurance from my loan. I filled out the request application and never heard from anyone at roundpoint ( I was told it would be 7-10 days ). After 20 days, I called roundpoint to followup with my application and they claimed they had not received anything. After a number of different calls and customer service representatives, they decided that they had received it and it was being process. At this point I was told it would be another 7-10 days to hear from them about getting the appraisal to finish the request. Again, after not hearing from anyone for 15 days at roundpoint, I called to followup. Everyone I talked to gave me different answers again. I was being told everything from the application had been denied, to they have n't even received the application. We finally got the appraisal scheduled. The evening of the appraisal I called the appraisal to follow up with how it went and the appraiser informed me that roundpoint had cancelled the appraisal. This was big news to me, so I called roundpoint to find out why this had happened. And of course, the customer service representative had absolutely no clue why the appraisal was cancelled and did n't know the appraisal was even scheduled. At this point I was informed that my loan was being sold to a different mortgage company and this was taking place in three days. A longer story cut short, I have paid for an appraisal that is no longer valid. All while I was being deceived to think they were helping me remove mortgage insurance from my loan. So roundpoint got a few extra months of mortgage insurance, over {$600.00} ( this process took a few months, instead of a few weeks like I was told ) and now sells my loan to someone else. It 's not too hard to see what roundpoint was trying to do here. And definitely shows where their priorities are. If there is a way you can avoid having roundpoint Mortgage from obtaining your mortgage note, I would do that!
07/06/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	NY 117XX	Web	Older American
Rounpoint Mortgage offered me a modified mortgage because of COVD. Almost 9 months ago they sent me paperwork to be notarized, my lawyer was my notary. I mailed this second batch of papers to Roundpoint. They lowered my interest to approx. 3 % and told me to pay {$1600.00}. They explained I had a lower interest rate and a 45 years mortgage after a 3 month trial. I completed the trial, as said I notarized the document requested. Every month since XX/XX/XXXX I have paid XXXX the {$1600.00}. They called every month up to XXXX XXXX when I made the XX/XX/XXXX payment. I am XXXX and am XXXX XXXX XXXX, I drove to our mailbox yesterday and received a letter from Rounpoint with a much higher monthly payment than promised. I called and a female transferred me over to XXXX who started yelling you dont answer your phone, we have been calling you. He was very mean repeating the above quote until I burst into tears. I do in fact keep contact with Roundpointnand made the XXXX Payment on the phone with a person who confirmed all is well, I am approved, all is finalized. During this conversation, I find in this giant escrow statement that the loan was no longer in Roundpoint hands. I called the new bank and they told me Roundpoint never finished all of this work. Rounpoint told me too bad, XXXX said the FHA did it, do you just want to keep venting? He then accused me of yelling I was just trying to convey to him that the new bank XXXX XXXX said Roundpoint did not do their job, we see paperwork but Roundpoint didnt file it I was lied to for over a year by Roundpoint XXXX they did not do their job as promised and have a fiduciary responsibility to complete what was promised and asked for a 2 documents, 1 was notarized and sent complete to them months ago. The new bank has the papers from Rounpoint and said they did not do the job, now I must start all over again. I am a very sick woman and cried all day, it is devastating me.Roundpoint did not finish and shocked me in fine print, within a giant escrow statement they sneak in a higher payment and a new bank, no name of bank provided. So, I have a new bank with a high payment and a boatload of lies and admonishments from Roundpoint that I dont answer my phone. Please help me, Roundpoint blamed me? Even though I speak with them monthly and was promised modification 7 months ago. The letter from them is attached, I just opened it today and was attacked by this bank.
04/09/2018	Yes	Mortgage VA mortgage	Trouble during payment process	OK 73160	Web	Servicemember
XX/XX/XXXX : Veterans Affairs accidentally dropped me from their system and I didn't get paid. I am XXXX XXXX XXXX Veteran and Unemployable. I notified Roundpoint Mortgage Servicing about what happened. XX/XX/XXXX : Working with OK XXXX XXXX 's office to resolve my VA XXXX pay issue ; Roundpoint " started Loss Mitigation '', at least that was what they told me. XX/XX/XXXX : I started receiving my pay and made 2 months payments, which one was rejected and the other was sent back to my account. XX/XX/XXXX : I paid another payment, and then received XXXX payment back into my account. I called and found out that they " could not accept payments because they filed for foreclosure XX/XX/XXXX ''. I asked how and why considering I was suppose to be in Loss Mitigation and I had now made 3 payments. She said all she can say is that they filed for Foreclosure on XX/XX/XXXX. I emailed documents that same day for Loss Mitigation, AGAIN. XX/XX/XXXX : Called to check on the Loss Mitigation and then was informed they could not open anything and a letter had been sitting in their system for nearly 3 weeks to notify me of documents they need, but I had already sent. The next day I sent all documents AGAIN, this time Certified Mail to have proof they received them. XX/XX/XXXX : I AGAING had to Certify Mail documents to Roundpoint. XX/XX/XXXX ( Sunday ) : I was served with a Summons for Foreclosure. In Summary : I have been prevented from making payments to force me into default, denied Loss Mitigation, destroyed my credit, and expected to pay THOUSANDS in penalties, interests, and legally fees, which NONE of them would have occurred if they would have done their job in the first place. Roundpoint is in multiple class actions for allegedly putting force placed insurance on escrow accounts and using that money with one of their service writing companies as their " personal funds ''. All of this among many breaches of contract and other suits. I am currently waiting on a return call from a lawyer to handle this situation. If there are any questions, please don't hesitate to call or email me. I have documents, scanned copies, copies of Certified Mail Receipts, names of people Ive talked to at Roundpoints " Loss Mitigation Team '' which have absolutely no idea what their job is. I can not submit documents over a certain amount, I will have to mail copies to whomever requests them. Thank you for any and all help.
01/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 015XX	Web
XX/XX/XXXX i receive a notification from Round Point that there was a problem with the insurance on my home Round Point had bought the mortgage in XXXX of XXXX and did not notify the insurance company of their purchase of the mortgage so the billing and payment were not sent At this time I immediately called my insurance company and a new binder was sent to Round Point to remedy this situation I received my bill from Round Point this month and the payment had increased XXXX dollars per month I immediately called the company and spoke to the representatives They informed me that the escrow had changed because of the insurance The representative XXXX had told me that my insurance had not been paid and that round point had placed forced insurance on me I asked why this was and they stated that they had changed address and never received the bills from my insurance company so they were not paid The representative stated that they had called my insurance company and had not heard from them They also stated that they had sent me letters They also claim they made 1 call but I never received this call This all supposedly happened in early XXXX They also state that they sent a letter but I do not remember ever seeing a letter Admittedly at this time I was recovering from XXXX XXXX and my brother in law died suddenly and we were occupied with those affairs At no did my bill change for the mortgage The bill was paid each month in full on an automatic payment along with an additional amount in case any escows changes The first I have heard of the insurance is when I called after receiving my XXXX bill Round Point placed the forced insurance on the account at a cost of XXXX dollars The cost of the insurance through my insurance is XXXX dollars This can only be considered predatory I spoke with the representatives and the company refused to refund this money despite the customer service reps stating that the problem was caused by round points change of address and not notifying my insurance company The company stated that I had had that insurance on my property for 222 days i did not know because there was no change in bill and no other attempts were made after making no contact in XXXXI offered the company XXXX dollars which would have been the cost of the insurance if they notifications to either myself or my insurance company were received and they refused charging my escrow account over XXXX dollars
07/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WV 250XX	Web
We purchased our home XX/XX/XXXX. XXXX XXXX Roundpoint Mortgage purchased our loan. Soon after we received a letter stating we did not have enough flood insurance and if we did not respond within 45 days they would force place extra coverage. Well our payments went up XXXX more a month. We received the exact same letter same wording and just a date change XXXX XXXX. My husband called our mortgage company numerous times, talked to several people who all have different answers. The fourth day of calling and being placed on hold for 50 minutes at times he finally spoke with a manager/supervisor. He explained what we had received and the manager told him that the issue had been resolved to just throw the letter away/put it to the side. She stated that we were paying the extra XXXX a month for extra flood insurance. She also stated that something was definitely wrong with our file and that she was going to send it to another managers office. We thought the problem was resolved. Still XX/XX/XXXX to be exact, we are flooded. We live in WV where XXXX of the XXXX counties were declared a disaster area. We called our insurance and made a claim. We then called our mortgage to let them know what had happened. While talking with the mortgage company we were told that we only had XXXX in flood insurance. Now mind you we just talked to the on XX/XX/XXXX and was told we had been paying extra for more insurance. My husband asked to speak to a supervisor and was placed on hold for hours at a time. The phone would be answered as if we were calling in for the first time again. We have never spoke to a supervisor to date. Two weeks after the flood we received an advancement check so we could get started rebuilding but our mortgage company told us to endorse it and send it to them to be placed in a file, that they have never heard of an advancement check. The issue with all of this is we have had to spend XXXX out of pocket to make our home livable but not repaired. The total damage to our home alone was XXXX. We only got XXXX to fix our home. As you can see that is not going to cover the damages. So, due to Roundpoint mortgage dropping the ball where our flood insurance is concerned we will not receive enough money to repair our home. We were told the XXXX extra was for extra flood insurance. If it was n't going towards flood insurance they have had our loan for almost two years, why was this issue not fixed?
03/28/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78230	Web
RoundPoint Mortgage/ loan # XXXX Acct # XXXX I am filing this complaint because I believe that RoundPoint Mortgage is reporting me incorrectly to the XXXX credit bureaus as being over 120 days delinquent for over XXXX years. This is very incorrect! I have been over this and over this with XXXX, XXXX, XXXX, XXXX ( attorney in legal department ), XXXX and XXXX while this was all going on. Once I learned they were reporting me for being delinquent in XX/XX/XXXX, I called and spoke with XXXX and XXXX so many times I ca n't remember. The answer was always the same, " let me report this to my legal department and supervisors and get it taken care of ''. This account was bought from the original creditor XXXX where I had a good standing in the early part of the loan. The mortgage company was XXXX. RoundPoint serviced the loan for them after the aquisition. From the beginning, I had nothing but problems as the right hand was not with the left hand between XXXX and RoundPoint. Here is my story- Shortly after I moved into this new home that I built in XX/XX/XXXX, I started having problems with the foundation. Within a year, I had to move out because the movement of the foundation was so great, that it became unlivable. The builder and warranty company were not taking responsibility. They were sued by me. When I had to move out, the lender ( XXXX ) agree to put me in a loss mitigation status and actually pay for legal costs to sue the builder. XXXX put me in a forebearance/loss mitigation status while this was going on and they were paying the loan. I can tell you that the many times I called in to get information or update them with information, they could not find my file, or, it was in the hands of a new loan officer and they could not find information, or, I had to go over the information all over again, etc, etc. Finally, in XX/XX/XXXX, I decided to short sell the home and move on so that I could deal with the legal aspects on my own. This is when I learned that they had been reporting me negatively to the bureaus. I honestly do n't think they know what they are doing or if they do, they still do n't know what they are doing! This needs to be removed or corrected in the reporting procedures. I think it would be best to remove everything since I do n't think they know how to report it any other way. They sure did n't ever seem to know what was going on when it was right in front of them.
04/28/2022	Yes	Mortgage FHA mortgage	Closing on a mortgage	PA 19382	Web
Closing with RoundPoint Mortgage was incredibly frustrating. On closing day on XX/XX/2022, we were very close to not signing the papers as the down payment, monthly mortgage amount, and credits due back to us all had changed from what we originally discussed with them and from the closing disclosure that was provided to us a few days prior. They were lucky that we still qualified for the loan as they had increased the mortgage amount drastically and I was fighting for the house as I did not want to go through the home-buying process again and get a loan with a higher rate ( as they are increasing constantly ). On the initial disclosure, our mortgage should have been {$3600.00} with {$60000.00} down ( including closing costs ) and with a {$4800.00} lender credit. In the closing disclosure provided to us a few days before closing they changed it to {$3800.00} monthly mortgage, {$63000.00} down and {$4700.00} lender credit. When my husband and I found out about this increase, especially in the monthly payment as we originally told them our budget is around {$3500.00} a month, we complained to RoundPoint and they mentioned that they messed up the calculations with taxes and the they were sorry for the error. Apologies were all that we got, no other financial rectifications. I let them know that this is not a small error as this loan is over 30 years and it's a big increase in monthly payment. I also mentioned to them that I better not go to closing and find another increase, and guess what happened, we had totally new numbers that we saw only when we sat down to sign papers at closing. The final numbers were {$3900.00} per month, with {$64000.00} down payment and {$25.00} in lender credits. We felt like we just got scammed- the closing process took 5 hours as we were very upset and we had to run through the numbers with them multiple times so we understood where our money was going and where the lender credits that were promised to us were going. It was possibly one of the worst days of our lives as we had worked very hard to get to the point of purchasing our first home and the experience was an absolute nightmare. Not to mention that they had switched banks in the middle of us applying for the home and by the time we applied with their new bank interest rates had gone up so we lost out on that as well - along with multiple hard credit pulls for the same house.
12/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR XXXXX	Web
For several months, I have attempted to cancel PMI on my single-family residential mortgage with Round Point Mortgage. I have twice been misinformed by RPM personnel regarding the requirements, and today was informed of the denial. Because of the ongoing financial challenges and uncertainties due to the COVID-19 pandemic, I was in the RPM mortgage forbearance plan since the Spring. However, I was able to use my pandemic unemployment and other means to keep my mortgage payments generally current since that time. When RPM offered the plan to me, I was told by that customer service agent " no reporting '' - which to me means for ALL credit reporting agencies. I was NOT told that any 30 day late payments would subsequently jeopardize my loan payment history with " the investor '' ; i.e., XXXX XXXX. That was a booby trap setup by RPM. Notwithstanding the practical challenges of the surviving the pandemic, I made economic choices of balancing payments - mortgage vs credit card balances? - based on the information RPM stated to me regarding their forbearance plan. In addition to keep my mortgage generally current, I knew that I needed to also reduce credit card balances to be able to keep my credit score ( s ) high enough for a successful refinance. I should now be able to reduce the APR by almost half. I was told during a telephone conversation with an RPM customer service agent on XX/XX/XXXX that by making an additional mortgage payment ( for XXXX ), bringing the account current ; and, by getting off of the RPM forbearance plan, I would be able to have PMI cancelled. I had already made the XXXX payment on XX/XX/XXXX. I submitted the required documentation / request as instructed by the XXXX agent, and was told to expect an appraisal soon. My home 's value has increased significantly, so the loan balance -to- appraised value is well below the 80 % threshold, which the agent agreed with based on our views of it on XXXX. Despite this assurances and information provided BY RPM PERSONNEL, I was forwarded the denial letter today as part of a telephone discussion with an RPM " Customer Advocate Specialist ''. The bottom line is that RPM set me up to allow themselves and/or their " investor '', XXXX XXXX, to improperly continue to collect about {$170.00} per month in PMI, despite the fact that I've qualified for PMI cancellation for many months.
03/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91945	Web
XX/XX/XXXX : I submitted for our PMI to be removed XX/XX/XXXX : Our house was appraised by the bank designated XXXX XX/XX/XXXX : Called Roundpoint and was informed our home had depreciated in value and was appraised at {$270000.00}. We bought the house XX/XX/XXXX for {$350000.00} in XXXX XXXX, CA. The market has only appreciated. First person I spoke to said I needed to appeal to the XXXX. Second person said I needed to submit supporting documentation and request Roundpoint to review. Nobody seems to know what's going on. XX/XX/XXXX : Submitted documentation to Roundpoint for review. XX/XX/XXXX : Called Roundpoint and was informed it was still under review XX/XX/XXXX : Received the appraisal in the mail. The appraisal associated with our account is for a property in XXXX, AZ ... not our address! XX/XX/XXXX : Called Roundpoint and was informed the current appraisal value was {$460000.00} as of XX/XX/XXXX. Was informed somehow the PMI request was closed and the representative would send it to his supervisor to reopen. Was informed someone would call me within XXXX hours. XX/XX/XXXX : Still haven't heard from anyone. Called Roundpoint. Representative said the last appraisal they have on file is from our Escrow process for {$370000.00}. But the value is {$460000.00}? Doesn't seem to know what's going on. I ask to speak with supervisor. Supervisor apologizes and says he is emailing me along with their Mortgage Insurance department so that I have his direct contact info. Asks for several days so he can figure this out. I confirm I have his direct line and he confirms. XX/XX/XXXX. Email Super and ask for update. No response. XX/XX/XXXX. Still no response. Call the number he gave me and get the main line. Clearly not his direct line. Email supervisor asking for update, and inform him I will be filing a complaint. Get an automatic out of the office reply. Clearly this is really upsetting, that 1 ) nobody seems to know what is happening and I've had conflicting information throughout the process 2 ) They actually mixed up my appraisal with someone and there has been no other explanation, no initiating communication, 3 ) This has been going on for 7 weeks now and they can't seem to figure this out. 4 ) The Supervisor led me to believe this was his direct line and he has been completely absent other than our first conversation. Is this a scheme?
09/09/2016	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	WA 98373	Web
My homeowner requested to be approved for a short sale on his VA mortgage XX/XX/XXXX after being laid off from his job and also recieving an offer on his property. Later that month we provided the bank Roundpoint Mtg the buyers Good Faith estimate along with a fully executed closing disclosure outlining all costs. the bank countered the buyers offer amount and also was notified in writing that the roof had to be replaced and was given a roofing bid to replace that for the buyer to be able to be financed for the property. The buyer was also requesting that his loan costs be paid at closing from the sellers proceeds. After speaking to the bank several times it looks as if everything was in place for an approval letter. In XX/XX/XXXX the bank requested updated Closing disclosure which included the buyers loan costs again. XX/XX/XXXX they removed the file stating it was not complete but had been since XX/XX/XXXX. I had to start the entire process over and provide them updated docs which i did in a timely manner. The bank stated on XXXX XXXX that they needed an Opt Out letter which they again already had since XXXX XXXX. This was not being processed correctly since i had confirmation that it was sent via email. I did resend them the Opt out Letter again. I asked that the file be escalated since we had been in this process with the same buyer since XX/XX/XXXX. On XXXX XXXX I called and was told that the bank would NOT be paying for Title insurance or the buyers loan costs. Even though they had not requested that either be removed from the last Closing disclosure requested and sent to them on XXXX XXXX. I asked that they revisit these costs as they are typical and standard costs for a short sale and they refused to have either of those costs to be included in the short sale approval. The seller has continued to make mortgage payments and has not defaulted on his loan. I believe Roundpoint mortgage is not representing the seller and is causing a " Sale Fail '' based on their own opinions of what should be approved in this short sale. The buyer can not afford to pay for a new roof and all of his closing costs and the ENTIRE Title fee 's. The buyer will already be paying for half of his own title fee 's and the bank should be paying for the sellers half of Title fee 's. This is a standard and necessary fee to obtain insured Title on the property.
05/16/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77083	Web	Older American
I got sick with XXXX XXXX and things started going down hill for me. I depleted my savings and other ailments also set in. I cant see well and I can not drive and I lost my job after the loss of my sight. I filed for Social Security benefits and that's my only source of income right now of {$1200.00}. I applied for loan modification and was turned down. I applied again and it was the same process. I fell ill again and was in the hospital for about 3 months. Now I can barely walk. Long story short I want to be able to stay in my home and had a friend assist me in filing for the modification again and sent Round Point Mortgage Servicing who is servicing my loan all modification documentation required. They responded that they have all the required documents and my loan was under review. Periodically we'll check to see the status of the loan and it will state still under review. Whilst my loan modification was under review my home was sent for foreclosure, I asked if they can take it out of foreclosure while my loan modification was reviewed and completed. I was told that was not a guarantee the foreclosure can not be stopped it depended on the loss mitigation dept. My loan was scheduled for foreclosure on the XX/XX/2018, I filed for Chapter XXXX bankruptcy on XX/XX/2018 to buy some time for my loan to be modified. I'm attaching the current modification application and status lookup and the bankruptcy order. I am old, ( 65 years ) and very sick, I just want to be able to stay in my home. There's plenty of equity in my home but I can't do a reverse mortgage either, I am short to payoff the loan balance. Please help me, I only want to stay in my home. I am on limited income and it will cost me a lot to get an apartment and pay my hospital bills and prescription. I can afford to pay {$450.00} a month from my SS income. I really need help. I checked the status today and it shows its no longer in active modification, they will not talk to me or my friend because of the bankruptcy I filed by myself, I don't have the funds to pay for an attorney. I just needed some time so Round Point can act on my loan for me. As of now I don't know what is going on or is going to happen. I want to pay, like I did before all these illness started, just don't have enough to cover a full payment. Thank you for your assistance. I pray you can help me. XXXX XXXX
08/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10541	Web
So this is my complaint # 3 regarding Round Point Mortgage Servicing Corporation since i never gotten fully explained responses and provided numbers - only partial dismissive responses. So on XXXX I've sent following email to RoundPoint : Good afternoon, Mr. XXXX I just received the respond to my complaint to you and CFPB on my request to update the escrow monthly payment. Your respond contains 3 pages, The first page info that you DID adjust the amount from {$2800.00} to {$2800.00} per month. The second page disclaimers The third page very general payment history. You didnt send me detailed escrow analysis for which I asked in my complaint! You didnt send me updated monthly Mortgage Billing Statement for which I asked! You didnt send me a check to cover the difference that I have overpaid in XX/XX/XXXX, which would be : {$2800.00} {$2800.00} = {$25.00}! I ask for the prompt respond to these 3 abovementioned requests, because ignoring my requests will prompt me to complaint yet again 3rd time to Consumer Financial Protection Bureau. Please correspond in writing so I have a copies of your responses if further need for such arises. XXXX XXXX loan # XXXX / complaint # XXXX Nobody contacted me with this letter which is no surprise considering their luck of customer service there. on XX/XX/XXXX I've sent the following email to RoundPoint : Good morning. I did receive the new Escrow Analysis Statement, but TABLE 2 Escrow Activity History, on the back has just one line beginning balance - {$3900.00}. I would like to know how did you get this number I do need the whole history printed from the beginning, from XX/XX/XXXX! I need to go thru the numbers. I still didnt receive the check for {$25.00} and no updated Mortgage Billing Statement Tomorrow is XX/XX/XXXX and I have to pay my monthly mortgage. So if I dont receive the requested papers by tomorrow and no manager/supervisor calls me with explanation ( please no customer advocate I need a manager ) I will have to complain yet again to Consumer Financial Protection Bureau XXXX XXXX loan # XXXX / complaint # XXXX Nobody responded, so as I advised to RoundPoint - I'm sending yet another complaint to CFPB. I'm also getting prepared myself to consider legal pursuit since the mortgage servicer whom I did not choose to begin with, keeps ignoring my requests. thank you XXXX XXXX
08/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33713	Web
Refinanced my home in XXXX, company I dealt with immediately sold my mortgage to ROUNDPOINT ... .. ( why are we given no choice who we do business with? - why are mortgage companies allowed to sell/swap mortgages to whomever they please? ) In XXXX, I opted out of Escrow & my payments went from {$680.00} a month to {$480.00}. Significant Reduction! During that process, I found out that ROUNDPOINT & I am sure others, are allowed to overcharge, what they call " padding '' for Escrow funds you borrow from them. ( Why are they allowed to over collect? makes payments Higher than necessary & its more work- they collect too much all year, then refund back, then do it all over again - I am assuming its financially advantageous, otherwise they wouldn't do all that processing ) XX/XX/XXXX - My ins lapsed d/t finding coverage difficulties, thus Mid XXXX I received a letter that I had forced placed Insurance & the policy was BACKDATED to XX/XX/XXXX. ( How is this allowed? Backdating Insurance for anything else is fraud/illegal? ) My escrow was analyzed & my payments went back up to {$680.00}. By XX/XX/XXXX I had my own policy and in XXXX depleted my little savings & sent in funds to cover what I owed in escrow. From XXXX forward, because my actions went " outside '' the computer automation process, I have been trying to straighten out my account. I was finally told, today, that even though my escrow balance is XXXX & my insurance renewal isnt until XX/XX/XXXX, I am no longer eligible for escrow opt out and ROUNDPOUNT is allowed to collect for escrow funds from this point forward thus increasing my payment to {$680.00} & padding their escrow account. ( Why are borrowers forced to pay Escrow if nothing is owed? - the point of escrow is to " borrow " from the Lender- in my case, I am now paying in advance! No borrowing ) I now have no backup savings which I would NOT have sent in had I been told that one sentence from one person @ ROUNDPOINT months ago. Should I default on my larger payments, it will get me into a deeper financial hole due to ROUNDPOINT adding more fees, Lenders set you up for failure - LOAN SHARK TACTICS ON A CORPORATE LEVEL -- - Lender laws, rules, regulations, requirements & obligations need revised,,,,, borrowers count on our government entities to protect & advocate for us, its not happening, change is needed
05/06/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ME 040XX	Web
I closed on the sale of my home on XXXX / XXXX /17. Round Point Mortgaging held my mortgage at the time. XXXX XXXX XXXX contacted Round Point for the payoff statement o n XXXX / XXXX /17. The payoff statement stated {$130000.00} was amount of payoff, good through XXXX / XXXX /17. A check was sent by XXXX XXXX to Round Point for {$130000.00} on the day of closing, XXXX / XXXX /17. I cont inued to receive phone calls from Round Point in an attempt to collect payment they were saying was past due, so I stopped answering their calls knowing the pay off check was en route. Then I received foreclosure paper work in the mail from Round Point M ortgage Co. I called and spoke with a woman who told me there was a shortage of {$860.00} from the pay off amount and stated the reason why was because of escrow shortage & fees. She also informed me as of XXXX / XXXX /17 the amount d ue was $ 1300+. This woman also informed me that XXXX other pay off statements had been generated b by Round Point Mortgage Co since the original da ted XXXX / XXXX /17. I was told t he reason for the updated pay off statements was due to Round Point paying the property taxes that had come due on the property. It took me two weeks to actually speak with my " Accoun nt Manager ' ' who then told me it was XXXX XXXX XXXX XXXX error, not Round Point 's. After contacting XXXX XXXX XXXX , they of course stated it was an error o n Round Point Mortgage Co 's, not theirs, and stated they never received any " updated '' pay off statements ; only the 1st dated XXXX / XXXX /17. I contacted the Town I live in to find out about the taxes being paid. They received the payment from the buyers of my property and then received Round Point 's check for taxes in amount of {$2000.00}. They have issued a refund to Round Point Mortgage on XXXX / XXXX /17 for {$2000.00}, which to date is not bei ng reported b y Round Point as r eceived. I received a statement from Round Point o n XXXX / XXXX /17 showin g a balance due now of {$2200.00}. I 'm unclear whether the error was on Round Point 's for sending the tax payment or XXXX XXXX for not sending the correct payoff. I 'm under the assumption at this point my next step is t o 1. report this to cfpb and 2. hire a lawyer to take care of this issue.
12/01/2015	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	MI 49509	Web
Roundpoint had me sign an approval to participate form in order for them to approve the short sale of my home. After many months of offers being put in on my home and losing the offers ( because Roundpoint simply took to long to approve the short sale thus giving them more money in fees that I owed ... some of my offers were almost over what I owed on the home to begin with and I even had a cash offer fall through ) they finally had me sign an approval to participate saying they would accept an offer that was made on my house. In the approval form it states that if I successfully close on the sale of my home following their procedures ( which I did ) that they would compensate me {$750.00} at closing. And that my compensation would increase to {$1000.00} if I closed before XXXX XXXX ( which I also did ). It says I may elect to receive cash or apply some of all of the compensation to sales costs not paid by HUD. Now, when the closing happened they never asked me how I wanted to receive this compensation ( I would have elected to receive cash ). It was never put on the HUD ( nor could it have been, because in a short sale there may not be a payout ). Now, over a month later after my closing I still have not seen the compensation they promised me for doing these things. According to a party at Roundpoint ( all conversations at their company are recorded ) they may not pay out because of some type of Respa ( not sure if that is correct ) procedures. HOWEVER, I asked her several times if respa procedures include anything about a compensation. She said " no ''. I said " then Respa has nothing to do with this compensation because it is not a normal procedure, correct? '' and she said " correct maam '' then went on again talking about Respa. The paperwork clearly states they would pay me the compensation if I did everything they asked. I did everything they asked and then some. I suffered fines and fees for over a year because of this company dragging their feet and me losing potential buyers on my home. Roundpoint owes me {$1000.00} according to this agreement. And I am willing to take the matters to court if they do n't compensate me what THEY owe me. My realtor did not give me this paper, the title company did not give me this paper, ROUNDPOINT did. Therefore, they owe me the money.
05/28/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 20147	Web
This is a transfer of servicing issue. My mortgage was transferred from XXXX XXXX to RoundPoint Mortgage effective XX/XX/XXXX. First, the notification was sent by XXXX on XX/XX/XXXX which seems short notice. It is my understanding that under the New regs of CFPB, it is required that the consumer receive at least 30 days notice of transfer. Second, to date, I have NOT received ANY information from RoundPoint Mortgage regarding the transfer. There has been NO notification or documents stating where to send XX/XX/XXXX payments other the information in XXXX 's initially sent in their letter on XX/XX/XXXX. Again, it is my understanding, under the new CFPB regs the retaining servicer must notify the consumer with in 15 days of the transfer of corrected payment locations. Third, and most important is my escrow account. I have attached monthly statements from XXXX XXXX since the loan closing XX/XX/XXXX that indicate an initial escrow payment at closing of {$1400.00} however these funds were pulled out of escrow on XX/XX/XXXX then reinstated in the account on XX/XX/XXXX with no explanation why. Again however, my escrow balance does not reflect the funds in my escrow balance. My calculations show that my escrow balance should be currently, after my XX/XX/XXXX payment {$3000.00}. This calculation is based on the following : ( {$1400.00} Initial escrow+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX ) However, when I called the new servicer ( RoundPoint Mortgage ) today XX/XX/XXXX, their customer service rep stated that my escrow balance only reflected {$680.00}. I asked if there were any payouts showing on the account and the customer service rep stated NO. This is scary because, though the balance on my monthly statements are incorrect from XXXX XXXX the last state at least showed a balance of {$1200.00}. I have filed a compliant with CFPB on this issue but you are only reviewing the initial servicer response however the current server has also paid my real estate taxes that has caused a shortage in my escrow now ( XX/XX/XXXX ) over {$900.00} and the current server is using my payment to pay their advancement. Please take of this ASAP. Do I need to have the VA involved in this issue of how a veteran is being treated through transfer of serving?
07/22/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 23666	Web	Servicemember
1. Accounting practices at Roundpoint MTG are unbelieveable 2. The accounting has described my Storm water tax as a : MUD/Utility Tax Disbursement b : Ground Rent Disbursement. They keep on changing this in their accounting system 3. They have successfully sent the payments in once before to the tax department without problems, however this time then sent my payment to the tax department with some other XXXX and loan info and incorrect address to the tax department. The Tax department by law could not accept the payment as they had all the wrong information associated with the payment. 4. I called the Roundpoint Mortgage to advise of this and the Customer Service rep said she would put a note into my account and it would take 3 to 5 days to resolve this. I gave them 6 days and called this morning only to find out from the Customer Service person, that they tried to call the Tax department on XXXX XXXX 2016, and the phone was disconnected. I called the Tax department before I called Roundpoint Mortgage ( they still have not received my tax payment ) and the number was working just fine. The Customer service person said that he could not find the phone number to the Tax Department, and I explained that the Tax Department sent you the same Notice that they sent me, and the Phone number is printed on the front of the notice very clearly. I then gave him the phone number. He said he would make a note of this in my account. ... So now, my taxes are delinquent because Roundpoint Mortgage sent my money to the tax dept with the wrong info. I have called twice to Roundpoint Mortgage and they say that they are going to handle this, which apparently they are not and Customer Service reps keep telling me that they will make a note into my account. While this goes on, I am being charged interest on my taxes daily until they are paid. This mortgage company is supposed to be paying my taxes through my escrow account, which seems they ca n't even do this correctly. I have attached emails from the Tax Department, my Tax notice and a screen shot of the activity on my mortgage where you will see the lousy accounting. I have bought and sold XXXX houses in my life and this is the worst mortgage servicer I have ever dealt with. PLEASE HELP! XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
06/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30518	Web
I currently have a mortgage loan through RoundPoint Mortgage Servicing Corporation. While attempting to have my Private Mortgage Insurance ( PMI ) removed, I was repeatedly provided inaccurate information regarding the time frame in which my appraisal would be valid causing me to be required to have a second appraisal of my residence completed to have the PMI removed. I contacted RoundPoint Mortgage Servicing Corporation Qualified Written Response Team by mail, as one is unable to speak to anyone with any information by phone, requesting the additional appraisal fee be removed from my account as the additional appraisal was due to inaccurate information provided to me by RoundPoint Mortgage Servicing Corporation. I received a written response, dated XX/XX/XXXX, from XXXX XXXX XXXX, Vice President of RoundPoint Mortgage Servicing Corporation, stating [ they ] are currently in the process of waiving the appraisal fee in the amount of {$390.00}. Previously, when contacting RoundPoint Mortgage Servicing Corporation by phone I was advised this fee was not due until the loan was paid off and I would not be charged interest on this fee so there was no point in paying it off early. The fee continued to appear on my monthly statement son on XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation and spoke with representative XXXX and supervisor XXXX, who both advised I should wait more as the write off removal was om the pending status. I continued to wait until the arrival of my current statement dated XX/XX/XXXX which indicated both appraisal fees were now currently due on XX/XX/XXXX. On XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation by phone and spoke with representative XXXX. She initially stated she was unable to locate any indicating my appraisal fee would be removed. I asked her to again reference the notes from my previous conversation with XXXX and XXXX as they were able to locate the information. XXXX was able to find the information and advised I should write another letter as it was still awaiting approval. I requested to speak with the department responsible for approval the removal and was advised I could not speak with them. I requested to speak with a supervisor and am still waiting to speak with someone.
04/26/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MA 027XX	Web
I had an FHA mortgage with Roundpoint Mortgage Servicing Corporation ( RMSC ) and I refinanced with another lender on XX/XX/XXXX. The payoff sent to RMSC was short. I was never contacted to say my loan was not paid off. I found out in XXXX when I looked at my online account. After 13 phone calls, I could not get an answer as to how to resolved the problem. On XX/XX/XXXX, with the help of my new lender calling several times as well as myself, I was able to get a breakdown on a spreadsheet of how my payoff funds were applied and the shortage amount from the XX/XX/XXXX closing. I contacted RMSC several times to ask how to send the shortage amount. On XX/XX/XXXX I spoke to customer service. They took my shortage amount payment over the phone using a debit card and said I would receive a letter stating my loan was now paid off along with an apology because of the " back and forth for so many months. '' Those documents never arrived. I checked my online account on XX/XX/XXXX and found the money they collected over the phone was labeled as suspense/unapplied funds. When I called, I was told I needed to pay more to settle the account because the " payoff '' had increased since XX/XX/XXXX. I was also told that their cashiering department did not know how to apply the original shortage amount I paid on XX/XX/XXXX. RMSC is still making escrow disbursements even though I notified them of the situation and spoke to them several times since XX/XX/XXXX. I got their Consumer Ombudsman involved however she was not able to help me reach a resolution. I have also been reported late to the credit bureaus by RMSC for the last two months because they are saying that I haven't paid my regular payment due XX/XX/XXXX and I'm now reported as late 60+ days. I was told by several reps that my account would not be reported late because it was " on hold '' or " frozen ''. I have since been declined a vehicle loan because of this specific negative credit account and my score has decreased 53 points since XX/XX/XXXX. RMSC has the shortage money but they will not apply it to my payoff and close this matter after nearly 5 months and over 20 phone calls and 30 emails. I have also filed a complaint with my state 's attorney general 's office and asked for assistance from a HUD Counselor.
03/20/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	WA 99336	Web	Older American
We refinanced our mortgage in XXXX of last year. Our loan was sold to Round Point Mortgage and our first payment with them was XX/XX/XXXX. Our escrow account included homeowners ' insurance and property taxes. Our FHA loan requires that these items be paid through escrow. Without notice, Round Point decided that they would pay our irrigation fees. These fees are not a tax and were not included in our escrow. The first we knew about this was when we received our Escrow Analysis in XXXX of this year. There was an item marked " Ground Rent ''. I first called Round Point on XX/XX/XXXX to get a clarification for this {$420.00} charge. It took two weeks to get the clarification that this was for our irrigation fees. I then requested that they remove that from our escrow. I had several more telephone calls from Round Point. Finally, on XX/XX/XXXX I received a telephone call that the Irrigation Fees had been removed. I asked for a new Escrow Analysis report, and on XX/XX/XXXX I paid our Irrigation Fees. On XX/XX/XXXX I received another follow up call from Round Point and this person seemed to know absolutely nothing about the removal of the Irrigation Fees. I asked to speak with a supervisor and was transferred to XXXX XXXX. He took my information and said he would submit the request to their Escrow Department. On XX/XX/XXXX I received a telephone call from XXXX at Round Point, telling me everything was done and gave me a new payment amount. This amount was significantly smaller than the original and I told him I didn't think it was right. He told me I would be receiving a new Escrow Analysis and the information would also be available online in 24-72 hours. I looked on XX/XX/XXXX and found they had removed my property taxes from my payment but the Irrigation fees were still there. I sent an email to XXXX XXXX, but he hasn't responded. Then, yesterday I received a check from Round Point in the amount of {$610.00}. I sent another email to XXXX XXXX today and he hasn't responded yet. At this point, Round Point has us in violation of our mortgage agreement with FHA and I can't seem to get this fixed. Any help would be appreciated. I still haven't received an new Escrow Analysis. I am attaching my closing papers and the escrow analysis we received in XXXX.
06/17/2017	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TN XXXXX	Web	Servicemember
Round Point Mortgage Servicing Company sent a certified letter dated XX/XX/XXXX. In the letter, they allege that there was only one VA inspection in regard to the property located at XXXX XXXX XXXX XXXX, TN XXXX. I have done everything they have asked me to do in regard to the Deed in Lieu of Foreclosure and they apologize, for what my attorney and I will call, gross negligence on their part. Back to thisXX/XX/XXXX letter : RoundPoint states that there was only one VA inspection, which took place on XX/XX/XXXX and failed because the property was not in broom swept condition. This part is true. Moreover, I called and left a voicemail with XXXX XXXX XXXX at Round Point, who is or was my customer care advocate. His direct line is XXXX. This call was placed on XX/XX/XXXX at XXXX Central Time. My message was for him to get back with me regarding the second VA inspection which passed and that my attorney stated that RoundPoint should have never transferred the loan and/or property to XXXX XXXX. He never returned my call. In any event, we have documentation showing that a second and subsequent VA inspection took place and passed. My attorney has told me that because the second inspection passed. RoundPoint also confirmed this when the customer care advocate at the time called us on speaker phone. Round Point should have never transferred the loan or property to XXXX XXXX XXXX C/O XXXX XXXX XXXX. This transfer took effect XXXX XXXX, XXXX. The final issue, Round Point stated in the letter mentioned herein, that they transferred the Deed in Lieu documents via XXXX to the new servicer, XXXX XXXX, and that they are to submit the documents for recording, in addition to ordering a new VA appraisal. I 've called XXXX XXXX and I have spoken with XXXX, my customer care advocate, whether they have received the Deed in Lieu of Foreclosure documents from Round Point. She has stated that they have not received anything from Round Point at all. She does have on file that I was issued a XXXX " Cancellation of Debt '' for the entire loan for the property, also mentioned herein. XXXX also stated that they have not ordered a new VA appraisal. Why has n't this been done? You 've had the documents since XX/XX/XXXX. It is now well over a month later.
06/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 939XX	Web
In early XXXX I received a letter from my Mortgage Service provider, XXXX XXXX, that my loan would no longer be serviced by them and would be serviced by a company named RoundPoint Mortgage. This was the third such change in providers since I refinanced the loan just a year earlier. How many times can a loan change service providers in a year? It's ridiculous. Even more problematic, was that I never received a notice from the new mortgage provider by mail. I did on XX/XX/XXXX, the day before my mortgage payment was due receive an email ( not US Mail ) from RoundPoint informing me that my loan number had changed and that once your loan has fully transferred on XX/XX/XXXX I needed to complete three actions to make the transfer as seamless as possible. Why, though, am I, the customer being asked to take actions, when all they need to do is sent me a paper notice telling me what I owe and who to send it to? Instead, I was forced to create an online account to figure out how much I owed and when. Two months passed with no paper invoice received from RoundPoint. I had to log in to know what amount was owed. The user experience is terrible, and it took me days to figure out how to actually see a copy of the invoice in PDF. What I discovered troubled me. The address listed on file was an old address I haven't lived at for over a year. How could they not have the correct address that my former loan servicer XXXX XXXX had on file? It's almost as if they were hoping I'd never get the bill so they could charge late fees and better yet for them, forclose on my property and make a XXXX XXXX XXXX in profit from a short sale. I feel RoundPoint is putting a huge burden on customers to figure out how to pay and stay current on their bill and maybe even purposely sending mortgage bills to the wrong address in the hopes of profiting from them. I sent an email of complaint to RoundPoint a week ago, asked them to update my address on file and send me a proper paper bill. All I've received in return are two form emails back that haven't answered my request. I suspect thousands of other customers are having issues with Round Point. I'd like to have by loan serviced by XXXX XXXX again, or another loan servicer who actually knows how to treat customers.
02/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27518	Web
In XX/XX/XXXX I received my escrow analysis dated XX/XX/XXXX. The second page reflected the incorrect amount of taxes to be disbursed in XXXX ( for the XX/XX/XXXX installment ) as {$1500.00} - higher than the actual amount of {$900.00} ; also making the page 3 projection incorrect. ( Taxes are collected bi-annually, with different disbursement amounts for each installment. ) The error in the analysis created a shortage of {$810.00} - which is not true. I was given the choice to pay the shortage up front or add it to my monthly payment. On XX/XX/XXXX I called Roundpoint Cust. Svc and emailed them proof of the tax amount scheduled to be dispersed for the XXXX. installment, as per their request. I had previously emailed them the same bill in XX/XX/XXXX. I also requested a new analysis to be prepared. The only good result is they disbursed the XXXX. taxes for the correct amount ; however, I have not received a new analysis. Since I did not feel confident that they would prepare and send the analysis, I sent ( via mail ) a notice of error to them on XX/XX/XXXX along with a copy of the analysis and proof of the tax amount. I have not heard anything and my billing statement for XX/XX/XXXX reflects a higher tax amount being collected including the shortage. I called again last week but the person in the tax department did not seem to be knowledgeable. He said that I now had an overage, but I believe he was looking at the amount left in the escrow account, not whether an analysis would result in an overage or shortage. Again I explained the situation and requested a new analysis and new monthly statement. I have an ACH on the first of the month - next due XX/XX/XXXX and have no idea what amount they are going to take. I warned them of that and they said I would not have to change my ACH, as they would deduct the new amount. I have no idea if that is correct information or not. I fear that if they take the higher amount it is simply going to make the matter worse and more difficult to correct. Also too, I am not sure whether I even trust that they will deduct the correct amount, or whether my payment would be rejected. If there is still an shortage after the new analysis, I would pay it upfront. I am running out of time before XX/XX/XXXX.
02/08/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55044	Web	Older American
I closed the mortgage for my XXXX Minnesota house on XXXX XXXX, XXXX with XXXX. On XXXX XXXX, XXXX I was notified that my mortgage servicing company will be changed to RoundPoint Mortgage Serving Corporation ( RPMS ). An initial Escrow amount of {$2500.00} was deducted from my loan proceeds. Starting with XXXX XXXX, XXXX due I have paid {$580.00} ( PMI {$87.00}, Home Insurance {$73.00}, and Real Estate Tax {$410.00} ) each month for the Escrow account. As of XXXX XXXX, XXXX after my XXXX payment my Escrow account has a balance of {$5300.00}. Since XXXX XXXX there has been monthly payment of {$87.00} made late every month for the PMI premium. XXXX/XXXX/XXXX - XXXX/XXXX/XXXX Home Insurance premium was paid and deducted from my loan proceed on XXXX/XXXX/XXXX. Next Payment of about {$880.00} is due XXXX XXXX. RMPS has it scheduled for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX {$160.00} was paid by RPMS for the 2nd half XXXX Real Estate taxes. My County latest estimate of XXXX RE taxes is {$3700.00} due {$1800.00} on XXXX XXXX, XXXX and {$1800.00} due on XXXX XXXX, XXXX. RPMS has scheduled payments of {$2500.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. As it is indicated from the start my escrow deduction has been very excessive and the balance as of XXXX/XXXX/XXXX is almost enough for the total XXXX actual payments of {$5600.00} ( PMI {$1000.00}, Home Ins {$880.00}, and RE Tax {$3700.00} ). According to your site the Escrow withholding can not be more than 2 month of the actual payment, in my case {$120.00} in XXXX ( {$440.00} form PMI and XXXX for RE Tax / 5 month ) and {$470.00} in XXXX. I have made every monthly due on the 1st day of the month ( Due date ). I am requesting your help / or directing me to the proper authorities to correct this unjust situation and have the RPMS pay me back the illegal additional escrow balance plus interest and penalty and to adjust the XXXX escrow withholdings immediately. I recently requested a Escrow analysis on RMPS site but have not received any responses from them. When I called their ( XXXX ) office few month ago several times I could not even get an agent that could comprehend my issue and they were confusing the Principal and Interest Payments with the Escrow account. Best Regards, XXXX
05/13/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 95136	Web
I have been trying to work with Roundpoint Mortgage servicing company that holds the 2nd on my home over the last 7 years with no success. I was given misguided information from so many representatives. Everytime I try negotiating they send me a package in the mail and I complete and send back they say they didn't receive it. Finally after years I have a representative that is more familiar with these issues assist me. I assigned the company a power of attorney and they were at one point communicating with Roundpoint but then the representative became non responsive. Round point has not contacted me on the phone number they have on file or through email or any type of certified letters. Everytime I call them they say they will have a rep call me within 48 hours. I was recently sent a notice of default stating that XXXX XXXX XXXX who is the private lenders want to foreclose on my property. I have been willing to negotiate the balance for years and Roundpoint is not responding. I finally was able to get through to a rep this week and sent in the last 2 items they said they needed which I was never informed of. They also said I had to resend my authorization and hardship letter AGAIN because it " expired ''. The only reason it expired is because they would not call the POA or myself. Once again they said they don't have the POA on file so I sent it to them again on XX/XX/2018 with all the final documentation. They say it takes 4 business days to receive the images, which is also strange since they are faxed to them. I am willing to negotiate a balance and have always been willing but they were not working with me. Now that the house has increase in value they placed a notice of default so that they can force me out of my house. I am a single mom with an elderly mother that lives with me. I have a daughter that is going to college which I pay for, who's dad passed away 2 years ago. I pay for all the expenses in my household and any medical expenses for my elderly mother. If I am forced out of my house it will affect my entire family. I feel that Roundpoint Mortgage and XXXX XXXX XXXX ( who I believe had been bailed out ) is forcing me to go into foreclosure. I need assistance on how to handle this.
08/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30094	Web
I am filing a complaint against Roundpoint Mortgage Servicing Corporation regarding their handling of my transfer of my mortgage in the final stage of the modification process. I filed for loan modification in mid XX/XX/XXXX. Over the course of the next year I submitted documents as requested by XXXX and in XXXX of XX/XX/XXXX my modification was approved and I was asked to make XXXX trial payments due in XXXX, XXXX, XXXX & XXXX. I made the payments & called them back in XXXX & was told that suntrust would send me the documents to make them loan mod permanent. I received the final loan mod docs & signed, notarized witnesses copies were delivered to them on XX/XX/XXXX. On XX/XX/XXXX my loan was transferred to Roundpoint Mortgage Servicing Coprporation. I contacted them on XX/XX/XXXX just to let them know about the loan modification. Roundpoint asked me to email them a copy of the loan mod docs to speed up getting the information put into their system. Since that date, Roundpoint has asked me to send the documents to them XXXX more times and they have done nothing to update my account accordingly. I contacted XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX to have the executed loan mod docs sent to Roundpoint and they were never sent. I filed a CFPB complaint against XXXX on XX/XX/XXXX and through their investigation, they found my signed final mod docs and they have now said that they executed the documents and they are sending them to Roundpoint so that Roundpoint can update their system with the new terms. I spoke with Roundpoint and they said that they would have to have the documents reviewed again by XXXX in order to finalize the loan modification!!! The loan was already modified by suntrust and Roundpoint needs to accept the new term and update their system. Also, Roundpoint has lost or misapplied my XXXX payment. I am also being told by Roundpoint to continue making trial payments even though my trial period ended in XXXX!!! Also, Roundpoint is charging me a {$15.00} inspection fee because they show my account as past due because they are not applying my payments properly! I need for Roundpoint to update their system as soon as possible so that I can have my payments applied properly.
05/22/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Problem with a credit reporting company's investigation into an existing problem	LA 70072	Web	Servicemember
XXXX XXXX XXXX, XXXX XXXX XXXX tax assessor and Attorney XXXX XXXX fraudulently illegally shared Tips for Getting Started the National FBI game Forced by XXXX XXXX spends fair housing funds on XXXX plastic cups, XXXX pens, and XXXX keychains Illegally and fraudulently conspiring against awarded permanent citizenship with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX by 2nd XXXX XXXX state of louisiana illegally locked Homeowners XXXX XXXX XXXX wife XXXX XXXX XXXX and Grandchild out of out of house On XX/XX/XXXX XXXX XXXX Sheriff 's Office and XXXX XXXX Constable along with XXXX XXXX XXXX and XXXX XXXX stated that they are the orders signed by XXXX XXXX XXXX deputy clerk of court and XXXX XXXX XXXX and judge XXXX XXXX XXXX to serve and give family 10min to get out of location XXXX XXXX XXXX XXXX Louisiana at XXXX XXXX on XX/XX/XXXX to illegally and fraudulently evict Homeowners XXXX XXXX XXXX And XXXX XXXX and grandchildren out on the streets of their own home by threaring to arrest and put grandchildren in foster care imposing a illegal tax evasion to discriminate against locking Homeowners out of their mail stop permanent residence registered mail delivery first class profiles and records transferred to United States Department of labor , XXXX XXXX Clerk of Court and juvenile intake Center, XXXX XXXX Family court and XXXX XXXX Sheriffs office fraudulently illegally withholding Unemployment status injuries Personal injury lawyers Law firm XXXX XXXX, scholarships, SMG Taxes Annual emergency final notification providers management services XXXX XXXX XXXX XXXX medical team Staffing wealth data breach on permanent payee payments profiles mail stop delivery address Homeowners update existing capital terminology, in particular to introduce the term 'Total Capital Requirement ' ( TCR ) to refer to the amount and quality of capital a firm must maintain to comply with the minimum capital requirements under the Capital Requirements Regulation ( 575/2013 ) ( CRR ) ( Pillar1 ) and the Pillar 2A capital of XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Wealth office mail stop delivery perment profiles address XXXX XXXX XXXX XXXX , louisiana XXXX family moved to safe storage unit # XXXX due to XXXX
07/26/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	LA 70072	Web
Round point mortgage servicing corporation filed false Annual tax interest statement year 2016 escrow reconciliation principal balance Homebase HUD corporate responsibility to Post property and Casualty survey that XXXX XXXX XXXX errors of Louisiana Department Of insurance missing NAIC lost insurance policies on XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mailing Transcripts and transfer mailing address XXXX XXXX XXXX XXXX , Louisiana XXXX covering Office of motor vehicle inspection Re : Installment Agreement White collar crimes Special investigations commissioners Louisiana police State bureau and Industry access Update members profiles XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX XXXX address XXXX XXXX XXXX XXXX , Louisiana XXXXburden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor , Office of the Chief Information Officer, Attention : Departmental, La-Hire CareerOneStop Heavy Civil Clearance Housing Feedback Career one stop Annual Update Backrounds Of XXXX XXXX XXXX and wife XXXX XXXX XXXX both are eligible to The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to twelve workweeks of leave in a 12-month period for : FTC bureaus See and check ALL 3 reports with credit scores.Annual quarterly, daily weekly data systems updates Re : Installment Agreement Louisiana state licensing and Homebuyers Home choice Builders registrations Sunrise Louisiana new Housing developments Louisiana leevee Boards state regulators Help NAIC and federal grand juries Resolution resolve now for XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mail transfer XXXX XXXX XXXX XXXX , Louisiana XXXX Calling all independent sales organizations, brokers, and agents! XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Structured Settlement/Annuity Payments Official Lump Sum of Cash Sent from my XXXX
01/16/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77057	Web
On late XX/XX/XXXX, we asked RoundPoint Mortgage Servicing Corporation to reduce our monthly mortgage payment of {$2300.00} which we considered was extremely high and we were unable to pay. We have a FHA loan for a small townhouse of 1893XX/XX/XXXX sqft. and at that time our interest rate was 3.625. They asked us to fill out a Borrower 's Assistance application to see how they could help us. The application was delivered to the Hardship Department on XX/XX/XXXX per the attached XXXX receipt. The person assigned to our case was XXXX XXXX which throughout the process was extremely rude. Nonetheless, he approved us for an initial trial period plan for a modification agreement ( attached ). I would like to highlight that before we signed the trial agreement, XXXX said that WE ONLY HAD TO PAY WHAT WAS ON THE AGREEMENT, SO 4 PAYMENTS FOR {$1800.00} EACH. Instead RoundPoint kept collecting in the background the original mortgage payment of {$2300.00} WITHOUT TELLING US ANYTHING. We complied with all 4 trial payments which led to the approval of the Modification Agreement ( attached ). It was only after we had signed the Modification Agreement and completed the paperwork that 2 late payments appeared on our credit report, one for 30 days and the other for 60-90 days!!! We complained to RoundPoint asking why they had reported 2 late payments to the credit agencies and they answered that it dated back to the trial period and that because it was a " trial '' agreement and not yet the modification agreement, we still had to pay {$2300.00} monthly. We told them that XXXX had clearly stated that we only had to worry about the trial payments, nothing else! If we asked RoundPoint for help in the first place was because we could n't make payments of {$2300.00}. But instead they lied to us and never told us what they were doing in the background. We have never been late 30 days on any payment! Now we have 2 UNFAIR late payments on our report that will stay there for 7 years!!! They are by far the worst mortgage company out there. You will only read the worst reviews about them in the internet.They are extremely disorganized, unprofessional, dishonest and should be out of business!!!
07/25/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 324XX	Web
Escrow Not paying!!!! On XX/XX/XXXX, I sent a secure message to Round Point Mortgage Servicing using their website. When we purchased our home in XXXX, It was actually two parcels that by contract was suppose to be combined into one parcel. However, The county where we live only combines parcels once a year in XXXX. When you paid they tax bill in XXXX, it was not combined yet by the county and only one parcel tax was paid out of escrow. This caused another issue. In XXXX when they went to combine the parcels, they could not do so since one had not been paid. They do not combine parcels when one has a balance due. I called an spoke to a woman at the XXXX County Tax office by the Name of XXXX and she stated that until that amount is paid, that their policy is that it can not be combined. She stated they would speak to Round point Mortgage if they needed more information on this or any other info on the bill that needs to be paid. The number to the XXXX County Tax Office is ( XXXX ) XXXX. Sale Date XX/XX/XXXX Certificate # XXXX Certificate Holder XXXX Interest Rate 12.75 % Original Amount {$210.00} Interest Amount {$10.00} Fees {$6.00} UnPaid Balance {$230.00}XX/XX/XXXX XXXX I also sent messages on XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two onXX/XX/XXXX concerning this matter. ALSO, Now I have learned that my HOMEOWNERS INSURANCE has LAPSED as well!!!!! The payment was not made. I sent secure messages about this matter as well on XX/XX/XXXX. I have NOT RECEIVED any response other than automated stating my message was received. I have also called several times and spoken to various reps. Being told they would look into it and call me back and have this taken care of. No one has done so! I have contacted our lawyer, XXXX XXXX of XXXX XXXX and have made an appointment to speak to her further concerning these two matters and will have her do what is necessary to remedy these issues. WHAT I NEED : 1. tax bill paid for the previous year for parcel not paid and both paid from here on out. 2. The homeowners insurance paid and restored and paid on time from this day forward. 3. Someone to actually contact me back if i have an issue!
10/02/2017	Yes	Mortgage VA mortgage	Trouble during payment process	IN 463XX	Web	Older American, Servicemember
I have been having problems with keeping up with my mortgage payments. Roundpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, NC XXXX is the servicing agent for XXXX XXXX XXXX XXXX, the holder of my mortgage. In XX/XX/XXXX, I put the mortgaged property on the market. I did find a buyer quickly, with a closing date in XXXX. I had divided the property to make it more attractive to a buyer who did not want to be a landlord. I was not able to keep up with the payments at this time, so I contacted Roundpoint and let them know that the closing was in XX/XX/XXXX, and they would be paid off at that time. Their customer service people indicated to me that was acceptable, and ceased calling me about being behind in the payments. They gave no indication that there would be any derogatory information reported to the credit bureaus. Roundpoint did file derogatory information during XX/XX/XXXX. The closing on the property created another problem. XXXX XXXX made an error on the closing statement, and left me with a {$2700.00} balance to be paid on the mortgage. Roundpoint did commence billing the balance in XX/XX/XXXX, even though I had paid off about {$130000.00} of the {$130000.00} balance. They insisted that the payments start then, and would be at the same amount as before. No adjustment would be made. I am still having problems keeping up with the payments. In XX/XX/XXXX, I requested that Roundpoint pay the property insurance out of the escrow. Roundpoint did not, and I paid for the insurance in late XX/XX/XXXX to avoid cancellation. I have requested that Roundpoint move the insurance money from escrow, and apply it to my principal balance. They refused, on the basis that I am one month behind on the mortgage. I would have been able to get current on the mortgage if I did n't have to make the insurance payment. There is {$1400.00} in escrow. I have paid the insurance on the property, and the property taxes are taken care of. There is no reason to hold the money in my escrow account. This money would take care of almost 2 months of the principal and interest on the mortgage. Roundpoint would rather leave my struggling to make the payments than release the escrow.
01/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 850XX	Web
My home mortgage has been with Roundpoint Mortgage. In XX/XX/XXXX, I paid {$270000.00} in addition to my monthly payment. That brought my loan to a total of just over {$2000.00}. Roundpoint turned off my autopayment without notifying me. They called to say I was late on my XXXX payment. This was a surprise. I requested the payoff letter. Roundpoint provided the payoff letter. I then completed payment of the remaining balance for {$2100.00} per the payoff letter instructions ( removing the XX/XX/XXXX late fee amount per the customer service rep 's instruction - as she entered a request for it to be waived on XX/XX/XXXX ), going directly to XXXX XXXX XXXX to complete the transaction on XX/XX/XXXX. Roundpoint Mortgage continued to call, stating that I was delinquent in payment from XX/XX/XXXX. I then submitted to Roundpoint the transaction receipt from XXXX XXXX XXXX as payoff proof and requested that Roundpoint research this matter on XX/XX/XXXX to the email account that one of their customer service agents suggested. Roundpoint Mortgage sent an automatic receipt of reply, and they also sent a paper letter stating that they were reviewing this. To my ongoing surprise, Roundpoint continues to call me multiple times per week stating that I am delinquent in payments from XX/XX/XXXX. I received a letter dated XX/XX/XXXX that I am in default in the amount of {$4700.00}, which is greater than my remaining balance prior to payoff. Today I spoke with customer service at Roundpoint Mortgage. The agent was very helpful. He found my previous correspondence along with the payoff receipt, and apologized for the issue ( it is unclear why research was dropped ). He said he will work with accounting to locate the wired funds and reconcile payment for the remaining balance. He said he would follow up with me on this accounting issue. My concern is that I have spoken with multiple agents at Roundpoint Mortgage, the ball has been dropped more than once, and my credit is being threatened. I would like Roundpoint Mortgage to show that they have not inaccurately reported delinquent payments against my credit. Thank you for any help you can provide in this matter
11/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 775XX	Web	Servicemember
I was not informed that our loan had been transferred and I received nothing from the new servicer Roundpoint telling me that they would be servicing my loan or where to send payment. I had sent my XXXX payment to XXXX XXXX as usual on XX/XX/2020. The check was returned to me some time later, with an explanation that they no longer serviced our loan. When I finally spoke to someone helpful at XXXX, they informed me over the phone that my loan had been transferred and they were no longer my loan company. I received nothing in writing. I asked why my payment had not been forwarded to Roundpoint, and was told that the policy is to return the payment to the former client. I then contacted Roundpoint and asked for something in writing stating that they were our new loan servicer as nothing was sent to me either before or after my request for some proof of the loan transfer. I also asked for something stating to where the payment was to be sent and what was our loan number or any documentation to attach to the payment. I was not provided anything after 4 calls to Roundpoint. Roundpoint finally did send something in writing, a form document dated XX/XX/2020 Offering free Homeowner Assistance Consultation and multi-page documents for delinquent payers. This document had our new Loan Number and their address at least and I sent them 2 payments as they were indicating I was delinquent, when in fact I had paid on time to my then loan company XXXX. Without doubt, this has been an exasperating and disappointing experience. I was not informed my loan was sold, was not given instructions for payment and Roundpoint refused to send any loan payment instructions. In speaking with them over the phone I discovered that they didnt even have our mailing address. Our mailing address is XXXX XXXX XXXX. Our physical address XXXX XXXX XXXX is not a mailing address per the USPS and mail is not delivered to XXXX XXXX XXXX. Our previous loan servicer had our correct mailing address. I pay my debts in a timely fashion and I find it almost incomprehensible that the poor business and customer service practices of Roundpoint Mortgage have adversely affected my good credit.
09/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 47906	Web
I refinanced my mortgage from RoundpoinXXXX to XXXX, closing XX/XX/XXXX. The payoff check arrived at Roundpoint on XX/XX/XXXX. As part of the refinance, XXXX obtained a payoff quote from Roundpoint. Included in that payoff quote was a line item called " Pro Rata PMI '' in the amount of {$290.00}. This payoff quote was for a payoff received by XX/XX/XXXX. Since it arrived approximately 13 days early, I was told I was receiving a partial credit and only being charged {$270.00}. At a rate of {$4.00} per day that's about 3 days credit. However instead of crediting me the approximately 14 dollars I was charged again, this time directly from the escrow account still with Roundpoint. I have two complaints. 1. The credit should be 13 days at {$4.00} per day, or about {$63.00}. 2. The {$290.00} was included in the payoff sent by the bank. Taking any PMI out of the escrow account after is duplicating that payment. I have the payoff quote showing the pro rated PMI being included in the payoff. I have the closing documents showing the payoff sent to Roundpoint included the full {$250000.00} for payoff as quoted by Roundpoint. I have screenshots of my online account showing my escrow before and after they took the final PMI payment out, as well as the line item in the account detail showing it was for PMI. I have conversation with a rep from Roundpoint claiming that I was charged correctly. I am also anticipating 13 days of per diem interest to be included for the overpayment due to the payoff arriving 13 days early. This overpayment is for loan interest calculated into the payoff quote, but not earned based on the time of payment received. 13 days at {$25.00} ( As stated on the payoff quote ) is {$320.00} in overpayment on interest. I should receive a check from Roundpoint with the following : {$2000.00} - Current escrow balance {$63.00} - PMI overpayment based on payoff date {$320.00} - Interest overpayment based on payoff date {$270.00} - PMI duplicate payment taken from escrow despite being paid in payoff Total of {$2600.00} I was told these go out within 20 business days of loan closing. Check should be post marked by XX/XX/XXXX.
05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76053	Web
I successfully completed a loan modification on XXXX XXXX XXXX after making 3 months of on-time " trial '' payments from XXXX XXXX XXXX XXXX , XXXX and continued making on-time mortgage payments to date. Unfortunately after reviewing my credit report in XXXX XXXX , I called the loan servicing comp any ( RountPoint Mortgage ) and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement ( attached ) dated XXXX / XXXX / XXXX which reflects a past due amount of {$14000.00}! I signed and returned the executed Loan modification agreeme nt RPM on XXXX XXXX , XXXX and it was not completed until XXXX XXXX . I received the executed copy of the Modification in XXXX XXXX , which was dated XXXX / XXXX / XXXX , which is obviously incorrect . ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to repo rt them as being on time. All payments were paid on-time to the lender XXXX XXXX XXXX XXXX XXXX and Roundpoint whe n they were due since XXXX XXXX , XXXX and the previous past due balance was added to my principal, along with $ XXXX in fees. Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from XXXX / XXXX / XXXX would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did. After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month, XXXX XXXX . All payments from XXXX XXXX to present should reflect " on-time '' and be in good standing for that point forward. They have failed to report correct information or rectify the situation from XXXX to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affec ted my credit score . Any assistance you can provide would be very much appreciated!
08/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80207	Web
This is in reference to a delinquency that Roundpoint reported to XXXX ; my wife and I dealt with Roundpoint in good faith and made payment on agreed-upon terms, but the company, through it 's own malfeasance or malpractice, reported the payment as 30 days late, even though their own documentation and communication recorded the payment as only 8 days later that listed on the statement provided. Roundpoint Mortgage serviced my home loan from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX, my wife and I refinanced the mortgage through XXXX XXXX. Either XXXX XXXX failed to correctly calculate the payoff amount, or Roundpoint failed to correctly calculate the payoff quote, as two weeks after closing, Roundpoint informed us that the payoff fell short. In short, Roundpoint acted in an unprofessional, chaotic, duplicitous, and bullying manner over the course of three weeks. They sent a series ( XXXX ) of inaccurate, contradictory statements, and failed to explain why XXXX statement differed from another. A representative agreed to grant a two-week extension until funds arrived in my account for payment, but Roundpoint instead set a due date as the day that we received the funds in our account, and recorded a 30-day delinquency to TransUnion when the payment arrived 8 days later through the mail. They refused to provide a written explanation of the deliquency report, and only offered a second-hand verbal explanation over the phone that the representative who granted the two-week extension had no authority to do so -- as the department that handled payments refused to communicate with me directly, their use of a customer service representative in this way was a deceitful and borderline fraudulent practice. My wife and I have never missed a payment of any kind in 25 years ; the report substantially lowered our credit rating from " XXXX '' ( XXXX ) to " XXXX '' ( XXXX ) in a matter of days. This was their error, and it substantially harms us as consumers ; Roundpoint refuses to acknowledge their error, and have refused to communicate with us in any way after receiving payment. We 've already submitted documentation through cashiering.
05/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WV 254XX	Web
My loan was sold to RoundPoint Servicing Corp for loan servicing before my 2nd payment ( last XX/XX/XXXX ). I tried setting up a bank account for payment, it took multiple attempts as they kept losing my submitted forms and/or bank account information. I then wanted to make biweekly payments, which required an additional form and bank information ( same bank, same account number, etc ). Well they lost it again multiple times. I went on the prepay {$5000.00} of principal on my mortgage. I called to inquire as to why my biweekly payments had not started, and they told me in order to do this, I had to be ahead on my payments by one month. Simple math people. That {$5000.00} payment knocked about 50 months off my mortgage. I opened an account with a local bank and added that bank to my online account at RPS. Several times I have tried to make this account my primary payment method and this has gone on to be ignored. I have called and chatted online with representatives who consistently tell me different things, including today. The representative ( XXXX was her name, I took screenshots of this conversation ) informed me that now there will be a billing issue because I have 2 bank accounts for this loan. Despite this, she was not willing to fix this. She flat-out refused to fix this despite knowing this is going to be an issue. All these issues and not one person has been able to assist me in resolving this or making payment easy and with options promised. I have repeatedly requested the simple option of biweekly payments and have repeatedly provided whatever documentation they have requested. I requested a supervisor contact me and as of this writing they have not called. Every contact I have had with RPS has been a hassle. It seems they go out of their way to be a problem. They go out of their way to not be willing and/or able to help. I have been nice about this, I don't get ugly. I have seen other similar complaints online and I wanted to get this out there for others to see. I will not be buying a house with a loan that uses RPS for servicing. I will also be researching on which regulatory authority to complain to for this.
09/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89149	Web
My mortgage loan was modified in XXXX XXXX. However, my servicer Roundpoint, has not reflected my loan as modified since then. I have been fighting with them now for two years and I finally hired an attorney earlier this year to help me. As you can see from the attached my loan was modified in XXXX XXXX directly by the owner of my loan. As you can also see from attached my mortgage statement for this same loan shows me due for XXXX/XXXX/XXXX back in XXXX and now XXXX/XXXX/XXXX. I have no idea how they are coming up with these dates as my loan was modified and should have been brought current as of the date of my modification on XXXX/XXXX/XXXX. My attorney was advised by Roundpoint that they requested me to submit another full application so they could attempt to fix this issue. My attorney submitted my full and complete application on XXXX/XXXX/XXXX and to date Roundpoint has not yet issued a decision. They keep asking for more paperwork every month and then let it expire and then ask for it again. I am told by my attorney that RESPA Reg X requires the lender to make a decision within 30 days of the application REGARDLESS if it is not completely complete. My attorney has an in house underwriter that put the file together and they state the lender ( Roundpoint ) has enough information to make the decision. I am not eve sure what decision they need to make as they have ROYALLY messed up my mortgage and it is on them to fix it. # 1 ) I was modified and my servicer never reflected it in my statement # 2 ) This is not my fault and the fact that my account is now past due and really messed up is either the servicer 's fault or my investor 's fault. It DEFINITELY is not my fault. # 3 ) My servicer needs to STOP EVADING reviewing my file as my attorney is billing me for work each time Roundpoint stalls and does n't make a decision as required by RESPA Reg X. I am being financially harmed by this illegal action. In another week it will have been 5 months since I applied for assistance in fixing my servicer 's mistake!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Please make them stop running me in circles and make them FIX THEIR MESS!
07/27/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78209	Web
Hello, Since XX/XX/XXXX, my husband has been paying our home owners insurance directly to our insurance company, XXXX XXXX, yet Roundpoint Mortgage keeps billing me for a monthly escrow for homeowners/hazard insurance. I have called them numerous times to ask them to remove this monthly charge from my mortgage payment and they tell me that it is not possible. Last summer, they sent me a refund for the escrow balance of XX/XX/XXXX -- due to unnecessary payments to them for home owners insurance that was already paid. I received an end-of-year statement for XX/XX/XXXX that I had a closing balance of {$1600.00} after the appropriate disbursements were made for property taxes. When I called them in XX/XX/XXXX, requesting my refund ( for homeowners insurance payments, that they keep charging me ) I was told that they could not refund the money until they reassessed my escrow account. They reassessed the account in XX/XX/XXXX and are still refusing to send my refund. In addition, I am still being charged a monthly home insurance escrow fee -- even though they have received a declaration from our insurance company, twice. I would like them to stop charging me escrow fees and then holding that money for over a year, then refusing to refund me when I ask for MY money. I have gone through this process with them numerous times and am exhausted each time because they act as if this is the first time, they don't know what I'm talking about, they just repeat the same info and tell me there's nothing I can do. I was keeping track of our email correspondence through their online secured messaging system, but now they have done away with that feature. So, I can no longer track our documented trail of correspondence. I have asked them for ALL emails and phone recordings from XX/XX/XXXX-XX/XX/XXXX and am awaiting their response. Please help me resolve this situation. Roundpoint mortgage is stealing my money, or a the very least, holding it hostage so they can gain interest fees. I believe this is a common practice for them as there seems to be numerous complaints of escrow overcharging by them when I searched the web.
03/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 318XX	Web
I have a mortgage with Roundpoint Mortgage Servicing Cooperation. My mortgage has an escrow for payment of taxes and insurance. On XX/XX/XXXX, I received a notice from my insurance carrier that my property insurance policy had lapsed due to non payment. The payment was due onXX/XX/XXXX ( the effective date of the policy ). The notice from the insurance company also said the policy would not be re-instated if the payment was not received by XX/XX/. I immediately called Roundpoint Mortgage on the morning of XX/XX/XXXX and basically got the runaround. While they admitted that they did not pay my insurance bill from my escrow account, they said they could not tell me why. They said they would need to call my insurance agent and I would have to call back to get an update. They were unwilling to call me to give me an update. After about 30 minutes on the phone with Roundpoint, the agent disconnected me ( hung up on me ). I called back about an hour later and got an another agent and had to start over on my problems. Apparently no notes were placed on my file by the first agent I talked to. This time I was on the phone for over an hour. Again, with no resolution or satisfaction. They said it generally takes 3 - 5 business days to get a payment out, but they had to depend on the insurance department for this. I told them that the payment need to be overnighted that day since the notice said the policy would not be re-instated in the payment was not received by XX/XX/XXXX. I was again told their normal policy is the get the payment out in 3 - 5 days. I told them was unacceptable since this was their error and my home current has no insurance. The attitude toward my problem was totally unacceptable and there was no sense of urgency in getting it taken care of. Isn't it illegal for this mortgage company to hold funds in my escrow account and not pay my insurance? When I got the mortgage I was required to have an escrow, yet this company is not required to pay my insurance out of my escrow account? Totally unacceptable! And no sense or urgency in getting it resolved. And no explanation about why it happened.
04/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76034	Web	Servicemember
My loan was sold to Roundpoint late in XXXX. I received my first statement from them on XX/XX/XXXX letting me know that my first payment was due on XX/XX/XXXX in the amount of {$3000.00}. I made that payment on XX/XX/XXXX and then began bi-weekly payment in XXXX in the amount of {$1600.00} via my bank account. In XX/XX/XXXX, I received a late notice and was charged a late fee. I called Roundpoint and it was found that payments had been misapplied. I was told that would be corrected and that the late fee would be reversed and that this would bring my account current and the next payment would not be due until XX/XX/XXXX. I asked about setting up bi-weekly payments through them to avoid the issue and the only way to do that is by mailing in a paper form. This was XXXX and I continued making my bi-weekly payments of {$1600.00} even though the account was current. My plan was to set up bi-weekly payments by mailing in the paper form but before any of this could be handled, I received another late notice for XXXX. At that time, I paid another {$1600.00} via my bank account because they do not allow you to make partial or custom amount payments on their website. I also enrolled in autopay so that I could avoid the issue any further and gave up on trying to pay bi-weekly with them. This morning, I received a call from Roundpoint saying I still owed another {$290.00}. I tried explaining to them and they were unwilling to budge. I was forced to pay the amount or suffer another late fee. At that time they also instructed me that my payments had gone up around {$400.00} per month, which I never received notice of, which is why I owed the additional {$290.00}. To date I have paid Roundpoint {$16000.00} which is far more than I owe given I've only had 4 months of payments with them. They do not offer any online support to resolve and require forms to be mailed in. They can not take credit card payments over the phone, they do not apply funds correctly, and they have terrible customer service. Consumers should not be subjected to this treatment. I had not choice in the matter and I am extremely dissatisfied.
02/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94952	Web
My mortgage was sold to Roundpoint company in XX/XX/2023. I got a letter in XXXX from my prior lender, XXXX XXXX stating this was to occur and the next payment to be made would go to Roundpoint. XXXX XXXX 's letter provided the Roundpoint contact but no other info. XX/XX/XXXX, when I typically pay bills, I called Roundpoint and they said they did not have the transfer completed and could not provide me with any information so that I could pay the mortgage on time. They said I would receive a letter from Roundpoint when they were ready to receive payments. They reassured me that there was a 60 day grace period to allow all the customers to receive the necessary information to pay their mortgage. I never received a letter. I got a call about XX/XX/XXXX and the lady was quite rude, she said there is a grace period but the payment would still be listed as late, even though I couldn't have paid it without the loan number. As I tried to explain and ask for proper documentation she continually interrupting me. I stated I was waiting for a letter from them that clearly documents that the loan was transferred, the loan number, the amount of the loan and the interest. The rude customer service rep kept suggesting I could solve all these problems myself, and could have already paid the mortgage. This loan is {$450000.00}, and this is serious money to me. I want a document that shows the loan is accurate. There can be mistakes and fraud and I don't want to be a victim of a scam. She never assured me that a paper letter would arrive that would provide this needed and required information. She said " check your email junk folder.. I did and a letter providing some basic info but not complete info was there. just enough to pay them, but no statement of loan amount or interest. This reeks of fraud. I would like them investigated. The mortgage industry has a very bad reputation and this is another example of why. I have perfect credit, and I will pay them, but I am reluctant to continue to work with this company and it isn't fair to me to have to consider refinancing due to this type of behavior.
01/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19348	Web
To Whom It Concerns : As a home owner with a mortgage, I have accepted the financial responsibility and obligation to ensure receives Roundpoint Mortgage receives my mortgage payment - principal and interest inclusive of administrative fees for servicing the loan. Every month. Even during a time when so many are unable to pay their mortgage. Every month. On time. I pay. As the mortgage lender for my primary residence and in receipt of my monthly payment, Roundpoint Mortgage has a fudiciary responsibility to ensure that escrow is appropriately calculated and payment made for all county/property, city, school and home owner 's taxes. In connection with the XXXX full year school taxes due on my behalf to XXXX XXXX XXXX by XX/XX/XXXX, Roundpoint Mortgage has not met its obligation. In summary, after contacting Roundpoint via phone and email on XX/XX/XXXX, following up on XX/XX/XXXX, and again on XX/XX/XXXX ( I initiated all follow-up as there was zero communication from Roundpoint after the standard " thank you for contacting us email '' ), I was casually told by a representative, " we will not be paying this today. '' Escalation. 30 minute hold times. Unacceptable to say the least. Over the last month, I have had 4 calls with XXXX from the customer service escalation team ( XXXX, XXXX and XX/XX/XXXX. ) I was informed by her that the issue would be resolved by XX/XX/XXXX and it has not. As far as I know, Roundpoint has not paid the appropriate tax and I may be in default on my school taxes ( the tax bill is in excess of {$6000.00} ). It is not my concern that XXXX sold my mortgage to Roundpoint and Roundpoint then merged or sold the mortgage to XXXX. What I do care about is that my mortgage, and related taxes are paid in a timely manner. What is Roundpoint doing with my funds held in escrow? They earn money on the money collected from me, which is to be reserved and used to pay applicable taxes and home owner 's insurance on my behalf. That was not done in a timely manner. I have requested that all remaining correspondence concerning the matter be in writing.
03/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89104	Web
On XX/XX/XXXX I bought my house and my mortgage service was XXXX XXXX XXXX. My first payment was scheduled for XXXX and I sent check # XXXX on XX/XX/XXXX that was cashed on XX/XX/XXXX. For my XXXX payment I sent check # XXXX on XX/XX/XXXX and it was cashed on XX/XX/XXXX. In the month of XXXX I received a letter about the transfer of my service to Roundpoint Mortgage Servicing Corporation and that the XXXX payment had to be made with the new company. On XX/XX/XXXX I made my payment online for the month of XXXX but on Monday XX/XX/XXXX I couldnt make my online payment for XXXX since the reflected amount was {$2400.00}. I immediately called them and they told me to send proof of all my payments made so far to XXXX and that he will take my payment by phone for the month of XXXX as the investigation begins. It is from this day that my nightmare begins, they say they only received one payment from XXXX XXXX XXXX. Since then I have been communicating with the 2 companies, without any specific response. I kept communicating and Roundpoint always told me to wait until XX/XX/XXXX for an answer. On Saturday, XX/XX/XXXX, I called and nothing, then I called again on Monday, XX/XX/XXXX and they told me to wait 48 hours that they were going to communicate with me, then I called yesterday, Wednesday, XX/XX/XXXX since they had not contacted me and I asked to speak with a supervisor and he told me that wait 2 more weeks and I asked him if I could make the XXXX payment by phone since online it says that it is for XXXX and he said that this money will be for the month of XXXX that if everything is resolved they will credit this money for XXXX payment. They are not taking this situation seriously and they are accusing me that I did not make the payment of my house for the month of XXXX, that it is lost, that I say I paid but they dont know where that money is, so they want to steal my money. I am making this complaint because the treatment they have given me has been lousy and I have already sent them proof of my payments and when the money has been collected and nothing.
09/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94608	Web
When my loan was sold to my current mortgage company they did not transfer over the Hazard/Fire/Real Property insurance policy document which I supplied when the loan was originated. When my current mortgage company sent me a letter asking for the insurance evidence on XX/XX/XXXX I asked my HOA 's insurance representative to FAX them the information and send me an email copy at the same time on XX/XX/XXXX. The HOA insurance representative promptly faxed the evidence to my mortgage company as requested on XX/XX/XXXX. I have the emails to prove it. In XX/XX/XXXX I received a call from my mortgage company asking for the same evidence of insurance again. At this point I gave the mortgage company the HOA 's insurance representative 's contact information and I was told that it would be taken care of or else I would receive another phone call. Instead of a phone call I received a bill in XXXX for lender force placed insurance policy of over {$2000.00} dollars. I called back right away trying to clarify but was told that they are still talking to the HOA representative about the paper work. At the same time I found out that I could email them a copy of the insurance document myself so I sent my mortgage company an email with the insurance evidence attached right away. On XX/XX/XXXX I received another letter from my mortgage company saying that they are about to renew the lender force placed insurance on my property. I called right away on XX/XX/XXXX and was told by the representative that they are now seeking the XXXX term insurance evidence instead. I asked about the previous insurance evidence and was told by the representative that she was able to find the document in their system but it was n't attached to my loan. Because of the mortgage company 's incompetence I have been forced to pay for a redundant insurance policy of over {$2000.00} dollars for no reason. I believe my mortgage company ( Roundpoint Mortgage Servicing Corporation ) should be held responsible for their incompetence and the additional financial burden they have forcefully placed on me.
10/18/2017	Yes	Mortgage VA mortgage	Incorrect information on your report	TX 76542	Web	Servicemember
My mortgage was sold to Roundpoint mortgage service in XXXX XXXX. I have had continuing issues with my ability to pay my mortgage through their automated service. I continually called from XXXX XXXX through XXXX XXXX to find out why I could not pay my mortgage online nor would the automated phone system verify my account. It took an average of 20 minutes per call to have a new representative each time research the issue. At some point I was told that my social security number was not correct. It was verified that the paperwork they had was correct, but someone had entered it into their system incorrectly. I was asked to submit a copy of my social security card to show proof even though the documentation they received was correct. During that six month period I also contacted their consumer ombudsman, I never received any calls or e-mails from the ombudsman, until roughly three months later, which was a letter saying they have received my grievance. To this day I have not received any follow-up. In XXXX of XXXX the issue was resolved and I was again able to pay online. In XXXX of XXXX the issue resurfaced. I called on at least three occasions, one in XXXX XXXX, and twice in XXXX XXXX. During the first call in XXXX XXXX I was told I will receive a flow-up call in 24 hours, which never happened. On the second call in XXXX ( after waiting 30 minutes to talk to a rep ) I was told a supervisor will call me back in 2 hours. I also was assured by the representative, that as a consumer advocate, she will ensure it was followed through on. She even sent an e-mail with her info. I never received a call, I did send a reply email to her on the following workday notifying her I did not receive a call. I never heard anything back from the consumer advocate after three days waiting. In the two years I have had to deal with this company ( which was not chosen by me ) I have called to report the same issue over 10 times with absolutely no resolution. Lastly the social security number incorrectly input into the system has now been linked to me on my credit report.
05/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 18360	Web
I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification XXXX XXXX my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called XXXX XXXX and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by XXXX XXXX ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to Round point mortgage. Now round point mortgage displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with XXXX XXXX and Roundpoint on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the XXXX XXXX representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. Since all of this I have submitted a complaint against XXXX XXXX to the CFPB which XXXX XXXX did nothing about but pass blame on to Roundpoint. Roundpoint acknowledged this issue multiple times in many calls over the past few months, I have been told on multiple recorded calls that the problem will be taken care of only to recieve a call from Roundpoint a week later saying that I'm still behind. Every time Roundpoint does nothing about this.
01/05/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89149	Web
I was offered a loan modification in XXXX XXXX and signed it and it was recorded onto my property. The agreement also removed my ex wife from the mortgage. I am attaching a recorded copy of the agreement to this complaint. I have also removed my ex wife 's name from the title of my home. My servicer, Roundpoint, after violating RESPA Regulation X by evading review for almost six months, improperly reporting and collecting on a loan that was modified in XXXX, ruining my credit and costing me thousands of dollars in legal fees, is still showing me in arrears and they state to my attorney that they can not recognize the loan modification that I signed because it somehow does n't meet their system requirements for default. They then after stalling for 6 months stating they did n't have a complete file, finally issued a new loan modification agreement and they are trying to add my ex wife 's name back onto my mortgage. They also asked for a large down payment. I have done nothing wrong here. My attorney asked Roundpoint to contact the investor/owner of the loan to get this problem ( which is on their side ) resolved so my loan can finally be out of limbo. I feel I have been victimized by both my servicer and the investor of this loan " XXXX XXXX XXXX XXXX XXXX ''. Roundpoint purposely avoids discussing this account. Every time my attorney contacts them to try and resolve THEIR error, they put him into voice mail and never return the call. The VP of the servicer wrote some fraudulent letter stating they did nothing wrong, but it is very easy to understand. They are servicing a loan that was modified and they refuse to recognize it. Ruining my credit, costing me thousands of dollars in legal fees and stress that is easily fixable if they would just contact the investor and stop avoiding the problem. My loan was modified in XXXX. As of today they still show me due for XXXX XXXX, XXXX. This can not be legal. Roundpoint is a crooked servicer who thinks they do n't have to follow Respa law regarding servicing and servicing loss mitigation situations.
06/05/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	HI 96732	Web
I DID NOT KNOW THAT MY ACCOUNT WAS SOLD TO ROUNDPOINT MORTGAGE. WHEN I REALIZED THAT IT WAS, IT WAS TOO LATE TO PAY ANYTHING BUT THE TOTAL PAST DUE. I ASKED TO BEGIN THE PROCESS TO MODIFY THE LOAN BACK IN XXXX OF 2023. SINCE THEN I HAVE RECEIVED ZERO ASSISTANCE. I HAD TO CALL TO GET UPDATES, AND WOULD BE GIVEN EXCUSES AND DIFFERENT REASONS WHY IT WASN'T COMPLETE, THEN HAD TO REDO PAPERWORK BECAUSE SOME OF THE INFORMATION WAS OUTDATED BY THEN. THIS WENT ON FOR OVER 3 MONTHS, AND THEN I WAS TOLD THAT MY REQUEST WAS DENIED AFTER ALMOST 3.5 MONTHS. ONCE THE DENIAL HAPPENED MY HOME WENT IN TO FORECLOSURE. AFTER BEING INFORMED OF THE DENIAL, I ASKED FOR THE INFORMATION INCLUDING THE TOTAL AMOUNT I NEED TO PAY SO THAT I COULD WITHDRAW THE AMOUNT FROM MY RETIREMENT, THEN I WAS GIVEN THE RUN AROUND AGAIN FOR WEEKS. I WAS TOLD TO CALL BACK IN A COUPLE DAYS MULTIPLE TIMES, AND THEN TOLD THAT THEY WERE WAITING ON THE ATTORNEYS TO GIVE THEIR FEES. HOW WAS I SUPPOSED TO KNOW HOW MUCH TO WITHDRAW IF I DONT HAVE AN AMOUNT? SO I WITHDREW THE ORIGINAL AMOUNT THAT I RECEIVED FROM YOUR COMPANY, AND OF COURSE NOW THE TOTAL IS MORE BECAUSE OF THE ATTORNEY FEES. THIS WENT ON FOR OVER 2 WEEKS UNTIL I FINALLY CALLED THIS MORNING AND WAS SENT THE EMAIL WITH THE TOTAL INCLUDING THE FEES. NOW THE EMAIL SAYS THAT THIS TOTAL NEEDS TO BE PAID BY XXXX. THAT IS 4 DAYS??!!! THIS IS AN ATTEMPT TO FORCE FORECLOSURE AND INHIBIT THE ABILITY OF THE HOMEOWNER TO RETAIN THEIR PROPERTY. THIS IS UNACCEPTABLE AND IF THIS IS THE WAY THIS COMPANY DOES BUSINESS THEN THAT NEEDS TO BE STOPPED. IF THIS IS A SINGLE EMPLOYEE BEING INEPT, THEN THAT NEEDS TO BE DEALT WITH. IT IS NEARLY IMPOSSIBLE TO TALK TO ANYONE BECAUSE OF THE TIME DIFFERENCE BETWEEN HAWAII AND THE XXXX XXXX. NOBODY ANSWERS EMAILS AND THE WEBSITE LIMITS THE WAYS YOU CAN CONTACT THEM. I FILED A COMPLAINT ON THEIR WEBSITE MULTIPLE TIMES AND HAVE RECEIVED ZERO FOLLOW UP. I HAVE EMAILED MY SINGLE POC MULTIPLE TIMES FOR MONTHS ASKING FOR CONTACT INFORMATION AND SOMEONE TO TALK TO AND HE HS NOT REPLIED TO ANY OF THEM.
04/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 351XX	Web
My mortgage was recently sold by XXXX XXXX to Roundpoint. No problems with XXXX XXXX, but that is not the case with Roundpoint. On XX/XX/XXXX, I received a form letter from Roundpoint stating that they received a payment from me that was short of the necessary amount by {$50.00} or less. This is absolutely false. This is also the second letter like this they have sent me. The payment my bank sent matches the payment I was required to make according to my mortgage statement from them, and it also matches what they show I paid. It also matches what I was paying to XXXX XXXX. Then the same day, I received a new mortgage statement from them increasing my payment, with no explanation what so ever. Calling their customer NO SERVICE number is futile, it is geared to only extract payments from people, not to actually provide service. The law requires them to notify me if my payment increases due to an escrow shortfall, and allow me the option to pay it upfront or over the course of 12 months. I have received no such notification, nor have I received an escrow statement showing payments in and out. I filed a complaint with Roundpoint online and have heard nothing. Trying to call in and speak to a live person is futile. There was no option to do so. Normally, if I experience this level of difficulty with a loan servicer, I could just go refinance the loan with someone else, however, with inflation and the current interest rates, I would be looking at more than a XXXX point increase in interest, which is likely the reason they are being so difficult, they don't want to service a loan paying 3.25 % interest when a new one would be 6+ % interest. They also send out statements on the second day of the month, showing me past due, when my payment isn't past due ( late ) until the XXXX. XXXX XXXX didn't do this, they sent out statements after the XXXX. This is predatory behavior. If you look online, Roundpoint has terrible customer service ratings and alot of complaints for exactly the same behavior, and their response is always the same.
03/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 402XX	Web
Our mortgage was bought by Roundpoint Mortgage in XXXX of XXXX. We were informed that at closing there was an escrow shortage of approximately {$700.00}. Roundpoint informed me that if we pay that amount, then our monthly payment would decrease. I spoke with a representative on XX/XX/XXXX who told me to pay {$420.00} and in XXXX our payment would decrease. In XXXX we received our XXXX statement with no changes reflecting. I spoke with a 2nd rep from Roundpoint who said that I would need to wait until XX/XX/XXXX for the escrow balance to reflect. I checked on XX/XX/XXXX and nothing changed, and made the original monthly payment. Spoke with the 3rd rep on XX/XX/XXXX who informed me that I was told incorrectly ( on waiting and the amount ) and I needed to pay an additional {$160.00} for the escrow and that he would make a request to conduct the escrow analysis. He told me to wait until XX/XX/XXXX for this to take effect. I was called on XX/XX/XXXX by a 4th rep inquiring why a payment was not made and I caught her up to speed. She said that an analysis hasn't been done and to go ahead and pay the monthly payment but it will be completed for XXXX 's statement. Today, XX/XX/XXXX, I receive the XXXX statement and just as before, nothing has changed. I called to make a complaint or to speak with someone higher up, and I spoke with my 5th rep from Roundpoint. She did not take a complaint but stated that an escrow analysis has never been requested on the account, but she would input one right now. My frustration is this : if this is something that can not be applied, I would never have paid the extra money. I have been told different things from each rep and I have no trust in this company at all. They do not have the customer in mind, and clearly they are not properly trained nor do they ask for help if they do not know how to do something. I'm hoping that rep # 5 actually knew what she was doing and completed the request, but I have little confidence in RoundPoint Mortgage. Clearly they are a company about taking the customer 's money.
01/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77022	Web
In XXXX, 2021, Roundpoint Mortgage, without our knowledge, paid our insurance company ( XXXX ) our home insurance premium for the upcoming year - {$1100.00}. This amount divided by 12 equals {$96.00} a month. Roundpoint then added {$230.00} per month to our mortgage payment for escrow. Our closing documents state escrow for {$38.00} a month for flood insurance only. Since that time we have been unable to resolve this issue. Have had multiple phone calls lasting up to 3 hours. We have paid Roundpoint {$1300.00} over 3 different payments to cover their {$1100.00} payment made to XXXX yet they still say we owe more money and are late on our mortgage payment. They sent threatening letters mentioning credit bureaus, etc. ( Husband and I both have excellent credit in the high 700s ). I've asked to speak to a supervisor but request was denied. I've sent Roundpoint the requested documents to request removal of homeowners insurance escrow - first rejection letter back stated escrow account had a negative balance, second rejection letter stated no because we have been late with payments within the last 12 months. We have made our regular mortgage payment of {$1000.00} every month, just not the additional {$230.00} a month for the escrow we did not want in the first place and have paid over the original amount to fix. When I've called them I am sent into a 'black hole ' of reps whose speech is difficult to understand. Their insurance department just transfers me back to customer service. As stated above, husband and I have been trying to resolve this issue since XXXX with minimal headway and no end in sight. My husband is in poor health and the stress of the situation has negatively impacted him. Roundpoint appears to be a 'bait and switch ' operation and as consumers, it appears we have no recourse and can not request another company to facilitate our mortgage payments. We are requesting the homeowners escrow that we never requested/agreed to be removed from this account, and the amount we've overpayed refunded back to us. Please help!!
10/25/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	AZ 85035	Web
Good afternoon, I purchased a home through XXXX XXXX and my home closed on XX/XX/XXXX after a VERY long drawn out process. My first payment was due to XXXX XXXX on XX/XX/XXXX. I reached out to XXXX XXXXXXXX to ask how I make my payment and was advised to mail my payment to XXXX XXXX. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to XXXX XXXX which they received AND cashed on XX/XX/XXXX ( confirmed by XXXX XXXX because I got a letter on XX/XX/XXXX saying XXXX was taking over my loan as of XX/XX/XXXX so I wanted to confirm they got my payment ). Round Point Servicing contacted me early XXXX to advise my payment was late. I let Round point know I was n't sure what they are referring to because I made my payment to XXXX XXXX and got conformation from XXXX XXXX at XXXX XXXX that XXXX development received the payment. I received a letter in the mail from Round point around XX/XX/XXXX or XX/XX/XXXX stating my loan had been transferred to them as of XX/XX/XXXX. I am in the middle of a battle with Round Point and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with Round Point to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XX/XX/XXXX advising I still need help because Round Point calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by Round Point, and nobody can seem to get back in touch with me at XXXX XXXX.
07/21/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	AE XXXXX	Web
The company is Roundpoint Mortgage. In XX/XX/XXXX I accidentally double paid my mortgage for the month. Shortly after, I requested a refund for the second mortgage payment. Once I realized the refund wouldnt be another direct deposit, I asked for the cancellation of the refund and to have the funds applied for XX/XX/XXXX payment instead. At first, the request was noted, however another agent already processed the cashiers check and therefore voided the initial stop refund request. This incident is what initiated my problems with roundpoint mortgage. Once the cashiers check was issued, I requested for customer service reps to void the check and apply the funds to XX/XX/XXXX payment. I requested this process more than 10 times. Each time, I was told it would be done only to find out my request was never documented or initiated on my account. To make a long story short, roundpoint held on to XX/XX/XXXX payment for 115 days. Within those 115 days, roundpoint gave me a {$75.00} late fee, and added a delinquency notice on my credit report which made my credit fall by more than 100 points. It wasnt until 90 days in to my problem, that roundpoint finally acknowledged their error, fixed my credit and removed the late fee. They even sent a long apology letter ensuring the issue was resolved. However, the company still took 3 more weeks to actually apply XX/XX/XXXX payment. Therefore, ( to my current problem ), Im dealing with another -150 point hit to my credit report, and foreclosure warning letters from the company. I once again asked the company to dispute the company error with the credit bureaus, but as far as I know, my request is being disregarded again. Ive had my loan since XX/XX/XXXX, every mortgage payment has been made on time since then. Ive tried almost everything I can think of to get the company to resolve these issues and close out the account but the company neglects my complaints and refuses to expedited resolving my concerns. I am afraid I may have to take more extreme measures to fight this company.
06/11/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	TN 373XX	Web
We sold our home ( officially closed ) in XXXX on XX/XX/XXXX for {$300000.00}. At the time of the sale, our realtor provided the mortgage company with our new address in XXXX to send our escrow refund from the sale of the house. The mortgage company ( RoundPoint Mortgage ) got their check wired to them on the day of closing., When we called the mortgage company about 15 days after closing, they indicated it would take about 30 days to receive our escrow refund, suggesting we would receive the check by XX/XX/XXXX, but we were sure to make sure they had the correct address in XXXX. Nearly one month after closing ( XX/XX/XXXX ), we called the mortgage company again, but this time they indicated they sent the check in the mail to the wrong address ( home we sold in XXXX, not the home we were now living in XXXX ). They apologized and said they would send our escrow refund ( ~ {$3000.00} ) to the correct address within the next 30 days and promised us we would receive our refund by the end of XX/XX/XXXX. The end of XX/XX/XXXX came and we still had not received a check. We called the mortgage company again ( for the third time now ) attempting to track down our escrow refund. This time we were kept on hold for over 30 minutes after we requested a check number since they told us the check was indeed in the mail. However, this time they promised us that we would receive the check by the middle of the next week ( Wednesday, XX/XX/XXXX ). We did not receive any check in the mail and are very frustrated with this process. The mortgage company had no problem doing auto-debit from our checking account to get their money every month, and they got paid the day of closing, yet here we are more than 2.5 months later and still have not received our {$3000.00} escrow refund that we planned on using on our next home to buy. Every time we call the mortgage company we get a rep that indicates no manager is on duty and we do not know who else to contact to get our money that is rightfully ours. Any assistance would be appreciated.
03/08/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32828	Web
Hi, I had taken a Home Loan from XXXX XXXX XXXX back in XX/XX/XXXX and the service partner in XXXX were XXXX XXXX anXXXX XXXX XXXX is XXXX is Roundpoint Mortgage Servicing Corporation. I had purchased the house with 5 % down payment in XX/XX/XXXX and PMI was applied to my loan account, as the down payment was below 20 % There was a substantial increase in the market value of housing property in year XXXX and I contacted XXXX XXXX in XX/XX/XXXX, to remove the PMI as the Loan to Current Market Value is much above than the required percentage, however, they rejected my claim I contacted Roundpoint Mortgage Servicing again in XX/XX/XXXX and I was told that, my case is good for removal of PMI. On further inquiry with them, I was told that, an order to XXXX was ordered and they will revert to me for appraisal of my property. I did not get any call from them for a week from then and I got back to roundpoint again, to check about it. They told me that, the order to the XXXX was issued by mistake and I am not eligible for removal of PMI unless the required ratio of XXXX was brought by pay back or substantial improvement. I am not sure, why these servicing companies have rejected my claim all the time. I don't remember any condition, restricting the removal, if the current market value is on or above the ratio of XXXX. I believe that, my current market value is much higher than required ratio and the PMI shall be removed. In fact, I shall be paid back the PMI paid for Year XXXX as then market value of property also were well above the required mark by these companies. I am contactable in XXXX XXXX XXXX, in case you need any further information. The contact number of roundpoint mortgage servicing is XXXX XXXX XXXX. The Mortgage / Loan Account number is XXXX. The application filed with the roundpoint corporation have been attached herewith as well as rejection letter sent by the XXXX XXXX in XXXX XXXX Please let me know, if I need to do anything further to take this matter ahead Best Regards XXXX XXXX XXXX
02/26/2018	Yes	Mortgage VA mortgage	Trouble during payment process	GA 30022	Web	Servicemember
We are U.S. Military Veterans and previously changed Homeowners Insurance Companies from XXXX to XXXX XXXX in XX/XX/XXXX and the new HOA Premium amount and policy was sent into the Roundpoint Mortgage Insurance Department on XX/XX/XXXX. Also, we requested a new Escrow amount be calculated to lower our payments from {$4900.00} since the new HOA Insurance Premimum has been reduced to approx. {$1800.00} vs. {$4000.00} and have requested repeatedly to have this information reviewed. Also, an XXXX Representative called Roundpoint Mortgage on in XX/XX/XXXX as well and spoke to a Representative in the Roundpoint Insurance Dept and she duly noted the account and the XXXX Representative again faxed over the information to the Insurance department and the receipt of the information was confirmed. However, Roundpoint Mortgage is llegally causing an undue financial burden to our family by not adjusting the escrow amount to lower our monthly payment. Also, the assigned reperesentative - XXXX -for the Loan Modification process is very rude and abrupt when I had to repeatedly request her to explain what the Stop-Gap process was and believe they are not being very transparent on which program are actually available to Veterans while waiting for the Loan Modfication Process to be completed. Also, I believe they are unnecessarily causing a longated process to complete the modification request. It is very undue and their business practices towards VA Homeowners is very alarming! We should not have to go through this much red tape to request a loan modification. There was much impatience exhibited by my assigned representative XXXX XXXX. I also requested if she could help me get the insurance situation resolved with their department and she initially stated she could, but then reversed and told me she could not transfer me and to call back to the Insurance Dept. This is ridiculous, very non-proactive and this causing more financial burden to my family as well because the representative is not going the extra mile to help.
08/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38002	Web
RoundPoint Mortgage bought our loan from XXXX XXXX between XXXX and XXXX XXXX. I have not recieved our escrow anaylsis from RoundPoint Mortgage. A check was mailed to us for {$1100.00} and only said escrow overage. Like any american family, that money was used for other bills. All along our monthly payment amount has remained the same {$1500.00}. I have not reiceved any notices saying my taxes have increased or that my homeowners insurance was dropped from my escrow account. Today I am called by my homewowners insurance saying I owe them {$870.00}. I called RoundPoint, they admitted to boarding my loan incorrectly from when they purchased it from XXXX XXXX, but said the money is being used to go other expenses. How did my taxes just happen to go up the exact amount of what I was being sent to XXXX insurance previously? I was on the phone for two hours with different stories and representatives talking in circles. Some admit it was their fault. I was told my loan amount will increase to make up for the difference of them sending payment today out of my escrow account to my XXXX insurance in the amount of {$870.00}. Why was that amount sent to me? Where is my money really going? No one can give me straight answers. I would have had to have paid points at closing to drop escrows. Or if my taxes increase I should have recieved notification from RoundPoint saying my monthly payment amount was going to change. Also, no one at RoundPoint could tell me what my new tax amounts were. Breakdown of previous payment : {$1500.00} total monthly payment {$65.00} XXXX XXXX {$90.00} Mortgage insurance $ XXXX XXXX taxes {$51.00} city taxes {$1100.00} P & I Breakdown of new payment : {$1500.00} total monthly payment {$0.00} XXXX XXXX {$90.00} mortgage insurance $ XXXX XXXX taxes {$31.00} city taxes {$1100.00} P & I If my payment amounts changed, i should have been notified. Also if my taxes went up then why did they refund me for " an overage in escrow account. '' They are not in compliance with customer notifications.
12/23/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NY 10469	Web
Hello, My name is XXXX XXXX and I'm hoping I can get an answer to the following : I refinanced my mortgage on XX/XX/XXXX through my lender XXXX XXXX. XXXX XXXX XXXX represented me as the title company. The issue that I'm having is the following : When I refinanced my property one year ago to buy out my brother in-law 's portion of the home in XX/XX/XXXX, my prior lender Roundpoint recorded a satisfaction of mortgage along with an assignment of mortgage to XXXX XXXX. Due to the satisfaction recording error on Rounpoint 's part, I was not approved for a CEMA process this time around. I postponed my closing to allow the different parties time to resolve this issue ; however due to timing I had to finalize my refinance since my interest rate lock was expiring and therefore closed on XX/XX/XXXX. This resulted in XXXX mortgage tax to amount to {$13000.00} ( 1.92 % on entire mortgage amount ) as if I have taken a new mortgage. I reached out to Roundpoint after the closing and they opened up case to investigate the recording error. They acknowledged that this was the case and therefore went back to rerecord ( rescission of satisfaction of mortgage ) on XXXX XXXX. As I understand from an advocate contact at Roundpoint ( XXXX XXXX XXXX ) and multiple emails going back and forth, Roundpoint and XXXX XXXX along with XXXX XXXX XXXX were going to redraft the documents as a CEMA process rather than a new loan. After final review, my current lender and settlement attorneys mentioned that bottom line the rescission of " satisfaction of mortgage '' by Roundpoint made no difference whatsoever even if I wanted to have the CEMA process ( since this error would have nullify everything ) I know this sounds like a lot to process ; however, bottom line is that I should not have incurred the {$13000.00} and it should have been around {$260.00} instead. Please reach out to me via email response or via cell at XXXX or via e-mail XXXX Your response to this matter is greatly appreciated! XXXX XXXX
05/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30542	Web
Due to the COVID-19 we contacted our Mortgage Company in XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. We immediately called Roundpoint on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from Roundpoint to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to Roundpoints Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.
04/15/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	TX 757XX	Web	Servicemember
This is my 3rd request to the CFPB ( Consumer Financial Protection Bureau ) and 2nd request to obtain information for the below mentioned dates. I hereby request a copy of every and all mailed Periodic Statements to me during the following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Beginning in XX/XX/XXXX, I was informed that the FDIC Office, designated to address all matters pertaining to the failed XXXX XXXX/XXXX XXXX, was scheduled to closed. This, I was told over the phone on the same day as it was announced to me that, the last 5 loans where sold. The new Loan owner, was bound by law, to establish contact within 30 days. When asking for Name and contact information, I was told that she, my FDIC Contact representative didn't have that information, she only new that the office was to be closed by the end of XX/XX/XXXX and It was the Law that the New Loan Owner would contact me with in 30 days. When I didn't receive a my periodical scheduled Statement, I became nervous and the 1-800 number to learn who to make my payment to? But I was told that the 30 Day 's did not begin until XX/XX/XXXX and I should be patient! I became exceedingly nervous and shared my concern with my employer, The City attorney of the Town I live in. A matter fact, I decided to seek councilI with anybody I though could help me understand what was happening. Everybody believing that the due process is to wait! XX/XX/XXXX came and still no contact with the new loan owner. This continued till XX/XX/XXXX, when RoundPoint send there 1st statement! Today, I believe to know the name of the highest bidder, XX/XX/XXXX, was XXXX XXXX XXXX ( XXXX ). I believe that XXXX XXXX XXXX failed to forward periodical scheduled Statement and therefor walked away from my contract! Press Release XXXX XXXX XXXX XXXX FDIC Announces Winning Bidder .... The FDIC has signed a bid confirmation letter with XXXX XXXX XXXX ( XXXX ), ... XXXX XXXX XXXX Thank you for your diligent in this matter.
03/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 080XX	Web
In XX/XX/XXXX, we contacted our mortgage company. Roundpoint Mortgage Servicing to advise them that we have a tax abatement with the purchase of our property which was supposed to take effect as of XX/XX/XXXX however it had not reflected in our payment. The associate told us we needed tax documents from our township which we provided in 2 business days to them and confirmed it was received. We were told at that time that they would do a escrow study and make an adjustment to our payment and we would see the adjustment in our XX/XX/XXXX payment and within two weeks begin processing our refund which at this time was approximately {$5000.00}. Two weeks passed and we did not see any adjustment to our mortgage payment. We called roundpoint a third time and was told that for some reason the escrow study was not yet done but would be done then and finished before our XX/XX/XXXX payment came due. We also asked at that time to speak with a supervisor but was told one was not available but someone would call back. We never received a callback. Two weeks after that, we call again. We ask for a supervisor immediately and were given the run around. In the meantime while waiting for a supervisor, the associate advised us he would expedite the escrow study ( which still was not completed ) and to not make our XX/XX/XXXX payment until it was adjusted to reflect the tax abatement by XX/XX/XXXX, We were also told that someone would call us with the results of the new payment information and results of our escrow overpayment which now is over {$6000.00}. We waited until XX/XX/XXXX and have not heard anything. We contacted Roundpoint again today and spoke to a XXXX who stated that our escrow study was still not completed and asked for a supervisor. We were continually told that one was not available and we have been on hold for almost 3 hours with no resolution. They have still not told us when we would receive our escrow overpayment or make the correct adjustment to our mortgage payment
04/06/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 321XX	Web
XX/XX/XXXX - Received a cancellation notice from my homeowners insurance company stating that my homeowners insurance was not paid and they had cancelled my policy. It was after hours so I had to wait until the next day to address it. XX/XX/XXXX - Called Roundpoint Mortgage ( RPM ), spent about 2 hours on hold, was then told that they never received the notice of payment due because they had changed their mailing address & fax number. I called my homeowners insurance company and they advised me that they had received a letter from roundpoint telling them to remove them as responsible for the escrow because the account was paid in full. ( i now have a copy of this letter available ). I was promised they would send the payment overnight. Insurance company explained to me that home would remain uncovered until they received payment. I went ahead & made the payment because I was told that it would be refunded to me. XX/XX/XXXX - I called insurance company to check and see if the payment had been received from RPM. On/around XX/XX/XXXX, the check was returned to roundpoint by the insurance company because the insurance had already been paid in full to me. I then asked roundpoint to refund the money to me, since they had concrete proof that I had made the payment they should have. they told me it would be taken care of. It's now more than a month later & i'm being told that they can not refund me because I'm not due for escrow reveiw until XXXX and that they think the difference would be less than {$20.00} a month ( which of course makes no sense since the amount owed is {$710.00} just from the insurance ). I also received an automated message telling me that they're in the process of transferring my loan when I tried to call in today about this, so then it seems an escrow review would be done in advance of that anyway. I have copies of multiple chats & dates/times of phone calls ( i don't have all them in front of me but I can get them together if needed )
02/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 376XX	Web
My mrtge principal balance was scheduled to reach 80 % of original value of the property onXX/XX/XXXX. On XX/XX/XXXX, I submitted a written request to have the PMI removed and received an email receipt confirmation. Appr a week later ( message left and I called back ) Roundpoint informed me that an appraisal was required and it would be {$750.00}. I told them that was a ridiculous fee, appraisals in our area range from $ XXXX- {$500.00}. I'd already researched the range. The lady informed me that she would submit a request to review the amount of the appraisal, someone would call me back. A few days later, I received another message ), I called back and was told that it was still being reviewed. Another week passed and I received a call from an appraiser who said that he was notified by my mortgage company that a request was submitted for him to perform the appraisal. When I asked what the fee was, since I hadn't heard back from the mortgage company, he said that he didn't know, that it was just assigned to him. I told him not to come until I had contacted the mortgage company again. For a third time, I contacted Roundpoint, I was told that the cost wouldn't change. I requested a supervisor contact, my PMI is {$54.00} a month, mortgage is scheduled to hit 78 % original loan value on XX/XX/XXXXand automatically terminate. Paying the PMI until then would only be {$760.00} ( {$700.00} deducting theXX/XX/XXXX payment that would be charged due to timing ). It would make no sense to pay {$750.00}. I was told that someone would call me back and was also told that the 78 % date for auto termination is not accurate, that it doesn't automatically terminate. I didn't receive a call, instead I received a letter datedXX/XX/XXXXthat they denied my request because they didn't receive an appraisal. I believe that Roundpoint set the cost of the appraisal themselves at a higher than market value to continue to get the insurance amount that they had planned on at origination.
02/27/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46750	Web	Servicemember
Statement filed with BBB and Roundpoint mortgage on XXXX/XXXX/XXXX : I acquired a mortgage on XXXX/XXXX/XXXX and began making bi-monthly payments of {$320.00} beginning XXXX/XXXX/XXXX. the first payment was not due until XXXX/XXXX/XXXX, so I should have been saving some interest as well as having about {$100.00} additional applied to my principal. Come to find out, they have this set up so that I can not save on interest. Money is being put into escrow. additionally, funds received prior to the first of the month are not being applied to the intended month at all. there is no way for me to get ahead the way that they have this set up. I called today to have my due date changed to the end of the month so that I can make my payment early in the month and save on interest, as well as not worry about late fees when using direct deposit. I get paid on the XXXX and the XXXX so if I do bi- monthly payments, I will never be on time the way that they have their system in place, even if I am paying ahead. If my due date is toward the end of the month, say the XXXX, we will have no problems. I will appreciate any assistance in clearing this up. All I want to do is make my mortgage payment and save a little interest the way I was told I would be able to do so. I was told today that I would have to refinance to change the due date, this seems like a crooked statement to me and I will not accept that. I will not hand over thousands of dollars to refinance a mortgage just to change a date on the papers. Thanks, XXXX XXXX Since filing my complaint, I have continued to make my payments as I have. I received a payment coupon mailed on XXXX that stated my outstanding principal was {$75000.00}. I received another mailed on XXXX, my outstanding principal is now {$75000.00}. How does my principal go up {$410.00} in 4 days when I have been paying extra toward my mortgage from the beginning? I get no answers from Roundpoint. I was on hold for 45minutes earlier today.
09/27/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX XXXXX	Web	Servicemember
Round Point Mortgage Foreclosed and sold my home during a VA Loan Modification application process but they neglected my application and Denied modification process to protect the best interest of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. Round Point Mortgage stated they sold home to another recipient for around {$220000.00} and it wasn't sold to XXXX, Texas Real Estate XXXX XXXX. XXXX sent me a note that him and his wife bought my house at XXXX County Auction from Round Point Mortgage Law firm XXXX XXXX XXXX. So, Why is Round Point falsified that XXXX XXXX is not the recipient who purchase my home at auction? Also, HOPE Program Rep called Round Point Mortgage and assisted me on VA Loan process, we called twice and the second time, Round Point Mortgage Rep stated they sold the house at the auction on XX/XX/2018. A completed application was faxed and emailed and Federal Government has evidence and one last note, Round Point Mortgage was given evidence on my XX/XX/XXXXXXXX and Pain issues and under Prescribed Medications and XX/XX/XXXXXXXX Treatments with my Primary Physician and Surgeon Dr , XXXX XXXX XXXX. Round Point Mortgage has violated my ADA Disability Civil Rights Act under Department of Justice and has Discriminated and Retaliated against me because I filed various Federal Complaints and because I am XXXX XX/XX/XXXX and a XXXX US Military Veteran. Since Round Point Mortgage has violated Federal and State Law in selling my home and facing alledgations of VA Loan Modification, VA Loan Fraud, Corruptions and Frauds there should be a Financial Restitution of the equity of my home to accommondate me on my new home that I like to persue in California. Respectfully, {$8000.00} is not enough to purchase a home in XXXX, California. I need a home to be retired in peace and nurse my XXXX XXXX. Round Point Mortgage Law Firm doesn't want to accommondate me on my XXXX and not honoring and supporting me as a Military Veteran.
08/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98043	Web
Our mortgage is serviced by Roundpoint Mortgage Servicing Corporation. Our residential earthquake insurance was set to renew XX/XX/2019. This bill is paid out of our escrow account. On XX/XX/XXXX, we received a notice of cancellation due to non-payment of premium from our insurer, XXXX XXXX XXXX ; our policy was set to cancel by XX/XX/XXXX if not paid. I called Roundpoint the same day and was told that they had mailed a check on XX/XX/XXXX and provided a check number, but they were unable to tell me whether that check had been paid by their bank. I called XXXX XXXX XXXX, and I was told that they had not yet received payment on our account. I called XXXX again, and they said they would attempt to trace the payment, and they would have more information within 3-5 business days. I said I would call back the following Thursday. On Thursday, I called Roundpoint again and was told that the check for my premium payment was sent not to XXXX, but XXXX, which I believe is the underwriter. The check covered not just our premium, but premiums for some 59 loans, and the check exceeded {$70000.00}. They still were not able to tell me whether the check had been paid. I called both XXXX and XXXX, and neither had received a check with that check number or for that amount, or anything approximating it. On XX/XX/XXXX, I called XXXX and learned that the payment still had not been credited to our account. I paid the entire premium myself with a credit card. On our most recent mortgage statement, XXXX deducted {$420.00} from our escrow balance for our insurance payment, but has not accounted for that amount, and has not been able to even determine that the check they issued was deposited by the insurance company or that they provided remittance advice including our insurance account number ( which would make the matter the insurance company 's responsibility ). I am now out {$420.00} paid out of my own pocket, plus the {$420.00} deducted from our escrow account.
06/15/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 07060	Web	Servicemember
I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.
02/23/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	WA 993XX	Web	Older American
I had a kitchen fire in early XX/XX/XXXX. I contacted XXXX XXXX and Roundpoint Mortage the next day. XXXX was fantastic theysent an adjuster right out and had acheck with in a week, made out to me and Roundpoint Mortage. I have filled out all of their forms and supplied them with tons of extra paper work. They claim they will send out a check with in 7 days. Its been 5 months the first contractor I hired was an out right theif he was terminated in XX/XX/XXXX he was paid {$1700.00} out of the first and only check received from Roundpoint I also purchased a stove and microwave which were distroyed d in the fire. After contractor was fired my Freind and I removed all insulation and replaced with new cut out burnt sheet rock replaced taped and mudded the whole ceiling and painted the whole upstairs at this point Roundpoint sent an inspector to see the progress she judged it 98 % complete Roundpoint sent acheck made out to me and the terminated contracter I tried to get old contractor to sign the check he refused I informed Roundpoint at this time XX/XX/XXXX since that time they have demanded reams of paper work which has been supplied and they claim they never received it. Their inspector inspected the work judged it 98 % complete I have paid for repairs and XXXX wages out of pocket. They found it good enough to send the check once the work has been done the quality way above what a hired contractor would do. Im the one that has been living in half a house my plants are dying havent been able to cook or have any type of normal life because Roundpoint will not send the money to pay for what has been done and also complete the job. I have pictures before and after. They claim in their paper work that if your Mortage is current you will have your check with in 7 days its been 5 months I want my house back 100 %, Roundpoint should not be able to profit from a fire that distroyed my house They have the Insurance money and Ive fixed the house.
03/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76135	Web
RoundPoint Servicing employs fear mongering to trick customers to sign up for there electric statements. Lying about statement content in the process. XXXX/XXXX/XXXX and XXXX/XXXX/XXXX : RoundPoint Servicing sent out a mass email and letter in which the company warned customers that full social security numbers are sent on all mailed year-end statement, and that account holders should protect themselves by signing up for online only statement. Direct quote from email below : " ENROLL TO PROTECT YOUR IDENTITY Did you know your full social security number is included on your year-end statement? Sign up to access your statement electronically to reduce the risk of fraud and identity theft that comes with receiving paper statements. '' Had this been true Roundpoint would have been literally advertising to the public where every RoundPoint 's customers social security number can be stolen from. They should be better stewards of there customers private information. There is no reason to send out any mass email that states where sensitive or confidential customer will be located and when it would be sent out. I digress, I did not immediately notice the email but later in the month when I received the mailed letter I become worried and signed up for the online statements. AFTER signing up for online statement Roundpoint informed me that my submission was too late and would go to into effect until next year ( XXXX ). After I signed up I was informed I could not go back to paper statements. When i received my year-end statement in XXXX XXXX my full social security number was NOT included. Instead only XXXX followed by the last XXXX of my social. RoundPoint was clearly employing fear mongering tactics to trick customers into signing up for there electric statements. Had the company honestly stated that only the last XXXX of my social would be included on year-end statement, I would not have signed up for electronic statements.
04/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98466	Web
Roundpoint Mortgage is responsible for paying my homeowner 's insurance premium and failed to submit a payment. The billing statement was sent by XXXX XXXX ( my insurance carrier ) on XX/XX/XXXX with a payment date of XX/XX/XXXX. On Monday XX/XX/XXXX payment had not been received and a XXXX XXXX representative called regarding the payment, and was told that a check for payment would be sent via overnight mail. On XX/XX/XXXX I received a letter from Roundpoint stating that because I failed to renew my insurance, they would be purchasing one on my behalf. The XXXX XXXX agent called again on XX/XX/XXXX to ask about payment and was again told that it would be sent via overnight mail. On XX/XX/XXXX, payment was still not received, and the XXXX XXXX agent again called and was told that they do not ever issue or approve overnight checks and there was no record of the previous requests. The 30 day grace period for the homeowner 's insurance expires on XX/XX/XXXX. I initiated a virtual chat with a representative from Roundpoint on XX/XX/XXXX and was told that they had submitted the request for payment, but that they could not provide me with a confirmation number for the request or confirm it via an email notification. The representative told me that the payment should be made by XX/XX/XXXX. When I requested that it be expedited to arrive by the XX/XX/XXXX grace period cut off, I was told that insurance companies offer an extra 30 day grace period to lender-paid premiums, which is inaccurate. When I asked about a lapse in insurance coverage and how that would be handled, I was simply told that they would not allow that to happen and that I should rest assured that it had been handled. Failure to pay the premium on time, and dismiss additional requests via the insurance carrier and loan originator is extremely unprofessional and careless. Refusing to provide any sort of confirmation code or verification of the payment seems illegal.
10/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20906	Web
I remortgaged with roundpoint loan number XXXX just under 2 years ago. A couple of months back I rang them to ask about re-valuating my property. The women on the phone said to me that if I was at 78 % I could get my mortgage insurance removed. Knowing I was very close I decided to get a valuation on my house. The valuation came in at XXXX, which means 78 % means an amount outstanding of XXXX meant I could get my MI off. I owe around XXXX. Now supposedly they tell me that since my loan is seasoned less than 5 years it has to be at 75 % at loan to value ratio, before my Mi can come off. This figure was never mentioned to me when I spoke to the agent. The recorded conversation with roundpoint advisor where I repeatedly said will it come off if it is at 78 % the answer was yes.. This is also was their website says. Now they say I can not remove my MI eventhough I am under 78 %. I want them to pay for my valuation since their agent gave me the wrong information.I only got the valuation done knowing I was close to the 78 % mark. Also I have been told legally as soon as you are under 78 % the MI has to come off. I have not missed any payments. I did fill in their form and on it does say you have to be 75 %. However since I was not clear I rang their advisers to ask them who told me it should come off at 78 %. I told Roundpoint that the mortgage has been mis- sold to me and the information I was conveyed was also incorrect. I also asked them to listen to the recorded conversation I ahd with their adviser who informed me that it will come off at 78 %. I did not get a reply. The only reply I got was to say my MI could not be cancelled and did not mention anything about the conversation I had asked them to listen to. Please can you let me know if legally they can avoid my MI coming off eventhough I am under 78 %. Also are they not legally obliged to give me the correct information when I ring them. I would like my MI to come off.
03/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 190XX	Web
XXXX XXXX XXXX REMOVAL REQUEST FORM How is this form used? Its used to request removal of Private Mortgage Insurance ( PMI ) from your mortgage loan. Note : FHA loans entail different removal criteria. The applicable form is available on our website : www.rpmservicing.com A new valuation, which can cost up to {$600.00} or more, is required* to confirm the value of the property. This can be true even when removing PMI based on the original value of the property. What requirements must be met to initiate cancellation of PMI? The loan must be current on mortgage payments. The loan must have a good payment history. A good payment history means : o No payments 30 days past due in the last 12 months, and o No payments 60 days past due in the last 24 months. The current property value must be at least equal to its original value The loan must meet the applicable loan to value ratio ( LTV ) provided in the PMI Cancellation Matrix on Page 2. There must not be any subordinate lien ( s ) attached to the property. For properties located in Minnesota, the property must be owner occupied. For loans seasoned less than 2 years where substantial improvements are claimed, evidence of substantial improvements are required. This includes a list of improvements, contracts, and receipts ( see the FAQs on page 3 for more information ). I called to inquire about PMI removal which resulted in a {$500.00} charge, they sent someone for Appraisal and we didn't qualify LTV based on Original Value 80 % XXXX XXXX : 70 % XXXX XXXX : 65 % Other : 70 %. Prior they did not advise. I inquired online. Since then ( 12+ months ) they stated it would automatically come off by XX/XX/2019. I am still being charged {$75.00} every month. The mortgage balance is {$210000.00}, the home value is {$290000.00} and the original purchase was {$270000.00} with {$40000.00} down payment. They want to charge me another {$500.00} to remove this PMI!
03/02/2018	Yes	Mortgage VA mortgage	Trouble during payment process	MI 48348	Web	Servicemember
On the morning of XX/XX/XXXX, after identifying a large increase in our automatic payment amount. I requested a copy of an escrow analysis through the online Document Request section. As of the date of this complaint, I have not received communication or the document requested. The information sought by my wife and I ( borrowers ) is the escrow analysis that changed our payment from {$2500.00} to {$2800.00}. Roundpoint never notified us of the change prior to or after changing our payment. There are miscellaneous changes to escrow on the following statements that were not and have not been communicated to us other than mysteriously showing up on our statement. Escrow Advance Recovery of - {$690.00} on XX/XX/XXXX Escrow Advance of {$450.00} on XX/XX/XXXX Escrow Advance Recovery of - {$450.00} on XX/XX/XXXX The maintenance of our escrow account is now a re-occurring issue that is negatively affecting us. These constant changes to our payments could be considered unfair, deceptive, or abusive. Not to mention, the lack of communication violates federal regulations. While we fully understand that changes can occur to taxes, we notified Roundpoint Mortgage Servicing Corporation of your errors in calculating our escrow. You ( Roundpoint ) insisted on refunding us what you incorrectly considered a surplus. This was against our recommendation as evidenced in a submission of a compliant to the Consumer Financial Protection Bureau - Case number : XXXX. As you will see in that complaint, Roundpoint Mortgage Servicing Corporation routinely fails to inform us of changes to our escrow account. We are now required to pay extra to refund the escrow. If this was a few dollars I would understand but it is a difference of hundreds of dollars, which again, is unfair to us. Your escrow analysis needs to determine our payments for the next computation year. Which you are failing to do based on the ever-changing escrow payments.
04/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95747	Web
I was on Forbarrance while home schooling my small child during Covid 19 and was on XXXX. Once schools reopened I took a temp job and told my mortgage company I could resume my monthly mortgage so they took me off the forbarrance. I returned making my payments and was told the lump sum was deffered. About 3 months into re-entering the work place while XXXX was still at its peak a co-worker came to my office sick and exposed everyone. Days later I XXXX XXXX XXXX XXXX was sent home to quarrantine. I was not allowed to return to work per state mandate until I was recovered. Unfortunately I missed almost 4 weeks without pay. So XXXX payment was mailed 5 days after the due date. I called Roundpoint ( the Servicer ) and explained how ill I was. They told me to send a hardship letter and that things would be ok. A few weeks later Roundpoint sent me a Default letter demanding I pay the forbarrance money back or they would forclose. The total was XXXX. I panicked and call the servicer asking for my options on the late pay. They told me to submit another borrowers assistance application so I did. That was in XXXX. In XXXX they sent me a letter saying I was approved for a Flex Modification and more documents were going to be mailed. Days went by and I didnt receive anything so I called to make my payment. The customer service rep told me not to make a payment until they were done with my application? 4 more weeks go by and I called to make a payment and speak to someone about the status. I got no answers and conflicting information at Roundpoint. As of right now I do not know if they are forclosing on my home or just playing games so that I miss more payments.. I am a single mom and scared. My family has been through so much with XXXX and I am back working making more income than I did when I purchased the home 7 years ago. Can someone please help me. I can not loose my home. There must be some kind of mistake.
05/10/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 48322	Web
I refinanced a loan from Roundpoint to XXXX XXXX XXXX XXXX bought out Roundpoint so, effectively, they are the same company/entity. The payoff quote was pulled on XX/XX/XXXX and that is what they based the loan on - the balance on XX/XX/XXXX was {$210000.00}. The loan was to close mid XXXX so I I made a payment to Roundpoint for XXXX in the amount of {$1400.00} that posted on XX/XX/XXXX - the day after the payoff quote was pulled. As such, that payment was never applied to the new loan nor refunded to me. Roundpoint owes me that XXXX payment back. In addition to the missing payment, they have added on {$1600.00} in interest to the loan amount. On XX/XX/XXXX, the balance on the Roundpoint account was {$210000.00}. Interest of {$1000.00} was added into the loan amount bringing the total to {$210000.00}. This amounts XXXX for XXXX days they will not provide the dates this interest is for? In addition to the interest included in the payoff amount of {$1000.00} XXXX as shown above ), there is additional interest of {$370.00} added at $ XXXX, bringing the loan total from {$210000.00} to {$210000.00}. This amounts to XXXX days - they will not provide the period/dates this is for. In addition to the interest included above XXXX {$1000.00} and {$370.00} XXXX, I am paying additional interest on the new loan at $ XXXX from XX/XX/XXXX - XX/XX/XXXX totaling {$290.00}. I've made numerous calls to Roundpoint to straighten this out and they have not been able to explain or provide a breakdown of the loan, transferring me to more people, disconnecting my calls, and having me contact XXXX, who has not responded to my queries prior to closing the loan nor the loan balance, the disbursements, or the escrow, etc that explains how they arrived at the loan amounts. In addition to the above, I was told by customer service that the loan amount paid to Roundpoint by XXXX XXXX was different than any amount listed above.
01/22/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	UT 84105	Web
In XX/XX/2018 I purchased a home in XXXX XXXX XXXX, Utah. Roundpoint bought my mortgage so I did not choose to do business with them. They have been difficult to deal with from start to finish. The most recent example when I tried to do a mortgage recast. I made the application following their procedure to the letter. I offered a very substantial bulk payment towards principal reduction - {$360000.00}. After going through their " rigorous calculation process '' ( their words ) they FedExed me legal documents to sign stating that they would give me a {$0.00} reduction in mortgage payments in exchange for a several hundred thousand dollar principal reduction payment. And for this " rigorous calculation '' they charged me {$300.00}. I should also note that they tried to get me to make the premium reduction payment BEFORE they made a decision about my recast. They say it was a mistake - but their " mistakes '' happen on a regular basis and always in their favor. I also would like to note their bullying tactics to try to get you to purchase their services. I received a very accusatory call asking me why I had not yet made my monthly payment. It was completely absurd as I was WELL within the timeframe I had to make a payment and my check had already been sent. The person on the phone then went on to imply that I seemed like I might have trouble making payments and that I had better purchase the service or risk adverse consequences to my credit rating. It should be noted that in 24 years of home ownership, I have never missed a mortgage payment once. In the best light, this is a horrifically sloppy way to handle financial services. However, I feel there is a pattern here that needs to be addressed. Read the XXXX reviews and look at the recently settled class action suit against them in you will see that I am far from the only person who has experienced these types of issues. XXXX XXXX XXXX
10/17/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AZ XXXXX	Web	Older American
My VA loan was transferred form XXXX XXXX to RoundPoint mortgage on XXXX/XXXX/16. the escrow account was short and the property taxes were due. RoundPoint allowed the taxes to become delinquent and I was assessed additional interest. I paid the taxes myself on XXXX/XXXX/16 when I learned they were not paid. RoundPoint submitted a tax payment about XXXX/XXXX/16 and it was returned to RoundPoint as no taxes were due. RoundPoint did not return the refund to my escrow account, and as of XXXX/XXXX/16 my escrow funds are still not returned to my account. The second problem arose on XXXX/XXXX/16 when I discovered that my payment submitted on XXXX/XXXX/16 had not been applied. Believing that the payment had been lost in the mail, I submitted an ACH payment so I would not be assessed a late charge on my loan. On XXXX/XXXX/16 RoundPoint applied my XXXX/XXXX/16 payment, and took a full months interest and escrow charges from that payment. Since I had just made a full payment on XXXX/XXXX/16 this was a gross misapplication of my payment on XXXX/XXXX/16. RoundPoint had only earned {$17.00} interest, and my escrow account had been fully paid for the month of XXXX. All but {$17.00} should have been applied to the Principal balance on my loan, but it was not, and the lender has not contacted me to determine how I wanted the excess funds applied. Having had one bad tax experience with RoundPoint, and knowing that I am ultimately responsible for my taxes whether the lender pays them or not, I paid the first half of my 2016 taxes on XXXX/XXXX/16. RoundPoint subsequently submitted a payment for the taxes on XXXX/XXXX/16. this payment will also be returned to RoundPoint as there are no taxes due at this time. It is my desire to get the payments I have previously paid applied properly to my loan, and the funds that RoundPoint has been reimbursed for payment that were not due be restored to my escrow account
04/17/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 026XX	Web
Roundpoint Mortgage staff made a mistake to my mortgage for a year. They purchased two home insurance policies for me. One was from XXXX XXXX XXXX represented by XXXX XXXX ; the other one was from XXXX represented by XXXX under XXXX who reached out to me through Roundpoint. I had home insurance with XXXX XXXX during the period of XXXX. On XX/XX/XXXX, after reviewing the XXXX insurance policy emailed to me by Roundpoint & XXXX, I replied that Ill renew my home insurance with XXXX. ( Please see the 1st attached PDF file of this email tread ) I also called the office of XXXX XXXX to cancel my policy with XXXX XXXX. They asked me to send a written statement by email. So I did. On XX/XX/2021, I submitted a written cancellation request when the new XXXX XXXX XXXX XXXX reached out to me. I didnt answer all the sales questions and traps because that was what they had been doing to me already for a few weeks. ( Please see the 2nd attached PDF file of this email thread ). It was clear that my written request was received by the Client Manager at XXXX XXXX. However, after I submitted my requests for cancelation, on XX/XX/2021, Massachusetts Property still sent out a bill of {$1900.00} to Roundpoint for the coming term of XXXX. To make the situation even worse, Roundpoint paid this bill without sending me any notice. A few days later, on XX/XX/2021, Roundpoint purchased another insurance for me from XXXX and noticed that I had new home insurance with XXXX. From then on, all I could see was that I only had one insurance company with XXXX. However, I noticed the increased monthly payments and finally found out I had two insurance policies. Unfortunately, this mistake had been with my mortgage for a year. Regardless of all the stresses and worries, I hereby request the return of {$1900.00} to me. I would be very appreciative for all the help from your customer service professionals. Thank you!
03/08/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	WA 981XX	Web
Hello, I have a loan with Roundpoint Mortgage Services ( www.rpmservicing.com ), Loan # XXXX. On XX/XX/XXXX, they force placed insurance on my mortgage without notification. This amount is ~ $ XXXX/month, additional. I have made weekly phone calls since XX/XX/XXXX and continue to get the runaround. I have insurance both on my condo interior and the condo building has a master policy. In most recent interactions, I called Roundpoint multiple times in XX/XX/XXXX and spoke with two individuals from the Insurance department : XXXX on XX/XX/29 collected my insurance broker information and contacted the master policy broker for the details requested. XXXX indicated that I would receive a refund for the force placed insurance once the documentation be obtained. I called back on XX/XX/2 and spoke with XXXX. He confirmed that XXXX received the documentation and a refund should process in 7-10 business days. I have since not received a refund. Since XX/XX/26 through XX/XX/1, I called the Insurance Tracking dept everyday and would stay on hold for over 1 hour until I hung up. I called the main Roundpoint line on XX/XX/1 and spoke with a rep named XXXX. XXXX confirmed that no documentation confirming my insurance was captured on file or any record of my phone calls. She admitted that Roundpoint had recently changed their insurance servicer, therefore all prior information communicated went obsolete. She instructed me to resubmit my insurance documentation via email, which I did, and call back in 3 days. I have since called back numerous times and can not reach the insurance dept or a human to confirm receipt. I have also sent two requests to Roundpoint via email requesting resolution and have not received a response. I desperately need help as there was no need to forceplace an insurance policy on my mortgage and a deficit of $ XXXX monthly is much higher than I can afford to sustain! Thank you.
02/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19355	Web
I received an escrow analysis from Roundpoint in XX/XX/XXXX for my XX/XX/XXXX property taxes. I reviewed the analysis to find that city/ village tax was miscalculated. I sent additional information ( i.e., actual tax bills for XX/XX/XXXX ) to Roundpoint showing the actual payments for my city/ village tax was incorrectly calculated on or around XX/XX/XXXX. For almost a month they told me that they were investigating the issue and that a new analysis would be run. A new analysis was run without taking into consideration the information I had sent to them. I followed up again the last week of XX/XX/XXXX to be told that they were still investigating the issue, but that it would be resolved by XX/XX/XXXX. XX/XX/XXXX, passed and the issue was not resolved. I called the first week of XX/XX/XXXX to speak with customer service again. They told me they couldn't fix the issue without a new tax bill. I called the local tax collector and explained the situation. She explained to me that the new tax bills would not be printed until the first week in XX/XX/XXXX, but would send me detailed information in an email to forward to Roundpoint. She sent me that information and that same day I forwarded that information to Roundpoint. Her email explicitly stated that if Roundpoint had questions she should be contacted directly. They never contacted her. I followed up again today XX/XX/XXXX, to be greeted by a rude customer service representative who had no clue how to resolve the issue and refused to assist me further. Roundpoint has overestimated my city/village tax by 50x what they actually will be for the year. The tax bill for the year is estimated to be {$100.00} per year. They are actually calculating it to be {$5700.00} for the year. They refuse to resolve the issue and as a consequence, my monthly payment will go from {$2300.00} to {$3100.00}, which increases my monthly payment {$870.00} per month.
06/28/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	IN 46516	Web
Hello, I am writing to you today ( X/XX/17 ) to file a complaint against a mortgage company called ROUNDPOINT, out of XXXX, NC. This was my mortgage company, until we sold our home on XXXX XXXX, 2017. My mortgage was paid off and we finance a new home through a new mortgage company. At the time that my home was paid off in XX/XX/XXXX through Roundpoint my escrow was also renewed. My realtor had me contact roundpoint to see if they owed me a refund. Turns out they do. Approx {$430.00} worth. It is now almost XX/XX/XXXX and I have still yet to receive my refund from them. I have been given the runaround from them, they have told me they have mailed me a check, then I was told they did n't mail me a check so then they mailed me another check, I still have not received it, so then I called them back again so they issued another check, still did n't receive that one. I did however receive from them in the mail a " congratulations your home has been paid off. '' So I have managed to get mail from them, just not my refund. I called them last Thursday which would have been XX/XX/XXXX, and I threatened them that if they did not overnight me a check that I was going to file small claims court charges on them. The gentleman on the phone PROMISED ME that they were going to overnight me a check. Here it is Tuesday and I still have not received a check. Today is XX/XX/XXXX. I called them back again and the lady on the phone told me that they mailed me a check Friday ( X/XX/17 ). And then I should be receiving it sometime this week or next week. And I informed her that this is the fourth time that they have tried to send me a check that I am not receiving. I do n't know what else to do and I 'm looking for help. I am ready and willing to file small claims court charges effective immediately unless I receive my money in 48 hours. XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX XXXX Roundpoint acct # XXXX
02/21/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	VA 23321	Web
In XXXX XXXX, we submitted our 1st hardship package to Roundpoint Mortgage as we had fell behind 1 mth. They continually lost paperwork, never called, or sent out letters ; unless I contacted them first. During the process, we were repeatedly told us that it was approved, and docs were being processed and would be mailed out. Later we find out we were denied, 1st letter stated that our only option was short sale or deed in lieu, as income was insufficient for other options. When I called to find out why, I was told to reapply. So, yet again, I submitted package. As this was in review, I spoke several time to loss mitigation and was told that, payment would not be accepted and they even went as far as locking us from our online account. During this review, we were informed by XXXX XXXX XXXX that they had submitted the home to foreclosure ... ... DUAL TRACKING ... .while we were in review for loss mitigation. Once I involved the VA, things appeared to be moving along. Then they continued with needing additional paperwork, which was submitted and EVERYONE giving me different answers, as our Point of Contact was never available. Finally, when we did receive our modification, it was {$30.00} less than our regular payment and that was due to a decrease by XXXX interest and taxes. Which, we took as we had no other alternatives. I was told that after modification was complete, credit would be rectified, as " missed '' payments were added to the end of the loan. After we submitted all the notarized paperwork in XXXX XXXX, I was informed that to this day we are still in active mitigation. I asked why and NO ONE can explain it. Due to their delays, we had to have a Monitored Disbursement on a Homeowners Insurance Claim and the Contractor was furious due to being told 1 thing and someone else saying otherwise. Credit has NOT been rectified as stated and we are still sitting in Active Mitigation.
08/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30045	Web
In XXXX 2016, I filed for a modification. My single point of contact was XXXX XXXX. Once all of my documents were received and processed, I was told that my modification worked on a 3 month trial run and that I had to make those 3 months on time and then it would go permanent. I was also told that my 1st payment was n't due until XXXX XXXX. That left me open for XX/XX/XXXX & XX/XX/XXXX. I asked XXXX XXXX several times on more than one occasion and another rep that I called in and spoke with about those XXXX in between payments. My question to them was did I have to make those payments and with me missing those payments would that be reported to the credit union as late since I 'm doing a modification. I was told by XXXX XXXX and another rep, that what happens is once your modification goes permanent, they would go back and update the months from XX/XX/XXXX to reflect current. I am now trying to get a loan to update some things around my house and the credit bureaus are showing me as 6 months late. I have not been late, as a matter of fact, my mortgage is paid before the XXXX of the month. I 've since then ( in the last 2 weeks ) have been calling Roundpoint and getting the run around and also being told there 's nothing they can do because I was misinformed. How dare they! So now, I 'm being penalized because you have people misrepresenting your company. I told them several times, if they documented my account they can go back and listen to all of the recordings to see what I was told. My sister cosigned for me on my loan there 's no way I would mess up her credit along with mine. Now they do n't want to correct what they 've messed up. I can show bank statements where my note has been paid on time and if they can produce the calls you will clearly hear them tell me that they will go back to update that information. This is bad business and they act as if it 's not an issue for them.
06/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75063	Web
Round-point mortgage co included escrow account without my approved knowledge I pay my taxes on XX/XX/2022, I was paying {$920.00} as my mortgage regularly for past 8 years without any problem, Round-point mortgage did the analysis more than my mortgage payment, mean while {$1200.00} I right way I stop escrow account with Round-point mortgage they agreed to stop, because analysis over estimated by {$700.00}, I paid my taxes and insurance by myself for past 10years from the day I bought my home. They sold my mortgage to XXXX XXXX without sending any notice Now my mortgage payment is {$2300.00} over estimated the scam analysis done by Round point. They ask to refinance they can pay for upgrade my home they were harassing me for while I told outright to stop my escrow and stop calling me for upgrade and refinance which was stress for me from Round point mortgage CS personal, My mortgage payment which I sending to XXXX XXXX goes to suspense Account I dont know what that is, I like file a complaint regarding Round point mortgage unprofessionalism, the stress strain and sleep less night emotional physical distress I go thro every day because of Round point mortgage bad customer service I was loyal customer to them past several years. They did not fix the problem instead they sold to XXXX XXXX without any notification, I was talking to Round point mortgage till XX/XX/2022 paid extra {$1300.00}. On that day they didnt mention they selling my mortgage to a different co, After I could not contact them by phone, I send letter by mail no response. I did not sign any documents with Round point mortgage for escrow I paid my taxes, for this year for last 8 years I been paying without any problems. Please fix my problem ASAP. Please reprimand Round point regarding and stop corruption and screwing customers lives. Round point Acc no : XXXX. XXXX XXXX Acc NoXXXX. XXXX XXXX XXXX XXXX TX XXXX.
01/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 99203	Web
In XXXX of 2015, a company called Roundpoint acquired the mortgage on my rental house. During the transition of payment from XXXX to Roundpoint I had been instructed by Roundpoint on how to set up our monthly payment on Auto pay. I was at that time paying automatically through my online banking with XXXX to make this monthly payment to XXXX. The process I followed did not get completed properly and my XXXX payment did not process. I was not aware of this until notified in XXXX of the missed monthly payment for XXXX. When this was brought to my attention, I immediately made payment to Roundpoint for the XXXX and XXXX payment simultaneously bringing my account current. This unfortunately did not forgo them reporting me as being 30 days late to the credit bureau for missing the XXXX payment. I contacted Roundpoint to explain what happened and that this was an error on my part but was in no way being negligent in my obligation to pay. After their further analysis of the situation, although they understood the circumstances, they told me that their reporting was justified and that they would not change their reporting to the credit bureau. I am hoping that you will consider these events as out of the ordinary as I have excellent credit and have a history of paying my bills on time. When you look at our history of payments on this mortgage, you will not find a month, prior to XXXX 2015, where we missed a payment. We also receive $ XXXX in rent for this property and have ample funds to make the payment. My complaint here is that Roundpoint would not make an exception and realize that this reporting should not stand and affect my business expansion capabilities. They were not quick to help, they were quick to let me know that they reported properly and that nothing I could say do or dispute would change that. They were only quick to let me know that they did everything right.
02/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22314	Web
A year ago when I learned about the new property tax rate for my property, I called and asked Roundpoint Mortgage Servicing Corp to immediately review my escrow account and make an adjustment accordingly. Apparently that never happened. Now, I am learning my escrow is projected to have a shortfall of more than a whopping {$800.00}. This is an outrageous amount, and it reflects a pattern of negligence at this company. Not only did they fail to perform the review LAST YEAR, they also previously lost the paperwork when they acquired servicing rights to my mortgage and claimed that neither I, not my building, were insured. They also previously failed to properly inform the city where I live and my insurer about the fact they had acquired the mortgage servicing rights. This is now the second time I have complained about the company and its overall lack of due diligence and care. It failed to perform my request and I immediately demand that the company review the escrow about EVERY SPRING - once we know the new tax rate for the City of XXXX. Ironically, they are telling me this XX/XX/XXXX, just a few months before a brand NEW tax rate will be kicking in for 2017. Given the timing of this annual review process, it means that they will inevitably fail every year to properly adjust my escrow payments to keep pace with the taxes in my city. This needs to be done at the time the new tax rate is approved by the City Council - which is precisely what I asked for last year. I truly believe this company needs to be thorough examined for compliance by the CFPB. I have a strong suspicion, based on my interactions with them to date, that there is a very strong chance they are not complying with federal law. I also want consumers to be aware of the problems with this company ( which also include major challenges getting anyone on the phone when you call the customer service line ).
04/12/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78230	Web
This is in rebuttal to previous complaint XXXX against RoundPoint Mortgage. First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. The one issue that raises the biggest concern is this- You service the loan for XXXX and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume that XXXX would not want you to reflect accurate reporting of this loan. I quote - '' The investor of the loan did not request we stop reporting the account to the credit bureaus. As such, we reported the account to the credit bureaus. '' Hello? Someone pick up the phone or send an email to legal department, i.e.. XXXX XXXX and ask the question ... .. If accurate reporting is the ultimate goal here, can you see why it is wrong to report me as delinquent for 180 days or more when 1 ) there seems to be no indication that XXXX was in the know on this and 2 ) I was n't in the know on this? Did I receive or can you show where I acknowledged by signature or any other legal means of proof that I was informed of this loan being reported as delinquent because I came out of a forbearance status? In fact, it was not a forbearance status at all. It seems this was just a category to drop this loan into when XXXX agreed to partner with me in litigation against the builder. Again, if accurate reporting is the goal here, BLOCK all months and accurately report what it truly was! This is not because I could not pay or would not pay! So ask yourself, does it reflect accurate reporting? Lastly, why does it take 4-6 weeks to change what you have already admitted has been erroneous reporting?
09/06/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX XXXXX	Web	Servicemember
On XX/XX/2018 my home was sold at XXXX County, XXXX to a XXXX Real Estate Investor in which he was XXXX. Why did Round Point Mortgage sold my house to a XXXX investor? To make it look like there is no Discrimination and Retaliation? XXXX Investor name is Mr.XXXX XXXX, he has text me and email me to vacate my once owned home and he has already file with the court to put me out on the street of XXXX as a XXXX XXXX XXXX and with a XXXX XXXX. My home was foreclosed and sold on XX/XX/2018 during a VA Loan Modification and Round Point Mortgage used their Law Firm to bully me and put the house for sale at the aunction. Round Point Mortgage and Mr.XXXX XXXX never provide me any documents on my home sold on XX/XX/2018. Round Point Mortgage law firm did their research on the Appraisal Value inflated by XXXX XXXX and XXXX XXXX XXXX of Texas to make a profit in 2015. My VA Loan was corrupted, fraudalent and in a scandal and Round Point Mortgage had to quickly sell the my home to cover up the corruptions. I email the XXXX, Texas and XXXX XXXX about the VA Loan corruptions of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Round Point Mortgage. Does Mr.XXXX XXXX has a business partnership with Round Point Mortgage and their Law Firm? How much was my home sold and why I didn't get a restitution so I can find me a home to Nurse my XXXX XXXX.? I am not moving out of the house until I get a restitution for my new relocation to another state. I want a official letter from Round Point Mortgage Law firm in stating that no negatives will be displayed on my credit report with XXXX, XXXX and XXXX and no debt of home will be recover as I had a Bankruptcy Chapter XXXX. I will release the keys and home once my request has been implemented and any restitution should be sent to Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.XXXX XXXX ' I will be moving to XXXX.
06/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MA 018XX	Web
A former servicer failed to respond to a timely Request for Information and Notice of Error concerning improper handling of a modification application and transfer. On XXXX XXXX, XXXX, Roundpoint Mortgage Servicing Corp. received the borrower 's RFI and NOE according to USPS tracking of the certified mailing. An acknowledgement notice was sent by Roundpoint on XXXX XXXX, XXXX indicating receipt of the RFI/NOE on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Roundpoint issued an extension notice until XXXX XXXX, XXXX for its response. ( While the XXXX XXXX notice was in the mail, the borrowers sent a NOE on XXXX XXXX complaining about the failure to reply to the RFI/NOE. ) No response to the original RFI/NOE has been received and it is 8 days after the XXXX XXXX deadline. No response to the XXXX XXXX XXXX has been received. The original RFI seeks a copy of the loan transfer schedule that Roundpoint made when it transfered servicing of the loan in XXXX XXXX to XXXX XXXX XXXX. The RFI also requests other documents relating to the transfer of the borrowers ' loan. The original NOE concerns the possible failure of Roundpoint to list the borrowers ' loan as a HAMP eligible loan at the time of transfer. The borrowers had submitted a HAMP modification application to Roundpoint prior to the transfer and had not received notice of eligibility or ineligibility for HAMP. The NOE requested that Roundpoint correct for this error by amending the loan transfer schedule to list the borrowers ' loan as a HAMP eligible loan. Prior to the RFI/NOE, the borrowers had made a request to XXXX XXXX for a HAMP Modification, but XXXX denied the request because the loan was not listed as HAMP eligible at transfer and XXXX is not a HAMP participant. The borrowers desire a HAMP modification to preserve homeownership for a property that they have lived in with their family for 31 years.
02/20/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 71111	Web
On XX/XX/XXXX, I switched to XXXX XXXX for my homeowner 's insurance. RoundPoint Mortgage didn't pay them. I called once each month to get the problem resolved. XXXX just kept sending bills. I was cancelled three times as RPM refused to pay XXXX ; they then became in arrears and didn't pay that either. Finally, I got fed up with both companies and switched to XXXX on XX/XX/XXXX. I had XXXX and RPM on the phone at the same time to get everything straight. RPM then decided to pay XXXX AND XXXX (?????. ) They sent me a letter saying that my escrow was in arrears and I would have to " pay it or else. '' I called them and they told me it was MY responsibility to get a refund from XXXX even though it was THEIR error. On XXXX XX/XX/XXXX, I paid them {$270.00} and was " assured '' all was well. Two days ago I received a bill saying that I owed an additional {$490.00}. Of course I called them yesterday and inquired as to why I owed additional money. They couldn't give me an answer other than " you just do. '' This call took thirty-eight minutes and twenty-seven seconds. I asked to speak with management and was told " they are all in a meeting. '' I was assured that one would call me back ; which we all know never happened. I called my closing agent to find out what my rights are. She told me it would be more costly for me to refinance for ten years with another company. She informed me to demand that my insurance and taxes be removed from my loan and to report this company to you. I have signed and emailed them an Escrow Waiver. They don't know what they are doing, their notes don't make sense to them, and they are completely disingenuous. They have caused me a great deal of stress and I still don't have this issue resolved. Please prosecute them to the fullest extent of the law. They truly deserve worse. Thank you for your time and consideration.
05/04/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 750XX	Web
I financed a home with Roundpoint Mortgage in 2015 and subsequently refinanced with XXXX XXXX XXXX for a better offer. XXXX XXXX XXXX requested a payoff in XXXX and after going through the normal refinance process, XXXX XXXX XXXX paid the amount stated on the payoff statement generated by Roundpoint Mortgage. In the middle ( or so ) of XXXX 2015 I got a letter from Roundpoint Mortgage stating that my payoff was short and that I still owed roughly {$4000.00} and when I inquired ( over several months of trying to hash this out ) I received conflicting stories. I went back to the title company to inquire as to what happened and they were uncertain given that they transmitted precisely what the payoff requested. In short, it was only later that we all found out that Roundpoint Mortgage paid my taxes and insurance ( which they should have ), but admitted that they erred in not including the escrow account in the payoff statement and subsequently they blamed the title company. Both the title company and Roundpoint have washed their hands of the matter pointing the finger at me to pay on a house that I do n't even own anymore ( it was sold with a clean title ). Bottom line is these clowns are ruining my credit instead of owning up to the omission on their part. I even went so far as to suggest we ( myself, the title company and Roundpoint ) split what they feel is owed so we can wash our hands of the matter and Roundpoint said no - pay up, its not our fault the escrow account was n't included in the payoff and even we n't so far as to send me a caveat they have on all payoff statements that fundamentally states that they reserve the right to skim off the payoff received to cover any shortages ... fine, but should n't they have at least notified all parties involved instead of shorting the payoff and them coming back as if we all were in the know?
03/17/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92530	Web
Initiated refi with Roundpoint Mortgage XX/XX/XXXX, called a week prior to loan transfer to inform County Taxes ( 6 months ) and Hazard Insurance ( year ) was paid last month. XX/XX/XXXX Roundpoint paid County Taxes and Hazard insurance causing a " shortage '' in our account, i informed them of their mistake they said they would take care of it and request refund and place fund back into escrow balance. XX/XX/XXXX, Roundpoint sent us a notice that our mortgage was going up due to a " shortage '' in our escrow account. I had to call and inform them of their mistake and that our account had been refunded our County Taxes and Hazard insurance ( {$4300.00} ). They informed they would run a new escrow analysis since fund had been returned but not accounted. XX/XX/XXXX, escrow analysis was never completed. Called again, Roundpoint informed they would run one asap. XX/XX/XXXX, Roundpoint has an overage in our escrow account ( over $ 2K ), taxes have not gone up and hazard insurance has not increased, yet Roundpoint withdrew an extra amount to cover for a " fictions escrow shortage ''. Contacted Roundpoint, they never apologized and still initiated the extra amount for XX/XX/XXXX to cover for a non-existent shortage. XX/XX/XXXX, Roundpoint sent us a check with excess amount owed back to us causing a real shortage in our escrow account and causing our mortgage to go up! These people are totally incompetent when it comes to numbers and escrow accounts! They have illegally raised my mortgage when my fixed rate can not change and my County taxes and Hazard insurance has not increased. I have only had their " service '' four months and they have not got ANYTHING right, i have had to call every other week to request promised excreted analysis be done and demand my payment return back to what it was locked in at. AVOID this company.
04/13/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32940	Web	Older American
At the beginning of XXXX, my previous mortgage servicing company XXXX XXXX, notified me that loan servicing was being transferred to Roundpoint Mortgage Servicing Corporation, effective XX/XX/XXXX. I had already sent my XX/XX/XXXX to XXXX XXXX on XX/XX/XXXX, before being notified by either company of the transfer. I began making monthly payments to Roundpoint XX/XX/XXXX, but they began calling me before mailing any statements, saying I was behind in payments since XX/XX/XXXX ( sent to XXXX XXXX ). After several calls to their customer support, they explained that my monthly payment increased by {$480.00}, due to escrow shortfall, going from {$1400.00} to {$1900.00} per month. Roundpoint also said they would request the XX/XX/XXXX from XXXX XXXX, where it was sent. To date XX/XX/XXXX, I have made 4 months ( XXXX, XXXX, XXXX, XXXX ) worth of payments, from my XXXX XXXX XXXX XXXX XXXX feature, totaling 4 x {$1900.00}, my bank lists transaction dates as follows : XX/XX/XXXX, XXXX XXXX, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} ( special payment to make up 1st 3 payments shortfall ) XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1900.00} The latest Roundpoint billing statement dated XX/XX/XXXX arrived in mail today XX/XX/XXXX, stating I owe {$3600.00} due by XX/XX/XXXX, else incur late fee of {$54.00}. The statement mentions that partial payments are kept in a suspense account, rather than being applied properly. Even if I overpay on XXXX, I am highly suspect that they will apply all payments properly and promptly, and continue to charge me late fees. Other people have reported troubles with Roundpoint, the same as mine, which have been described in reviews here https XXXX XXXXroundpointmortgage.com Roundpoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX -
04/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
My wife and I suffered significant damage to our home During Hurricane Irma in XXXX. Like many others, collecting from our insurance company was a struggle and we ultimately had to pursue litigation against XXXX XXXX to obtain a fair and equitable agreement. We finally settled our claim almost 2 years later. Once we received our settlement check, it was written out to both our Mortgage Company, Roundpoint mortgage Servicing, and ourselves. I got online, opened an insurance claim notice and submitted the endorsed check along with all our receipts to Roundpoint on XX/XX/XXXX. We completed our work and repairs on our home more than a year ago and well before the insurance settlement occurred, paying all our expenses out of pocket and doing most of the repair work ourselves. When I submitted the documentation, I informed them of that and requested an Inspection so the full amount could be released to us as soon as possible. It is now nearly 2 months later ... I have received only 2 phone calls and 1 written communication from Roundpoint with a check for slightly more than 10 % of our total insurance settlement and equal to the amount in materials I submitted as part of my paperwork. During both phone calls I placed to Roundpoint, I asked that they please schedule an inspection to release the full amount. I also asked that they release XXXX of the overall settlement up front as it states in their insurance claim processing documents. Both requests have gone ignored. It has now been almost a month since I last spoke to them or received any correspondence and I feel that the bank is attempting to hold my funds for their own benefit ( and without interest! ). Please help us. We need our funds. The work was completed years ago. We are nearly 3 years since Hurricane Irma and have yet to be made whole. When will this nightmare end?
04/24/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	SC 29715	Web
My wife lodged the following complaint with the XXXX against RoundPoint Mortgage : " Constant issues with our escrow account. They 're raising our mortgage due because they not applying payments correctly. My husband and I had purchased our home in XXXX XXXX, SC in XXXX XXXX. After our closing, the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative, my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account, about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best, misleading at worst. I 'd gladly send you their response along with our XXXX character rejection of their response. In summary, RoundPoint has mismanaged our account, served us poorly, and is, now, attempting to revise the history of our recent relationship through RoundPoint Assistant VP, XXXX XXXX XXXX 's response. I was proactive, did the legwork, performed the research, and endured and educated RoundPoint reps throughout this process. For these reasons, it 's with conviction and zero hesitation that I do not accept RoundPoint 's response to our XXXX complaint.
01/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 700XX	Web	Servicemember
In early XX/XX/XXXX, my mortgage was sold to Roundpoint Mortgage. My mortgage payments includes escrow for flood and hazard insurance. In XX/XX/XXXX, Roundpoint mortgage paid my flood and hazard insurance with my escrow with no assistance from me. In XX/XX/XXXX, Roundpoint mortgage failed to pay my flood and hazard insurance and let them expire without contacting me. Roundpoint mortgage opened two new policies using their insurance company and used my escrow to pay for the new policies. These policies were opened without contacting me. Per Roundpoint mortgage " they did not receive the invoices my insurance company sent them and they didn't know who to pay '' ( even though they paid it last year ). The new policies only cover the structure of the house ; therefore, I have lost contents insurance, loss of use, personal liability and medical payment insurance. I was made of aware of the issue when my house flooded on XX/XX/XXXX and my insurance company told me my policy was cancelled due to non-payment. Roundpoint mortgage is also refusing to provide me copies of the two new policies because the policies are in Roundpoint Mortgage 's name, even though my escrow money was used to pay for them. In addition, it has been 11 days since I filed the flood claim and an agent has yet to be assigned to the case so no one has come to the house to inspect the damages. Roundpoint mortgage did not pay my insurance policies so they would be able to open the new policies and record the revenue for the policies. Roundpoint did not contact me in regards to these changes. Roundpoint insurance has not provided timely inspection of the property. Due to Roundpoint, my family ( including a XXXX year old ) are forced to live in a flooded house with no contents insurance and no future knowledge of when our house will be able to be livable.
03/20/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 180XX	Web
I have been having issues with our mortgage company over the past two years. This started out with our home not being assessed properly, thus raising my monthly mortgage bill about {$700.00} dollars. This was obviously not their fault because of how my house was valued. So, they allowed me to spread my payments out over 5 years, which was a good thing. So, my mortgage went from {$3300.00} to XXXX, to XXXX. I then asked the locality in our area to re-assess our home so that we could lower our mortgage payments. Once that was done, I received a refund for our school , county, and township taxes. I then asked our mortgage company if we sent them a check to go directly to our esscro for our taxes, would they be able to reduce our monthly mortgage payment. The response was that it would go down to around XXXX a month, which i was pleased with. That payment happened in XX/XX/XXXX. When I received my bill for XX/XX/XXXX, it was over XXXX! I called to ask why this was the case, and the response was that they use a formula that specifies what the monthly payment would be based on how much is owed vs. extending the payments, which did n't make sense to me. If someone would have told me that the XXXX payment for our mortgage would have raised my monthly bill, then I would have never made that payment, and I would have been happy to just deal with the XXXX a month payment! And to add insult to injury, I lost my job XX/XX/XXXX. So, I still owe a XX/XX/XXXX and XX/XX/XXXX payment. I 've applied for borrowers assistance from the mortgage company, but I am not confident that they will give me the assistance that I require to get my life for me and my family back on track. I am obviously frantically looking for a job so I can get back to supporting my wife and XXXX kids. Anything that you can do to assist is greatly appreciated!
04/11/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60560	Web
I have been working with Roundpoint Mortgage on a short sale for several months, after working with XXXX on a short sale for a few years. XXXX sold the loan to Roundpoint. The property in question is appraised at XXXX, I have an offer on the table for XXXX. After multiple rounds of providing tax returns, bank statements, pay stubs, and packets of forms including things like the uniform borrower agreement, Roundpoint continued to ask for more and more. Each time they would ask for a document I had already provided - but now they need it on different letterhead, or signed in a different place, or in a different font - it was getting ridiculous. I received a hearing to appear in court with 5 days notice. I appeared, and Roundpoint 's attorney did not. After much legwork it become apparent that the bank either did not confirm the hearing with the courthouse or canceled it, and I was of course not notified. I called the law firm on the summons, and found out the property was scheduled for auction the following Monday, and Roundpoint had not notified XXXX ( who was driving the auction I believe ) that I was actively working on a short sale. This was on Monday XXXX. The law firm looked up my case, and confirmed that if Roundpoint notified XXXX before the auction, they would postpone it. On XXXX, I found out that Roundpoint rejected the short sale offer back on XXXX and sent me a letter, which I have not yet received. The auction is now Monday morning - which leaves me no course of action. Throughout this process I have provided all reasonable documentation requests, while Roundpoint continued to change their requirements. I do n't understand why Roundpoint refuses to work with me. I do n't understand how they can just keep changing their requirements and rules to avoid having to accept any short sales.
07/16/2020	Yes	Mortgage VA mortgage	Trouble during payment process	FL 34653	Web	Servicemember
Round Point Mortgage a Loan servicing company for XXXX XXXX XXXX Adjusted my VA Arm Loan from 1.75 % to 5 % in XXXX of XXXX. My loan was only suppose to go up 1 % a year based off the T-bill rate with a cap of 6.75 after the initial 3 year period at 1.75. This rate at 5 % continued on through XXXX of XXXX before they realized there mistake and corrected the rate back to 2.75 %. The over payments where applied to the principal balance of the loan without giving me an option what i wanted to do with the money. Round Point Mortgage provided me with an escrow analysis dated XX/XX/XXXX stating there would be a shortfall of {$3500.00} in my account. they provided me with options on how to resolve this matter, but i chose to pay the entire shortfall along with the current monthly payment for a total XXXX for XXXX of XXXX. This satisfied the deficiency balance in my escrow account and per the letter ensured my payment would be XXXX instead of going up to XXXX beginning on XXXX 's payment. My auto draft is set up for the XXXX of each month for my mortgage payment. I received notification from Round Point Mortgage on the XXXX of XX/XX/XXXX that an auto draft payment would be made from my bank account for the amount of XXXX. This payment should have been XXXX according to the letter from them back in XXXX. Here i am again being overcharged for my mortgage and i don't want that over payment being refunded into my principal balance. I have called Round Point Mortgage several times regarding this and i was told by a supervisor through the call taker that they would do another Escrow analysis. Somehow the Escrow analysis back in XXXX is wrong and they would need to do another. This company is stealing money from me because they have access to my bank account and improperly managing my loan. Please Help!!!!!!
08/24/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	NY 11710	Web
Today, XX/XX/XXXX, marks the one-year anniversary since I refinanced the conventional home mortgage that was held by RoundPoint Mortgage Servicing Corporation. It has now been 365 full days and I am still waiting for the return of the {$3800.00} that had been held in escrow. The refinance was totally plain vanilla. There were no complexities, and procedurally I did everything exactly right. RoundPoint does not deny this. I have called and emailed RoundPoint no fewer than 25 times over the past year and have wasted at least a dozen hours ( maybe 2 dozen ) over the past 12 months in efforts to get back my money. RoundPoint claims they sent me a check ( way back on XX/XX/XXXX ). The fact is that I never received that check. They claim it was cashed. I know nothing about it. For months I have been jumping through the many hoops they have put before me ( such as signing affidavits and representations to their bank, etc. ) In XX/XX/XXXX they assigned XXXX XXXX ( Company NMLS ID # XXXX ) as my Customer Advocate Specialist, with a promise that the matter would be resolved promptly. I have called her and emailed here countless times over the past six months. She just says she is expediting the matter and that she is waiting to hear back from their fraud department, or that its still being processed, or asks me to fill out more paperwork ( often the same form yet again ). Recently I got a message that she is transitioning to a new role and now there will be a new point of contact assigned to my case. I have nowhere and no one to turn to. I have never seen anything so unfair and poorly handled in my life. Enough is enough. Their treatment of me and my case has been utterly unforgiveable. I honestly believe they are guilty of embezzlement. Can you please help me to resolve this matter? Thank you.
06/07/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33054	Web
FHA XXXX I need to understand if there was an FHA HUD claim filed. I'm showing a claim date in this document of XX/XX/XXXX a sale date of XX/XX/XXXX and a transfer servicing date of XX/XX/XXXX the sales price reflects {$49000.00} while the claim amount shows {$150000.00}. so was the mortgage insurance insurance premium paid to the investor which was HUD? If so and they sold this note to the current investor for {$49000.00} how is the new servicer roundpoint mortgage now seeking over {$260000.00} for this note? A XXXX XXXX has been filed. If a mortgage claim was filed in HUD US Department of Housing and Urban Development and FHA received the mortgage claim funds and the servicer bid on the Note how do I owe them this money? I want an investigation open so that I can clearly understand if I've been violated as a homeowner and a note holder of an FHA loan. This loan has been in default or in trouble since XX/XX/XXXX which was just a year after the note was purchased I've gone back and forth with US Department of Housing and Urban Development FHA the Consumer Protection Finance Bureau in any other government regulatory department to get help. I'm exhausted at this process I have over a hundred emails to State local and government agencies trying to get this issue resolved and now I would like to file suit with the US Department of Justice. I'm wondering how many homeowners in an urban demographic has been treated this way and if there is a double standard with HUD US Department of Housing and Urban Development and FHA. Are they selling the note making a profit as well as receiving claim money for the mortgage insurance? How many FHA loans are orginated to prodominely XXXX, XXXX Borrowers that end up in default and purchased by Private Investors. MERS information is inconsistent as well.
04/05/2017	Yes	Mortgage VA mortgage	Settlement process and costs	GA XXXXX	Web
On multiple different occasions, Round Point Mortgage has been unable to handle my escrow account accordingly. First, once they obtained the loan, I was charged the same amount of money for city taxes as I was for my county taxes causing an additional $ XXXX yearly addition. After providing documentation multiple times over a matter of three months, it was finally rectified. During those three months, all of my emails and secured messages went unanswered. It took upward of ten calls to finally have someone look at it and give me a guarantee that it would be adjusted. Now, I have submitted new tax documentation from the county and the Veteran 's Affair 's Office showing that I am a XXXX veteran. My initial contact was at the end of XX/XX/XXXX and did not receive a response for ten days. Following that, I responded with the same said documents via email. I never heard anything back which prompted me to call them mid-XX/XX/XXXX. After speaking to a representative, he assured me my escrow analysis was be performed by XX/XX/2017. In addition to that, he made sure all of my documents were in order. XX/XX/XXXX comes and goes and there was still no update to my escrow payment nor an escrow analysis performed. I called in again since they never responded to my emails nor my secure messages through their website. I was told the documents I sent in were a blank check and a homestead exemption form. I sent neither of those documents in. Plus, the blank check was for a bank that I am not a member of. I, again, emailed the same documents to the email address provided. There has not been any sort of contact attempts to me to let me know that I either sent in right or wrong documents. My escrow account still has not had an analysis performed, but I was told it would be taken care of by XX/XX/2017.
11/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DE 19901	Web
I submitted a request for the removal of PMI after my loan reached XXXX % LTV ratio in XX/XX/XXXX. I received confirmation of my request on XXXX XXXX, 2015. This stated that they received my request, and that I would receive a written determination within 30 days. On XXXX XXXX, 2015 I received a phone call stating that I had submitted the FHA form, and I needed to submit the conventional. While on the phone, I brought up the form, and confirmed that I had sent the conventional. I placed on hold and the customer representative came back and stated that I had filled out the correct form, but I had not checked any boxes. I confirmed that I had not check any boxes, because none were relevant to me. Again I was placed on hold, and when the customer service rep came back on, she stated that the requirements for removal were a XXXX %, LTV. I stated this was incorrect, my loan documents stated it could come off at XXXX pct, with automatic removal at XXXX pct. Again I was placed on hold. When the representative came back, she asked that I email a copy of my loan documents, which I did. On XX/XX/XXXX, after 3 months of no reply, I called to check on the status. The representative stated that they did receive my request, but needed me to fill out a new one. When asked why they needed a new one, the representative stated some of my information may have changed. I stated the form only asks for my loan number, address, and SSN, which have all stayed the same. Again I was placed on hold. After 5 minutes the representative returned and said they did not have an image of the request. When pressed whether they lost it, she would not comment. After 100 days, I am still at the beginning process of the removal of my PMI. Due to this delay, I have paid an additional 3 months worth of PMI.
02/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 329XX	Web
In XXXX of 2021 I contacted my mortgage company XXXX XXXX in reference to my property being removed from a class AE ( mandatory ) flood zone to a class x. I'm aware that they receive this information from FEMA so I ask them to remove the requirement from my mortgage so I could purchase affordable flood insurance. Round point related that they will not remove the requirement unless I acquire a Location Map Amendment ( LOMA ) from FEMA and provide it to them. I then reached out to FEMA and undertook a challenging process of acquiring a LOMA acknowledging that my property has indeed been reclassified as a zone x. On XX/XX/XXXX and XX/XX/XXXX I uploaded the letter of amendment determination document to XXXX XXXX XXXX XXXX. Since XX/XX/XXXX I have reached out to XXXXXXXX XXXX on XXXX occasions requesting a confirmation that they have received my LOMA and to provide written confirmation that Flood insurance is no longer a requirement of my loan. On every occasion they have needed to resubmit my request and have provided a later date for the LOMA to be acknowledged. My last communication was on XXXX XXXX where they have acknowledged that I have requested this to be done since XX/XX/XXXX on several occasions and they have been unable to complete my request. Round point is unwilling to recognize the FEMA LOMA document that governs the requirement for flood insurance on my mortgage. I believe this is a unscrupulous act which is incurring an unnecessary expense for me and my family. If I have contacted the wrong complaint office, my apologizes, please point me in the correct direction. Thank you for what ever help you can provide, XXXX XXXXXXXX XXXX Loan # XXXX Name on loan - XXXX XXXX XXXXXXXX XXXX XXXX Phone # XXXX XXXX XXXX # XXXX XXXX XXXX ( Please leave a message )
06/12/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PA 151XX	Web	Servicemember
Did not receive any information from one mortgage company ( XXXX XXXX ) that they were being bought out by another mortgage company ( RoundPoint ). Not only have I been dealing with inept personnel from XXXX XXXX XXXX XXXX, but the issue is now haunting me once again with this new Mortgage Co. ( RoundPoint ). With every piece of evidence I have in making a payment by check, to include the image of the front of the check, the back of the check, and the " stamp code '' of the check that I received by bank, the issue is still going on. It 's been a year where I had to battle back and forth with XXXX about how I have all the proof needed for a payment I made that they had lost, and will not own up to their mistake. After countless phone calls, aggravation, and XXXX I had to live through ( and clearly just found out I still am ), I thought this issue was finally fixed. Not only was the issue NOT corrected, but now RoundPoint is starting this nightmare all over again. To add, XXXX XXXX dropped my credit score on 3 different occasions and I had to fight, endlessly, for months to make them put my credit score back to where it rightfully belongs because they could not fix a problem all while I had supported every piece of evidence any would need to realize I was not at fault for a payment they lost in their " processing center. '' To include emails, names, check numbers and amounts with dates, images of the checks and stamp-code for the check. I 'm a veteran XXXX, a XXXX XXXX XXXX, and now that it is XXXX XXXX, 2016 I will, yet again, be contacting the new mortgage lender ( RoundPoint ) to start from square one about an issue that should never had existed in the first place AND to fight to keep my credit at XXXX where it rightfully belongs. This is a major issue that needs resolved!
09/26/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 082XX	Web
To start I had chase and was never notified the mortgage was sold then after I had put a lot of money into the house I had asked to have pmi removed then I was forced to purchase insurance from them then I had fallen behind in the mortgage and was able to get caught up then again I fell behind and they refused to let me catch up they would return the payments eventually I was able to apply for a modification at that time I was advised to tell them I would need them to apply areas to the back of the loan as the payments where going to them on time they sent 1 payment back then requested I start new trial again they refused last payment for modification then offered a third modification attempt this time we sent US Postal with tracking numbers again they said they didn't receive a payment for XXXX and they did not call write email no attempt until XXXX then cashed XXXX 's check sent back XXXX XXXX, XXXX, XXXX XXXX check in XXXX cashed XXXX 's then sent a letter to foreclose after they were notified that the postal service had delivered payment also I notified them of having issues with covid continued payments on time they still charged penalties and fraudulent charges I had the taxes reduced by the township and state they raised the fees I am convinced that they purposely refused payments to foreclose only property also I was never offered any help with alternatives and they did not apply monies paid to the loan and they did not report I have been paying on Time the last year and a half and there is more they were shown proof of payment and won't accept responsibility for the lost or misplaced XXXX payment and now don't want to offer the modification I believe they played with time on calendar to coincide with state expiration of covide expiration thanks for your help XXXX
04/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60056	Web
The mortgage company ( Roundpoint Mortgageg ) misread the Flood Insurance coverage dates for my condo and incorrectly determined I did not not have coverage. They subsequently purchased coverage for my condo and the entire association and increased my monthly payment by {$1000.00}. The coverage is in place via the Condo Association. I have sent the mortgage company the the Flood Insurance policy the condo association has with proof of coverage. They have acknowledged receipt of the XX/XX/XXXX page. I have called numerous times and explained the situation the insurance coverage purchased by the mortgage company be removed and my monthly payment be corrected. I have been told that they will correct the issue and it is still not fixed. Dates below : XX/XX/XXXX - I first called to ask why my payment increased. They stated I did not have flood insurance. I told them this was purchased via condo assoc, They told me to send copy of policy. XX/XX/XXXX - Insurance Company sent me a confirmation that a copy of the policy had been sent to mortgage company via mail. XX/XX/XXXX - I emailed a copy of insurance policy to mortgage company. I also called mortgage company and they said I also needed to submit escrow waiver request. So I also emailed escrow waiver request on XX/XX/XXXX. XX/XX/XXXX - I received an email confirmation from Mortgage company that they had received the copy of the insurance policy. XX/XX/XXXX - I called the customer service number and the rep said the account should be updated within 7 days. It was not.XX/XX/XXXX - I called the customer service number and the rep again said the account would be updated in 7 days. It is still not fixed. It has been over 45 days since I first contacted them and nothing has been resolved. This was their error to begin with.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85338	Web
I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. Roundpoint did not send the bill to the new address, and I had turned autopay off on Roundpoint Mortgage because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. RoundPoint Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. Roundpoint Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.
05/31/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08087	Web
Hello, My issue is with Roundpoint mortgage Co. I recently received an escrow analysis which indicated that we had a escrow shortage. the shortage amount was {$2800.00}. the paperwork provided provided us with options to either pay the total shortage amount or not pay and have my mortgage increase from {$2000.00} to {$2400.00}. I reviewed the FAQ 's to determine what the best financial decision we can make since the shortage amount was large. I as told that the FAQ is subject to interpretation. Unacceptable. Are their answers are not clear. the account information provided indicated only the XXXX options with a breakdown of what the payment was and what the payment would be if we did not pay the shortage. We decided to pay the shortage in full with the understanding based on the paperwork that payment would not change. I called to ensure that my payment was received and I received communication that my mortgage payment increased to {$2200.00}. NO WHERE on any of the documentation did it specify the breakdown of this mortgage payment. I called in early XXXX and spoke to XXXX and her supervisor XXXX and they tried to explain the increase in mortgage payment but could not show me where it is broken down for us on the documentation. I informed them that their company practices was deceptive in providing us with inaccurate payment information and that they prevented us in discussing what the better option financially would be for us. Why would we have used our savings to make a large payment if the mortgage payment would increase by {$200.00}. Makes no sense. I have been a homeowner for over XXXX years and had other mortgager lenders and escrow shortages. Other mortgage lenders paperwork is quite clear. Any assistance would be appreciated. Thank you XXXX & XXXX XXXX
03/16/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 22630	Web
I would like to request the assistance with an issue I have with Round Point Mortgage Service which is servicing my XXXX backed home loan. In XXXX I refinanced my XXXX Home Loan with XXXX which then handed the loan off to XXXX and now Round Point Mortgage Service. Due to a unrelated issue in XXXX I filed Chapter XXXX Bankruptcy due to a divorce however, I did not file against my home and continued to pay monthly mortgage payments as scheduled. I went through the Chapter XXXX repaying all unsecured creditors and satisfied all of the US Bankruptcy Court requirements. The issue came after I completed the Bankruptcy. I contacted Round Point Mortgage Service in reference to my mortgage which took several weeks to get Round Point to remove me from Bankruptcy status at which time they claimed I was 4 months behind on my payments from the beginning of XXXX. I then received a certified letter from Round Point stating that if I did not pay the four months of payments by XXXX XXXX they would began foreclosure procedures. I have contacted Round Point numerous times in attempt to resolve this issue. I have sent them 26 months of Credit Union Statement, Payment History 's from previous mortgage services companies and court documents. My attorney has sent signed documents from XXXX XXXX attorney certifying my mortgage is in good standing. Round Point has still failed to resolve this issue, they have lied about speaking to my attorney and give a different excuse each time I speak to them. I am seriously concerned about losing my home, my federal employment and XXXX benefits due to this issue. I am in hope you can offer assist to me in getting a resolution to this issue I can provide all of my supporting documentation to support fact that I am " NOT '' in default on my mortgage.
11/22/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 08865	Web	Older American
I paid my XX/XX/XXXX mortgage payment of {$1000.00} to Roundpoint Mortgage on XX/XX/XXXX. On XX/XX/XXXX they withdrew {$1000.00} from my account. Then on XX/XX/XXXX they withdrew another {$1000.00} from my account without authorization. This erroneous action threw my account into serious overdraft status of a negative {$430.00} balance which includes multiple {$35.00} insufficient fund fees for each item. I contacted my b bank, but they were unable to help since both payments had already been processed. I contacted Roundpoint Mortgage customer service and was told they could do nothing and I had to PROVE that Roundpoint had made an mistake. They told me to email a copy of Roundpoint 's own email confirmation of my payment back to Roundpoint. I was not given a legitimate email address. The Customer Service XXXX told me to email their own own email confirmation of my payment to XXXX I managed to to track down a legitimate email address and sent Roundpoint a letter explaining their error, along with their own confirmation form and a copy of my bank statement showing the double withdrawals from my account which also included details of the negative amounts adding up in my bank account. Roundpoint sent bank an email acknowledging my complaint and informing me it could take up to 30 days to resolve this financial mess they created. They also told me not to contact them again which would put my complaint to the bottom of the pile and take even longer to resolve. I am in a panic because of Roundpoint. I am a senior citizen on a limited budget, and because Roundpoint emptied out my bank account, I am left with no money for food, bills, etc., and my bank account is seriously in the negative. I find their unhelpful and unresponsive attitude totally incomprehensible.
07/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 460XX	Web
I initiated a mortgage application to refinance a primary property I purchased in XXXX of XXXX. Day of closing my loan officer shows me the pay off from RoundPoint Mortgage Servicing and they are trying to be paid {$1700.00} for " Taxes paid ''. I had a tax proration on my purchase when I closed. I owed the tax proration plus the following year of taxes by XXXX of XXXX. I paid taxes due on XX/XX/XXXX on the county treasures website for the tax proration from the previous year and the entire year due. After calling Roundpoints customer service line about this, they essentially said that they were allowed to charge me what they want without providing any written notice more than once. They kept stating they sent me a letter in the mail saying if taxes were not paid within 75 days they would pay it an force escrow. XXXX XXXX stated the letter was sent out towards the end of XX/XX/XXXX. Roundpoint did not do a check to verify if taxes had been paid or not and sent a check to the county treasures office. Now today ( XX/XX/XXXX ) I am trying to close on a refinance and have to be delayed because Roundpoint will not update their payoff letter today removing their irresponsible charge of {$1700.00}. The front line agent was rude and disrespectful and her supervisor XXXX XXXX upon the initial call was rude and disrespectful as well. Both wanted to talk in circles about them having " the contractual right '' to charge me money with out notice and force escrow. Who is responsible to make sure they aren't irresponsibly charging/escrowing fees to their customers? I am attaching the letter they said they sent and I never received. Also, I will be attaching my paid receipt for taxes paid in XXXX and lastly, I am attaching the payoff I requested for the refinance.
10/02/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77095	Web	Servicemember
My mortgage servicer is Roundpoint. I have had ongoing problems with their escrow and insurance department. Recently, they increased my monthly payments, claiming it was because my insurance rate went up. However, my policy with my insurance agent was set to expire on XX/XX/XXXX, and I am not renewing with that company. I notified Roundpoint of this, and the agent I spoke to on XX/XX/XXXX, XXXX, claimed that their insurance department received a statement from the insurance saying that my insurance was going up {$200.00} per month. I contacted my insurance agent and confirmed that this never happened, and that the renewal estimate they sent me ( not the Mortgage company ) was nowhere near a {$200.00} increase per month. When I spoke to XXXX in the insurance department on XX/XX/XXXX, they claimed the increase was for another home owners insurance policy from another carrier ( XXXX ). I had trouble confirming the policy with that carrier, and had never authorized Roundpoint to pay them. My policy had been through XXXX the whole time. I asked Roundpoint for some proof that I authorized them to make a payment to XXXX, and they could n't produce it. The agent event stated that there was no record that they ever sent me any written documentation or confirmation of the change ( email or regular mail ). She stated they had left me a voicemail message 4 months prior, and because I had not responded to that, they decided to pay and enact the new policy because it was a lower premium, despite no authorization from me. Then they claimed that they were increasing my payments {$200.00} per month to cover the money they sent XXXX, again which I never approved, never authorized, and they NEVER sent me anything in writing to document the change.
02/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02127	Web
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NC XXXX ; Cust. Serv. XXXX, acquired the mortgage on my rental property in XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX, they requested proof of hazard insurance both by mail and by phone, which I provided. XX/XX/XXXX, I received another letter, telling me that XXXX would purchase a " forced '' hazard insurance policy XX/XX/XXXX, because I had not responded. At that time, I called XXXX again and re-sent the Hazard Insurance certificate via PDF/email. The representative on the phone verified that the certificate was received and the policy would not be needed. XX/XX/XXXX, I received a statement from XXXX, showing that {$3400.00} was credited back to my escrow account, as the charge for insurance was reversed when proof of insurance was provided. It appeared the matter was resolved. Then, on XXXX/XXXX/XXXX, I received a letter from XXXX stating that I had a " projected Low Escrow Balance '' and that on XX/XX/XXXX, my escrow balance would fall below XXXX. As such, my automatic payment would be adjusted to withdraw an additional {$140.00} per month to make up for the projected shortfall of XXXX. After speaking to XXXX uninformed and sarcastic representatives on the phone, I was informed that this charge was for lender placed hazard insurance. One employee explained it was because the Insurance company had only credited Roundpoint half of the XXXX charge from XX/XX/XXXX. The second employee told me that I had provided a policy that began on XX/XX/XXXX, and so XXXX needed to purchase insurance ( purportedly in arrears ) for XX/XX/XXXX - XX/XX/XXXX. Neither of these employees could explain why my forced lender policy was approximately 10 times the cost of my condo associations hazard insurance.
09/03/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 454XX	Web
There was a major tornado in XXXX Ohio on XX/XX/XXXX. My husband and I have a mortgage through Roundpoint Loan Services. We had a fire in our home in XXXX, a flood in XXXX and our homeowner insurance dropped us. We were not insured so the mortgage company placed forced insurance. We filed a claim and the forced placed insurance issued a claim for {$83000.00} to the mortgage company for repairs with {$10000.00} for recoverables. Our mortgage owed, not payoff was around {$93000.00} give or take. Our XXXX square foot home is a total loss. We have verbal quotes around {$200000.00} to fix and every contractor states easier to tear down and rebuild than to fix. I requested that Roundpoint uses the funds received to payoff the loan and eat the {$15000.00} since they under insured the forced placed coverage AND the property has PMI coverage, they will get their money but I dont feel we have to pay {$15000.00} because they under insured their forced placed coverage that we paid for. They called and told us no they will not use the funds to pay off the mortgage and has started sending foreclosure documents. Also we are actively seeking help from XXXX and the XXXX however this has been a slow process. Now the home is full of XXXX mold, they didnt tarp the home when we called the mortgage company. We called countless times asking for their insurance to help and our home is in worse shape. There should be no issue with them using the money in the escrow/ suspense account, pay off the loan while we are trying to get help with a loan to repair with the XXXX XXXX They are tearing up my credit by not using the funds to pay off the loan and I do not understand why my loan can not be paid off. Any assistance would be helpful
06/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 15237	Web
To whom this may concern, This notice of complaint against RoundPoint Mortgage is begin submitted to all regulators of the company. This complaint is due to the mortgage lender not making tax payments in a timely manner, resulting in late fees and delinquency notices to be sent to me by the tax authority. I reached out to RoundPoint regarding the error and ended up paying the property taxes myself to avoid further legal action. This payment was over {$6000.00} that came from my bank account and should have come from the escrow that Ive been paying into in accordance with my responsibilities. I contacted RoundPoint several times beginning in XXXX. They admitted that this was a mistake on their end and that they would reimburse my account for the late fees and payment made, and send a check to me returning the {$6000.00}. It is now XXXX and this payment still has not been made. If I didnt make the correct payment that was owed, and continued to not pay for over a month, I would be charged large late fees as a percentage of my payment each day. And yet they have not paid an amount THREE TIMES what I typically would owe for OVER A MONTH and have no consequences for this. This is unacceptable. People do not have THOUSANDS OF DOLLARS laying around in excess to pay for the mistakes of mortgage servicers. I do not have thousands of dollars to fund RoundPoint for not doing their job. This money could have been accruing interest via various investment means and is creating further loss and damage to me each day. These actions are in violation of the Pennsylvania Department of Banking and Securities ( DoBS ) 10 PA.CODE CH. 59 regarding timely escrow payment. Please advise corrective action. Regards, XXXX
07/13/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 774XX	Web
In XX/XX/XXXX my wife opened our monthly statement from Roundpoint Mortgage to pay our bill. To our surprise, our payment had nearly doubled, jumping from $ XXXX/month to $ XXXX/month. We immediately called Roundpoint thinking we missed a payment somehow. The gentleman in customer service told us we had a significant escrow shortage of {$17000.00} dating back to almost the inception of our loan XX/XX/XXXXwhen we had our home built. I asked how could this be? We are current on our loan, paid every penny that we are billed. His explanation in a summary was, we were paying an incorrect sum towards escrow for two years and Roundpoint was paying the difference out of pocket. According to the service representative, they had been trying to reach us but admittedly had a wrong phone number on file. No certified letter, no face to face representation, no phone call to warn us of our situation. We were completely blindsided. We were left with few options ; pay, sell, or do a loan modification. We are not in a position to pay {$17000.00}. A loan mod stretched as long as possible still would not get our payments down to a reasonable rate. So that left us with sell. We have been on the market for a little over a month with a few interests but nothing extremely potential. Earlier this week we received a certified letter from a law firm declaring foreclosure status on our residence and we have roughly 60 days to vacate the premises. I can not express enough how sad and disappointed this makes me. Without warning we had our home taken away from us. Thankfully my children are young enough to not completely understand what is going on, but for my wife and I we have taken away the bitter taste of shady financial practices.
07/08/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AR 726XX	Web	Older American, Servicemember
We refinanced our home loan to an interest rate reduction refinance VA loan ( XXXX ) in XXXX, XXXX. Our loan was serviced by XXXX until XXXX of XXXX when it was sold to Roundpoint Mortgage. Our interest rate is adjustable after 5 years, fixed until then. We live in Arkansas where we are qualified for a {$350.00} homestead deduction in our real estate taxes after we have lived in the state for a year. We requested a new escrow analysis due to the break we received from Arkansas. While our insurance increased a little, we should have seen a drop in our payment as our interest rate is the same. Instead of that our payment was raised by over {$100.00} a month. I have called repeatedly since XXXX to get this problem solved. Not only did the servicing person figure the timing wrong for payment of our taxes, they used the figure which included our personal property tax for their analysis. I 've been assured that they will fix this problem several times, that it was sent to a supervisor, etc. Prior to the first of XXXX, when the new payment was to go into effect, I told them I was paying the old payment amount. My call today produced the news that my payment is hung up because it was short and that all the person could do was reopen the escrow analysis ( start over again ). I asked to speak to a supervisor and was on hold so long I asked that a message be given to a supervisor to call me back. I am including a copy of our tax statement which shows the homestead reduction, the due date for payment and the total with the personal property taxes included. We really would appreciate help with this. We are retired and an additional {$100.00} per month is a hardship for us, especially when it does n't make sense. XXXX
09/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MO 633XX	Web
We received an escrow analysis statement approximately XXXX XXXX, 2016 informing us that our monthly payment will increase due to a shortage in our escrow account. Upon review of the analysis statement, Roundpoint Mortgage is attempting to double-bill us for our hazard insurance. I have called them four ( 4 ) times ( beginning XXXX XXXX ) trying to get this straightened out, and always the same answer : we will review and get back to you. No one calls. I have never received a corrected analysis. XXXX each time I call them, it is delayed again. I am not getting a straight answer even when I ask to speak to a supervisor. In fact, the second call I placed and asked for a supervisor, the man with whom I was speaking asked me WHY. We bought our home last year in XXXX. Roundpoint bought our account before our first payment was due. We set up electronic payments through Roundpoint so that they get paid on the first of each month, and we have never been late. We have not changed insurance companies. As you can see on page XXXX of the attachment, our insurance company was paid in XXXX. ( I have highlighted the pertinent information for your reference. ) Roundpoint indicates another projected payment in XXXX, which would effectively put us in the negative. A payment which was never made, nor was it owed to the insurance company. Our agent advises the insurance company received our payment in XXXX ( the {$1200.00} payment ) and never received a second payment. HAD they received the alleged {$1400.00} payment, it would have been returned to Roundpoint. The insurance was paid in full with the {$1200.00}. It is that second payment which they claim they made and took from our escrow that put us in the negative.
12/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07083	Web
My total payment with Mortgage, mortgage insurance, and taxes is {$1000.00}. On XXXX XXXX my payment raised to {$1600.00}. With such a large increase I called my Mortgage Roundpoint Mortgage ) and they claimed my escrow was short due to an increase in taxes. On XXXX XXXX I quickly went to XXXX and confirmed my taxes have not increased. They gave me a copy of my XXXX tax bill and preliminary tax for the first 6 months of XXXX. They also said no tax payment have been made towards a majority of XXXX and none of XXXX. I called back RoundPoint and they looked at where my taxes were sent, XXXX XXXX which is not my township. In addition they said my taxes were more than double of what my taxes actually are. They asked me to email them my form showing taxes from XXXX XXXX and we would use my grace period to adjust this. I emailed the tax document on XXXX XXXX. I had a 16 day grace period. On XXXX XXXX I called back and was informed the new anticipated date for completion is XXXX XXXX. I told them this was unacceptable, I need my taxes paid and I want to pay my correct amount. They said they would " escalate '' this matter and I 'd get a call back Monday the XXXX. No call on the XXXX. I called back Thursday the XXXX and still no update. Again it would be escalated and I should have a call in the next day. RoundPoint Mortgage has been accepting my payment and not paying my taxes. This sounded incompetent at first when they said they were paying the wrong township. The fact they put the burden on myself to prove the amount of my taxes, which I did and still taking over a month to fix this almost feels criminal. My taxes have n't been paid in 5 months and now my mortgage payment is late.
02/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 217XX	Web
I have a mortgage for my home in Maryland with RoundPoint Mortgage Servicing. On XX/XX/XXXX, {$100.00} was deposited in my Escrow account as " Interest on Escrow. '' In XX/XX/XXXX, I received a 1099INT form from my mortgage holder confirming showing {$100.00} interest earned on my escrow account. Given receipt of this 1099INT form and confirmation in my online account information, I included this interest income when I filed my calendar-year XXXX taxes and thus paid taxes on this income. While checking my mortgage status in XXXX, I noticed that a debit had been made from my escrow account on XX/XX/XXXX, marked as a " Miscellaneous Disbursement, '' in the amount of {$100.00}, with no other explanation for this debit. I called the mortgage servicer on XX/XX/XXXX to ask for an explanation. Their phone representative said that the interest payment of {$100.00} on XX/XX/XXXX was " an erroneous deposit for Maryland mortgages '' and was thus deducted from my escrow balance. No other explanation has been offered. In XXXX ( the year my mortgage originated ), I was paid interest on escrow, and there was no indication that I would not be paid interest in XXXX. According to Maryland Code 12-109, interest shall be paid on escrow accounts. The servicer seems to imply that the interest on escrow was a mistake, even though a 1099INT form was issued. There has been no other communication from the servicer that I should either ignore the 1099INT form or that interest may or will not be paid in the future. This could result in large overpayment of taxes by anyone with a mortgage with this servicer, as receipt of a 1099INT form means the filer has to include that income in his/her tax forms.
02/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28269	Web
Once again Roundpoint Mortgage Servicing XXXX has again lost my insurance payment. Which they after 4 years must be doing this on purpose in a effort to gain foreclosure on my house. They are a predatory loan servicing company involved the a predatory lender XXXX XXXX XXXX XXXX.This year they chose to randomly send my insurance payment to XXXX, not knowing if I was renewing, changing companies, selling the house, if policy rate increased etc. When I pay bills I don't just randomly send money to a company and hope its the right one. But this company clearly does and does it yearly. Payment was send on XX/XX/XXXX, the policy expired XX/XX/XXXX. In that time the payment has now been lost and the insurance premium is unpaid with XXXX. Part of the job of these purposely incompetent XXXX XXXX is to service the mortgage and I am yet to receive that service. Upon XXXX contacting Roundpoint, XXXX the representative could not even supply a business address to XXXX. I would assume much like their payment processing these people just randomly show up at a building in the morning and hope for the best. The complete lack of being able to perform any servicing of my mortgage is a direct breach of contract. I the customer and am having to clean up their mess year after year as they try to steal my home. Now the loan has until XXXX for me to correct it before XXXX drops coverage since Roundpoint failed to properly pay them once again. Last years excuse was because the policy number changed, this year they claim the policy number never changed. I will continue to file complaints until Roundpoint is no longer my servicer. They have made no effort over the multiple years to fix this problem.
11/06/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 750XX	Web
I had my previous mortgage with RoundPoint Mortgage ( RPM ) for servicing which I got refinanced in XXXX XXXX. So RPM got the full balance i.e. {$380000.00} on XXXX/XXXX/XXXX. On this dat my escrow balance was showing {$10000.00}. However they deducted one more XXXX on very next day ( XXXX/XXXX/XXXX ) of amount {$3200.00} which is their fault. After this XXXX my escrow balance went up to XXXX. After this they issued my refund in three separate checks of amount 1. ) XXXX 2. ) XXXX and 3. ) XXXX. I deposited all three checked in my wife 's account. After few days one check of amount XXXX was returned to us by our bank. When I checked with RPM they said they stopped payment on it but they could not explain why they did so. After conversation they agreed to re-issue they check which will reach in another week or so. I did not get any check so I called after 3 weeks on XXXX XXXX XXXX. I was shocked to hear when they said they do not owe that amount to me. I explained to representative everything, I ha gone thru the transactions and she accepted their fault and promised refund in a week. However I did not get any check and called them today XXXX/XXXX/XXXX and got to know they did not issue any check. I have all the documents with me but I can bet if you will ask a middle school student to go thru my account and transactions he will figure out the difference. Unfortunately it is very difficult to explain the same to RPM customer representatives as I have seen them struggling with simple addition and subtraction. I would request you to take this matter as I doubt they are running a scam to cook the transactions at the time of closing account as everyone will not notice it.
02/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23831	Web
RoundPoint 's failure to address ethnic names in its computer systems and its corporate policies fail to address Diversity, Equity, and Inclusion resulting in clearly discriminatory practices to its borrowers and I expect to be treated with respect and professionalism without having my name botched and distorted, regardless of my ethnic background or cultural identity. RoundPoint 's computer systems inability to recognize or properly display certain ethnic names can lead to incorrect data entry and documentation and can cause significant inconvenience and even financial harm to its customers, as it can result in delays or errors in processing important mortgage-related documents. I believe that as a company, RoundPoint has a responsibility to ensure that its systems are designed to accommodate the diverse range of names that exist within our society. It is unacceptable that customers have to endure such issues due to the limitations of its computer systems. In addition to it, the customers do not have the ability to call and have this problem resolved but have to spend the time sending a letter to address something that the company should have addressed when they decided to take on the servicing of loans from a wide range of ethnic groups. It is absolutely appalling that its ability to enter customer names still follows the XXXX naming convention. I believe it is important for CFPB to take immediate action to address this issue and ensure that RoundPoint 's computer systems can properly recognize and handle all ethnic names. It is essential that its systems are designed with inclusivity and sensitivity to the diverse backgrounds of its customers.
10/08/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30344	Web
I purchased my home in XXXX of XXXX and since RoundPoint received my account in XXXX of XXXX it has been a complete mess the first year RoundPoint tied my account up with another persons and paid from my escrow account a resident in XXXX County 's taxes and never paid my XXXX County and City of XXXX XXXX taxes and I did not find out until I got an outstanding bill from XXXX County and the City of XXXX XXXX, I called them and they assured me this would not happen again and that they had my account all cleared up. The very next year Round Point failed to pay my taxes for either yet again and I ended up paying 2 years of taxes in 1 year to catch up after I got a foreclosure notice due to their failure to pay the taxes that I pay into every month through my house payments. Now this year again i emailed them my tax bill due ion XXXX/XXXX/XXXX and I go online to check my account and they have again not paid my taxes but paid someone else 's taxes in XXXX County totaling {$1000.00} out of my escrow again and still have n't paid my City of XXXX taxes of {$410.00}. At this point I have been burnt 3 times by this same company and I have been more than patient with them and for this company to not handle my account in the proper manner I need my mortgage moved from underneath this company there is no repairing this mess and unprofessional behavior. I am so frustrated and disappointed not to mention very angry that they have paid another persons taxes out of my escrow for a second time is just unbelievable! this is my second time I am making a formal complaint against this company I want to move my mortgage for good no action can repair this incompetence.
05/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 226XX	Web
Roundpoint Mortgage ( RPM ), received the property tax bill for my home as well as the property tax bill for an additional small piece of property attached to my lot. There is no mortgage on that lot. It was a GIFT. I do not owe a mortgage on the property. I do not have an escrow account for that property either! RPM used my homes escrow account to erroneously pay the tax bill on the gifted land. I asked them to get a refund on that payment as it was not part of my mortgage or my escrow. They have the mortgage documents with the Tax ID for the mortgage and the escrow. They will not acknowledge the documents attached to the mortgage. I also asked them to get a refund on the delinquent bill they paid from the previous owner. I did not owe the tax bill for 2017 since I didnt own the property. They claim since the land has a delinquency on it that they are permanently attaching it to my mortgage and my escrow. The delinquency belongs to the previous owner. I have sent documentation that the mortgage held by RPM is for Tax ID XXXX XXXX XXXX in XXXX XXXX VA. They should only pay the tax bill for that Tax ID number. The bill they are also paying is for tax ID XXXX XXXX XXXX. I have sent documentation to show them this land was a gift and there is no mortgage on it. In addition to try and help me with RPM 's mistake, the county provided me with last years bill ( 2017 ) to show the delinquency isn't mine since I didnt own the property. The tax bill was in someone else 's name. I don't seem to be getting anywhere with this servicing company and I need help. My escrow is being used for a property that is not mortgaged and has no escrow account.
06/08/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92058	Web
I have a home loan with XXXX Mortgage Co. I received a notice re a shortage in my escrow account, and was given an option to pay in full the shortage, or start paying a higher monthly amount. I chose the former, going to the website and paying the amount of {$1400.00} in full. XXXX has acknowledged receiving the amount, but claims that they didn't know where to put the funds I had paid, and after trying to contact me ( the phone number they had in their database was incorrect ), they applied it to my escrow, which according to them is different from the escrow shortage account. Because I had already paid the shortage, I paid the bill due in XXXX in the amount of {$3200.00} instead of the higher amount if they had not received the shortage payment ( approximately {$3400.00} ). However, because XXXX did not apply correctly the escrow shortage payment I sent in : XXXX ) they have claimed I had not paid the {$3400.00} payment due on XX/XX/XXXX XXXX ) added late fees XXXX ) reported me to the credit bureau for XXXX I spoke to a Roundpoint rep on XX/XX/XXXX and she had claimed they would fix the issue and remove the late fees, and my future payments would be {$3200.00}. She told me to wait till XX/XX/XXXX and everything should be fine. Instead, a delinquency notice was sent to the credit bureaus around XX/XX/XXXX. Immediately after being contacted by XXXX, I called XXXX again and was told they would TRY to fix the problem which hopefully would reflect no delinquency around XX/XX/XXXX. In the meantime, my credit is messed up. The rep also said I have an escrow overage and would receive a refund check, which further muddies the situation.
04/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 660XX	Web	Servicemember
We have never been late on a mortgage payment. Our loan, # XXXX, is owned by XXXX XXXX and serviced by Round point Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX NC. The first week in XX/XX/XXXX, we contacted Round point to let them know we would be changing the insurance carrier on our house. We followed this up by calling again in the first week in XXXX and the middle of XXXX. Our policy was due to renew on XX/XX/2019. During the last call the customer service agent for Round point said they received the XXXX page from XXXX and all was good as they had not paid the old insurance carrier, XXXX. On XX/XX/XXXX we got an {$890.00} refund check from XXXX. We called XXXX and they had not been paid the {$890.00} owed them. That same day in the mail we received a letter from Round point dated XX/XX/XXXX threatening us if didn't get insurance. We then called them twice asking for a postage paid envelope to mail them the refund check, once speaking with a XXXX, and would they please pay the right insurance company. They have raised our mortgage by {$60.00} a month and have sent another threatening letter saying we owe they them {$1200.00} for the escrow account. Now the are saying they send us a postage paid envelope either. We still don't know if they paid XXXX. The math they are using doesn't add up right. Their mismanagement might mean we may not have insurance on our house. I am not paying the postage to mail them the refund and I don't trust them to put it in our account anyway. I have asked them for control of our own escrow account as we'd actually pay the bills correctly and they said no. How far can they go in threatening us?
06/02/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 018XX	Web
My home in XXXX, MA was formally foreclosed upon in XX/XX/XXXX by Roundpoint Mortgage Services Co. after multiple attempts to come with up with a repayment plan, one of which was approved and my checks were returned by the company nullifying our agreement without notifying me. After having a buyer for my property lined up they told them they were rejecting their offer Saturday night and processed the foreclosure Monday morning. We moved and with our lives and were starting to rebuild our finances and credit while our property was boarded up, lock boxes placed on the doors and fences, and Roundpoint Mortgage Services Co took ownership of the property. In XX/XX/XXXX we received a letter stating Roundpoint Mortgage Services Co. had illegally foreclosed on our property, were restarting the foreclosure process, and billing us for missed payments since XX/XX/XXXX along with foreclosure fees again. After immediately contacting Roundpoint they were denied working with us and that although it was their mistake we were still at fault for missed payments for over a year on our credit along with a second foreclosure. In XX/XX/XXXX we received a notice from the town of XXXX, MA stating that the property was a public nuisance and a hearing was being held. A decision was made that we were liable to have the house demolished despite it being in the hands of the mortgage company ( who was contacted by the town regarding the property ) and use being locked out of the property. The town only gave 45 days for action to be taken. Roundpoint has dirtied the deed and is now again attempting to put myself in financial ruins for the same foreclosure.
07/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94402	Web
I paid off my mortgage to Roundpoint Mortgage on XX/XX/2021, which is confirmed by a letter I received from them with that date. The company owes me a refund of over {$3000.00} from the escrow account they held. My understanding is Roundpoint, by law, has 20 business days to submit a refund to me. This has not happened. On XX/XX/XXXX, I called Roundpoint to inquire about the status of my refund. The customer service representative I spoke to said that, according to their records, a check was cut on XX/XX/XXXX and was mailed out via USPS on XX/XX/XXXX. And they blamed my not receiving the check on the USPS. On XX/XX/XXXX, I called again and received the same answer. Not satisfied, I asked to be transferred to a supervisor. I then spoke to XXXX XXXX in the Escalations Resolutions department. She said she usually tells customers to allow 30 days to receive a check in the mail. As of today 's date, that check has still not arrived. And, doing a search on reviews of Roundpoint Mortgage, I see the company has nothing but complaints and a star rating of 1.5. I am not the only consumer whose funds have been, and are being, held hostage by this company. I'm happy to provide you with any information you require, like the loan number, or whatever, if you are able to look into this for me and help me resolve my problem. More importantly, I think the world needs to know that Roundpoint Mortgage is a horrible financial institution and a lawsuit should be filed against them for blatantly breaking the law. Let me know if you have any questions or require any additional information. Thank you for taking a look into this.
08/12/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	IN 46304	Web
I closed on my current home XX/XX/2018 with an FHA mortgage through XXXX XXXX XXXX XXXX. At closing, I paid {$3700.00} to the Federal Housing Administration. My mortgage was bought by Roundpoint Mortgage Servicing shortly after closing. I have been paying {$150.00} towards PMI on each monthly bill since I've owned the home ( Nearly {$6000.00} total ). Fast forward to now, I just tried to refinance my FHA mortgage to take advantage of the lower rates ( also through XXXX XXXX, but XXXX XXXX XXXX XXXX was bought by XXXX ). I was unable to refinance for the reason that my FHA loan was never endorsed. I called Roundpoint numerous times, I submitted emails explaining the problem to the emails that they told me to contact ( XXXX and XXXX ). They also told me to contact XXXX XXXX/XXXX who they said they bought the loan from ( I had no idea/was never notified that they ever serviced my loan ... never paid a bill to them ). I contacted them, and they just put a note on my account to back date my PMI. 1 ) that's illegal. 2 ) I still can not refinance my mortgage because it's still not endorsed. So I'm basically being held hostage with these interest rates until I pay off my mortgage completely unless someone does what they were supposed to and gets my loan endorsed. Besides that, where did all that money go? If it didnt pay for mortgage insurance for the past year, it certainly should be coming back to me. I get a different person everytime I call and no one is ever able to fix the problem. I have even had my lender ( XXXX XXXX ) on the line with me to help explain. It's impossible to get anyone to understand or fix the problem.
04/25/2018	Yes	Mortgage VA mortgage	Trouble during payment process	TX XXXXX	Web	Servicemember
In XX/XX/XXXX, I was not able to make a payment due to being placed on FMLA at my job and receiving late pay from my employer. On XX/XX/XXXX the area I presently reside in was hit by hurricane Harvey and I was told by my mortgage company Round Point Mortgage not worry because they could place mortgage payments in suspension for 3 months due to the area I live was declared a disaster area by my state. I was told by Round Point to start making payments again in XX/XX/XXXX. They also stated that I would receive a borrower assistance package in the mail in XX/XX/XXXX. When XX/XX/XXXX came. My mortgage company raised my payment by XXXX dollars and they stated this was due to not having insurance in XX/XX/XXXX. Round Point stated that if I could prove that I had insurance in XX/XX/XXXX they would credit the difference back to my account. I sent in proof from my insurance carrier and was never given a response. I have been paying XXXX dollars more over the past 6 months. So this should mean that I am only 4 months behind. I recently requested to be sent a statement showing the amount I am behind. The statement I received shows that I am five months behind and is not correct. Also it states that none of the payments I have made including a double payment in XX/XX/XXXX have been credited to my escrow account also it states that after I pay the amount requested my payment will still be XXXX dollars which is also incorrect this legalized robbery. I also want to mention that at no time during this period did XXXX XXXX XXXX XXXX ever state that late charges would be placed on my account and they also have been charging late fees.
11/14/2017	Yes	Mortgage VA mortgage	Closing on a mortgage	FL 329XX	Web	Servicemember
I would like to report Mortgage Fraud. We closed a loan on a refinance with XXXX XXXX in XXXX XXXX they paid our property taxes for XXXX upfront and then the previous mortgage company had also paid the property taxes as well. This caused an overpayment for property tax which was refunded by the county Commisioner 's office in XXXX, GA. The refund was sent back to closing officer in the amount of {$1900.00}. The closing officer stated he was instructed by XXXX XXXX to return the refund to them. XXXX XXXX ( XXXX ) stated that they then sent the refund of {$1900.00} over to RoundPoint Mortage around XXXX XXXX. Roundpoint then took refund for Property taxes and placed it in a suspense account instead of returning it to the homeowner because taxes were already paid in full. Then Roundpoint decided to just take {$600.00} of the property tax refund and apply it to principle mortgage and there has been no accountability of the remainder. {$1300.00} is still unaccounted for according to XXXX at XXXX XXXX XXXX. As a result the mortgage was then transferred over to XXXX and with a deficit in escrow it has now caused me injury where my escrow account was short and they advanced monies to pay property tax which led my house payment to be increased over XXXX a month for not having enough in escrow. Where is the refund? As far as I am concern this is theft by mortgage company. You can speak to me or my wife in reference to this incident. I 'm a veteran and this is a disgrace how they do what they want with your hard earn money. Some of these banks are out of control and taking advantage of the average citizen. Please help. Thanks.
08/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 43402	Web
Due to circumstances beyond my control, unable to make mortgage payment starting in XX/XX/XXXX. Had to vacate house with my child XX/XX/XXXX. Listed property for sale, did borrower assistance application for deed in lieu of foreclosure and/or short sale, as realtor listed property at less than what was owed. First offer for short sale XX/XX/XXXX. Mortgage company repeatedly claimed missing documents or info, all of which was sent by myself and my realtor. After 6 weeks, buyer rescinded offer. Another short sale offer for cash in XX/XX/XXXX. Exact same thing happened, second application with all required paperwork filled out and sent in. Lost second buyer. Then was supposedly approved for deed in lieu, all papers received and signed with notary, sent in XX/XX/XXXX. Few weeks later, told an additional paper needed signed, emailed to me. I signed it, and like everything else, emailed it back ti multiple individuals at Roundpoint, as well as the loss mitigation email. Then informed needed hard copy by XX/XX/XXXX ( they told me this after XX/XX/XXXX, and I had NEVER been told of a deadline, nor had my lawyer been told. Argued that they should still continue to deed in lieu, and was told by Roundpoint thay they were still working on it. Their lawyer contacted mine. And then wanted that one paper XXXX XXXX XXXX to the lawyer directly, which was done the very next day. Now, all of a sudden, they're saying I have to start the process all over again, which I've done multiple times over the past year. My realtor had said I her 30 years in the business, had never seen a mortgage company do this to someone. Please help me.
01/31/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19468	Web
RoundPoint Mortgage Servicing Corporation bought our loan in the fall of XXXX. They did an escrow analysis in Mid XXXX and raised our monthly payment by over {$600.00}, all of this without notification. When our bill came for XXXX we called and requested a copy of the escrow analysis that they claim was sent to us, it was not. They said they would look into it and make any corrections in 3 business days. When we got the analysis emailed the next day we found out they double charged us for school taxes and did not charge us for local. We called back after 3 business days and were told they corrected the taxes but no one ran another analysis so our payment would be the same for the month and to pay the elevated amount. We asked them to run it and send us proof, representative said they would. After another phone call several days later this issue is still not solved. We have requested an escrow analysis several times to correct our taxes that Roundpoint messed up. Our local taxes are due in XXXX and as of right now Roundpoint has not admitted they charged us twice for school taxes despite their escrow analysis proving they did. First phone call was XX/XX/XXXX requesting the escrow analysis that they did not send us that showed their mistake charging us twice for school taxes. Second phone call was XX/XX/XXXX asking for an update and being told they would run another escrow analysis to correct the problem. They blamed the township for not charging us local taxes, but township denied this. Third phone call XX/XX/XXXX requesting an update. Roundpoint again said they havent run it yet but can do it today.
03/01/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL XXXXX	Web
ESCROW COMPLAINT This escrow was forced on me against my will and without my consent. I had an outstanding balance on my taxes of XXXX. I did n't know about it and as soon as the county informed me by mail, I paid it. However, I was too late. Roundpoint paid it and forced an escrow. They claim that they called my house many times. I have the phone records. THERE WERE NO CALLS. No letter was sent Once in XX/XX/XXXX there was a XXXX ( XXXX XXXX ) shortage on my taxes. They want to also claim that this " deliquency '' was another reason for the escow. They actually wasted a stamp to let me know this. I sent them a nickel in the mail since they were so concerned. In addition, I paid my property taxes seven months in advance ( pre-payment program ) from XX/XX/XXXX XX/XX/XXXX Roundpoint failed to acknowledge this and kept demanding escrow. They said they " the tax funds will just be rolled into the next tax installment. '' NOW THERE IS AN EXCESS IN THE ACCOUNT. They said they did an analysis, but they did NOT take the pre-payment into consideration. By law, they can not have more than XXXX USD in excess ( commonly called cushion funds ). There is an excess on the account and they will not acknowledge it. I have called them many times. The custumer service is very difficult to understand. I do n't think they are very informed. Please assist me with this situation. They should not be collecting tax money for taxes that were paid in advance. They had no right to force an escrow. I paid that XXXX. It was not a fatal amount. They have their little agenda to force everyone on an escrow. I was not informed correctly
01/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92120	Web
My wife and I took advantage of fully allowed mortgage forbearance for 18 months ( from XX/XX/XXXX thru to XX/XX/XXXX ) due to the CARES act and Covid -19. Our forbearance plan is due to end XX/XX/XXXX and normal/ regular payments are due to resume/ due date XXXX. Since, the process began, we were led to believe, that we could defer our forborne amount to the end of the existing loan, i.e it then being payable at the maturity of the loan. However, the company ( RoundPoint Mortgage Servicing Corporation ) in question has since " revised '' their website and we can not see our payment history anymore. Thankfully I printed out a " history '' of transactions from XX/XX/XXXX up to and including XX/XX/XXXX, which shows the principal balance owed at that time. However, I was about to set up my XX/XX/XXXX payment due, yesterday and to my dismay our, " new '' mortgage balance has increased by approximately {$11000.00}!!! I spoke with the company many times over the last 18 months, to ensure that " nothing ' with regards to the amount owed would change, as we did not want a loan modification, even though they have sent us a letter as recently as yesterday XX/XX/XXXX ( dated XXXX ) saying that is what we have done??? We can afford the mortgage payments and do not need a loan modification, but their ability to explain this is futile ( last phone call yesterday, ( XXXX ) to the company I requested to be transferred to a supervisor, that promptly got hung up on!!! ). Therefore, I feel that due to lack of transparency and inappropriate increases to our mortgage balance, I had no other choice to make a complaint.
06/12/2017	Yes	Mortgage VA mortgage	Trouble during payment process	TX 780XX	Web	Servicemember
Hello, I am submitting a complaint on the escrow shortage for our servicer. We purchased the home in XX/XX/XXXX. At the time of closing we setup our escrow account on the unimproved amount. The assessed amount at that time was {$350000.00}. In XX/XX/XXXX we paid an escrow short of over 6,000. It appears to me the lender did zero research in coming up with this figure. The taxes should have been based on an assessed amount of {$420000.00} which was the amount the county released and posted online in XX/XX/XXXX. Recently they sent us a bill dated XX/XX/XXXX yet again collecting an escrow shortage in the amount of {$2000.00}. We are now in XX/XX/XXXX and the assessed amount is {$410000.00}. I have called Roundpoint and asked them to explain how they continue to get away with setting up our escrow account wrong and the only answer I get is, sorry this is your taxes with ZERO explanation as to how we are now paying a 2nd shortage. How are we paying an escrow shortage when our taxes actually decreased from XX/XX/XXXX to XX/XX/XXXX expected amounts?? I am highly concerned with all borrowers being serviced with Roundpoint as we have no idea of what to expect our payment to be even when the assessed amounts are decreasing I am being asked to come up with more money. This is very hard on myself and my family to budget for a home. We are struggling to come up with the amounts and I feel they have failed to set proper expectations with me as a borrower. I am concerned with the decreasing values in my subdivision and the increase in my payment will force me out unable to sell for the amounts we owe.
06/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92139	Web
Our mortgage payment includes an additional amount that goes into an impound/escrow account to pay for our home owner 's insurance and taxes. Our insurance company sent the request for payment for our home owner 's insurance payment in XXXX and it was due on XX/XX/XXXX. The mortgage company has not paid it. We received a notification from our insurance company that they were going to cancel our insurance if the payment was not processed by XX/XX/XXXX. It takes a day for it to process, so the insurance company needs the payment by XX/XX/XXXX in order for it to remain in effect, otherwise it will be cancelled and need to be reinstated which will take longer. We have contacted the mortgage insurance company XXXX times in the past week. The first time, they said they would request an expedited payment which would be overnighted to our insurance company. That was on XX/XX/XXXX. This morning, XX/XX/XXXX, they said that the payment was overnighted yesterday. This afternoon they said that there is something preventing them from making any payments on our account. On top of that, two months ago they started charging an additional fee and there is no explanation for this fee. I thought it was a one time thing and it is on this statement as well. Apparently I have make another phone call to a different department to discuss that fee. We are in the process of refinancing our home, which has already taken considerably longer than usual and now this is causing additional delays not to mention that our homeowner 's policy is pending cancelled and if the payment is not received by tomorrow, it will be cancelled.
08/07/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 815XX	Web
Roundpoint mortgage sent me a notice indicating that my escrow account was going to have a shortfall so in XX/XX/XXXX they increased my escrow payment by over {$200.00} dollars per month. By XX/XX/XXXX I was already struggling to make that increased payment so I signed onto my online account and noticed that what they had indicated on the escrow increase was not true. Instead of a escrow shortfall I actually had a surplus. I wrote to them at that time that I wanted a new escrow analysis done since my escrow account was too high. They did not respond to my written request so I called in XX/XX/XXXX to explain the situation. They agreed to do the new analysis, but when it was completed my escrow payment only went down by approximately {$50.00} dollars, and they sent me a bill for an escrow shortfall. I did not pay the bill. However, in that time, I have been late on my payments while my escrow has continued to increase to the current balance of {$6500.00} ( XX/XX/XXXX ) and my XX/XX/XXXX taxes and insurance has been paid. I just called Roundpoint again to tell them that the analysis was wrong. The service representative told me that they would complete a research which will take until XX/XX/XXXX, and then if they find an issue they will do a new analysis within 10 days. At their timeline, the issue wo n't even be addressed, if at all, for another month. Having made my initial request in XX/XX/XXXX, I believe that they have adversely affected my credit standing, created financial hardship for myself and my family, and have exceeded the amount that they are legally able to collect in my escrow account.
07/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20744	Web
Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks
01/31/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 226XX	Web
I received a loan from XXXX XXXX XXXX in XX/XX/XXXX. It was immediately bought by XXXX XXXX and is serviced with RoundPoint Mortgage. They have made multiple errors in payments with my escrow account. First they paid taxes on a piece of property that is in my name, but is not covered by the mortgage I have with them. They corrected the property information on the account after months of phone calls and emails. They have recently realized that I have been over charged for my escrow in my loan. They refunded {$1600.00} at the end of XXXX. Instead of reducing my escrow they have decided to increase my escrow based on a random calculation. This allows them to hold {$1700.00} a year over the base cushion required in my loan. My loan requires an escrow cushion of approximately $ XXXX/year. In XXXX I had {$1600.00} over that cushion. Now in XXXX I will have {$1700.00} over the required cushion in my loan. No amount of phone calls and paperwork filed with RoundPoint mortgage has resolved this issue. In addition, I never signed a loan with RoundPoint mortgage. Why am I being forced to maintain an escrow account based on a 24 month requirement that I never agreed to? I have never missed a payment. I pay all my bills, credit cards included, in full every month. I have excellent credit. The escrow account should not be a requirement with RoundPoint as I never signed an agreement with them. I applied to remove the escrow due to their errors and my excellent credit, and was denied due to a 24 month requirement. This company has made correcting their mistakes regarding my escrow a full time job. HELP
09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web	Servicemember
Prior to requesting XXXX to investigate my account with RoundPoint Mortgage Services who no longer holds our account as of XX/XX/XXXX my XXXX Credit report score was 4 points higher on the date in which I opened the investigation in early XXXX, however, I received a notice this morning from XXXX stating that my Credit Score had been negatively impacted due to retaliation from RoundPoint Mortgage. They went in and changed some reporting components because I opened an investigation based on their reporting of various late payments during a time when we were in a work-out plan/forebearance agreement due to unforeseen XXXX XXXX XXXX with our Daughter who was XXXX in XXXX for over 30 days at the end of XXXX which resulted in XXXX XXXX XXXX as a result. However, when we commence the work-out plan payments we were never late and was informed this information would not be reported to the Credit Bureaus. Also, when they transferred the account to XXXX XXXX XXXX XXXX we had just received approval for a Loan Forbearance and should not been reported late, as it was also transferred in XX/XX/XXXX. This is blatant retaliation against XXXX XXXX-American U.S. Citizens who raise issues or concerns about the ill-treatment from Creditors, as such. I previously reported RoundPoint XXXX in XXXX for their misleading business practices and they are retaliating, as this account is no longer being Serviced by them and it is direct attack on my credit to oppress and suppress economic upward mobility and obtain access to capital and lower interest rates due to their ill-practices against XXXX XXXX-Americans.
05/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 069XX	Web
My loan was transferred to Roundpoint effective XX/XX/XXXX. Prior to that, Roundpoint emailed me that my existing automatic payment from my prior servicer would automatically continue to be withdrawn by Roundpoint. By XX/XX/XXXX my automatic payment was not withdrawn and Roundpoint also had not record of my loan, even though it was supposed to be withdrawn on XX/XX/XXXX. Therefore, I made a manual payment of {$1500.00} on XXXX or XX/XX/XXXX. On or around XX/XX/XXXX Roundpoint also automatically withdraw a second {$1500.00} payment, and its website shows it credited it to the account effective XX/XX/XXXX. A statement dated XX/XX/XXXX shows that {$770.00} of the second payment was credited to interest and the rest to principal. I have the following issues involving Regulation Z and UDAAP : XXXX ) Roundpoint withdrew its automatic payment late, so it is only fair that it should have credited the payment effective XX/XX/XXXX rather than XX/XX/XXXX, which would reduce interest accrual on the paid off principal for XXXX days. XXXX ) Roundpoint credited my XXXX payment to {$770.00} in interest even though there was no interest ( since it was paid by my XXXX payment ) This suggests that it held my XXXX payment until XX/XX/XXXX, rather than reducing my principal effective on the payment date. This means it received my money without paying me interest from XX/XX/XXXX to XX/XX/XXXX. Since this entire debacle occurred because Roundpoint did not withdraw the payment when promised it must pay me interest on the money by crediting my second payment on the date it was paid rather than on XX/XX/XXXX.
01/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 730XX	Web
In XX/XX/XXXX my brother in law began the process of building his house directly to the south of our house. In the land deed of ours, XXXX feet of land was deeded and mortgaged to us was actually my brother in-laws land. This happened back in XX/XX/XXXX. My brother in law called the abstract company and lawyers to get everything corrected so that he could get his home loan approved. Everything was settled. We accepted a different part of the land so that we got XXXX feet back to our property. We signed everything. Now my brother in law can not close on his building loan because my mortgage company, XXXX, will not get back with my brother in laws bank or lawyers to take off the XXXX feet of mortgage on our land so that they can add to his. They have tried for 6 months to contact XXXX. In XX/XX/XXXX, I went to pay our mortgage. XXXX now will not let my husband and I pay our mortgage or escrow because my brother in law is now in litigation with them. We are not suing XXXX. We have nothing to do with the litigation. We signed over the XXXX feet last year. We are now currently doing a cashier 's check and sending certified mail to XXXX because we want to pay our mortgage. We have tried several times to contact them. We have even talked to them over the phone with our banker. They said they would call back in a week. That has been a month ago and we have heard nothing. Please help us in this matter. We do not want our credit or our home insurance to suffer because of this. This is our last option to get help. Our banker said that we should contact you to get help. Thank you. XXXX and XXXX XXXX
08/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29073	Web
I 've had a mortgage with Roundpoint based in XXXX, NC since XXXX of 2014. I have a fixed rate mortgage. They have several times attempted to raise my rates, increase my monthly payment, and then charge a late fee. That issue was finally resolved after several months. Then I make payments through their online system which they will not accept. When I call the company, I am transferred and kept on hold for hours, unable to speak with someone about making a payment for the correct amount. I have been given directly conflicting information about the payment schedule by the representatives. Everytime I am able to speak with someone, I am told to sign up for automatic billing which I do not want to do, as they have often charged me incorrect amounts. Every month its a problem. Finally, this month, I mail all of my household bills off on the same day. Every check has cleared except ( guess who ) Round Point. They called me to tell me they will be adding additional fees to my account for a late payment. Then they said they may have already received it but the " system has n't updated ", in which case, I am still being charged and having a negative report on my credit. I called back to speak with someone after verifying with my bank, and I was put on hold then " disconnected ''. Which seems to happen at such oppurtune times. I think they are routinely and deliberately finding ways to overcharge customers. Every month. I could understand maybe XXXX or XXXX mistakes within this period of time, however, this must be deliberate. I would greatly appreciate any help that could be provided. Thank you.
04/01/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06410	Web
I purchased my home from total mortgage in XX/XX/XXXX. My loan was sold to Roundpoint mortgage at the start of my mortgage payments on XX/XX/XXXX. We never received any mail documentation about our mortgage until after XX/XX/XXXX. We had to reach out to total mortgage for them to tell us our mortgage had been sold and transferred to Roundpoint. Round point did not clearly review our loan and paid our taxes in XXXX when we had already set aside money in our prepaids that are closing attorney would send to the city to pay our property taxes. Now we have received an escrow analysis and an increase on our mortgage payment by close to {$300.00} per month. This is round points error and we are being held responsible to pay a monthly payment that we did not agree to nor that we should be paying. Roundpoint is working with the city or so they say XXXX can not adjust the payment to what it should be until they get their money back. This is an error on the mortgage companies behalf and the customer should not be held responsible. If I do not pay the increased amount I will receive late charges which will reflect on my account for being late on a mortgage payment. They are stealing from and scanning customers. So now I will pay the XXXX dollars towards my mortgage payment this month and wave goodbye to those funds because Ive been told they will not be refunded because that is the agreed-upon amount even though it was not agreed-upon. This company has dozens of horrible reviews by other customers leading to the same types of issues and they should be fully investigated and held responsible.
07/03/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	CA 92240	Web
My mortgage company roundpoint mortgage purchase my mortgage from my original lender and took control of the mortgage on XX/XX/XXXX of 2019 at that time it was discovered that there were issues regarding property tax payments from the original lender. I began the refi process in late XXXX making it very clear to the roundpoint mortgage representative that I was not going to and not able to bring any money to the closing and I was very clear of that both orally on the phone and in email. Nothing was ever said until we were about a week away from closing and then the issue comes up that I need to bring money to the table at the time of closing. The manager of the refi department at roundpoint went back and listen to all of our conversations and admitted to me that they did not make full disclosure about any programs about what my responsibilities were. Here we are now almost 14 weeks later I still haven't closed on my refi and I am going to be asked to bring money to the table. I was not given disclosure about what programs they were going to use what the requirements were for the program 's nor was I ever given the option to discuss what programs they were going to use for the refi. Now, if the refi doesn't go through I am going to be struggling for months to catch up not only with my mortgage but with my other debts due to the fact that I was told we were going to close in XXXX. This is not right, I want to close and I want to close the way will you agreed upon, silence is acceptance nobody ever said anything to me that we can't do a refi unless you bring money to the table.
05/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94510	Web
On XX/XX/XXXX I suffered a complete loss of my property at XXXX XXXX XXXX XXXX XXXX, Ca. In XX/XX/XXXX my insurance company, XXXX XXXX, paid {$280000.00}, endorsed to me and my mortgage company, Roundpoint Mortgage. Of this amount, {$150000.00} XXXX is being held by Roundpoint Mortgage in a restricted escrow account. An additional check was received from XXXX and sent for endorsement to Roundpoint. I called today to discuss timelines for reimbursement, as Roundpoint is already holding an amount exceeding my loan obligation. During the call I learned that the restricted escrow account, which has contained {$150000.00} since XX/XX/XXXX is not an interest bearing account. During the time Roundpoint has held these funds, exceeding my mortgage balance, I have continued to be charged interest on my mortgage. Roundpoint states they are not required to pay interest to me, however, for the funds being held while I am rebuilding my home. It is my understanding that in California, where the property is located and where the mortgage was executed, it is required that money held mortgage escrow accounts must be accruing interest. Today I engaged in more than a half hour of debate with Roundpoint before they finally agreed to release the proceeds being held in excess of my mortgage, in the amount of {$64000.00}. Roundpoint, if doing business in California, should be held accountable for complying with California laws. I should receive interest, compounding from the day the funds were deposited in to this restricted escrow account. I may be reached at XXXX or XXXX. Thank you, XXXX XXXX
02/26/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78660	Web
While out of work and searching for a new job in XXXX, I proactively requested a mortgage loan modification from Roundpoint Mortgage ( XXXX XXXX because I was unsure how long my job search would last. I have never missed/been late on a mortgage payment in 30 years of home ownership and I did n't want to start then. RPM and I began a protracted, XXXX loan modification process characterized by having to resend the same paperwork multiple times and XXXX different points of contact that changed without prior notice. I made all reduced payments on-time as directed by the loan modification group. The net result of my loan modification was a $ 200+ decrease in my mortgage payment and I am totally current. During a review of my credit history in XXXX, I discovered that RPM had reported me to the credit reporting agencies as making late payments during the loan modification process even though I was compliant with all instructions from RPM. A month of calling and talking to many people at RPM ensued, and despite assurances that it would be taken care of, which yielded no results on XXXX XXXX, XXXX. RPM would not change their reporting me as making late payments. This is an unfair business practice. I followed all RPM instructions completely. I should not have to bear the brunt of what appears to be a communications gap between the regular mortgage and loan modification groups or a generally bad business practice. I request that Roundpoint Mortgage contact the credit reporting agencies ( XXXX, XXXX and XXXX ) and remove the late payment reports from my credit history.
09/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 923XX	Web
Completed a Refinance in in Late XXXX on our house serviced through Roundpoint Mortgage that uses XXXX as a third Party Servicer. The RE-FI was done by XXXX XXXX XXXX ( New Loan ). During the process Roundpoint paid the property taxes through the escrow account because they were due, and XXXX XXXX also paid the taxes on the new loan through escrow, using XXXX XXXX to complete new loan. I have confirmed the double payment through XXXX XXXX County Tax Assessor that payment was accepted on new loan through escrow and payment from Roundpoint was sent back for double payment on XX/XX/2018 of {$2900.00}. Because i knew taxes were paid twice I allowed approximately 60 days to process for reimbursement of overpaid taxes by Roundpoint before I started inquiring about the overpayment with Roundpoint. After this time I have made approximately 8 calls to Roundpoint asking for reimbursement totaling hours on the phone only to get get many variations on what is going on, i have been told by Roundpoint that, nothing is showing owed to me, its under review, still in processing, through conference call with Tax Assessor that it will be overnighted to me on XX/XX/XXXX, to now it will take another 6-8 weeks for reimbursement. Round point has been less than cooperative in resolving this in a timely matter and in truth I believe it is lost in their system. I have researched matter and have documents showing Roundpoint payment on XX/XX/2018, XXXX XXXX payment on XX/XX/2018, and Tax Assessor payment back to Roundpoint on XX/XX/18 Just looking for help to resolve this matter. Thank you
02/29/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	MI 49424	Web
To Whom It may concern I have included the following a escrow Analysis statement dated XX/XX/2020. I currently have no shortage in escrow. This is what they project to happen in the year of 2020 They are demanding a XXXX payment. They are charging way more then the two month that is required. What Are Escrow Advances? Any time the lender has to pay for items such as taxes and insurance and there is not enough money in the escrow account ( or there is no escrow account yet ) that is an escrow advance. That advance amount becomes a recoverable item within the escrow account and the monthly payment will be adjusted to recover that over a period of time, usually one year, sometimes less depending on the amount. according to Round point mortgage i currently have no shortage in escrow. when i spoke to them on the phone on XXXX they said well when we pay your taxes in XX/XX/2020 we will be short. They don't know what the escrow is going to be if i will fight my taxes on my house because XXXX hasn't arrived yet But, my escrow payment is only recalculated once a year. That meant they are collecting in advance when the insurance payment might be lower and so might be the taxes and they haven't paid anything out on my house until XXXX according to Round point. The lowest amount held in escrow at any time of the year should equal two months ' escrow payment. That two month cushion is required to ensure that there are enough funds in escrow to cover potential increases in taxes or insurance premiums and is authorized by RESPA, the law governing escrow accounts.
08/09/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30016	Web
In XX/XX/XXXX I changed my mortgage insurance company from XXXX to XXXX. I was told once I receive the check from XXXX XXXX XXXX, send it to the Roundpoint mortgage company. If I did n't I would get a penalty. I received the check and as what was told to me is what I did in XX/XX/XXXX. Upon receiving an Analysis from the Mortgage company in XXXX XXXX is when I notice that my mortgage had excessive increase starting XX/XX/XXXX. I called Roundpoint Mortgage XXXX to find out why. I was told that my escrow was short. I brought to the attention that I had sent a check in XX/XX/XXXX to return the funding of my escrow. This is when it was brought to my attention that the check was applied to the principle acct # It was sitting from XX/XX/XXXX to XX/XX/XXXX. I wrote on the check that the check was for the escrow acct #. First I was told that I had to fix this myself. I mention I did what I was suppose to do and someone there need to fix this immediately. I contacted XXXX XXXX company who I originally had contact with to file a complaint. The following week I notice that my mortgage payment for XX/XX/XXXX was still in my bank account. I called Roundpoint Mortgage to make sure that my payment was taken out in a sufficient about of time to pay the mortgage. That 's when I was told that everything was ok. And, my problem was fixed. My problem has not been fixed I am still being charged the excessive amount for my mortgage starting XX/XX/XXXX. And I feel that due to the fault of the Round point Mortgage I am being penalized. I have never been late on my mortgage payments.
10/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20010	Web
There are repeated roadblocks to attempt to reduce the cost of my mortgage through RoundPoint Mortgage Service Corporation. For instance, a biweekly payment option is available, but requires the processing of a paper application AFTER already signing up for ACH withdrawals and having a fully integrated online profile on their system. ( MONTHLY recurring payment is made available, but the other option requires additional efforts. ) In addition, initially, I spoke with a customer service representative about making weekly payments and went through a series of steps to make those payments directly from my bank account. Rather than applying the funds when they are received toward the next payment, as was described, the company amassed the cash and applied it at the due date of my monthly payment, ensuring they maximize the interest accrual on the loan. The other option they offered was that the payments could entirely go to principal, but would result in my monthly payment then not being paid. When I called to address my concern about this practice, I got a run around and was forced to make an additional payment ( full monthly payment ) to ensure that what I paid weekly did n't somehow not get applied and put me in a situation with a missed payment. The customer service department does not seek to help consumers at all. I did NOT choose this vendor. My mortgage was sold to this company and now I 'm a hostage to them for 30 years. I would love to figure out a way to escape this company and go with the provider I originally chose or a more decent company.
08/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78233	Web
I had a hail claim in which I had to mail the check to get a signature from Roundpoint Morgage, I sent by priority mail on XXXX/XXXX/16. After a week I called Roundpoint and they told me that they needed more information. They did not call me, I had to call them to find out that they needed more information endorse the check. I gave Roundpoint authorization to speak to both XXXX XXXX and XXXX. On XXXX XXXX, they told me again that they neede/d more information. However I have been told by XXXX and XXXX that Roundpoin/t refused to speak with either company. I got Roundpoint on the phone with XXXX on XXXX/XXXX/16 and information was sent to Roundpoint. They said they would mail the check for {$10000.00}. I asked them to overnight the check and the representative said he spoke with his supervisor and said they would. On XXXX/XXXX/16 I called because no check came in. Roundpoint had no record of the conversation we had the day before! I have asked them by what authority do they have to even hold such a check up and they have refused to provide me with any documentation to such an agreement. At this point I have an upset roofer who is threatening me with late charges and a mortgage company who does who refuses to speak with the XXXX or XXXX, even though I have given them the phone number of my agent at XXXX, then can not even find the record where I had XXXX on the phone, all Information they requested was sent to them and they promised to overnight the check! In short, Roundpoint is incompetent. Mortgage property address is XXXX XXXX not my mailing address.
03/23/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MS 38654	Web
I purchased my home in XX/XX/XXXX. I refinanced my home in XX/XX/XXXX. At that time it was a streamline refinance. I had no closing cost. My home was sold to a lender which was round point mortgage in XX/XX/XXXX. In XX/XX/XXXX I received an escrow letter stating I owed around {$1600.00} in escrow because of my county and city taxes. I understood this because the total taxes were not refinanced into the mortgage because, the taxes were based on an empty lot. I sent a full amount and the mortgage was adjusted to include the amount. Now I receiving an escrow letter stating they want {$1000.00} for cushion in escrow or they will raise my mortgage again to reflect a cushion amount. Everything is being paid. And the escrow account is left to a {$0.00} balance. I feel since everything is paid there is no need for a cushion amount of {$1000.00}. And if they needed a cushion amount this should have been explain on the front end of the refinance or the year the escrow was short for the taxes owed and they adjusted the mortgage. Now I am looking at another {$100.00} in mortgage adjustment I can not afford or a full payment of {$1000.00} of cushion I can not afford. This almost feel like an adjustable mortgage rate. My mortgage is going up {$100.00} every year. I can not afford this. And I should not be forced to do either if everything is being paid. Cushions of escrow along and adjusting monthly payments is not acceptable if there is no shortages at all. Or they can simple ask for the shortage amount to be paid. But how can you ask for a cushion two years later?
04/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19454	Web
Our Mortgage was purchased by Roundpoint Mortgage Servicing Corporation in XXXX of 2014. In XXXX 2014 they took funds from escrow to pay our city tax. In XXXX of 2014 we received notification from the city that our taxes were never paid. We immediately contacted Roundpoint. After some investigation on their end, they told us that they pay taxes in " groups '', and our payment went to someone else 's taxes. Roundpoint said they would correct the error, and make sure our taxes were paid. They never credited our escrow account for the misappropriated tax funds, they just took another deduction from our escrow to pay the tax bill. At XX/XX/2014, they performed a escrow analysis and found our escrow to be short ... They sent us notification that our monthly escrow payment was to be increased by {$100.00}. I immediately called them to ONCE AGAIN complaint that they still had not credited the funds for the misappropriated taxes back to our escrow. Every time I call, I am connected to a different account representative, who always says " they are going to open an investigation ''. I was told I was not able to speak directly to a manager, and that they do n't even speak with management ... They have to email a manager and wait ( with you on hold ) for a reply. I have spent countless hours on the phone with these people, and they ca n't seem to make it right!!! Now, we have no choice but to pay the higher mortgage payment, because if we do n't, there will be negative consequences to our credit history. I am so sorry that this institution purchased our mortgage.
07/31/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 400XX	Web
RoundPoint Mortgage company is involved in fraudulent appraisal practices. I recently requested to have my PMI removed and they denied my request because THEY claim that the value of my home has dropped by 10 % in the last 9 months even though I have 2 recent appraisals and a 3rd party website that show otherwise. The company is stating that they wo n't remove the PMI from my home because it is only worth {$350000.00}, according to THEIR appraisal. However, I purchased the home in XX/XX/XXXX ( approximately 18 months ago ) and used RoundPoint Mortgage for my loan. I had to get an appraisal done at that time, and the appraisal came back at {$390000.00} ( appraisal attached ). Then I refinanced the home to get a lower interest rate, in XX/XX/XXXX ( approximately 9 months ago ) and once again used RoundPoint Mortgage. I had to get an appraisal done at that time, and it came back at {$380000.00} ( appraisal attached ). Finally, when I go on XXXX it states that my home is worth approximately {$400000.00} ( Screenshot attached ). How is it possible that I have 2 recent appraisals ( within the last 18 months ) and a screenshot from XXXX that all support a value of approximately {$390000.00}, but their own appraisal comes in at approximately 10 % less. Does n't it seem a little odd that the 2 appraisals done that would make RoundPoint money ( purchase and refinance ) come in at {$390000.00} but the 1 appraisal that would not make them any money AND would reduce my monthly payment comes in at {$350000.00}? That seems EXTREMELY suspecious to me!
05/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33928	Web
I sent my payoff, which was received by RoundPoint Mortgage on XXXX. I called on XXXX to see where my {$270.00} overpayment refund was. I was told by " XXXX '' that I would receive it " in a few days ''. On XXXX I called backe because I still did not receive it. XXXX told me it was processed on XXXX and mailed on XXXX. I called back on XXXX because I still did not have the refund. " XXXX '' told me he didn't know anything about how to help me and did not know where my refund was or when it was processed. He said he would transfer me to " accounting '' so they could help me and he transferred me to XXXX. XXXX said he was in customer service and that there is no accounting office I could be transferred me to. He then went on to tell me that the refund was mailed on XXXX. On XXXX I called back and asked to speak to a supervisor, I spoke to who said that it was processed on the XXXX of XXXX and mailed on the XXXX. He went on to tell me that if I don't receive it by the XXXX of XXXX, a full month and a half after I made the overpayment, I could call and per their " policy '' they would cancel the original and send the new refund within ANOTHER 30 days. I called again on XX/XX/XXXX and XXXX told me the same thing. I also asked that they simply send me something to verify that they actually sent my refund and when it was sent and they told me that they would have to go to " legal '' to provide such a document and that would take about 30 days to provide. I also sent 2 emails and thus far, even though one of them was acknowledged, NO REPLY!
11/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 36301	Web	Older American
Roundpoint mortgage servicing corporation obtained the mortgage I closed with XXXX XXXX on XX/XX/2018. This loan includes an escrow requirement for property taxes. On XX/XX/2018, I provided XXXX XXXX with a letter from the county indicating that I owed no property taxes for XX/XX/XXXX. I asked XXXX XXXX to remove the property tax escrow from my mortgage payment. They indicated they had sold the loan and could not do anything and I should contact the new owner of the loan, but they couldn't give me the new owner 's contact info until XX/XX/2018. On XX/XX/2018, I was notified that the owner of my loan was now Roundpoint mortgage servicing corporation. I immediately provided XXXX with the letter from the county indicating I owed no property taxes for XX/XX/XXXX and asked them to remove the property tax escrow requirement from my loan and to apply the XX/XX/XXXX property tax I already paid to my loan balance. XXXX notified me that they received my request and would contact me by XX/XX/2018. I never heard from them. They sent me a letter saying that the escrow could not be eliminated since I owed escrow payments for insurance and for PMI payments. I notified XXXX that I did not request the elimination of the escrow, only the removal of the property tax component. I spoke with a supervisor at XXXX who guaranteed me that my issue would be resolved by XX/XX/2018, and she guaranteed me a call on XX/XX/2018, to verify the resolution. I have not heard from XXXX and my account still shows the payment required for the property tax escrow.
08/30/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MD 206XX	Web	Servicemember
The purchaser of our FHA mortgage, RoundPoint Mortgage Servicing Corporation, refuses to pay our special assessment ( Front Foot Benefit Charge ) from escrow despite collecting the amount each month. XXXX XXXX XXXX XXXX, Chapter XXXX, XXXX XXXX ( D ) ( XXXX ) states clearly that special assessments are required by XXXX to be escrowed. More so, XXXX XXXX XXXX, XXXX XXXX, XXXX A ( XXXX ) ( a ) ( XXXX ) ( A ) is unequivocal when it states : " The Mortgagee must collect a monthly amount from the Borrower that will enable it to pay all escrow obligations in accordance with XXXX CFR XXXX. '' Special assessments are listed as an obligation. This item was correctly accomplished during the establishment of our escrow account by the original mortgagee, XXXX Mortgage XXXX XXXX XXXX, as noted in XXXX XXXX, for a monthly payment of {$100.00} ( for the annual assessment of {$1200.00} ) as required by para XXXX. However, the following attachments will provide the information required to show that RoundPoint Mortgage is not meeting its XXXX obligations for this government-backed mortgage. Atch XXXX is the current mortgage statement. It clearly shows a payment in accordance with XXXX XXXX. Atch XXXX is the current escrow account. Atch XXXX is our current property tax bill. XXXX XXXX is the home insurance. Atch XXXX is the escrow analysis that RoundPoint accomplished which does NOT show the special assessment that is being collected. Please note that RoundPoint is collecting property tax that is 23.69 % higher than required per XXXX XXXX.
08/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32216	Web
Every year Roundpoint sends me a letter stating that they need my property insurance for my condominium including the Condo Master Policy and the Unit Owners Policy. Every year I submit this information through the portal that they request ( XXXX ) and get a confirmation of receipt. However, Roundpoint still ends up sending me multiple notices claiming they have " not received the current property insurance for your Unit ''. I have attached evidence of receipt of my insurance policies on XX/XX/2022 from XXXX. I also have separately attached : ( a ) the master association policy ; ( b ) the condominium unit policy including that Roundpoint is listed as the mortgagor ( they send proof of insurance to the mortgagor each year for every single insured party as part of their standard processes ) ; and ( c ) the letter they mailed to me dated XX/XX/2022, more than three weeks since XXXX acknowledged receipt of both policies. I own multiple properties that are part of a condominium association, but Roundpoint is the only servicer that can not figure out how to directly request the master policy from the association, or do basic due diligence to make sure that policies have been submitted via XXXX Separately, my unit insurer, XXXX, directly sends the policy information to Roundpoint as well. I am not sure if Roundpoint does this to try to put an insurance policy on the property themselves to make more money or what, but given that this is a recurring annual issue it is probably something systematic to other borrowers.
08/02/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 10308	Web
I am contacting the CFPB as I have tried dealing with my mortgage servicing company, Roundpoint Mortgage Servicing for over a month now to get the permanent modification agreement issued. I had completed the three trial payments X/X/17, X/X/17 & X/X/17. I was told by Roundpoint that there are ECB violations reporting on the title report that must be cleared before the permanent modification is issued. After I went to the ECB ( Environmental Control Board ) and obtained proof there is no and had never been any ECB violations on this property and I faxed the proof to Roundpoint. I was then told that the ECB lien is coming up on a different property but the same name as mine so this needs to be satisfied. I submitted proof this is not my property and never has been. They are insisting this must be satisfied anyways. I called the ECB again and they advised that this situation should not be. All New York title reports pull ECB violations which come up with the same name but if the property is not the subject premises, it is not my responsibility if I do not own the property which I do not and have proved I do not own. I have taken off two days of work to obtain the nonsense documents Roundpoint is requiring to be in the same place where they are requiring this to be satisfied. I understand Roundpoint is not located in New York so they may not be aware of how the ECB violations work but they are refusing to confirm this. I even called three New York title companies and also verified I would not be responsible to satisfy
01/04/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	AZ 85086	Web
We are in the process of short selling our home and have filed a complaint regarding Roundpoint Mortgage 's lack of assistance during the process. This complaint is regarding the excessive amount of time it is taking Roundpoint Mortgage to update the short sale approval date extension. We sent an addendum to them on XXXX XXXX, XXXX, as you can see in the attachments and still have not received a response back from them as of today 's date, XXXX XXXX, XXXX. We have made several other attempts to contact them via phone calls/voice mails and through email, as you can see from the attachments and yet the closing date still has not be approved nor have they responded to us with any status change. During XXXX phone conversation, my husband was told by a Roundpoint representative that they were unable to open the PDF document we sent them with the addendum reflecting the closing date. No one at Roundpoint responded to our request for confirmation of receipt of the addendum so my husband spent an hour on the phone trying to get a representative to confirm the receipt only to be told they were unable verify the file could be opened for a minimum of 48 hours. After pleading with the service rep, XXXX, she did provide her personal e-mail and confirmed the file could be successfully opened. The short sale has been approved once, but at this pace, the extension that we requested is going to need to extended due Roundpoint 's lack of urgency and lack of action we are enduring. Please help! This is a simple approval extension.
05/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73072	Web
I have a fixed rate conventional mortgage signed on XXXX XXXX, XXXX. This loan had a monthly PMI and with this I have my 'NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE - INITIAL DISCLOSURE - FIXED RATE MORTGAGES '. There is an 'AUTOMATIC TERMINATION OF PMI ' clause on this disclosure. The automatic termination date was XXXX XXXX. Roundpoint Mortgage has refused to acknowledge this and will not terminate the monthly MIP nor will they refund all the unearned PMI premiums that I have paid since then. I have made EVERY PAYMENT ON TIME. I have been in the mortgage loan business since XXXX and I know the guidelines and when a Lender/Servicer is being less than honest. I have called and requested to speak to someone about this I was told I have to submit a request in writing. I did that and also sent a copy of my disclosure and request for a refund for the months I have paid sine XXXX XXXX, XXXX. I have since been told by RoundPoint that I need to get an appraisal first to verify that my loan is indeed at 80 %. I have been told by them that I do not need an appraisal because my PMI will terminate in XXXX XXXX, XXXX. I have been told by them that It will terminate in XXXX XXXX and XXXX. I have asked several times to speak with a supervisor and have never been given one. I have been places on hold for HOURS after asking for a supervisor and of course no one ever picked up the phone. This is frustrating to say the least. I have never been treated do poorly by a company that I felt the need to file an official complaint.
02/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92021	Web
RoundPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX CA XXXX Short Sale Package was submitted to RoundPoint on XXXX/XXXX/XXXX. The offer price is $ XXXX. Finally on XXXX/XXXX/XXXX we were told that they were looking for a net of $ XXXX. The rep we spoke with sent a message to their negotiator, XXXX XXXX, to call us back by the end of the day to discuss. We were assured we would get a call by the end of the day. No one called us. In addition, the rep we spoke with did n't even know what XXXX was. On XXXX/XXXX/XXXX we sent an email to XXXX XXXX requesting a call back. No one called back or even responded to the email. On XXXX/XXXX/XXXX we called RoundPoint again. We were told that they had " approved the short sale with a net proceeds of XXXX ''. However, they are refusing to provide anything to support the net proceeds, nor will anyone in their company discuss this with us in any way whatsoever. 1. RoundPoint is outright refusing to return any phone call whatsoever to the Authorized Third Party. 2. RoundPoint is committing valuation fraud by overvaluing the property and not allowing a value dispute. 3. RoundPoint is violating the ECOA guidelines by not providing a copy of the Appraisal/XXXX as requested. 4. I 'm pretty sure they are also violating their servicing guidelines and Defrauding their Investor, considering that no one in the company knows what XXXX is, and they are committing valuation fraud, and everyone in the company is refusing to call us back or speak to us on this matter.
12/04/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33950	Web	Older American
I closed on my house XX/XX/2019. I have been calling my mortgage servicing company Roundpoint ... for 3 WEEKS asking about my escrow account. I have requested they stop payment on the check ... .they say they mailed ... .so they can't issue a new one. They kept telling me we can't do that until XXXX XXXX ... ..now today they are telling me that they can't do anything for another 2 - 3 weeks. This is stupid ... ..they were given the new address to mail this to on XXXX XXXX ... and I requested then that they cancel the check they had cut ... .because they weren't going to mail it until the XXXX ... .they said they couldn't and just the forwarding process clear it up. I requested again that they just cut a new check with the new address and stop payment on the old one even if it would take an extra week to do it. They said couldn't do it. Today I requested PROOF that they even mailed the check. They said they didn't have proof it was mailed on XX/XX/XXXX ... how do I even know they mailed it??? So banks have all the power in the world to XXXX people over by just saying they mailed something but with no proof? Do I have the same rights to tell a mortgage company I mailed a check and they wouldn't be able to do anything to me or my credit? THIS IS PLAIN STUPID THAT THEY CAN KEEP PUTTING ME OFF AND NOT PAY ME. Today is XX/XX/XXXX I have waited the time they requested ... they should cut me a new check and overnight it to me. I doubt they ever sent the first one ... .even the post office is not this bad.
02/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29407	Web
The County sent out a tax bill for my condo in XXXX of 2016 ( approximately {$4000.00} ) prior to reviewing and approving my application to be taxed at the homestead rate. I received a new updated tax bill in late XXXX or early XXXX and provided it my mortgage servicer Roundpoint Mortgage Servicing. I spoke to them on the phone and they informed me that a new escrow analysis would be conducted and that I would receive a refund for the shortage I was charged after the tax bill was received. I called again in late XXXX and was informed that the escrow analysis would be completed on XXXX XXXX. I logged in online and saw no change to my escrow analysis. I called again on XXXX XXXX and they informed me that it should show up online that day. It is now XXXX XXXX and the escrow analysis has still not been completed. I called Roundpoint today and they informed me that it says in their system it should have been completed but they are going to expedite request and it should be processed in 24-72 hours but then I would need to allow another 3-5 business days for the escrow analysis to be completed. I find it funny that they were so quick to perform a new analysis when they received the incorrect and higher tax bill, but at this stage I can not get an answer as to when I will receive a refund of my overpayments and my future payments are reduced to reflect my actual property taxes and insurance. I do n't trust Roundpoint anymore to provide me with accurate information and I would like to receive my refund.
05/22/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32257	Web
Our home was impacted by Hurricane Irma, we reached out to our mortgage company Roundpoint for assistance, they provided Foebearance on the account where they deferred XXXX, XXXX and XXXX payments and in XXXX there would be a balance due for the the deferred amount including XXXX payment and if you were not able to pay the full amount they can offer further assistance for a modification review. I was not able to cover 4 months of payments so I contacted Roundpoint to advise would like to apply for the modification, I was able to resume monthly payments starting XXXX and have been making regular monthly payments since then, I was advised by Roundpoint that there was nothing needed for the review and my account would not have a negative impact due to the natural disaster. Well its XXXX now and there still no decision, Roundpoint has applied late fees and loan level advance fees for property inspections and has reported late to the credit bureau, I have reached out to Roundpoint regarding the matter they said they will adjust the charges and correct the credit report, as of today no adjustments have been made no correction to the credit bureau. My credit has been impacted on one of my credit cards with XXXX went from a credit score XXXX to XXXX where they lowered my credit limit on the card. When I call Roundpoint all they can advise me nothing needed its still in process Please I need help to get this issue resolved and the corrections that Roundpoint said they would do but have done nothing.
11/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 279XX	Web
This is a general complaint about the mortgage industry. As a XXXX I understand the workings but as a homeowner I am XXXX off about it also. I go to a lender to get a loan for a house, I choose a reputable company to do business with and do my due diligence in selecting a company with a good track record and customer service. Just about every company will then sell my loan to someone else to service for the life of the loan or until it is sold again. This is my problem, I have no say in who is able buy and service my loan, I get nothing but a headache when dealing with them. They do not estimate my escrow correctly and now I am hit with an additional $ XXXX/month. When they took over my loan the monthly payment dropped over a hundred dollars, so I knew this was coming at some point. It does not take a rocket scientist to look at taxes and insurance and come up with an escrow plan. But for someone on a fixed income or tighter budged could be XXXX. I cant even refinance with a good company because there is a good chance that it would then get sold and who knows I might end up with the same horrible service company I am with now. I think consumers should have the RIGHT to say yes or no to who services their loan. I would never choose a company with horrible service or a bad track record when it comes to escrow management. I know this will never see the light of day but as a XXXX this is a problem that needs to be addressed as the consumer has no choice in the matter and it is WRONG! XXXX XXXX
01/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 337XX	Web
RoundPoint Mortgage is my servicer. As with most homeowners, I pay escrow every month as part of my mortgage payment. However, RoundPoint paid one of my insurance premiums a week and a half late ( due XXXX/XXXX/2016 ) causing the insurance provider to cancel my policy. Four months later my account gets assessed with a forced-place insurance policy that is conveniently offered by an affiliate of RoundPoint. This made me angry for multiple reasons. One, I was unknowingly without insurance for several months due to an error which RoundPoint has admitted to, but still not corrected. Had something tragic happened to my property, I have no idea how RoundPoint would have addressed. Thankfully nothing happened to my home, but the concern is still valid. Additionally, my total annual premium is {$770.00}. The policy RoundPoint offered was approximately 6 times the cost of that. RoundPoint also forced a retroactive placement of the policy, so by the time I realized anything was wrong, I already had 4 months of charges against an absurdly overpriced policy. Additionally, one of their customer service reps notified me that the insurance vendor is an affiliate of RoundPoint. They profited from their own mistake! Despite 5-10 phone calls, and 20+ emails over the past 6 months, I am always left waiting for one of their " managers '' to return my messages after they promise to do so. I consistently get a few responses and then the trail goes dry. It 's like they 're purposefully waiting for me to give up.
09/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34275	Web
My loan was purchased/sold to round point mortgage. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of {$2000.00} in agreement with the mortgage and escrow payments required. The double payment in XX/XX/XXXX was due to a miss payment when setting up the auto-pay when the mortgage was purchased. It was the payment of XX/XX/XXXX. The payment for XX/XX/XXXX and XX/XX/XXXX was $ XXXX due to a shortage in escrow balance. Round point had a higher minimum amount that the original loan agreement. The next due payment is now for {$2300.00}. Again an increase in escrow due to a shortage. Under further investigation into my account, Under Taxes I am not listed responsible for XXXX XXXX for {$2000.00} and for XXXX XXXX {$1700.00} ( the county I live in ). That is the reason my escrow has increased. This is a mistake by Round-point mortgage adding the additional county erroneously. In my attempts to fix the issue that want me to send in my tax bill. I have not received it yet, and I should not be required to do anything to fix my account back to the original monthly payment. I have tried to escalate within the ranks for Roundpoint and have been hung-up on and placed on infinite hold. What they are doing is illegal and I would like to get in resolved as soon as possible. After a second call back I have been told to give them at least a week to resolve the issue. I am still filling this complaint in case it is not resolved correctly and should have never occurred.
04/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92869	Web
RoundPoint Mortgage Servicing Corp was servicing my mortgage for my condo. In XX/XX/XXXX they decided that I needed to have an Escrow account set up by them and a they also set up forced hazard insurance, even though I already had hazard insurance through my association. Beginning XX/XX/XXXX they billed me for an addition $ XXXX/month on top of my mortgage. I chose to refinance and get rid of them because they were not working with me and after having shown them proof of Hazard insurance they still wanted to force their policy on me. At the time of the refinance they set up an overdraft on my account and paid themselves {$2900.00} for the force placed insurance. I have received " Notice of Forced Placed Insurance Cancellation '' from RoundPoint, stating that " there was no lapse in coverage '', and a statement saying that " the full reimbursement for the force placed policy will be credited to your account ''. The overdraft was debited back in XXXX, I have called Roundpoint and asked for my money back and they have no response for where the money they took went. On XXXX XXXX, I called their customer service department for a fourth time and spoke to a supervisor named XXXX ( ID : XXXX ) and he said he would call me the next day with a response. I called exactly a week later to ask why he did not call and to ask if they had found the money. This time he refused to talk to me and said it was being " researched ''. I have felt manipulated, lied to and stolen from by this company.
01/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT XXXXX	Web
Starting with my XX/XX/XXXX payment and with each monthly payment through XX/XX/XXXX in addition to my monthly payment, I included an additional {$10000.00} dollar payment to go to paying down my outstanding principal. This was submitted with the companies own payment coupon and was clearly stated for what each amount was being payed. These additional payments have not been properly posted to my account. Before the {$10000.00} payments were credited against my outstanding principal, the next month 's payment was subtracted from it and the remainder credited to my outstanding principal. This has resulted in my outstanding principal balance being too high and me being over charged on interest owed. I have written letters to my mortgage company twice asking for this problem to be corrected and my outstanding principal balance to be brought up to date. These letters were sent on XX/XX/XXXX and XX/XX/XXXX. The first letter resulted in my balances being corrected for XXXX and XXXX but not for XXXX Another attempt to correct the situation was made by Roundpoint Mortgage but that did n't address the over charges made for interest due and thus did n't resolve the problem. As of today ( XX/XX/XXXX ) my outstanding principal is stated as being {$130000.00} instead of the {$130000.00} that it should be. Each month that this continues only compounds the problem. I am being over charged on interest and my payments against my outstanding principal are smaller than they should be.
12/17/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33993	Web
I have refinanced my mortgage and had a closing on XXXX/XXXX/XXXX. My old mortgage was serviced by roundpoint mortgage servicing corp.I had a escrow account with a approximant balance of {$8000.00}. The mortgage was funded on XXXX/XXXX/XXXX .The Property taxes were due in XXXX so the new mortgage company made me pay the property taxes at closing in the amount of {$5900.00}. I contacted Roundpoint and asked them when they would be sending me my escrow money and they said they would be sending me a check for {$2000.00} that was remaining in my account in a few weeks. That was on XXXX/XXXX/XXXX. I asked them about the other {$5900.00} and they said that they paid the taxes with that money. I told them that I already paid the taxes at closing and have called the XXXX county tax office to verify and was told that the only money that they received was from my closing. I have made several attempts to resolve this but I keep getting lied to by roundpoint. They told my on XXXX/XXXX/XXXX that a check was mailed to me on XXXX/XXXX/XXXX for {$2000.00}. I called again today XXXX/XXXX/XXXX and now they say that it was only processed on XXXX and it was mailed on XXXX/XXXX/XXXX. They also said that they do n't know were the rest of my money is and they are investigating it and should have an answer for me by XXXX/XXXX/XXXX. That is {$5900.00}, I told them that if I took that long to make my mortgage payment I would be in foreclosure. I still have not received any money from roundpoint.
05/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA XXXXX	Web
We refinanced our home with a new lender and the old servicer ( Roundpoint Mortgage ) received the payoff on XX/XX/XXXX. It is XX/XX/XXXX and we have yet to recieve the escrow refund, which 12 CFR Part 1024.34 requires to be returned within 20 business days. The first time I called ( XXXX ), they indicated I had to wait until XX/XX/XXXX before stopping payment and requesting a new check, but they would not give me a firm date on when the check got put in the mail. The documentation from my account indicates that they processed the refund on XX/XX/XXXX and when I spoke to a customer service representative today, they claim to have mailed the check no later than XX/XX/XXXX. With that information, the took my request to stop payment on the current check and issue a new one ( which is inconsistent with what I heard on my first phone call ). They claim to have followed the guidelines, but the song-and-dance seems disingenuous. They've made statements that their check processor is taking longer than normal but would not provide details. They also stated that once written, they take upto a week to get the check in the mail and are pointing to USPS as a potential cause to the problem, but they don't offer any tracking of the check. 5-10 business days is a reasonable waiting period to allow for them to write, mail, and get the check delivered. A month is not. They are well beyond the required 20 days, even allowing for some rational processing and mailing times.
04/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22312	Web
My mortgage was moved to Round Point Mortgage via XXXXXXXX XXXX in XX/XX/2021. It took 2+ months of dealing with them to just get a simple biweekly payment schedule setup and multiple times talking to them for hours and being told it would be corrected then it was not. I then made a complaint on CFPB and a customer advocate actually helped out to get the biweekly process started, so I thought. I know come to see that my biweekly payments are not being processed as I was told when I sent it up. Screen shots and emails are in the attachments. This scam company is try to stop me from paying off my mortgage sooner not allowing me to utilizing a biweekly pay format to cut down on my principle. The setup below was finally created on XX/XX/XXXX and on XX/XX/XXXX my first biweekly payment was taken out. But it was never processed and put against principle like it was supposed to XXXX screen shot attached ). I request information from them over 48 hours ago and have still not heard back. I have called the advocate and every time I do it goes straight to voicemail. First biweekly : {$1400.00} normal payment + {$600.00} toward principal Second biweekly : {$1400.00} normal payment + {$600.00} toward principal Etc. For a total of 26 payments per year. The major red flag about this company is that you have to jump through such hoops to do the simplest of actions that most every other mortgage company has simple click of a button to get done on their website.
08/15/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 46123	Web
I closed on the sale of my home on XX/XX/XXXX. Subsequently I called to give Roundpoint my new address so my escrow refund would be mailed to my new address. On XX/XX/XXXX I received my Customer Account Activity Statement addressed to my old address and called. It was dated XX/XX/XXXX and showed my escrow account was refunded XX/XX/XXXX. But the CSR told us it was mailed XX/XX/XXXX! I was repeatedly told they would not stop payment and reissue until 10 days after the check was issued. On XX/XX/XXXX I spoke with XXXX who said the check was issued XX/XX/XXXX! She promised to stop payment and have it reissued through the Cashiers Dept and would call us by XX/XX/XXXX. On XX/XX/XXXX I had to call her as I had heard nothing. I waited on the phone for close to 45 minutes for her to pick up my call. She agreed to stop payment, let her Cashiers Dept know I wanted the check sent overnight, and call me on XX/XX/XXXX. She did n't call. I called her today, XX/XX/XXXX, and waited 1.25 hours for her to take my call. She then informed me a check was MAILED XX/XX/XXXX because she did n't get with the Cashiers Dept quickly enough to have it sent overnight. So, now I 'm to wait another 10 business days to see if my check is received. It 's my understanding that escrow refunds are to be received within 30 days of the escrow account being closed. That did not happen. I also have a witness that heard both sides of the conversations because I had all calls on speaker phone.
09/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30127	Web
I'm working with Roundpoint Mortgage. I pay {$3300.00} per month. I made the prepayment of {$15000.00} ( {$4000.00} once and then {$10000.00} ). I was hoping the payment to automatically reflect that but it didnt and when i called i was told that i need to apply for a mortgage recast. I mailed in form the customer service rep told me to mail in and even emailed the same form on the XXXX of this month. I called again after mailing it out and spoke to the same rep who told me that she'll mail out another application after they receive my form. I asked her to email that to me to expedite the process to which she told me they dont email it out. I was surprised as to why would they not email it to me and why only mail it? It clearly looks like they are tyring to delay the recast process so that they dont reduce my payment even though I've prepaid {$14000.00} towards my principal. So i followed up today on this and asked the agent when are they going to mail me that application? He confirmed that they have received the form i sent in last week and said they have assigned a rep for this and that they are not going to mail out the application. This is not what i was told last week. Then this rep transfers me to 6 different people and everyone looks like is trying to give me a run around just to prolong the recast process so that the ROUNDPOINT Mortgage doesnt reduce my payment even though they have received {$14000.00} in prepayment towards the principal.
04/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 078XX	Web
After receiving a letter from my Insurance Agent ( XXXX XXXX, XXXX, NJ XXXX, Phone : XXXX ) warning me of the imminent cancellation of my flood insurance policy due to NON-PAYMENT BY ROUNDPOINT, I called Roundpoint Mortgage Servicing Corporations customer service on XX/XX/XXXX at XXXX to inquire as to WHY my flood insurance policy had not been renewed and was told by Roundpoint 's customer service representative that it would be renewed right away. Apparently, nothing was done because several days later I received a letter from Roundpoint telling me my flood insurance had lapsed and they were going to bill me {$2300.00} for THEIR flood insurance coverage. They also erroneously stated my home was in " Special Flood Insurance Hazard Area '' which it is not. I have had Flood Insurance through National Flood Insurance Program and FEMA since 2013 - and XXXX XXXX is the issuing Insurance Agent that is payed the premium. So, despite the fact that Roundpoint collected Flood Insurance escrows from me, I was forced to renew and pay for this coverage myself out-of-pocket, ( amount of {$450.00} ) due to Roundpoints failure to renew this coverage in a timely manner. I expect Roundpoint Mortage Servicing Corporation to contact ME to rectify any issues with respect to any escrow imbalances or shortfalls that may have occurred due to their failure to renew my flood insurance policy, and/or issue my a refund of my flood insurance escrows that they are holding.
10/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 801XX	Web	Older American
My home was damaged by a hail storm on XXXX/XXXX/2016. My insurer XXXX XXXX sent an adjustor and issued a check for {$34000.00}. The check was payable to my wife and me as joint owners and Roundpoint Mortgage Servicing Company who services the mortgage on the property. Round point required we endorse the check and send it to them along with a long list of documents. Having no choice even though we anticipated trouble, we endorsed the check and sent it to them with many documents. The work is now complete and the contractors have been paid. We have sent Roundpoint a copy of the insurance adjustors report, notarized affidavits from both the roofing and the painting contractors affirming the existence of a contract and waiving their rights to liens on the property, XXXX for both contractors, quotes for the work from both contractors, and paid invoices for both contractors. Nonetheless Roundpoint refuses to release the funds. I am sufficiently upset with them that I will pay off the mortgage when this issue is resolved and have asked them to apply the funds in question to my outstanding balance. They have refused to do that as well. The whole problem smacks of a scam to hold the money interest free for as long as they can. Their requirements are completely unreasonable. Anything you can do to get these funds released will be much appreciated. Round point 's address is XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number is XXXX. Thank you for your assistance.
01/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98023	Web
In late 2022, our home mortgage was sold to a new company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/2022 I registered for a new account with RoundPoint and received a confirmation that my account was set up, and I was able to pay my mortgage online in XX/XX/2022. Starting in XX/XX/2022, the site no longer recognized my password. I attempted to reset it and have a password update link emailed to the email on file, but the reset links never arrived in my inbox. Since XX/XX/2022, I've emailed RoundPoint numerous times, asking for help in resetting my password so that I can access my account information. I never receive a personalized response. Each time, I receive an automated email response saying that they've reset my password and providing a new one, but each time I attempt to use the new password, it isn't valid. If you try to call RoundPoint 's customer service phone number, it's impossible to reach a human being to receive help. I've tried numerous times to navigate the automated touchtone phone menu, but each time I receive automated information. The only way I can pay my mortgage other than mailing a check, which I'm not comfortable with, is to use their pay-by-phone automated system, which is time-consuming and not customer-friendly. I would like to lodge a complaint against RoundPoint for shutting me out of my account and refusing to speak with me about my mortgage account access issues
01/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web
This was sent to resolve the issue : Information : Sent on XX/XX/XXXX at XXXX I need an email stating the reason for 90 past due was because of a forbearance -modification period. This was supposed to be corrected by Roundpoint Mortgage just like my other account after the trial period was completed. I full filled all my obligations on time based on the guidelines of the forbearance -modification. This is a reporting error, as a result it has affected my credit rating negatively. There have several recorded phone conversations stating that the forbearance -modification wasnt suppose to impact by credit negatively. Thanks What do I need : An email giving an explanation for the 90 days past due within 24 hours. Action : If I dont receive the email with 24 hours stating the inaccurate reporting, I will file a complaint with the Consumer Financial Protection Bureau at the end of business on Friday XX/XX/XXXX XXXX. Simply waiting for the matter to be vetted and resolve later is not an option. Its been months since the forbearance -modification was completed. Thanks. Sent XX/XX/XXXX XXXX All, I received a phone call on XX/XX/XXXX satiating my account was never late but there were no documentation ( email ) to support that. Im in the process of filing a complaint with Consumer Financial Protection Bureau as we speak. Action : I need an email within 2-4 hours from Roundpoint delivering on their promise that the issue was resolved via email. Thanks.
04/01/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 90710	Web
I had my mortgage with Roundpoint Mortgage. I am refinancing with another Lender. My New Lender is in a constant battle with Roundpoint about the closing costs. Roundpoint continually charges their XXXX based on old laws. My lender sites this " CFPB 's Ability to Repay and Qualified Mortgage Standards under TILA, servicers may only charge interest through the date the mortgage is paid. The change is effective for all FHA loans closed on or after XXXX XXXX, XXXX ''. so as you can tell my loan is an FHA loan. My loan Funded on XXXX XXXX, XXXX. The attachment called XXXX is attached showing payoff balance. On XXXX XXXX, XXXX XXXX XXXX emailed me that additional funds were needed to close the loan. That is the Second attachment XXXX. XXXX still holds to his position that Round point is not allowed to charge additional interest. Additional it is not just {$810.00}, Roundpoint has taken my Suspense Balance of {$1000.00}, So a total of {$1800.00}. After the close of loan. When I was on the phone with the Specialist from Roundpoint ( XXXX ) He stated that if this {$810.00} was not paid immediately to HIM after XXXX XXXX, XXXX. Round point would charge me another month of XXXX. Since It appeared to be a Robbery with my loan held hostage, I made the ACH payment while I was on the phone with XXXX. I will now try to get my money back, via the CFPB ( {$1800.00} ). The Final attachment are the details of my discussion with Roundpoint on this matter.
07/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 225XX	Web
I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! They sold my mortgage to a debt collection agency, not another mortgage lender even though I have great credit. Hoping and praying, XXXX XXXX
07/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94513	Web
Round Point Mortgage Servicing ( RMP ) has held the final funds submitted to us for a XXXX claim with our XXXX XXXX XXXX XXXX company XXXX that took place in XXXX 2016 and we received in XXXX 2016. They have also been holding funds due to the company that provided mitigation services. We have provided everything they 've asked us for and each time we send in the requested information, something new is added by RMP as an additional requirement. On 3 occasions, since XXXX 2016, we 've been told that funds would be disbursed to us within a week. They never return calls or send correspondence noting or identifying needs but each time we ask why no funds as promised, something is added as an unmet " requirement. '' RMP even went as far as almost doubling our claim amount and adding requirements that are for the higher amount, though grossly in error. The most recent interactions we have has been in direct communication with the Social Media Manager who responded to a XXXX review I made expressing concerns. XXXX XXXX promised to get the issues resolved and told us on XXXX that funds were to be disbursed but we have not received a date for when the check would print nor an estimated date. When we check our account online it only reflects partial payment pending disbursement to the service provider that has not been paid. There is nothing even pending for the funds due to us personally, despite the fact that such has been promised by XXXX.
02/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28269	Web
Round Point Servicing Company has now admitted that they deliberately sent too early of a payment to my home insurance company and that it was the insurance department 's error on their behalf. This was after last years error of claiming my insurance policy number changed ( which this year they claim it never did ) and the year prior having an error of how their company was listed in the insurance side that they couldn't manage to call the insurer until I was on a 3 way call with all parties. Now Round Point has managed to over draft my escrow account by paying for the premium twice, rather then doing, as promised over the phone by representative XXXX, paying the difference between the already sent payment and the current premium. So now to fix their XXXX up they want me to come down to their office, take time out of my schedule, and pay the difference to them. Do they want me to pick up their kids from daycare while I am on the way? When a company or individual screws up, they take responsibility and fix it, they don't make the customer fix the problem over and over and over again. You are a servicing company, you provide a service, if you don't do this then there is no point in your existence. Round Point will not fix Round Point 's XXXX up not me. They will have to put for effort ( this means work ) to fix this, I will not. I am done doing your work. I will continue to file complaints until your error is fixed by you Round Point.
03/05/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	KY 402XX	Web
XXXX XXXX XXXX and XXXX, XXXX, and XXXX ( XXXX ) did not abide by our agreement and court order to apply my arrears unpaid to my principal ( from prior hardship mortgage plan from job loss ). They brushed off my many emails and calls requesting help regarding my mortgage 's incorrect billing statements during a pandemic. My monthly bills showed an extra {$5000.00} plus due each month. I was advised my loan was still in process and someone would call back - FOR THE ENTIRE YEAR. I was on the phone countless hours with no assistance and I not only emailed XXXX XXXX XXXX, but emailed XXXX for assistance. They never provided any detailed itemization of this {$5000.00} plus unpaid amount they added to my billing. Never provided explanation of why my principal increased so much, or provided any assistance with loan status. Even when my attorney reached out, they advised they would look into it and that was it. XXXX XXXX XXXX then sold my loan with the incorrect information to Roundpoint Mortgage, so instead of showing up to date Roundpoint has that I have not paid since XX/XX/XXXX. Which is not correct. Roundpoint, in turn, sent me a packet on foreclosure assistance two weeks ago and a bill for {$6000.00} plus, when my monthly payment is {$660.00}. I tried to refinance and was denied, because XXXX XXXX XXXX reported that I have not paid for my mortgage since XX/XX/XXXX and they would not correct or acknowledge my request to correct.
06/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72223	Web
Trying to get our escrow account refunded. On our online account is showed that we had a refund due in the amount of {$1800.00} and that it was processed on XX/XX/2019. We had not received anything in the mail and it was the end of XXXX. We were advised that a check has been mailed, but if we do not receive it by XX/XX/XXXX that we could call and ask to have it re-issued. We called back on XX/XX/XXXX to advise that we had still not received the refund from our escrow account. The woman advised us that they were cancelling check # XXXX and would be reissuing the refund and we would have it in 5-10 business days. On XX/XX/2019 we received communication from Roundpoint Mortgage that was postmarked on XX/XX/2019. The refund check was in the envelope. I went to deposit the check and realized the check that was issued had an issue date of XX/XX/2019 and it was check # XXXX. So somehow the check that they claimed to have mailed did not get sent until XX/XX/2019 which was 5 days after we had called and requested the check to be re-issued.We called to verify that the check had been cancelled as we did not want to have a returned item and get charged a fee. We were advised that the check # XXXX had been cancelled and that a new check was requested on XX/XX/2019 and we would have it in 5-10 business days. Here we are almost 60 days out from the day that the check was supposedly mailed and we do not know where our {$1800.00} refund is.
07/30/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 22102	Web
I have been struggling to pay my mortgage during the COVID crisis. I applied for, and was approved for, a forbearance plan. Despite this, the lender sends me emails stating that my mortgage is in default and states they will attempt foreclosure proceedings. Also, before my mortgage was transferred to another servicing agency, the mortgage was marked as a " foreclosure '', but I was in a loan modification period ( which was accepted ) and the property never went to foreclosure. In the loan modification process, i provided background information and a report number for my identity fraud case ( that led to the the incident in question ). Despite this, the credit report still has remarks of " foreclosure '' and the servicing company will not remove the derogatory remarks that were incurred due to the fraud. The " foreclosure '' comments led to my security clearance getting held up while the Government subpoenaed the evidence from the company. Despite this, they never corrected their reporting. They send me letters saying that they need the case report number, which was provided to them during the loan modification process. This was my previous servicing company, XXXX XXXX XXXX. Furthermore, despite being able to catch up my loan, the lender has not updated my credit report to reflect the " current '' status, which is required by law under the CARES act. My current servicing company is RoundPoint Mortgage Servicing , Inc.
09/13/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web
New Discovery. It appears that in XX/XX/XXXX a payoff amount was {$71000.00} on loan number XXXX and loan type Conventional. I am very concerned how is this is my payoff amount? And how did they arrive at that payoff amount balance? This is the same balance that is on that fraudulent XX/XX/XXXX XXXX loan modification document. The only rational that I see is that the {$21000.00} is missing funds that was not applied to the Round Point Mortgage loan account XXXX on XX/XX/XXXX. When you add the {$21000.00} New money to the existing mortgage balance the total comes out to {$71000.00} to be exact .what they did is took the missing funds of {$21000.00} that was not applied to my loan mortgage account on XX/XX/XXXX and invested in a money first account to make profit. I can remember I was inquiring about the loan amount and why it was a Conventional loan which I never got an answer to those questions. Then in XXXX I was con to signed 2 documents for the same amount of funds that has been missing since XX/XX/XXXX but I had no knowledge that all this was going on.That new money of {$21000.00} please investigate exactly where was those funds was applied to? On the loan modification its states investor loan No : XXXX did the missing funds applied thereXXXX XXXX XXXX XXXX has the loan modification documents that was transferred from Round Point Mortgage to XXXX XXXX XXXX on XX/XX/XXXX stating the same. Attached exhibits A B C
06/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30339	Web
On XX/XX/XXXX Roundpoint Mortgage issued a check out of my escrow account in the amount of {$1600.00}. My XXXX County Property taxes were {$1400.00}. This removal of funds from my escrow account lead to my escrow account being short for my tax payment. I was sent a letter by Roundpoint to pay over {$300.00} to get my escrow account back to where it needed to be. Then on XX/XX/XXXX Roundpoint supposedly issued a check for {$66.00} when a month prior had requested me pay {$300.00}. I did not receive this check. So the funds should be counted in my escrow account. On XXXX XXXX both I and Roundpoint mortgage received my annual notice of asessment from XXXX County Board PF Tax Assessors assessing my taxes at {$1500.00}. I filed a complaint with the CFPB in XX/XX/XXXX for Roundpoint and National General ( who services Roundpoint Mortgages escrow accounts ) for non-payment of my annual homeowners insurance. On XX/XX/XXXX Roundpoint removed {$330.00} from my escrow account. My current escrow balance is {$780.00} which will not cover my {$1500.00} tax bill in XXXX. Since purchasing my loan from XXXX XXXX, Roundpoint has mismanaged my escrow account. That have caused undo hassle, stress, and inconvenience by Constantly removing funds from my escrow account and then requesting that I pay a shortage. I feel as if this is fraudulent activity to lure me into having to pay fees for not maintaining an adequate escrow balance.
01/12/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 081XX	Web
My mortgage was with XXXX XXXX. After signing, they notified me that they put the wrong insurance company on the paperwork and made me resign things. Then they sold it to Roundpoint XXXX. They immediately tried to raise my monthly payments because they said they had paperwork with the higher insurance price. I called XXXX and they supposively fixed it. Then in XXXXXXXX 2017, I get notification from Roundpoint that they were selling my mortgage. But after they decided to sell it, they did an escrow analysis and decided my payment should be increaed from {$1400.00} to {$1500.00}. When I contacted the new mortgage company, they told me that apparently Roundpoint was paying two different insurance companies ( incorrectly ) and that extra {$1200.00} was them mistakingly paying the new insurance. When they did their escrow analysis, they failed to notice they were paying two different insurance comanies. Instead they noticed a shortage for the year of {$1200.00} and decided that I should make it up PLUS increase my payment to cover it for the next year. So they raised my mortgage by {$200.00} knowing they were selling it and the new payment would be to the new company. However, because they sold it, they new company is unable to do an escrow analysis for 60 days and expected me to pay the extra money until they could. Thankfully, I asked my issue to be escalated and XXXX XXXX was willing to figure this all out.
05/09/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	ME 045XX	Web
I have a federally backed convention mortgage. XXXX XXXX holds the note. On XX/XX/2020 I wrote to RoundPoint Mortgage Servicing to request mortgage forbearance under the CARES Act ( HR 748 ). I certified that my wife and I " are experiencing a financial hardship caused by the COVID-19 emergency. '' I then specifically requested that RoundPoint put our loan on forbearance for 180 days, and that the deferred payments NOT be made due in lump sum at the end of the forbearance period. See CFPB ( https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/ ) In response, RoundPoint sent an email on XX/XX/2020. The response indicated that RoundPoint would not honor my request under the CARES Act. In fact, the email required me to take additional steps of going to the RoundPoint website ( the URL of which, interestingly, was not included in the email ) to " request a temporary COVID-19 Forbearance Plan. '' Although I do not believe that email to be a valid response under the CARES Act, I honored the request and filled out the forms on the website. At the end of the form, Roundpoint offered to put the loan in forbearance for 90 days, with the forbearance payments due in a lump sum. That option is not what we are entitled to under the law. It appears RoundPoint is trying to divert borrowers into the less favorable terms of its own forbearance program. I do not accept that " solution. ''
02/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85260	Web
Mortgage servicing complaint against Roundpoint Mortgage Servicing Corporation. XXXX personal complaint with CFPB about Roundpoint in two years. In each incident Roundpoint has failed to cashed mailed payments on timely basis. I strongly suggest the regulating agency that is responsible for conducting audits pay a visit to Roundpoint. Roundpoint failed to return phone call " immediately '' as their voice response system stated. 5 days latter I phoned Roundpoint and waited 1/2 hr. on hold to speak with customer service rep in XXXX TX. Rep. informed me Roundpoint had not received payment and late charge was automatically charged. Rep. offered to take a courtesy ACH payment over the phone, I agreed. I shared past experience with XXXX the personal check that was not received was then cashed on the same day as the day the courtesy ACH payment was made. Rep. did look at my payment history and decided to waive late fee. Seriously this does n't pass the smell test, something potentially bigger then lack of execution between the lockbox services they have outsourced with XXXX and Roundpoints internal IT is happening. The leadership is either aware of the problem or they need to be made aware of the problem or they do n't care, could be the culture of the organization. XXXX XXXX had a saying, its ok to make a mistake because we can all learn from our mistakes but if you commit the same mistake twice your doomed to fail.
06/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 640XX	Web
We refinanced our mortgage in XXXX XXXX. It was quickly sold to RoundPoint Mortgage Servicing. On XXXX XXXX, XXXX I first contacted RoundPoint to notify them my initial escrow deposit of {$3300.00} was missing from escrow. It took until XXXX XXXX, XXXX for the funds to finally be deposited. The agent I worked with told me no analysis would be done because the Initial Escrow Analysis from origination was accurate. The deposit is incorrectly credited on the account as a Hazard Insurance Refund. Today I went to make my XX/XX/XXXX payment and noticed the payment has increased from {$1200.00} to {$1200.00} - increase of {$9.00}. I looked further and realized on XXXX XXXX, RoundPoint performed a short cycle analysis effective for the XXXX XXXX payment. They are violating RESPA guidelines and are not providing at least 30 days notice of a payment increase due to escrow. I was on the phone with customer service for over 1 hour and am no closer to an explanation. The level of customer service I have received is far below the level anyone should be receiving. For example, on the phone today, the agent informed me the analysis was performed and payment increased due to taxes increasing, which is completely false. I was also advised that they received an insurance refund on the account, again false. I should n't have to hand hold every customer service agent I speak with to tell THEM what is happening with my account.
01/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76028	Web
RoundPoint has transferred my mortgage to XXXX XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX. I was informed not to process any payments after XX/XX/XXXX to Roundpoint and that I needed to do nothing about automatic drafts scheduled after XX/XX/XXXX as they would not be processed. RoundPoint processed the automatic payment from my checking account on XX/XX/XXXX and failed to immediately transfer this payment to XXXX as a received payment for XXXX. XXXX processed an automatic payment from my checking account as a result on XX/XX/XXXX. I contacted RoundPoint to ensure this balance would be transferred before my XXXX due payment but the several contacts to the company did not resolve this and XXXX processed another mortgage payment from my checking account on XX/XX/XXXX. Upon contacting RoundPoint after this, I was informed that they put my money in a suspense account rather than transferring it with my loan to XXXX. I have contacted them again and they still have not transferred my money to apply to my mortgage with the new company. This has resulted in my finances being interrupted as these funds have been tied up for the past month. I 've made countless long calls, have had multiple failures to escalate, been called a liar about this payment, have been transferred to the main queue to start all over during calls, and not received any of the multiple callbacks promised by RoundPoint 's customer service.
02/09/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07013	Web
Hi, I am struggling very badly since I have lost my jobs in XX/XX/XXXX. But I never give up, I start driving XXXX, XXXX actively interviewing for jobs. But after a while rejection after rejection, I get mentally tired of it. I reached out to my Mortgage company RoundPoint Mortgage ( https : //www.rpmservicing.com ), and inform them of my hardship situation. They have adviced me to fill out a form and send them all of my earning statement, history struggling to be considered. After reviewing my case, one of the Agent called me and said to stop my mortgage payment from XX/XX/XXXX - XX/XX/XXXX. After that period the mortgage company will decide what I have to do. They also mention me to agree and sign a paper, so after 6 months, I have to pay back all the due payments including late fees and surcharge. I have tried to ask the agent how it will help me then. She said to get approved this is the only offer they can offer me now. So I didn't agree with that to sign. I have XXXXyrs old baby, and also we are expecting another in a few months. My wife was helping me on the mortgage, other bills, and home expenses. But on XXXX she also gets laid off from work because she is pregnant. We both were working hard and doing good in our career. Now with all the situation, I am straggling so hard. Please help with guidance, how can I save my home and lower my mortgage payments. XXXX XXXX XXXX XXXX
04/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92024	Web
On XX/XX/XXXX, I received an email from Roundpoint reporting the mortgage company had made an error on client 's XXXX XXXX form and that the corrections would be posted by XXXX. At this point I had already filed my taxes through my tax advisor. I called and wrote an email asking Roundpoint how and if clients would be compensated for any fee charged by a tax advisor for the amended documents since I had already filed my taxes and since any fee incurred at this point would be a direct result of Roundpoints error. On XX/XX/XXXX, I received an email stating that Roundpoint had mailed the corrected form ( as of XX/XX/XXXX it has still not been received, though it is posted on Roundpoints web portal ). I was also finally contacted by Roundpoint and spoke with " XXXX '' of the " customer advocacy department '' who informed me that Roundpoint would not reimburse clients for any fees charged by their tax advisors since we could " file free '' through the IRA. He added that Roundpoint 's only responsibility was to provide the corrected form before the tax deadline. I hired a tax advisor so my taxes could be completed correctly and was now being told by the company that was directly responsible for the problem, that THEIR error ( which is costing me not just money, but time ), is my problem. Roundpoints gross miscalculation has also led to my owing money to the IRS which I have to now budget for.
08/21/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	WA 98383	Web
I refinanced my home in XXXX with an FHA loan so I could do a less than 20 % down payment. Origination date was XXXX with first payment being XXXX. Mortgage holder is Roundpoint Mortgage. I received a notice that my escrow was in arrears in XXXX of XXXX after they did some sort of escrow analysis that I was n't informed of. Long story short, I wasnt paying mortgage insurance nor was I ever informed that I had to until that date. XXXX XXXX I began paying insurance and was n't assessed a penalty because it was their mistake. Fast forward to this month, XXXX of XXXX. I am selling my home with closing taking place next week. When I received my payoff statement there was an additional charge of XXXX dollars on top of the remaining principal. When I contacted Roundpoint they informed me that it would he for the balance of the insurance carried through until the original end of term for the mortgage even though it will be paid off in full next week. I am aware that it is possible to be charged one more month but was never informed until payoff time that I would have to pay insurance for a loan that wo n't exist after next week. Roundpoint can not even give me an answer as to why it 's that much. Even if prorated, MIP is .008 % of the original amount. I may need to delay paying or even cancel the sale due to the unfaithfulness of this institution in reporting their payment practices to me correctly.
02/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07731	Web
Company paid my real estate taxes to town twice. They have not adjusted in timely matter and are asking for a higher escrow payment to fix. I have been on the phone with Round Point Mortgage since this issue was noticed in XXXX of 2016. Since then I have received incorrect escrow analysis, inaccurate year end statement, wrong XXXX to file to IRS and multiple other wrong documents. I contacted Round Point again in XXXX about the issues above. I was told a case would be opened and if there was a double payment made to tax office that they will fix the above problems. Well that time has passed and I still have a wrong escrow and tax forms, so unable to file taxes. Also, have over payment of {$17000.00} to tax office and am currently prepayed and Tax office is aware of issue. But, Round Point still would like me to pay {$25000.00} to keep my mortgage payment the same to correct their error, with double payment to the tax office until they feel like fixing the issue. So, 3 months have passed and still same problem. Multiple phone calls asking to speak to someone handling my case and they state they ca n't be contacted, but that they are still working on it. Now new mortgage payment is due, and is extremely inaccurate and double the usual. Tax office has stated that they have had no contact from RoundPoint Mortgage ever. So in contacting ROund Point again I still have not had my issue corrected.
08/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48021	Web	Older American, Servicemember
I am filing a subsequent complaint to Complaint No. XXXX. I received by XXXX information from my mortgage company ( Roundpoint ). They sent to me what I have marked as ( Exhibit A ) which consisted of some of the documentation I sent to them when requesting assistance along with a contract I did not receive which is noted without my signature. In the letter that was sent with this packet Roundpoints ' representative stated that they offered me assistance in which I did not cooperate in supplying needed documentation. I have enclosed Exhibits B thru K of what was sent to them with dates in the form of emails and letters. My Exhibit L is the receipts of mortgage payments with dates made to Roundpoint. I had this same issue with Roundpoint in 2016 however, I did not know that I have any recourses available to me so I agreed to paying a month and a half mortgage payment for six months in order to become current because they did the same stall tactics that they are doing now. In their letter it states that I was offered two months without a mortgage payment after which they would report me late. That does not make sense I continued to make the payments timely and the only reason I reached out to them was to be assured that I would not receive another late report. I would appreciate any and everything you could do in this investigation to have them remove this black mark on my credit. Thank You
01/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34238	Web	Older American
An escrow account was created even though I have responded to and included all the info that was needed when the company sent it's original letter which was in XX/XX/XXXX. My monthly mortgage payment increased from {$1000.00}. to {$1200.00}. per month without my knowledge for the XX/XX/XXXX payment. After one hour on the phone I was assured the problem was solved and a refund check would be issued within ten business days. This was in the middle of XX/XX/XXXX. I am still waiting for the check. The mortgage amount taken in XX/XX/XXXX was still {$1200.00}. Calling the company for the third time, on XX/XX/XXXX, I was on the phone for another hour and I hung up in discuss after being left on hold forever. Several hours later, I got in touch with a supervisor who stated she would return my call by the end of the day on XX/XX/XXXX. I sent an email which was not answered by supervisor on Fri. XX/XX/XXXX On XX/XX/XXXX, another email was sent to the supervisor basically saying I was no longer paying the mortgage until I get a solution from the supervisor. She sent an email back to me apologizing profusely and saying she call with a solution as soon as the escrow dept. got back to her. I t is now, XXXX XXXX on XX/XX/XXXX. I have heard nothing even though the supervisor said she had all the paperwork she needed from me. Supervisor name-XXXX XXXX Phone # XXXX or XXXX. email address- XXXX.
01/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70124	Web
On XX/XX/23, XXXX ( XXXX XXXX ) from the " advocate '' area ( I guess? ) called me and left a voicemail. With no information. No direction. No help. No reason. NOTHING. Just XXXX, Roundpoint mortgage. Call us back. END Their phone tree takes far too long. There was no direction, no 'general ' area to talk to someone who can get me to the right place. I have spent 45 minutes on the phone with them and still do not have an actual answer as to why I was called. Further, the amount of literature/information that was provided regarding whether autopay was or was not set up, who/how/when payments that were set up with the old company are or are not going to be switched over etc. were all confusing as XXXX. Some of the emails I received I have a minor in finance. I was a XXXX in college for a finance class. While I am not the smartest in the area, I am certainly far above average, so if I can not dissect that information, what hope does the average ( or below average ) person have? A company that handles dollar amounts the size of mortgages needs to have a level of service that is commensurate. A reasonable amount of time with any customer service representative should at least indicate if it is worth my time to discuss further. To find out that this was a voicemail in regards to a complaint I filed about the transfer process being garbage was a full circle failure by this company.
11/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91106	Web
Roundpoint Mortgage company bought my loan as of XXXX XXXX, XXXX. Previous loan held by XXXX. I use autopay and have for the life of the loan. Both XXXX and RoundPoint sent letters saying the payment terms are exactly the same and autopay would remain in effect with no action from me. My loan payment of XXXX was deducted by Roundpoint as expected on XXXX XXXX which has been the payment date for the life of the loan. I have written verification from bank. Roundpoint is also a debt collector -- under the same company. The debt collection arm of Roundpoint sent a threatening letter XXXX XXXX ( prior to the loan payment due date ) saying my loan is in Collection and threatening me. I HAVE NEVER MISSED A PAYMENT IN MY LIFE and have paid mortgages since the mid XXXX 's. They say that I must pay the full amount of {$340000.00} by XX/XX/XXXX. This is erroneous. They took my payment as usual, and their website confirms my loan payment was made and updated the amount owed to {$340000.00}. One arm of RoundPoint confirms payment while another subsidiary threatens me with a letter saying my loan is in Collection. I tried calling them at the number listed and there is no way to reach a human being -- it's entirely automated. There are hundreds of complaints online with the same issue. RoundPoint seems eager to make money off Debt Collection and threatens and harasses reliable loan clients.
03/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 47403	Web
I received a notice dated XX/XX/XXXX to please provide insurance information for my condo/house. The notice claims that their records show that my homeowner 's hazard insurance expired, and they do not have evidence that I have obtained new coverage. I submitted my Certificate of Property Insurance on XX/XX/XXXX to https : //www.rpmservicing.com/insurance/ as directed by the notice, after I received it from my HOA. This insurance policy EFF is XX/XX/XXXX to XX/XX/XXXX. I have additional XXXX condominium unit owners insurance on record that is effective from XX/XX/XXXX to XX/XX/XXXX that the mortgage company required I purchase. I received a 2nd notice dated XX/XX/XXXX with a second and final notice to provide insurance information. This notice says the insurance that the mortgage will buy will cost an estimated {$31000.00} annually, which is about 1/3 the principle I own on the mortgage. I called XXXX to confirm they have received my insurance information and to ask for a confirmation letter/email be sent that I will not be charged for {$31000.00} annually for homeowner 's insurance which I already own. They did not process my certificate of liability insurance and would not provide an email, letter, or case number for confirmation that the mortgage company has received the evidence and that they could not buy additional insurance on my behalf for {$31000.00} annually.
12/14/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AZ 85260	Web
I have a mortgage with Roundpoint Mortgage. I have always escrowed my mortgage since holding the mortgage. When the loan was transferred to Roundpoint, the escrow was moved over from XXXX. Roundpoint continued to reflect my mortgage as escrowed. I ended up having water damage on my house and once I filed a claim, they said i had no insurance. They had stopped paying my insurance company but continued to collect my escrow payments every month. I asked what they did with my money every month and they did n't know. All my statements reflected they were still collecting and that i had an active policy. They ended up getting a forced placed policy in place to correct the error. They later sent me disclosures after the fact and said i was responsible for paying for it for their error. They assessed over XXXX on my accounts, failed to correct the statements and now my payment has gone up XXXX every month. They also sent me documentation saying they were adding it to my princial balance on my loan. I have called on numerous times to try to resolve the issue and even filed with the XXXX who sided with me. They have failed to correct the issue after repeated attempts and no one returns my calls. They can not explain why my payments went up as they state i now have a shortage but i should n't based on always escrowing my account. What did they do with my money all this time?
02/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23320	Web
Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed.
12/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93263	Web
On XX/XX/XXXX we had our house appraised to attempt to remove the PMI from our mortgage loan. The effective date of the loan was XX/XX/XXXX. After the appraisal our loan came in at my calculations- 78 %. We were advised that our loan has to be at 75 % to remove the PMI. We have never had a late mortgage payment, nor any missed payments. Calling the customer service line has never been helpful to us, our calls to the customer service takes approximately 45 to an 1hr of our time. We contacted Roundpoints mortgage customer service twice and they were not able to assist us in advising us on - how we would be able to terminate the PMI, what other options do we have? No exact numbers could be provided to us. One of our questions to the representative was how much does the principle need to be to get rid of the PMI? Roundpoints representative persistent that we use the online calculator as she was not able to provide us with any number to be able to lose the PMI. Also, no dates were provied as to when the PMI can be removed. Due to school loans, I am worried that we will fall behind on our loan and we are in desperate need of someone assisting us on when and how can we lose the PMI- How many more months will we have to wait and what other options do we have? I know we can refinance our home and lose the PMI, however doing so would only add the cost to our mortgage.
11/22/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AR 726XX	Web	Older American
We applied for and were approved for a VA cash out refinance loan. When we were almost ready to close the loan our existing mortgagee, Roundpoint Mortgage, sent us a letter dated XXXX XXXX, 2016 stating our loan was being sold to XXXX XXXX Mortgage/c/o XXXX XXXX. We signed the documents closing our loan XXXX XXXX, 2016. We received a letter about the transfer of our existing mortgage from XXXX dated XXXX XXXX, 2016 saying they were servicing our existing loan with payment information. We received our borrower 's final closing statement from XXXX Escrow dated XXXX XXXX, 2016 which showed the payoff of our loan to RoundPoint Mortgage not XXXX. Along with that document was a letter from XXXX Escrow dated XXXX XXXX, 2016 that indicated an escrow account was closed. Attached are copies of these documents. As of today, we have n't received the money we had in escrow from anyone in the amount of {$1000.00}. RoundPoint says it was transferred to XXXX XXXX. I ca n't get XXXX XXXX to talk to me as our loan number and last XXXX digits of my husband 's social do n't come up on the automated answering system. Could you please help us get paid our money that was in escrow connected to our paid off loan? Your agency helped us recently and we were very grateful for that. This is just like before, we 've exhausted all of the options that we can think of. Thank you, XXXX XXXX
07/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60189	Web
I am in process of refinancing my mortgage ( through XXXX ), and I am having some difficulty with my existing mortgage provider ( RoundPoint Mortgage ). As part of the refinance process XXXX requires a payoff letter. They reached out to RoundPoint, who refused to provide the document, so I was asked to reach out directly to make the request. On Wednesday, XX/XX/2020 I requested the document through RoundPoint 's IVR. The automated prompt indicated that the document would be sent within 2 business days and that depending on the laws in my state there may be a fee. When I had not received the document by Friday, XX/XX/2020, I called back and made the same request directly through an account representative who assured me the document would be emailed within 2 hours. As of the following day I still have not received the document. From my perspective there appears to be a pattern of abuse : 1. Uncooperative in providing the requested document to the new mortgage company 2. Attempted to discourage requesting the document by indicating there may be a fee, but never confirming if the fee would be applicable in my case or the magnitude of the fee ( inadequate disclosures ) 3. Did not provide a way to request or obtain the document through self-service on there online account servicing website 4. Did not fulfill the request as promised through two separate attempts
12/09/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	AZ 85375	Web	Older American
We have a home loan with Roundpoint Mortgage. In XXXX we sent {$270000.00} with a request to recast our loan. We were eventually referred to a XXXX XXXX who told us to send our recorded Deed of Trust, we sent it several times. He stated in an email XXXX/XXXX/15 that he received all XXXX pages, then on XXXX/XXXX/15 he stated in an email he did NOT get them, and we sent them again. On XXXX/XXXX/15 he stated in an email he got all pages. We sent several emails asking for a status update. On XXXX/XXXX/15 he stated in an email that the processor will have documents to us by end of XXXX. We sent emails the end of XXXX asking the status as we received nothing from the. On XXXX/XXXX/15 he called our home and stated that they were waiting for us to send the Deed of Trust! He was reminded of all the above information and after arguments he " checked with his processor '' and said we would have documents by XXXX. We asked for that in writing and also to speak with his supervisor XXXX XXXX. XXXX never did return a phone call and neither XXXX nor XXXX have returned multiple requests for a status update. They have had our money since XXXX. All we are asking is to have our loan recast. Their incompetence and lack of response and follow up is frustrating and unnecessary. It is difficult to speak with XXXX and each interaction leaves us frustrated and upset. Please help.
09/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96792	Web	Older American
In XXXX, our loan was sold to Roundpoint. At the time, the loan had double charged me on my insurance bringing my mortgage from {$1500.00} to {$1800.00}. XXXX ( # XXXX ) paid my insurance late and was given a cancelation notice and despite receiving a reinstall letter and assurances that I never lost coverage, they decided to apply their own insurance when they sold my mortgage, hence the cost. Eventually, Roundpoint got the refund and this was put into my account. On XX/XX/XXXX, I paid the difference which was supposed to clear my account ( XXXX ). The amount paid was {$2100.00} which cleared XXXX and XXXX. On XX/XX/XXXX, I paid my usual amount {$1500.00} which is supposed to be for XXXX On XX/XX/XXXX, I got a phone call in which I was told I owed {$300.00} something and I explained that the extra escrow amount was for a double insurance, that a new escrow estimate was done and all of this was supposed to be resolved. Once again, I was told that this was going to be fixed and my loan was up to date. Today, I got another call and once again I was told that the {$1500.00} I made wasn't enough and after going thru this once again, I was assured that this was going to be cleared by XX/XX/XXXX. PLEASE can someone get Roundpoint to fix their system? I am afraid that this will affect my credit rating, not to mention, all the time I have spent with this issue.
07/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34787	Web
OnXX/XX/2020we refinanced our mortgage and paid in full the mortgage to Roundpoint Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX, NC XXXX. I am due an escrow refund in the amount of {$4400.00} and understand this was to be received by me within 20 business days ( or 30 calendar days? ). On XX/XX/2020 I logged on to my online account to review transaction history and the account indicated that my escrow was disbursed onXX/XX/2020 On XX/XX/XXXX, I received a letter from Roundpoint indicating my mortgage was paid in full and a copy of the Mortgage Release Satisfaction Discharge was included. As ofXX/XX/2020 I had still not received my escrow refund. I called Roundpoint, spoke to rep in escrow dept. The rep told me my check was mailed on XX/XX/2020. I explained that if it was mailed on the XXXX as she indicated then I should have received my check by the XXXX. She told me to wait another day. XX/XX/XXXX - still no escrow refund check from RoundpoinXXXX. Called the escrow dept. again. I requested that a replacement check be sent to me via overnight with tracking. The rep refused and told me to wait another day. XX/XX/XXXX - Today, still no escrow refund check from Roundpoint. I believe Roundpoint is withholding escrow funds for longer than what is legal. I am asking for any assistance to help resolve this issue with Roundpoint Mortgage.
04/27/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OH 43230	Web	Older American
Two years in a row, Roundpoint MortgageServicing Corporation forced placement for insurance on my property even though I had insurance coverage in place throughout that time and repeatedly sent copies and had my insurance company send copies. I 've had a total of XXXX documented phone calls, faxes, and letters to Roundpoint during the last 18 months and they have ignored my request to make this right. Each time I 've talked to someone in customer service, they have assured me that they have everything needed and that they see my insurance was in place during that time. I asked repeately XX/XX/XXXX for them to refund the amount they were escrowing since they did not need to force insurance since my was continually in place. They say they can see that they had proof of insurance, but will have to have the escrow department review and contact me. Nothing ever happened. When they forced insurance again beginning XXXX/XXXX/XXXX, I sent them a letter ( attached ) asking for immediate action for this fraudulent action. They just notified me that they will not escrow money for XX/XX/XXXX and have cancelled the forced insurance for this year. No mention of the prior year was given and my call to them gave the same result ( " I can see you had insurance in effect and we have what we need, but I ca n't take action ... '' ). I appreciate your help with this.
03/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 194XX	Web
In XXXX of XXXX I refinanced my existing Mortgage with Roundpoint Mortgage. Roundpoint was my initial mortgage holder. The bill that was sent to Roundpoint for my homeowners policy was returned to my agent with a letter saying my loan had been paid in full. No new policy was created for the refinance since nothing was changing but my interest rate. I immediately contacted Roundpoint on XX/XX/XXXX to rectify the issue. They contacted my insurance agent for a declaration page and received it the same day, but never made the payment. I contacted Roundpoint on XX/XX/XXXX, and the same thing happened. My agent provided them with the same declaration page and billing info, but still no payment was made. I called them again on XX/XX/XXXX, and they were provided the declaration page again along with the billing. Because the premium was due XX/XX/XXXX, I asked for a callback and was promised one Monday XX/XX/XXXX. After no callback, I called in again on the XXXX, and provided the declaration page and billing info once again! XXXX from customer care called me today- XXXX to confirm they finally received the billing and was mailing the payment regular mail. When I asked them to overnight the check, he refused- saying hopefully the payment will make it to XXXX XXXX in time for my 30 day grace. When I asked to speak to his manager, he said none was available.
08/15/2017	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 21208	Web	Servicemember
XX/XX/XXXX Account Number XXXX This is the fourth or fifth time complaining about my mortgage company, Roundpoint. I am currently attempting to secure a successful short sale of my property and this is the second time that i have secured buyers threaten to walk away because Roundpoint is dragging their feet with timely processing. My attorney and listing agent has worked tirelessly to get this short sale completed. Roundpoint continuously allows time to transpire letting timely delivered correspondence to expire and my having to submit documents over and over again. I attempted a short sale in XX/XX/XXXX that fell through because of this same issue. I then attempted a loss mitigation that was forever attempting to get completed and was only done after i submitted a complaint and then it was more than my original mortgage payment. Now again attempting short sale because of illness and loss of work that started on XX/XX/XXXX. As of XX/XX/XXXX the 90 day contingency has expired and the buyers are now threatening to pull out of the deal because of the lack of confidence of ROUNDPOINT internal processing!! This is unacceptable. One because my case is not escalated it is still being handled by a POC that does n't respond in a timely fashion and two because this will be the SECOND time losing a sale on my home. WHAT THE XXXX is going on over there!!
12/02/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 945XX	Web
Since XX/XX/2019, I filed for borrows assistance with ROUNDPOINT MORTGAGE COMPANY. I have filed and gotten nowhere. I have spoken to several phone representatives, and I keep being asked to re-send the same documents over and over again and it is now XXXX and I am in jeopardy of loosing my home. I am trying to get the mortgage modified due to the fact my husband is on XXXX now since purchasing the home. I am in tears due to the fact I feel this company is not trying to acknowledge my application by sending me in circles. Today, I had a HUD counseling ( works for XXXX ) reach out on my behalf to Loss Mitigation for RoundPoint and He was disconnected twice and told me I should immediately file this complaint due to the lack of professionalism. If needed I have all the email correspondence to show. I have the original application as well as all the times I have corrected what they claim to be wrong each time and still no assistance. Please reach out if documented proof is needed. I desperately want to keep my home, we can make payments now that his XXXX has started ... .. just cant make large amounts to catch up From when pay stopped this summer. I filed for assistance during our first defaulted month ( XXXX ) and still no help or word on application and its now XXXX. All i get is an automated message stating that I still have missing documents
10/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34761	Web
After Hurricane Irma, I received an automated email from my lender, RoundPoint Mortgage ( Account # XXXX ) regarding assistance for FEMA victims, of which I was one of, residing in Florida. I was told I could do one of two things. To take advantage of reduced payments, or no payments at all, I could pick the next three months and either pay it all back at the end of the three months, or they would have me sign a form to put the payments on the back end of the loan. I chose the latter option and instead of paying {$1200.00}, I 'd pay {$500.00} for the next three months. I received my bill at the end of XX/XX/XXXX for XX/XX/XXXX, and it showed {$500.00}. I then received a letter stating that by doing what I did, they were going to contact all three credit bureaus and list my issue as a forbearance. That means I am going to get dinged on my credit. NOT GOOD. Today, I received an invoice for XX/XX/XXXX stating that I missed XX/XX/XXXX 's payment and they now want {$1200.00} for last month and {$1200.00} for this month. What they did with the {$500.00} I paid them in XX/XX/XXXXwas just apply it towards the principal as an " extra '' payment. I have written to the CEO, XXXX XXXX and have received no response. They were offering to help FEMA victims, but all they did was attempt to ruin my good name and credit and I want something done about this.
09/12/2017	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 Their investigation did not fix an error on your report	CA 92127	Web	Servicemember
I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
05/02/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	TX 77082	Web	Servicemember
I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began XX/XX/2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean. This is doing irreparable harm to me as a XXXX veteran health wise and financially.
07/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 225XX	Web
I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! Hoping and praying, XXXX XXXX
06/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 180XX	Web
I was sent to a collection agency on XX/XX/XXXX for unpaid school taxes for XXXX. This occurred after receiving the tax bill on XX/XX/XXXX and forwarding it to Roundpoint mortgage ( my mortgage holder ), and a reminder on XX/XX/XXXX which also was forwarded to Roundpoint. The bill remained unpaid throughout. I contacted Roundpoint by phone after receiving the collection letter. This was the first of many calls that also included the school district for verification of the debt. The bill was finally paid by Roundpoint on XX/XX/XXXX. Unfortunately, as you will see from the supporting documentation, the amount paid inluded a {$420.00} penalty charge and a {$40.00} collection fee. I do not feel it is my responsibility to shoulder the fees as they were aware that taxes were to paid from my escrow account and they were aware of the bill for 14 months before it was paid. I would like the {$460.00} refunded to me and have asked as much from Roundpoint. Their stance is " there has been no error by Roundpoint in the servicing of your mortgage loan '' as evidenced in writing in an attached document. Roundpoint 's service has been so sub-standard, and time-consuming for me, that we are in the process of refinancing with a different lender ( at a higher interest rate XXXX simply due to the fact that we do not want to do business with them.
10/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97223	Web
Roundpoint Mortgage Servicing just purchased my mortgage loan. They sent a letter stating I need to make the first payment, after that going forward, they will set up auto deductions from my checking account for next month 's payment due XX/XX/XXXX. I did as they requested and forwarded XXXX 's payment to them which they cashed. Then a week later, they debited my checking account for a second XXXX 's payment, which resulted in two payments and overdrew my checking. I tried to stop the payment through my bank, they said Roundpoint would have to stop or reverse the ACH. The same day I called Roundpoint to stop payment and they did nothing. They requested for the letter I received and said they could reverse payment if they received it. Today, XX/XX/XXXX, they received payment. I called several times and spoke to different reps ; one refused to assist and wouldn't allow me to speak to a manager, the second rep hung up on me. Another rep said he would leave detail notes on my account and a supervisor will call me back. No response. When I told him that I spoke to XXXX yesterday that was also suppose to leave detailed notes and the funds were to be returned electronically, he said he didn't know about that. From Roundpoint wrongly debiting my checking account twice has left me overdrawn. Thank you very much for any assistance.
05/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UNITED STATES MINOR OUTLYING ISLANDS 84094	Web
We bought a condo on XX/XX/2016 through a Conventional loan 5 % down with PMI for XXXX total value and loan amount {$130000.00}. and were making payment since we took the loan to get rid of PMI. We talked to our Servicer ( Round Point Mortgage ) and their customer service told us if we are below XXXX we can get rid of pmi. Once we reach below this number I contacted customer service to get rid of PMI and I was directed to their website and fill the form and submit it. I did that and few weeks later I heard back from them that they would need to do the appraisal inorder to determine the current value of the property which would cost {$600.00} something and I have to bear that cost. I refused because it didn't make any sense. And put more money down and brought my loan to value to 75 % which is {$100000.00} and submitted the request again and still got the same response from their department saying they would still need to appraisal. Even though I met all the conditions - Never late payment. LTV under 75 %. They still want the appraisal to be done and charge me {$600.00} for no reason. If I read my closing disclosures I can see that I should be cancelled based on LTV if my account is current which actually is. I feel round point is not acting according to law by imposing these extra restrictions to get rid of the PMI/
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10314	Web
I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my wife is on XXXX. We were technically on one income. We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. Period. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.
04/05/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60164	Web
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX informing me that my homeowners insurance policy had not been paid. It was due XX/XX/XXXX in the amount of {$780.00}. I immediately contacted RoundPoint Mortgage ( RPM ) and the representative informed me that the check would be sent to XXXX XXXX overnight. Friday XX/XX/XXXX I called XXXX XXXX to verify that the payment had been received and was notified that they had not received a payment. I call back to RPM and was assured that the payment was sent overnight to XXXX XXXX and if they had not received it by Monday XX/XX/XXXX to call back. I called XXXX XXXX XX/XX/XXXX and still had yet to receive a payment. I again called XXXX and was informed that a check had never been sent and it is not their company 's policy to overnight payments. The rep then informed me that they will request it to be sent and she would call me back with the check number. I never received a call back.I have called back each day since then to retrieve the check number and I have been given a different story each time. One rep told me that the money was electronically sent to XXXX XXXX. Another rep told me that they talked to XXXX XXXX and was given an additional 30 day grace period. As of today the payment still ha not been received by XXXX XXXX and my insurance is scheduled to cancel today at XXXX.
03/15/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32806	Web
I requested PMI removal on my home, and was told that I could not given I have a second lien on my property ( in this case, a HELOC ). I was told that I would either be denied or I would have to shut down my HELOC. I am a mortgage loan originator myself, so I did some digging. It turns out, this is wrong and illegal. You can review the PMI removal requirements here : XXXX XXXX XXXXXXXX Nowhere does it mention subordinate liens being an issue. Additionally, it indicates that lenders may not add additional requirements on their end. I pointed all this out to Round Point Mortgage, and they initially pushed back. When I threatened to bring it to the CFPB, they acquiesced. So my personal issue is resolved, but here is the problem : they are enforcing this illegal policy against countless consumers, consumers who are not savvy enough to know better. The potential financial harm to consumers is huge. The FTC will take the case, but others need to make the same complaint. Others won't because they don't even know it is happening. CFPB seems to only take the case if you have an outstanding issue, and I don't have one anymore. But someone needs to address this, and I believe the CFPB is the most equipped organization to do so. I really hope the CFPB is able to correct this unjust policy. Thank you for your time on this matter.
05/16/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 27106	Web
XX/XX/2019 on this day I contacted RoundPoint Mortgage Services about a late payment charged to me. The late fee is {$19.00} which is charge if payment is not recieved by XX/XX/2019. I made a payment after XXXX XXXX over the phone and was told by recording it will be posted the next business date. On the next month statement I had a late fee charged to me for {$19.00} for XX/XX/2019 statement. I am being charge for being late over the phone on the XXXX which is the received by the date of the XXXX of the month which is stated on the statement, ( If payment is not received by XX/XX/2019, a late fee of {$19.00} will be charged ) this is stated on all of my mortgage statements. If RoundPoint is charging me a late fee on the XXXX it is a false statement being post on my mortgage statement. I have never been charge a late for paying on the XXXX of the month over the phone making a payment. I spoke with customer service and after debating the charge i was placed on hold while she spoke with someone about this. She did come back on the line and said that they would omit the late charge as a courtesy this time but i need to make my payment by the XXXX. However my statement says payment not received by the XXXX it is late. There is some contradiction on the statement of false misleading information and needs to be corrected.
04/16/2019	Yes	Mortgage VA mortgage	Trouble during payment process	MS 39110	Web	Servicemember
Refinanced my house with XXXX XXXX XXXX XXXX and I am having a difficult time receiving my overpaid escrow money from the previous mortgage company, Roundpoint Mortgage Servicing Corporation. Timeline : XX/XX/19 Loan paid off by XXXX XXXX XXXX XXXX ( Per Roundpoint Online records ) XX/XX/19 Escrow Disbursed to Mortgagor ( ( Per Roundpoint Online records ) XX/XX/19 Check mailed to me - Per conversation with Roundpoint Rep XX/XX/19 Have not received the {$1500.00} from my escrow account. I have had this mortgage with Roundpoint for 4 years and have made every payment on time every month. I am concern that Roundpoint is attempting to retain my fund as long as humanly possible. I understand they have no incentive to pay my money expeditiously and as quoted by several of the representatives that, by law we at Round Point have 20 days to refund your escrow account. It is well pass those 20 days after the loan was paid off. I have called Roundpoint several times, but receive the same patent answers, the check is in the mail. The minor interest Roundpoint is receiving from retaining my funds may be small, but I am concern that f this same activity could be happening to a large number or all of the Roundpoint customers. And finally should Roundpoint pay me interest beginning on the 21 day along with my Escrow refund?
07/27/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85254	Web
I lost my job on XXXX XXXX XXXX. I was unemployed with a few jobs in between for over two years. The first year I borrowed money from my parents to pay the mortgage but XX/XX/XXXX I could n't anymore. So I started not to pay and applied for a modification After all this time, I was just notified two days ago that I was declined for every option of the loan modification. My wife who is n't on the loan her income is XXXX a month, and mine is now XXXX a month, I got a job since. They told me that my only option is to come up with the XXXX that I owe in back payments or I can do a died in Lieu, a chapter XXXX a short sale or they will foreclose. As far as I know there has n't been foreclosure date set as of yet. I do n't want to lose my house. I have XXXX kids and it would really not be a good issue. They wo n't do a principal forbearance for me either. I would like to get a principal forbearance so that I can keep my house. They are n't very helpful or responsive. They have been the worst to deal with. It seems like they would rather foreclose then assist us in fixing the issue so we can keep our house. I am hoping that you can assist in getting this done. I really ca n't afford any more losses in my life and this would be devastating. Having a lender that is n't willing to help find an option is really hard.
04/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27406	Web
Spoke to someone about the overage when transferred to this company and the escrow. I wasnt negative. Then a few months I am. I had XXXX. Extra from payments being sent. No one said anything about the time it will sit account before they will take it after question the amount. Ask for it to be refunded told no. They were to ask where I would lime for it to go and never did. So instead of refunding me or out to escrow that they say I'm short in. They moved the money to principle on their own to make my payments higher which is XXXX and I'm on fixed income. Ut that way they get free money and more from me. Making it harder on me. To include I still never recieved the back pay from the old company that sold my acct when they found out I had recording of them owing me my tax payment amount that I filed before on here. I sent that info with. We company and still nothing. I'm due XXXX plus from that still. They still havent refunded the late fee with this new company or the XXXX fee that the last company lied about a forclosed fee to my investor. I want to be refunded all my money and them to put that XXXX to that escrow and lower my payment back to it's original payment XXXX. XXXX where it should be. I called them again and spoke to a guy and gave permission to call bk if disconnect and no call back or anyone.
04/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28078	Web
On XX/XX/2018, I was notified by my homeowners insurance company, XXXX XXXX, that my mortgage servicer, Roundpoint Mortgage, had not paid my homeowners insurance premium the year from my escrow account, and that my homeowners policy would lapse and cancel on XX/XX/2018 if not paid. I contacted Roundpoint on XX/XX/XXXX, and after attempting to find my account, initiated an immediate wire for the premium amount to XXXX XXXX. On XX/XX/XXXX, I received a letter from Roundpoint Mortgage that my insurance premium had been paid and the payment was confirmed. On XX/XX/XXXX, XXXX XXXX calls again to inform me that they still have not received payment from Roundpoint. Also on XX/XX/XXXX, I contacted Roundpoint to determine where the error was in the payment. After repeated calls over the next 48 hours, Roundpoint has been unable to verify who they sent the wired money to or if it was actually received. They are unable to transfer me to anyone knowledgeable of the escrow process or to the person who performed the wire transfer or has access to the level of information needed to provide confirmation. I am now 24 hours away from having my homeowners insurance lapse and cancel, and Roundpoint has yet to call me back, find resolution, or cooperate with both my and XXXX XXXX 's requests for documentation.
07/16/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
On XX/XX/XXXX we sent an offer to Round Point that met their requirements. Due to their EXTREMENE INCOMPETENCE we had to resend documents MULTIPLE TIMES. They claim the file was sent to their investor on XX/XX/XXXX. However they refuse to provide proof of that. Every time we call in, we get a different story. It has been OVER A MONTH since they claim they sent it to the investor yet they have no response. -- -- -- -- -- -- -- -- -THIS IS UNACCEPTABLE. -- -- -AT THIS POINT ROUND POINT IS WELL OUTSIDE OF INVESTOR GUIDELINES. -- -- -WE HAVE REQUESTED MULITPLE TIMES TO BE CALLED BACK BY MANAGEMENT AND NO ONE EVER CALLS BACK!!! -- -- -- At this point it is clear that Round Point is either INCOMPETENT or they are PURPOSELY DEFRAUDING THEIR INVESTOR AND CLIENT AND REFUSING TOP FOLLOW INVESTOR GUIDELINES to continue collecting servicing fees out of them. I want proof Round Point sent the offer to the investor and proof of when that happened. Since it seems Round Point is incapable of properly servicing their clients they should be shut down. This degree of INCOMPETENCE NEEDS TO STOP. -- I also attached the Authorization Letter which clearly shows I am an authorized third party, since that is likely to be the next 'false claim ' made by Round Point. -- -This complaint is being sent to the OAG.
11/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20032	Web
I received an escrow analysis statement last week that said my mortgage would increase $ XXXX. due to an escrow shortage. The letter does not explain what's amiss, but it shows a projected bi-annual payment of {$5100.00} and {$430.00} for XXXX. I have a Homestead exemption, which decreases the annual amount significantly. For example, my latest bi-annual tax bill is for {$430.00}, and my Homestead exemption decreases my annual taxes by {$620.00}. The total taxes on my property for XXXX is {$1300.00}. So, even if I had no exemption, {$5100.00} is nearly than FOUR TIMES what I would owe. No one has been able to explain this. I've made three calls in the last three business days ; I spoke with XXXX twice ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) once. I sent them my latest tax bill, which I'm sure they already have. Neither has been able to explain why my payment is increasing drastically or how what I owe and paid in taxes is so different than what's in their analysis, but they've said on each call that they will escalate the matter and I should receive a call within 24 - 72 hours. What's more, XXXX said he hadn't seen that XXXX escalated the matter, so he would escalate it himself. That's the THIRD escalation in three business days ... with no assignment, phone call, or explanation.
06/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75007	Web
Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. Their failure to follow instructions is adversely affecting my credit rating.
10/20/2016	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	WA 98373	Web
I submitted a complaint to the CFPB on XX/XX/2016 regarding Roundpoint mortgage not allowing typical and standard costs that have been verified from the buyers lender in a Cost Estimate for his loan that we asked the bank to allow after raising our sales price to cover those fee 's along with Roundpoint paying for Title fee 's for the borrower so that we could insure our title at closing for the buyer. The complaint case # is XXXX. Roundpoint has continued to stall in making any decisions on this account and also has not replied to the complaint submitted on XX/XX/XXXX, other than " Roundpoint needs more time '' That again is a stalling tactic. the single point of contact " XXXX XXXX '' has continued to tell me that I can not get any info from the correspondence dept regarding what is going on with that complaint. He has also said that the file is still under review and has not been responded to although they say its been complete since XX/XX/2016. It is now XX/XX/XXXX without an underwriters decision. This file has been under review with Roundpoint since XX/XX/XXXX. That is 4 months too long to highjack any file and just let the borrower continue to make payments without any response to a bonafide offer that is ready to close. Please get Roundpoint to respond appropriately and legally.
01/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 349XX	Web
" Due to hurricane IRMA on XXXX XXXX, XXXX, we submitted an insurance claim for damaged and lost personal property. The insurance company made the check payable to us and Roundpoint Mortgage Servicing Company, NMLS ID # XXXX. We sent this check in the amount of {$3700.00} to them on XXXX/XXXX/XXXX for their endorsement and return but still have not received this check back. I try calling them and their phone system keeps dropping the calls. I e-mailed them with no response to date. We are trying to replace personal property and can not do this until we get the funds returned. It should n't take this long as their mortgage does not encumber personal property. This was explained to them in my transmittal letter sent with the check. It is making me nervous that they are unable to be contacted nor do they respond to my e-mails. '' This is the original complaint. We originally sent them the statement of loss from the insurance company on XXXX XXXX, XXXX which identified the payment for loss as " contents '' and also more recently the personal property inventory listing. Continue to have difficulty getting through on their phone system, no response to e-mails or messages left on their website and " Chat '' representative could n't help. Still have n't received our insurance proceeds.
10/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95815	Web	Older American
I have a mortgage that is serviced by RoundPoint Mortgage Servicing in XXXX, Tx. In XXXX of XXXX, due to health reasons, we filed a Chapter 13 Debtor Reorganization Plan. The Mortgage is paid outside of the plan. At that time, Roundpoint stopped sending us statements, escrow statements, or acknowledgement of payments received. I keep getting statements from XXXX XXXX and From FEMA regarding taxes and flood insurance. Roundpoint will not acknowledge the escrow balances and will not say whether they are paying the taxes and Flood Insurance. They claim they can not talk to us but our attorney and we authorized them to talk directly to us. Roundpoint now says they never received the authorization even though they told me before they had received it. We have no way of knowing when the payments are received and if they are being applied in a timely manner nor how they are being applied. I believe they are out of compliance by not sending us statements and advising us of amounts due. I do not know if they are applying the payments late and accumulating late charges in order to make our mortgage larger. Like I said, we signed a document stating that we would not hold them liable for speaking directly to us under the blanket order from the bankruptcy court. Our attorney agreed.
06/01/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40165	Web
Hello, Our mortgage has been held with Roundpoint Mortgage Company since XX/XX/XXXX. Our original purchase price on the home was {$120000.00}. We had a down payment of {$8000.00} Which made our original loan {$110000.00} We paid a lump sum towards the principal in the amount of {$3400.00} on XXXX XXXX. This should have made the balance of the loan {$100000.00}. We made a phone call the next month when the PMI wasn't taken off, and were told we would have to put a request in writing which would trigger a revaluation of our home at our expense which would exceed {$600.00}. From our understanding, the PMI should be dropped automatically and thus we were unwilling to spend this additional money ( and our home would likely come back at a higher value in the current market ). We then considered that their threshold might be 78 % by information we found online, and made another lump sum payment on XX/XX/XXXX in the amount of {$1600.00}. At this time the balance was {$97000.00}. Again we were told that they would not remove PMI until a new evaluation was done on our home. Since that time, we have been charged {$79.00} per month and as of XX/XX/XXXX, Roundpoint Mortgage has transferred our account to XXXX XXXX. They are no longer accepting any phone calls regarding our account.
05/15/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94565	Web	Servicemember
On XXXX XXXX I receive document of Debt Collection of {$37000.00} from Round Point Mortgage on Foreclose house of XXXX XXXX XXXX XXXX, XXXX, Texas.XXXX. A Bankruptcy Chapter XXXX was filed on XX/XX/XXXX and was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. VA Loan # XXXX of XXXX of {$240000.00} was included on bankruptcy and any debts of sale was included. My home was foreclosed and sold on XXXX XXXX during a VA Loan Modification process in XXXX, Texas.I was placed homeless with my XXXX XXXX and all my personal property in my home was thrown out on the exterior of the house on the street. I wasn't given no restitution of relocation because of my disability. Round Point Mortgage Law Firm used their authority and their billion dollar law firm to put me homeless with my Disability. I have been Discriminated and Retaliated as a XXXX Military Veteran. Why Round Point Mortgage waited after I did my Federal Taxes of XXXX to send me the collection debt of {$37000.00} on XXXX XXXX? My Federal Tax has been completed on XX/XX/XXXX prior to this document sent by Round Point Mortgage.. I am XXXX XXXX and XXXX. Bankruptcy Chapter case # XXXX Filed at XXXX District of Texas US Federal Bankruptcy Court in XXXX, Texas with former Attorney XXXX XXXX XXXX ... Fax XXXX
06/30/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 950XX	Web	Older American
My son who died at age XXXX last XXXX has a mortgage with Roundpoint Mortgage on a duplex in XXXX Indiana. It is owned by the family partnership that I created in XXXX. He gave me authorization to access the account on XX/XX/XXXX. I received an escrow information statement about 1 week ago but was unclear if it was a bill or just a notification. When I called for clarification, they said that once I notified them of my son 's passing last XXXX, my access to the account had been terminated and they couldn't help me. I stated I have the amount and just want to know if it is a bill so I could pay it and not be delinquent. After talking to a manager, XXXX XXXX, and not getting clarification, I said I'd like to pay off the mortgage. He said I could not pay it off since it is in my deceased son 's name and I need to obtain legal advice. We reside in California and I am the legal heir. California probate law states if the estate is under {$150000.00} we did not need to go through probate court. He was single without children. No where in the Roundpoint authorization does it state that it terminates with the death of my son. I've attached the death certificate, the California probate code, and a letter from our attorney to his employer. Can you help me. thank you XXXX XXXX
11/21/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 32566	Web	Servicemember
We purchased the house, the lending company we got the loan through gave the wrong contact information to the insurance agency. They say they tried to contact my wife who was not the borrower on the loan, I was. I was never contacted about a dangerous dog form which led to them cancelling my insurance policy in XX/XX/XXXX. I never received notice from the insurance company or the mortgage company that my home insurance cancelled. The refund check for the insurance was stolen and my signature forged. The mortgage company sent me a letter in XX/XX/XXXX ( 8 months later ) saying that I had no insurance and were back dating and retroactively placing force placed on my house. my initial policy for the year was {$1100.00}. The mortgage company 's force placed policy was more than {$4000.00}. I have explained, and the insurance agency even wrote a letter describing my circumstances and asked for them to waive the insurance policy since the insurance was not used because no damage or claim was filed and they refused. the lending company, the insurance agency, and the mortgage company all three are not taking responsibility for the mishandling in the situation which caused me to incur such a huge increase in charges, and also the extremely over priced force placed policy.
01/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07030	Web
I am yet again having issues with forced-placed flood insurance issued by Roundpoint Mortgage Servicing. I have repeatedly provided them with proof of my condominium association 's flood insurance by multiple means listed on their website ( it still says you may email documents, and an agent told me this was still available, yet when I called again another agent told me the e-mail address was no longer functioning ). Despite this, I received an acknowledgement of receipt of my email by Roundpoint 's servicing department weeks ago. I also uploaded the documentation onto the website over a week ago, with no response except my escrow analysis which now claims I will owe an additional {$300.00} a month in escrow payments due to this duplicative and unnecessary force placed flood insurance. Roundpoint needs to immediately fix this error and oversight on their part, as well as address this miscommunication issues within their insurance department. My condominium association has a constant and continuing policy that is automatically renewed every year. The current process is burdensome and rife with errors on Roundpoint 's part. I want issuance of the force placed insurance reversed immediately and credited back to my account, and a new escrow analysis to be performed.
11/23/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20817	Web
We paid off our mortgage ( {$430000.00} ) with Roundpoint Mortgage by wire transfer on XX/XX/20. Legally they were required to return our escrow ( {$8000.00} ) within 20 business days. It came at the beginning of XXXX, though the check was dated XX/XX/20. First they said it was the USPS 's fault, then when we found & emailed a copy of their envelope with a metered mail date of XX/XX/20, they insisted it was not their own postage meter, but the Post Office 's and that the Post Office must have held onto or " lost '' it. We took the envelope to the Post Office and they said it was NOT their stamp. This means Roundpoint did not send us a check until 34 business days later instead of the required 20 days. Now they insist that the USPS made a mistake and must have kept the envelope for a while and then returned the envelope to them & then Roundpoint sent it to us. They made interest off our " stolen '' money, but more importantly, they probably do this routinely and are therefore making tons of interest by paying escrows late. I believe this may be the case given how the people I spoke to seem to be trained to come up with one excuse after the next and deny, deny, deny. Can anything be done to Roundpoint? Are there other complaints about them doing this?
11/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 379XX	Web
We had a house fire in XX/XX/XXXX that substantially damaged our entire home to the tune of approximately $ XXXX. Our initial disbursement from insurance was $ XXXX of which, all had been paid to us and in turn to our builder for work performed. Our home was noted as more than 85 % completed as of mid XXXX and we plan to move in within a few weeks as the last details are completed. We have approximately $ XXXX in payments from insurance to trickle in over the upcoming months. $ XXXX was received by us XXXX and submitted to Roundpoint Mortgage for processing to pay our builder. As of XX/XX/XXXX Roundpoint has declined to return these funds to us to pay our builder. We have had to pay our builder out of our personal savings. Proof of these payments has been provided to Roundpoint yet they have still failed to issue payment to us. Given that our home is substantially completed, Roundpoint has no excuse to continue holding funds due to us as repayment for payments to our builder. Roundpoint has only issued payment to us in two situations ( 1 ) we filed an initial CFPB complaint and payments 1 and 2 were released and ( 2 ) we contacted ORNL FCU who is the primary servicer and they directed Roundpoint to release final payment of the $ XXXX ( payment # 3 ).
10/12/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 43302	Web
In XX/XX/XXXX XXXX payments of approximately XXXX each were applied to our account in error. I called to make a payment and was advised our mortgage was paid until XX/XX/XXXX. I explained those payments were not ours and an investigation was done. A week later I called back and was advised the payments were correct. I again attempted to make a payment and was told they can not accept a payment that far in advance. This continued for several months. Finally the customer that made the payments contacted Roundpoint and were told we would have to pay they payments and late fees we were given credit for all at once. After several calls we were put on a payment plan and were told to pay {$750.00} per month which I told them we could not afford. The other customers payments were applied to our account because they entered the wrong account number. We do not want to lose our home. We would like this resolved by removing all negative credit marks on my husbands credit, removing all late fees and removing any past due balance on this account. This is under the name XXXX XXXX acct # XXXX Roundpoint mortgage servicing corporation. Phone number XXXX. I am authorized on the account and my name is XXXX XXXX address is XXXX XXXX XXXX, XXXX OH XXXX. Phone number XXXX
07/29/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37922	Web
I had to make two payments in order to complete the payoff in the large amount. I also followed up with calling Roundpoint Mortgage after making the online payments and learned that I should have completed my payoff with a different process ( wire transfer/mailing payment ) but was told it would be corrected ( I didnt select the payment to be a principle only payment and the monthly mortgage would have been taken out of the amount paid ). I was told they corrected that error over the phone and to watch my account to make sure it posted correctly. My Payoff amount that I received was good through XX/XX/20. I noticed that both accounts posted and then shortly after I noticed that the {$99000.00} did not post. At this point I am concerned that my money will not be applied to my mortgage loan and that a gross error may have occurred as the amount still owed on my home mortgage is showing as a Principle Balance owed {$99000.00}. I have made several calls to Roundpoint but cant seem to get an answer as to where my money is. I am concerned that my escrow money will also be mishandled. I have spoken to several Employees but with no answer. I feel I am getting the run around and I am worried that my money has been mishandled. I am requesting help! Thank you
11/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ND 580XX	Web
To whom it may concern This letter outlines the struggle I am having dealing with Round Point Mortage in getting them to release funds to pay the contractors I have used to repair my house dealing with a claim from damage from a hail storm on XX/XX/2018. My insurance company issued a check for the damage to Round Point Mortgage and myself. I signed the check and forwarded it to Round Point as they wanted to control the release of the funds. I have been contacting local contractors to do the work, but with all the damage from the storm it has been difficult to find contractors with time to perform the work. I did however find someone to remove and replace the roof of my house and my garden shed. I have forwarded the invoice to Round Point for this repair, but they refuse to release the funds to pay my roofer. I am asking for help from you to get the money to pay the company who fixed my roof. Some of the struggles I am dealing with is each time I call them, I sit on hold for hours and they request additional information. I send them the info requested, but their policy is that it takes 5-7 business days to surface in their system and another 3 days for someone to review it. Each time this happens, it adds another 2 weeks that my bill is delinquent.
10/06/2017	Yes	Mortgage VA mortgage	Incorrect information on your report	MD 21014	Web	Servicemember
I had a mortgage account with Roundpoint Mortgage services out of XXXX, NC. I had fallen behind on my mortgage payments up until about XXXX XXXX, 2016. At that time I paid my account up to date including all past due payments and late charges. However, the company still reported my account 90 days past due even though it was paid before the end of the month, the amount was about {$4500.00}. I have tried multiple times by contacting their customer service line to have the problem corrected. The customer service escalated the issue to another department, which I do not know the specific name of, which I was never actually allowed to speak directly with. I also disputed the issue through the credit bureaus. With the disputes I submitted copies of the mortgage statement that should the amount paid and the date. It also showed that no outstanding balance was due. I finally filed a complaint with the better business bureau. I received a call from the company and was told they would look into it and take care of it. After receiving the results they still refused to correct the information, stating that the reported XXXX late, not XXXX. All of these attempts have still not corrected this issue, which I have been attempting to fix for approximately 9 months.
11/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	RI 02914	Web
Received home loan statement/bill ( due XXXX ) - {$330.00} higher than expected. Called mortgage company ( Roundpoint/Embrace Home Loans ) : advised that {$4000.00} was removed from escrow acct ( now in the red ) for " supplemental tax '' and that my monthly payment will be {$330.00} higher until paid back. Mortgage company unable to tell me ( with proof ) what this tax is for. Have received XXXX different answers : Call # 1 : Due in advance for impending prop tax raise for XXXX XXXX # 2 : Tax owed to town for road work Call # 3 : Back-taxes owed on my home at purchase that " sellers refused to pay '' Called town tax office after each call above - they confirmed ALL of the above info to be NOT VALID OR ACCURATE in any way. Call # 4 ( supervisor ) : Agreed with call # XXXX that it is back-taxes owed ( she appeared to be purely speculating however ) I have sent them a copy of the XXXX form proving nothing was owed on my home at time of purchase and all taxes were paid up-to-date. Mortgage company UNABLE to explain and prove what the " supplemental tax '' was for and why {$4000.00} was removed from my escrow account and where it went. Opened dispute with their tax dept on XXXX at time of providing the XXXX form. Have received no response.
03/13/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60435	Web
My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015.
08/13/2020	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94621	Web
RoundPoint needs to stop closing out the complaint process without addressing the issues. HOW DID WE GET PUT ON THE LOAN MODIFICATION IN THE FIRST PLACE???????? WE DID NOT ASK FOR OR SIGN UP FOR A MODIFICATION!! IT WAS JUST DONE!!! NO EXPLANATION ABOUT IT AT ALL!!!!!! WHEN WE HAD TO THE FOLLOWING TIME IT WAS BECAUSE OF THE INPROPER HANDELING THE FIRST TIME. IT PUT US SO FAR BEHIND WE HAD TO SIGN UP AND WAS NEVER TOLD APPLICATION WAS INCOMPLETE BECAUSE OF ONE MISSING PAGE. SENT 8 TIMES AND KEPT BEING TOLD THAT IT WAS RECEIVED, BUT NOT THAT THERE WAS AN ISSUE. ( AGAINST CALIFORNIA LAW ) THE EMAILED VERSION THAT WAS SENT IN XX/XX/2020 VIA EMAIL WAS NOT READABLE AND A PICTURE WAS SENT SHOWING THE DOWNLOADABLE COPY. MORTGAGE COMPANY requested that a hard copy be sent in the mail of the three options that were discussed with case manager that never appeared. Not emailed in any way as the down load was unreadable. Non were ever sent at anytime other then email in XX/XX/2020, but this was ignored. YOU IGNORED THE REQUEST OF THE MORTGAGE COMPANY TO SEND THE DOCUMENTS VIA USPS. DO NOT DOUBLE TALK AND TALK AROUND IT!!! HOW WERE WE FIRST PLACED ON A MODIFICATION, THAT WE DID NOT APPLY FOR?????????????????? ADDRESS THESE QUESTIONS ONLY
07/28/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 35160	Web	Older American
Dear Sir or Madam : I am writing this letter to file a complaint against RoundPoint Mortgage Servicing Corporation, XXXX, NC. RoundPoint has repeatedly written me demanding mortgage payments. My original mortgage servicing company was XXXX, and since XXXX no longer sends me bills, I can only assume they have sold this account to RoundPoint. I purchased my home in XXXX from XXXX XXXX XXXX for {$91.00}, XXXX ( principal and interest ) for a 30 year mortgage. In XXXX, I bought XXXX XXXX out, and XXXX XXXX XXXX took over the loan. I refinanced in XXXX, for monthly payments of {$720.00}. To the date of this letter, I have paid {$100.00}, XXXX, which is {$13000.00} over the amount of the principal and interest owed. RoundPoint has written me and sent fraudulent documents to support their claim : Which is that I owe them {$40.00}, XXXX. They have listed the amount of my loan incorrectly : as approximately {$120000.00} including interest. They have also sent documents alleging that I refinanced my home in XXXX ; I XXXX in XXXX. Therefore, I did not and would not have refinanced my home in XXXX. Moreover, none of the documents they 've sent me list a payoff balance.I am sending a copy of this letter to RoundPoint. Sincerely, XXXX XXXX
02/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT XXXXX	Web
Round Point Mortgage keeps charging us the wrong amount for our town taxes, they are stating the town is at fault. Our local town clerk has all of the documentation they have send the correct tax information year over year. They raised our mortgage said we where not paying enough into our escrow account, then said we are paying to much lowered our mortgage and gave us an escrow refund check, now again they are saying we under payed and have raised our monthly payment over {$300.00} a month. They also stated our PMI was falling off in XXXX now they are telling us XXXX even thought they have documentation our the previous customer service person stating it should be falling off in XXXX. Our mortgage this year went from XXXX to XXXX which we can not afford to pay they offered to spread out the shortage over 24 months to help lower the payment. My concern is whats going to happen next year? They overcharged us thousands for taxes one year even though the town mill rate proved we would not need to pay that much in tax, will they falsely raise our taxes again next year? We will no longer be able to afford our mortgage. With the increase this year we can barely make payments already. what are our options we need help. thank you XXXX XXXX
03/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 600XX	Web
I was approved by my mortgage company for the HAFA Program ( Home Affordable Foreclosure Alternative Option ) and entered into an agreement with RoundPoint Mortgage Service Company to transfer my property to them by doing a Deed in Lieu of Foreclosure on XXXX XXXX, 2015. Part of the agreement was they would waive the deficiency Amount outstanding. At which point RoundPoint would then issue me a XXXX after everything was completed at the end of the year ( 2015 ). To date I still have not received the XXXX even after repeated phone calls and requests made to them. Instead they inaccurately issued me the wrong form a ( XXXX ) and now refuse to correct it, because the representatives are confused and they continue to say it 's a foreclosure even when all of their own documents show that it 's a deed-in-lieu. At this point I do n't know what to do and how to get this situation resolved with them, because for me to accurately and correctly report the deed in lieu on my own 2015 XXXX Tax Return, which would be the correct year, I need them to send me a XXXX form, but they still refuse to do so no matter how many times I 've called and tried to explain it to them. So I 've attached supporting documentation to verify my position and request.
08/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 47150	Web
I paid off my mortgage loan in full on Wednesday, XX/XX/XXXX and have not received my {$920.00} escrow refund within 20 business days as required by RESPA regulations. It has now been 28 business days and after repeated calls I am constantly told that the " check is in the mail ''. My online account activity states that the escrow funds were disbursed on XX/XX/XXXX however when I just spoke to the Mortgage company 's escrow representative they state that the funds were mailed on XX/XX/XXXX ( conveniently the 20th business day ). I stated that I just received mail today that was sent on XX/XX/XXXX by my current mortgage servicer and again told " I will receive in mail '' with no remedy on receiving these funds. I believe that this constitutes violation of RESPA regulations since the company has not offered to take any actions to expedite the delivery of funds that I should have already received. It has been very frustrating to deal with this mortgage company and I believe that they are not properly equipped/staffed to satisfy customer complaints. I stated very clearly that I felt this was a violation of RESPA and that I would place a CFPB complaint and they did not attempt to take any further actions to remedy the situation.
08/14/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34113	Web
We had our Mortgage moved to Roundpoint Mortgage Servicing Company ( XXXX XXXX XXXX, XXXX XXXX SC. XXXX. XXXX ) It has been roughly 3 years that we have dealt with above company and every year they continue to misappropriate funds from us indicating they have had to purchase Flood Insurance for our Condo in Florida. We have our own Flood Insurance through our HOA for the Condo and we have the HOA send the certificate of Flood Insurance to the Mortgage Company. This issue again surfaced in XXXX and the same outcome occurred and we were charged roughly $ XXXXmo or about $ XXXX/yr. This amount was added to our Mortgage Payment as Lender Forced Flood Insurance. We verified that our HOA has had continued Flood coverage for the policy since XXXX and the Certificates of Insurance have been available and on file. We really need help to prevent this company from continuing to misappropriate funds from their customers. We also would like to know who they use to procure this flood insurance since the cost of $ XXXX/year seems totally ridicules based on the typical cost of flood insurance ( if it was needed ). We really believe their is consumer fraud occurring in this area and it needs to be investigated Thank you for your help
05/30/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60164	Web
I submitted a application to Round Point mortgage requesting a Deed in lieu. I do not want to keep the house because I can not afford it. I have attended workshops for struggling home owners like myself and have learned that the best option would be to do a Deed i n Lieu. I have faxed Round Point all the requested documents to be reviewed for a Deed in lieu however ; now Round point is re questing a listing agreement. I asked them why since I am not planning to put it up for sale because I do not have time to do all of that. I have asked a Round Point Agent to be provided a Deed in lieu as soon as possible because I have a very ill father and I need to travel out of town to see him. I do not have a time frame on as to when I will come back to the USA. I want to finish the Deed in Lieu process before I travel out because I do not want to keep the house. I rather return it to Round Point and walk away. Please help me I am scared that my father might pass before I get to see him. I honestly feel Round Point intentions are to prolong my case so my home can finally foreclosed instead of them offering a Deed in lieu. I am still willing to work directly with Round Point so we can have th is issue resolved as soon as possible.
07/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 88220	Web
On XX/XX/2018, I called XXXX XXXX XXXX, to inquire how much I need to pay to get rid of PMI, the customer service rep, said {$1700.00}. I made an online payment for {$1700.00} to principle and fax over the PMI request form for removal of PMI, the same day. The lady did not state I needed to have anything else for PMI removal. I then received a call from an appraiser to schedule an appraisal of my home. I called Round Point and asked how much was the appraisal and all they could tell me was between $ 300- {$600.00}. I then told her I was at 80 % so I should not need one. On XX/XX/2018 I called again to XXXX ID-XXXX and she stated PMI would be removed, if I paid {$1200.00} then my principal would drop below 78 % and it would be removed. That same day I made another online principal payment for {$1200.00} On XX/XX/2018 I sent an email to Round Point, to request dropping my PMI because now I am at 77 %, but never heard back. I also asked for my extra payments that I paid for PMI be applied to principal, and nothing has happened. I have made numerous phone calls, sent email for request removal. I have an excellent payment history, have never been late. My payments are current and I am at less than 78 % of principal.
04/12/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	SC 29420	Web
I am having problems with my escrow account. The county overcharged for property taxes at the beginning of the year and Roundpoint paid the overage. As soon as I found out about the error in XX/XX/XXXX, I got a refund from the county and sent it to the mortgage company, which they added to the escrow account. The amount was the difference from which they would normally pay for my yearly taxes. Roundpoint then increased my payment by approx {$700.00} beginning in XX/XX/XXXX. I filed all the supporting documents and received email confirmation from them on XX/XX/XXXX. I was informed that it would take 30 days to investigate and correct the error. I called on XX/XX/XXXX to find out what the resolution was, and I was told that it was not done and to call back on the XX/XX/XXXX. I called back on the XX/XX/XXXX and was told they were not done and I was to call back the following day. I have called 4 times since then receiving assurances that emails were sent to escalate the case and I was even told that on XX/XX/XXXX that I would be receiving a call back from the supervisor, that never happened. I am constantly told by customer service that there is not a supervisor to talk to and that I have to wait for them to contact me.
07/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32257	Web
When Hurricane Irma tracked through Florida in 2017 we had damage to our property where we reached out to the servicer Roundpoint for assistance for one payment to help pay for repairs that insurance did not cover, they advised area has been designated by FEMA and they were offering assistance for impacted borrowers. We were advised there would be no negative impact with any credit bureau reporting and no fees and account was placed in a Forbearance status. We completed the trial payments and accepted modified terms. The account did report to the credit bureau late but was later corrected by the servicer. The complaint I have is the loan level advance fee for {$15.00} that was charged from the property inspection that was ordered from the modification. Our area was a FEMA designated disaster area, Roundpoint advised no fees while account was in Forbearance status. I have tried twice to have fee waived, they said would escalate to their appropriate department for review and still no adjustment. Other than the assistance I asked for from Roundpoint, I have never been late with a mortgage payment, they would not waive for even customer first I have no confidence with Roundpoint to further assist me with matter
10/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95765	Web	Servicemember
Roundpoint Mortgage intentionally misapplied an additional principal payment as a regular payment for the next month. They charged advance interest in doing so. This misapplication is apparently an intentional error whenever an excess payment amount is at least enough to cover the next month 's payment. This is based on conversation with their representative and also a supervisor. The misapplication of additional principal leads to consumers paying interest in advance that is not due on incorrect principal balances. Obviously, this is a potential profit center for any mortgage service and especially one the size of Roundpoint Mortgage. The company has said they will rectify the error and note my account. When asked if this is how they process all accounts, the supervisor said she does not know and would bring it up to the " Cash Team ''. This is something that deserves a look by the enforcement authorities at CFPB. From my conversation with Roundpoint, I would highly doubt mine is an isolated error. Date of payment XX/XX/18. Date of call XX/XX/18. Amount of payment Due {$730.00}. Amount of payment made {$1700.00}. amount of advance interest charged {$310.00}. Amount of principal not applied to balance {$1000.00}.
02/26/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	GA 30022	Web	Servicemember
I submitted my borrowers application on XXXX and uploaded and sent in all of my information to Roundpoint Mortgage via email to both XXXX XXXX and XXXX and believe they are prolonging the process unnecessarily and have attempted to reach the dedicated representative on XXXX occasions. If it were any documents missing, this information could have been left on the voice mail versus sending a letter in the mail to prolong the Loss Mitigation Process. We are very concerned that our Loss Mitigation Paperwork is being mishandled and on purpose being prolonged for not helping us alleviate our extenuating financial circumstances based on my daughter who was hospitalized for over 34days in XXXX and my seeking employment. We are Military Veterans and requesting immediate help with our VA Loan Mortgage situation. All the supporting documents were sent to both emails. Why is there an unnecessary delay in processing our loan modifications. Also, when I call the XXXX, I am not able to speak to a live representative. I believe they changed something in the system which now hinders us from gaining immediate access to any represenatative in Loss Mitigation. Why did the prompts change last week? We need help with our VA Loan!
04/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85254	Web
My mortgage payment was changed due to what they believed to be an escrow issue. I pay my property taxes out of pocket each year. Roundpoint mortgage raised my mortgage payment to cover this " escrow issue. '' I called them as soon as I got may statement and spoke to them. They did not know what was going on and told me not to pay my mortgage until it was resolved and they would call me back. 90 days ( approx ) later I called back since I had not heard anything. They still did not know what was going on, I paid my mortgage ( the higher amount ). I continued to pay the higher amount after continuously calling in to see what was going on. In the meantime, they reported a delinquency to the credit agencies which ultimately lowered my credit score and cost me a deal on a rental property I was bidding on and a potential higher rate on an auto loan at the end of the month after my lease is up. This is after they told me they did not report it to the agency that they just sent me a letter. These calls are all recorded from my understanding. I have never had anything like this happen to me. My credit prior to this was XXXX-XXXX and it lowered my score to XXXX-XXXX. I have never been delinquent on my mortgage payments.
09/13/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web
New XXXX, I know you all probably is tired of me, but Im trying to defend and fight for my home and property because I had no knowledge of the insurance fraud claim against my mortgage note neither did I have knowledge of the missing mortgage payments and {$18000.00} missing check payment, all was not applied to my mortgage loan that was making payments be missing and late.Neither did I have any knowledge of Round Point Mortgage received {$11000.00} in a new principle/escrow advance refund from XXXX XXXX XXXX XXXX, XXXX XXXX. which Round Point Mortgage falsely stated they was the first mortgagee which is false. Also has a loan number XXXX which I just notice is the investor loan number on the loan modification dated XXXX XXXX the process Date of the {$11000.00} new principal balance Advance Refund process on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore the investors loan account was open and active XX/XX/2014 it appears payment was paid to the advanced escrow as a refund, is this also undiscovered money? Is this money they received from the fraudulent assignment of mortgage note benefits insurance claim on XX/XX/2014 on the FHA connection lender query report? WOW! This is to much to bear.
05/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
My home was damaged in Hurricane Ian on XX/XX/2022 with substantial damage. My insurance has paid funds to my mortgage company Roundpoint Mortgage which they are not releasing to me to fix my home. Roundpoint Mortgage is holding approximately {$47000.00} in escrow to repair my home. The damages incurred on my home far exceed the amount that they are holding. I have paid out-of-pocket amounts exceeding {$100000.00} which I have had to take a loan and withdraw from my retirement as well. I have submitted receipts, contracts, and all the required documentation that has been requested by Roundpoint Mortgage Company. They are not releasing the funds that have been released by my insurance company to repair my home. I have contacted Roundpoint Mortgage several times via phone and have also sent emails requesting funds to be released to repair my home, I have complied with all of their requests and have been advised that they will not release any funds to me at this point. I have requested the inspection reports and also requested to have further documentation of what was needed, requested to talk to the adjuster in the claims department or supervisor, and have not received any additional information for them.
03/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 64119	Web
I have a mortgage with Round Point Mortgage. I have had this loan since XXXX XXXX. I am paid semi-monthly and send 1/2 a payment on the XXXX and the XXXX of every month. I am 1/2 payment ahead so that the half received on the XXXX is my total mortgage due. Round Point does not offer a semi-monthly payment option. They only offer a bi-weekly auto payment for a fee. My payment comes in as " Do not apply to Principal '' however, they keep applying one of my payments to the principal and then marking me " late '' to charge a {$57.00} late fee. I have to call every month to have this fixed. This time, they stated they couldn't remove the late fee because they had done that many times previously. I reminded them that THEY misapplied my payment and I was not late. First half received XX/XX/XXXX and 2nd half received XXXX. Therefore, they MUST remove the late fee. They processed my payments perfectly for the first 4 1/5 years, but in the last 18 months, this happens every month. I feel this is fraudulent and may be " on purpose '' so they can charge late fees. My payment is marked appropriately and on time. If their system " can't handle '' receipt of my payments, that should not impact me negatively.
04/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77494	Web
Round Point Morgage company services my loan. I have been affected by Hurricane Harvey by means of flood water. This is my second flood in two years, so i kind of knew what to expect with Roundpoint. When dealing with an insurance claim you must deal with their loss mitigation department. This department handles all insurance claims for the company. To actually speak to one of those agents is almost impossible. I have called more than 30 times and waited on the phone on average of 1 hr before actually speaking to one of these agents. While waiting agents will come on the phone and tell you they in fact work for the department, only to find out after 30 mins not being in that department and cant really help you. They do not have a clear set of rules when dealing with contractor payments and documents needed.They also offered me a plan to " help '' to only pay xxx amount for 3 months then role the balance at the end after a trail payment period of three months. I have since made in full my mortgage payment for a consecutive 5 months only to learn this does not match the trial period guidelines and there may be a problem. This company is very shading and trusting them to do the right thing isn't advised.
04/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23452	Web	Servicemember
In XX/XX/XXXX, we originate a conventional home purchase loan with 5 % down with XXXX XXXX, purchase price {$560000.00}. In XX/XX/XXXX, we made a {$210000.00} principal payment and requested a mortgage recast and paid a {$250.00} fee. During a phonecall confirming recast details, I verified that this would reamortize our loan and bring the XXXX to 55 % and remove the PMI. In XX/XX/XXXX, our new payment began but they continued to collect the PMI unknown to us. The loan was sold to a new servicer Roundpoint mortgage in XX/XX/XXXX and they also continue to collect the PMI until I noticed the issue XX/XX/XXXX. After a phonecall, Roundpoint promptly has removed the PMI for future collection. XXXX has been extremely unhelpful, claiming that the loan is now closed and that we should have made a request in writing to remove the PMI. We dispute that because the loan was reamortized and no servicer would collect PMI on a new loan with a 55 % XXXX, not to mention that I verbally confirmed it would be removed. Roundpoint says that because of how the loan was written/sold to them that is why they continued to collect the PMI. It seems like there should have been due diligence done at some point in the process.
03/13/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29485	Web
For the second time in a year, we have received a drastically different payment amount and escrow analysis. The burden this creates on short-notice for a family of XXXX is tremendous. We have relied on our mortgage company to do their job ; however, we are for the second time, realizing this is not happening. RoundPoint Mortgage is giving us a $ XXXX payment increase and asking that we come up with a huge addition to our escrow in a short amount of time. This should n't be allowed to happen like this. We can not afford the home we are living in for {$200.00} more a month and XXXX dollars to be paid on short notice. These are DRASTIC changes in our finances and we have been waiting on call backs from XXXX at RoundPoint Mortgage who was supposedly getting to the bottom of this issue for weeks now. Having your home and mortgage in the hands of RoundPoint Mortgage is risky and terrifying for a family. This is the second time in a year we have received a notice of a large increase in payment. We never get clear answers and wait on callbacks that will never come. The only way we received a resolution in the past was going through this Bureau. That should n't be the way business is done. We are busy enough!
03/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 085XX	Web
I received a letter requesting proof of flood insurance, I followed instructions to upload the flood declarations page as our flood insurance is covered under our HOA. I also faxed it to be double sure since I have no confidence based on past terrible experiences with Roundpoint. A few weeks later I received another letter stating I didn't provide proof so I uploaded and faxed again. Now I received a notice of Lender Placed Coverage charging me over {$2100.00} and stating it's because I never provided proof of flood insurance. Today I called and was hung up on 3 times. I went on their online chat and was told to now email the declaration page to insurance@roundpointmortgage.com which I did. I followed up with a phone call and was on hold over ONE HOUR and then person told me the document I sent was not what they were looking for. However, I am the treasurer of the HOA and provide the same document stating proof of flood insurance for 15 homeowners and it is sufficient. In addition, I looked back at my emails and I had the same issue last year with them with the exact same declaration page with last year 's dates. I feel that I am being scammed and don't know what recourse I have to stop this charge.
10/18/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92346	Web
MY MORTAGE HAD BEEN WITH XXXX XXXX XXXX. THEY WERE TAKEN OVER OR SHUT DOWN BY NCUA. THEY SENT MY MTGE TO CREDIT/COLLECTION MORTGAGE AGENCY CALLED ROUND POINT MORTGAGE. AS I WAS GOING THRU A HARDSHIP & AS MY INCOME HAD REDUCED BY SOME, THEY ASSISTED ME FOR A SHORT TIME. AS THEY ASSISTED, MY LOAN WAS NEVER BROUGHT CURRENT AS THEY STATED THEY WOULD DO. LAST YEAR & EARLIER THIS YEAR I APPLIED NUMBEROUS TIMES TO REQUEST FOR ASSISTANCE WITH THEM, HOWEVER THEY DELAYED & DENIED MY MODIFICATION/ASSISTANCE REQUEST AND WOUDL NOT ALLOW ME TO PAY ONTO MY ACCOUNT UNLESS I BROUGHT IT COMPLETELY UP TO DATE, SO TTHEREFORE MY MTGE CONTINUED TO GET FURTHER BEHIND. I CONTINUE TO GET RUN AROUND/ALWAYS DIFFERENT REPS HANDLING MY ACCOUNT. AND WHEN I ASK FOR A PAYOFF IN WRITING SEVERAL TIMES THIS YEAR THEY NEVER PROVIDED ( I ASKED FOR THEM TO PROVIDE IN EMAIL OR LETTER ) TO THIS DAY THEY STILL WOULD NOT PROVIDE. AS OF EARLIER THIS YEAR THEY ALSO INCREASED MY MTGE PAYMENT, FOR WHICH I FEEL IS NOT LEGAL TO DUE, WITHOUT MY ACKNOWLEDGEMENT. MY RATE WAS 2 % AT APROX {$640.00} PMT, AND HAS INCREASED TO {$1000.00} A MONTH, SO WOULD MAKE ME WAY OVER OBLIGATED AND/OR INTENTIONAL UNLAWFUL PRACTICE WITH THIS COLLECTION AGENCY!!
02/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 850XX	Web
I have a mortgage that is serviced by Roundpoint Mortgage Servicing Corp. The loan was a refinance that originated in XXXX XXXX. We have been current on the mortgage ever since its inception, paying bi-weekly to reduce the overall lifetime cost of the loan. We reached 80 % loan to value ratio months ago, but Roundpoint refused to eliminate the mortgage insurance monthly premium until the loan was at least 2 years old. Currently, we are well beyond 2 years since the origination. This month XXXX XXXX XXXX XXXX, our loan principle reach 77.8 % LTV. Roundpoint 's website says that once a loan falls to 78 % LTV, the PMI ( mortgage insurance ) will automatically terminate. So, I just contacted them via phone to arrange this. Now they tell me that they will not remove the PMI until XXXX XXXX, when they " scheduled '' the loan to reach 78 % LTV. Because we have been paying bi-weekly since the loan 's inception, we reached 78 % earlier than they " scheduled '' it to occur. However, I feel this is arbitrary and nonsensical. Moreover, since XXXX facilitates my bi-weekly payments through automatic withdraw, they should have adjusted the date the loan was " scheduled '' to reach 78 % LTV accordingly.
11/17/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11746	Web
RoundPoint Mortgage is the loan servicer for my mortgage. On XXXX my mortgage payment was not automatically deducted from my bank account as it usually is so I was concerned something was wrong. I checked online and my account said my lon was paid off when clearly I did not pay it off. I contacted RoundPoint and they said that my loan was going to get sold to another bank XXXXXXXX XXXX XXXX but that the deal fell through so they would fix it. However, in the process I learned they had my address wrong ( this is my biggest complaint ). They incorrectly inputted my address using half of my old address and half of my new address. Today I learned that the sale did go through to another servicer. This caused me to not to be able to receive any notification from RoundPoint about my loan change and also recieve information from my new loan servicer about my new account. As a result I could have went into foreclosure due to this issue because no payments on my loan would have been made unless I actively pursued the issue. Its resolved now but my complaint is incredibly poor service from RoundPoint that if happened to another person may have resulted in an improper foreclosure or default.
01/20/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	KY 40216	Web
We originally had a mortgage with XXXX XXXX. After COVID19 we did a forbearance with XXXX XXXX. It was then sold to Roundpoint. While with Roundpoint we did a forbearance due to COVID19 with them. We never signed any paperwork like we did with XXXX XXXX for the forbearance. Our Mortgage has now been sold to XXXX. After the loan was sold to XXXX, we learned that Roundpoint did a loan modification. I never signed any paperwork with Roundpoint approving this loan modification. My loan is now more than what I paid for the house in 2017. I have been trying for almost a year now to reach someone at Roundpoint for paperwork about this Loan modification and no one will return my calls or answer me. I am needing help and I don't know where to turn! Because of this loan modification they did I am stuck with PMI on my house that we should of been able to have removed by now. Can someone please help me or please tell me who I should reach out to. I do not know what paperwork or forms you would need from us but if someone could reach out to me I will be happy to send you what I have. Again, I have our forbearance papers from XXXX XXXX but nothing from Roundpoint other than our statements.
10/21/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	CA 94565	Web	Servicemember
Round Point Mortgage administration and Law firm reported my VA Loan of around {$240000.00} as owed debt to Veterans Administration and damaging my VA Eligibility entitlement. On XX/XX/XXXX my former Texas Attorneys XXXX XXXX and XXXX XXXX supported me on my file bankruptcy chapter XXXX and filed at XXXX, Texas in Federal Court. On XX/XX/XXXX Federal Judge Discharged Bankruptcy XXXX in which XXXX XXXX XXXX was was servicing my VA Loan.number XXXX. On XX/XX/XXXX my VA Loan was sold or transferred to Round Point Mortgage all evidence of bankruptcy chapter XXXX was emailed to Round Point and VA administration. Why is VA Administration gave me a recent certificate of eligibility by email with a debt of {$240000.00} and adding Foreclosure, or deed on my VA Certificate of Eligibility? In due of respect to VA Administration and Round Point Mortgage is VA adopting Round Point Mortgage debt of {$240000.00} to get the CORRUPTED, FRAUD VA Loan compensation of guarantee fundings? I am XXXX and Retired and XXXX XXXX Honorable Miltary Veteran. I am been Discriminated and Retaliated by Round Point Mortgage and VA Administration because I am XXXX and XXXX XXXX XXXX. Very Urgent Matters
07/25/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Servicemember
On XXXX XXXX a investor representative from XXXX, Texas contacted me on my cell XXXX to alert me that my home was going to be place on a foreclosure for sale in XXXX County for {$260000.00} on XXXX XXXX. XXXX County Court Judge could be approving the foreclosure sale of my home, as Texas Laws are more in favor with major mortgage lenders and investors. Round Point wanted me to more do VA Loan modifications and I just decline their offer, because of the sale of my home was unlawfully inflanted to get a high value in XXXX. New VA Lender will not reduce the price of my home to {$160.00} or $ XXXX in which on XX/XX/XXXX, this was suppose to be the price of the home and not {$240000.00}. My VA Loan is in fraud, scandal and corruptions and VA will not do nothing about it. Now, New VA Lender Round Point Mortgage wants to put me in collection and ruin my credit and place on collections. I am XXXX XXXX and Retired and on Medical Care treament with XXXX XXXX XXXX in XXXX, California, since XX/XX/XXXX till XX/XX/XXXX. My home is not vacated as all my furnitures and personal property is in my house. Round Point is putting me out in the street with my XXXX status. Very Urgent Matters
07/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 322XX	Web
I paid off my loan with Round Point Mortgage on XXXX XXXX, to date I have not received the {$2700.00} left in my escrow account. I 've made multiple phone calls to Roundpoint Mortgage and Servicing, been left on hold for up to an hour until I finally had to hang up. I am told a different story each time I call. Was told first check was sent XXXX XXXX, then I was told it was issued on XXXX XXXX. I explained I have not received the check and was told a re-issue check was sent XXXX XXXX and yet I have n't received that check either. I filed a complaint with the CFPB on XXXX XXXX and received a letter from Roundpoint confirming that complaint. How is it that I can receive a letter from Roundpoint about the complaint I filed and yet I ca n't receive my escrow balance which is rightfully due to me????? I believe I am being lied to about them actually sending a check. Each time I get a rep on the line I ask for a manager or supervisor and for some reason, they do not want me to talk to one. I understand the time line for returning escrow balance is 20 days. It is over 60 days at this time and no escrow refund. PLEASE HAVE SOMEONE WITH KNOWLEDGE AT RPM call me regarding this matter.
02/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 103XX	Web
RoundPoint Mortgage Servicing Corporation ( XXXX ID # XXXX ) deducted {$350.00} from the escrow account ( loan number XXXX ). They marked as delinquent tax payments to New York XXXX on the statements and on the online portal. I called RoundPoint customer service on XX/XX/XXXX since I did not see New York XXXX delinquent payment received on the XXXX site. The agent who answered the phone asked me to check with New York XXXX and call back after a couple of weeks. I ended up calling New York XXXX to verify on the same day and they verified I don't have any delinquent tax payment ( not requested/not received ) on my account but they informed me they always receive the property tax payment late and they ended up charging interest to me. I called RoundPoint customer service again on XX/XX/XXXX, the agent said they sent the payment through XXXX and their tax department is researching this so call back again after a couple of weeks. I called again on XX/XX/XXXX to check again and the same answer received to call back. I'm filing the complaint since I did not get a positive answer even though I follow up continuously with the mortgage company. Appreciate all your help.
05/02/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	TX 77082	Web	Servicemember
The reported no payments were court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began XX/XX/2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean. This is doing irreparable harm to me as a XXXX veteran health wise and financially.
12/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32003	Web
I have mortgage insurance on my mortgage loan and now have the funds to lower my loan to an amount acceptable to remove the mortgage insurance. I have been trying to get the mortgage company to comply with removing it but they continue to give me the runaround and will not help to get this resolved. I attempted to start this process in XXXX of 2015 and have made no less then XXXX calls to them including emailing a form document they requested to have this removed. I then called on XXXX and spoke to XXXX and XXXX ( the supervisor ) for 57 minutes before they assured me I will receive an email outlining what I need to complete so they can remove the mortgage insurance. I never got that email. I then call back on XXXX and spoke to XXXX. Again 33 minutes later she assured me she would forward my information to the loan department and I would get a call back that same day. I never got a call back. It is very frustrating as if I owed them money they would be calling me 5 times a day to get paid but because this it something to benefit me they are refusing to help. This is very unfair as I have the funds to pay in to get it removed but I can not get a straight answer.
12/06/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	VA 241XX	Web
On XXXX XXXX my husband XXXX XXXX received information that our house was set for auction on XXXX XXXX 2016 if we did not pay the past due balance. Her contacted our mortgage company RoundPoint Mortgage and was told to pay XXXX by XXXX XXXX to stop foreclosure. We issued and mail a cashier check and overnighted it to the company in the amount of XXXX they received the check on XXXX XXXX @ XXXX. the cashier check was returned to us on XXXX XXXX. post marked XXXX XXXX saying it was n't enough money. He called the company on XXXX and they apologized and could n't give us any explanation as to why the check was returned and told us to wire them the funds due to time restraint! I wired the funds yesterday at XXXX my husband called today and XXXX said that he was manually entering the funds to our account to call him back within the hour! My husband called and they said it was n't enough funds that we need XXXX then went to XXXX! XXXX would n't speak with my husband, my husband asked for a supervisor and was placed on hold for 15mins and then they told him that the supervisor would have to call him back! I have never in my life dealt with a company like this!
12/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32216	Web
I have been attempting to contact my servicer about why there have been multiple changes to my escrow payments without notices being sent. I appreciate them making recalculations when necessary, but it would be good to at least get a heads up. I also wanted to let them know that I have updated my homeowners insurance and that while XXXX will be sending them a bill for better and less expensive coverage beginning today ( XX/XX/XXXX ), that XXXX will be providing a credit for {$480.00} which I will forward to Roundpoint as soon as I receive it. Therefore, the overall premium will be going down from {$570.00} with XXXX to {$530.00} with XXXX ( with XXXX providing higher dwelling, loss of use, loss assessment coverage, etc. ) However, the " contact us '' portion of their website has been down so I am unable to communicate with them. The website also makes it relatively difficult to find out how to contact them another way. I have attached screenshots of the contact us page which just shows one dot followed by another row with two dots. I have tried going on this page through two different computers and a mobile phone and get the same error on all of them.
08/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07728	Web
Round Pointe Mortgage sold our Mortgage to XXXX Mortgage, and did not notify us. All payments submitted to Round Point have not been transferred to XXXX Mortgage, nor have they been returned to us. This is the 3rd time the mortgage has passed different hands within the last 12 months. The 2nd XXXX mortgage companies did not have my telephone number, nor did they have the correct address. Mortgage Payments were sent to Round Point, for the months of : XXXX ( Forwarded to XXXX ) XXXX ( Forwarded to XXXX ) XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XXXX ( Rejected by Round Point ) XXXX, the first lender, had sent us notification that our mortgage would be changing hands to Round Point, to the correct mailing address. However, later no correspondence was received from Round Point or XXXX Mortgage. We found out of this change, after our payment was rejected by Round Point, and I viewed my credit report to find XXXX Mortgage. Round Point is now claiming they do not have our payment for the month of XXXX, however, we have bank transaction records stating the XXXX payment was accepted by Round Point, and never returned back to us.
01/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 47130	Web
I have been hung up on multiple times. Called and harassed the whole month of XXXX about a payment that was made and denied to speak to a supervisor. I just want to know where my money is going. Every month or every other month it is the same thing and it should not be this hard. I send in my coupon and fill it out where my money should be applied. They take it upon themselves to put money wherever they choose to put it, then harassed me and say that I am late, or my rates are increasing because my escrow is low. They sent me all of my payment information and it only shows half the information and is not helpful at all. I really want to know where my money is going and need help resolving this issue. Hours on the phone, and emails and nothing is resolved. This mortgage company is beyond awful and I refuse to give them more money for them to do whatever they want with it. I have stellar credit, and do not want them to report badly. I ca n't refinance because my payments to them are so messed up that I 'm not sure how much I owe and what information is actually correct. They need to be out of business because they do n't know what they are doing!
03/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78757	Web
I refinanced a condo XX/XX/XXXX with no problems. I did not set up an escrow account and paid my taxes and insurance separate from my mortgage payments. XX/XX/XXXX, RoundPoint Mortgage contacted me saying they had paid for my insurance and wanted to be paid back. I checked with my insurer, and they did have a payment from RoundPoint, so in XX/XX/XXXX I paid RoundPoint. Then in XX/XX/XXXX, I looked through my paperwork for the refinance. I have a XXXX form that shows that I paid for insurance as part of closing. I 'm not sure where that money went, and I think I paid twice for that year of insurance. I have called XXXX repeatedly, only to have them tell me to email their servicing help desk. I did that and only received an automated response and no reply as to what any research they may have done turned up. I also sent a letter explaining the situation with a hard copy of the HUD-1 statement and sent it by certified mail. RoundPoint received it ( per USPS certified mail tracking ) on XXXX. I just called them again and was told to email them. I do n't think they are doing anything to look into this matter, and I just keep getting a run-around.
04/07/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AZ 85304	Web
Roundpoint Mortgage Services who services my VA loan has cashed my insurance payment from hail damage in XXXX 2015. They, the Loss Draft department specifically, said initially they were waiting for the XXXX of the XXXX which was submitted with the proposal ( bid/quote ) for services. They said they did not receive the proposal that was also an attachment in the same email. I have since resent it XXXX additional times. They continue to claim they have not received it although, each time, I receive an automated acceptance response from their email system. It is XXXX degrees here in XXXX and they 're preventing me from having a working air condition on a home for which I pay am paying over XXXX dollars for plus interest. In addition, they 're sending me letters saying I am not in compliance with their insurance claim policies because I have not requested a final inspection for the very work they are preventing from being done. Lastly, their phone system does not work properly and when you call it asks three times if you want to leave a message, if you choose not to, it then forces you to or hangs up but no one has returned a single call yet.
11/08/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WV 24740	Web
XXXX originally handled the loan for my home and property. This loan was then bought by RoundPoint Mortgage Servicing Company, before the first payment was even processed. RoundPoint Mortgage Servicing Corporation failed to use my escrow payments to pay my property taxes, which were due six months ago. I have contacted them six times in the last month ( since the day I received notice from the XXXX that my property will be auctioned due to delinquent taxes ) to rectify this situation. They are clearly in the wrong and have admitted as much. Every time I ask for a status I 'm reassured that all is well. I follow up with a call back, and nothing has been done. The property goes up for auction after tomorrow, and they will not agree to provide me with any confirmation that the taxes have been paid ( after they finally do pay them ), so I can not know that my real estate will not be auctioned. I do not have the funds to pay the taxes myself, though I could use a credit card, but I would have to pay interest on the charge and get caught in another battle with RoundPoint to get them to do the right thing. I ca n't believe this is happening!
03/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 336XX	Web
I have to inform you about what a horrible situation our Mortgage company is putting us in. After a bit of research, we are discovering we are not the only ones who have dealt with this in regards to Round Point Mortgage. Its been over 6 months since hurricane Irma destroyed part of our home. Our Insurance company has issued funds from our policy to start making the necessary repairs to our home so we can rebuild. But our mortgage company, Roundpoint Mortgage Servicing, is repeatedly refusing to release these funds!! They have received all necessary documents from us as well as our insurance company. We have sent the documents on numerous occasions and they continue to get lost. We have invoices with our contractor who needs to be paid for the services already performed. In addition, our home continues to sit, with no work being done, and with part of the roof missing. The damage being caused by environmental elements will continue to worsen the damage already done by the hurricane. This mortgage company is turning an already awful situation into a complete nightmare for our family and children. Can anyone offer any help or advice?
12/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21224	Web
On XXXX/XXXX/2015, I increased the amount of my automatic monthly mortgage payment by {$100.00} to pay off my mortgage faster. I received an email indicating that my auto debit payment date has been changed ( which I did not change online ) so I called to inquire. I spoke to XXXX. She assured me ( multiple times on a recorded line ) that my payment automatic deduction would occur on the XXXX of every month as it had for the past several months. On XXXX/XXXX/15, Roundpoint deducted my mortgage payment from my bank account. I called and spoke to XXXX ( XXXX ) and he assured me that the money would be returned the same day. XXXX called back moments later asking for my bank account number and routing number which Roundpoint obviously has since they have been deducting my monthly mortgage payments. I was uncomfortable providing this information to XXXX and he refused to process the refund. I asked to speak to his supervisor. After a 45 min wait, XXXX finally got on the line. She could not explain why 1 ) XXXX had asked for my account information given that they have it on file 2 ) Roundpoint had deducted the money without my permission.
12/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 985XX	Web
XX/XX/2021 I notified the lender they did not have enough money in my escrow account to cover the taxes due for XXXX XXXX they did not listen and had the escrow analysis rant it was still wrong. I mailed my own tax payment. Again in XX/XX/2021 they ran a new analysis where they finally noticed the shortage so they paid the taxes. This resulted in the county get the tax payment for XX/XX/2021 twice. The county accepted the payment and applied the 2nd payment to the XX/XX/2021 due date however Roundpoint did not run another analysis and continued to collect way to high of escrow payments months. Now we are at the end of the year they are holding almost {$3000.00} of my money and still haven't run a new analysis. Based on the bills yearly of {$4000.00} for taxes and {$690.00} for insurance they need {$390.00} monthly plus a small cushion. Yet my escrow payment monthly is still {$510.00} and they are currently as of XXXX holding {$2800.00} in my escrow account with no payments to taxes or insurance due until XXXX and XXXX and by that time they will have collected another {$2500.00} for a grand total in my escrow of $ {$5400.00}.
08/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32216	Web
This servicer has repeatedly reached out to us stating that they have been unable to confirm our condo 's master association policy. We have sent this policy to them, and so has the association itself. There is no record of this servicer actually reaching out to the association, and now after us ( and the association ) sending the policy, they are now reaching out to us again claiming they have been unable to get the policy. At this point this servicer is either lazy or does not have the capacity to do basic due diligence. I'm not sure if they're trying to do some sort of scam so that they can issue some sort of self-dealing master policy. Regardless of what it is, I am requesting oversight over this situation so that this servicer realizes the basic responsibilities it has for a conventional loan in a common community. I am attaching proof of the previous emails that were exchanged, how they also have the contact information of the association, the policy that was sent ( which doesn't expire until XXXX of 2022 ) by both us and the association, and how they somehow still sent another request for this same information.
02/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 452XX	Web
In 2018 my mortgage was sold to roundpoint mortgage from XXXX I recieved a letter saying my first payment to the new company starts in XX/XX/2018 so thats what I did in XX/XX/2018 I started paying online. A few months later I get a letter from roundpoint saying im behind so I call and they pull up my account and they seen all the payments they then said Im good and they dont know why I got the letter. I kept making online payments and I kept getting calls saying no payment was recieved so I called again they then tell me Ditch has not released any payments and that all my payments was paying the back amount I then had to send them a year of bank statements proving I was never behind with XXXX they then tell me my account is under review and to keep making my payments so thats what ive been doing. Now they are saying Im over XXXX behind on payments but when I call they pull it up and see all the payments. From day one ive had issues with roundpoint they cant seem to get anything right Ive looked on the XXXX site and there is XXXX of complaints about the same thing please tell me what I should do so I dont lose my house.
04/08/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 117XX	Web
I have submitted numerous Loss mitigation packages to Round Point Mortgage Servicing Corporation. My application was denied and I was notified at the same time that my loan was being transferred to another servicer and now I have been notified that my home is up for an auction on XX/XX/2019. I tried calling the new servicer XXXX and they told me that my loan would be ported to their system by XX/XX/2019. I did in fact call XXXX on XX/XX/2019 and they told me that there was a hold up on the tranfer of all of the files from RoundPoint Mortgage Servicing Corporation. I can not get my new loan number, I can not do anything to help my self, because of this issue. I house has a sale dte XX/XX/2019 and XXXX may not have time to review a new modification package in order to stop the foreclosure sale. This is not right what RoundPoint Mortgage has done to me and my family. I have a sale date on my home and I am between two servicing companies RoundPoint and XXXX and neither one can help me at this point. What do I do? As of XX/XX/2019 XXXX became the new Servicer for my loan. XXXX has no information concerning my loan.
03/31/2018	Yes	Mortgage VA mortgage	Trouble during payment process	TN 38125	Web	Servicemember
Had another XXXX XXXX and had to have a procedure for {$5000.00} was released from the hospital late on the XX/XX/2018 came home tried to make a payment over the internet and it did not allow me to do so. Tried to call the same evening and it would not allow me to make the payment over the phone either. I called on XX/XX/XXXX and was told that my house had gone into foreclosure today, and was told that if I had made 1 payment last night that I would have been fine. I stated that neither system would allow me to make the payment last night that is why it was not made yesterday. I have had ongoing health issues and they are aware of this. This is a scam to get more money from me or take my home away from me. I spoke with someone named XXXX today and he was just not helpful. He told me that I would have to call back on XX/XX/XXXX for the reinstatement amount. I want their records researched to prove that I tried to make this payment yesterday and XXXX XXXX tells me that he has no idea as to why it would not let me make the payment yesterday. Please see attached screen that I got on XX/XX/2018 when loan was still active.
07/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	HI 967XX	Web
I signed a mortgage loan agreement to pay {$2200.00} a month ( signed XXXX 2015 ) with XXXX XXXX. This included payment for Home owners Ins. ( XXXX. ) and XXXX Ins. ( XXXX ). I have paid all of my monthly payments early and over and above what is required. Then Roundpoint Mortgage took over the loan at some point. I have paid Roundpoint early and above the {$2200.00}. Recently I became aware ( through my online account ) without written notice or written explanation from Roundpoint that my new monthly bill would be {$2400.00} a month, and increase of {$120.00}. I spoke to XXXX XXXX, supervisor at Roundpoint, who stated that because Roundpoint did not take into consideration the XXXX Ins. ( XXXX ) cost into account for Escrow that there was a shortage and I would have to pay that shortage. I can understand an increase in insurance costs per month maybe being {$60.00} or so, but to increase monthly payment to {$120.00} to no fault of the customer is not right. I want to pay what I signed up to pay {$2200.00} a month or close to it at least. {$120.00} increase is alot for a family of XXXX and not fair with out notice.
05/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80525	Web
I work for a title company. We ordered a payoff from Round Point Mortgage. We got the payoff, which was good through XXXX/XXXX/16. On XXXX XXXX, 2016 we wired the funds to Round Point per their wire instructions to payoff the loan in full. We have full confirmation that the wire was sent and I have verified the wire information given to me by Round Point. Round Point has not credited the account with the payoff, they are continuing to collect payments and charge interest on the loan. The Borrower and I have spent over 8 hours on the phone with them just to be put on hold and then cut off. They are not helping to resolve this issue. Even though we have given them copies of the wire confirmation, the payoff statement, our bank account statement they are still saying that they did not receive the payment. I have also spoken to a supervisor and he is at least a little more helpful, but not solving the problem. The borrow refinanced this loan, and has his first payment coming due on XXXX XXXX, and because Round Point will not resolve this issue in a timely fashion, he does not have the funds to make the first payment
01/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32216	Web
This servicer actively makes it extremely difficult, if not impossible, to get to a customer service agent when calling their phone number XXXX. I was locked out of my online portal this morning ( XX/XX/XXXX ) when trying to retrieve my XXXX tax document for the XXXX tax year. I spent over XXXX minutes on the phone pressing various options to attempt to get to a customer service agent to try to fix the issue. None of the options were applicable to an online account issue so I kept repeatedly pushing XXXX and saying " agent '' and the phone tree kept responding that it was an invalid selection, then ultimately hung up on me. Even if an option were theoretically applicable to my situation, I am someone in their 30s who is fully fluent in English. I am not sure how seniors or people with more limited English skills are able to interact with this lender. For a servicer to be this opposed to having borrowers actually speak to someone is appalling. I am unable to actually speak to someone because this lender thinks it's appropriate to hang up on someone when none of their options are applicable to their situation.
02/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07030	Web
My mortgage servicing was transferred to Roundpoint Mortgage Servicing soon after issuance of the mortgage on XXXX/XXXX/16. Since that time, we 've run into many issues with Roundpoint including related to getting our address changed ( refusal to recognize the correct address ( same as our mortgage property ) ), threatening to force place homeowner 's insurance on the property despite having provided documentation numerous times supporting adequate insurance coverage, and now the realization that they have force-placed flood insurance on our property despite providing proof of insurance on the property which is provided to the entire building through our condominium association. Proof of this insurance was required to obtain our mortgage in the first place. I would have never known that Round Point had done this except for browsing through detailed escrow withdrawal explanations online -- and they withdrew {$1800.00} from my escrow account without any notification, and despite the fact that they have proof of adequate flood coverage through my condominium association, which we pay monthly as part of our dues.
01/18/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 76033	Web
Roundpoint Mortgage took over my loan 6 months ago not by my choice. Ever since then I 've had nothing but problems. I have paid my mortgage and esgrow for 11 years and have been transferred to XXXX diffrent banks without issues. First this company dropped the ball on my insurance info and tried to put me on there insurance than 4 months later I got a statement saying I was XXXX dollars short acording to there Esgrow Anyalis Department they tried raising my monthly payment from XXXX to XXXX a month becuase they estimated my property taxes to go up double that is totally bogus. I have never been that much short ever I 'm a Vetran on a VA loan and I understand taxes and insurance go up but to raise my payment from XXXX to XXXX becuase there analysis department projects that which is completely bogus after talking to my local tax appraisal is XXXX I worked really hard and refinanced to keep my monthly payment low and when I called there bank all I could get is sorry that 's what our analysis department projects. There is no way on a homestead your taxes jump XXXX dollars in 11 years they went up XXXX dollars
03/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77571	Web
This mortgage company has made SO MANY errors in the servicing of my mortgage. I did not choose them - they purchased my mortgage shortly after I closed on my home in XX/XX/XXXX. My escrow account had to be re-analyzed THREE times due to clerical errors. Initial increase in my payment of $ XXXX/month was paid for XXXX & XX/XX/XXXX. I did the homework & sent both , county & city actual taxes due on XX/XX/XXXX. They transposed numbers on one & did not update the other. When all was finally corrected, my actual payment increase was only {$37.00}. In XXXX, insurance renewal time, I asked them to withhold payment of initial premium notice, as I wished to shop & make changes to the policy. After two weeks, I gave them the revised premium & the OK to proceed with payment. They acknowledged receipt of the corrected declarations page. Two weeks later, the payment had still not posted, and I became concerned, as the due date was 2 weeks away. When it was finally released, they paid the INITIAL premium, not the one I asked them to!! I am currently waiting on a refund that will be processed by my insurance company.
11/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34983	Web	Servicemember
My company has increased the escrow amount of my mortgage because of an error on their part and continually refuse to look into it. I recently received a letter form the Tax Collectors of my City telling me that my taxes were delinquent due to non payment. Since this is included in my mortgage payment, I immediately called my mortgage company to have this investigated. A few weeks later, someone from the mortgage company called me to inform me that the payment to the tax collectors office was made to an erroneous account hence it was not credited to my parcel and that this was being taken care of. A year later, I got a notice from the mortgage company along with my escrow analysis report saying that my mortgage payment was being increased due to a deficit. Upon review of the escrow analysis report, I noticed that the taxes for the first year was paid twice and past the delinquent point. Again, I called the mortgage company several times to resolve this, I keep getting the run around and no one has been able to help me resolve this. It now has been more than a year trying to get this fixed to no avail.
04/01/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MN 55417	Web
XX/XX/2016, I received an escrow refund check and notice that my payment would drop by ~XXXX/month by my mortgage servicer. I was happy. On XXXX XXXX, 2016 I received notice via mail ( no email was sent ) stating that a new Escrow Analysis was conducted as a result of a negative escrow balance and that my payment would increase over {$200.00} beginning XXXX XXXX, 2016 - the same day I received the letter! As a family that plans every monthly budget, you can imagine how upset I was to learn of this change. After speaking to the representative, I learned that XXXX had failed to account for the escrow of my hazard insurance and only began escrowing for it after I called them to ask if they were going to pay my insurer ( they initially stated that I was responsible for my hazard insurance premium - but, I insisted that they had escrowed for it - we checked the closing docs and, yes, they were supposed to escrow for it ). RoundPoint totally mismanaged my escrow analysis, failed to follow the docs signed at closing and, as a result, I 'm stuck paying an additional {$200.00} a month for their failures.
04/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA XXXXX	Web
Hello, I submitted a complaint # XXXX and the company has closed it. The company ( Roundpoint Mortgage ) responded within 2 days of my complaint. They have confirmed via email and phone ( XXXX XXXX ) that the forceplaced insurance amount they stated of {$2500.00} will be refunded and effective XX/XX/XXXX, it will no longer be applied. Two issues remain outstanding. I have followed up with XXXX XXXX ( my assigned contact ) twice, in the last 10 days and have not received a response. ISSUE 1 : Roundpoint states that the forceplaced insurance amount to be refunded is {$2500.00}, however I was actually charged an extra $ XXXX/month for the forceplaced insurance since XX/XX/XXXX. 9 months x {$580.00} = {$5200.00}. I expect to be refunded this amount and Roundpoint has not yet responded to this discrepancy. They continue to neglect my inquiries regarding the discrepancy and only respond to address the {$2500.00} amount. I expect to be refunded for the erroneous amount I was actually debited, not what they state to be the amount. Issue 2 : I have not received a response on the timing of the refund.
11/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08060	Web
For the past 8 months we have been struggling with roundpoint servicing regarding an escrow issue The servicing was transferred to them from another lender. They refuse to correct a flood insurance escrow placement, when we have had and have shown numerous times that we have flood insurance on this property. We have spent countless hours in phone calls that lead nowhere or with someone who states there going to correct it and send us a corrected analysis but when it comes in the mail it is wrong. They are charging us for flood insurance when we have satisfactory proof of coverage there has never been a laps or gap ... iwhen the transfer happened to their company is when we have had nothing but problems! We get the runaround one department dosent know what the other is doing, or it takes 60 days to make a correction, which is a direct violation of TILA AND MAP regulations. But to date NOTHING HAS BEEN RESOLVED. I beg for assistance. Every three weeks we go through a routine of calling being placed in hold for 30 min at a time after being placed there from a representative ... .. we need help.
11/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28105	Web	Servicemember
I have requested an adjustment on my escrow amount for property taxes. First, I asked the mortgage origination company representative XXXX XXXX to not escrow since I was making a substantial down payment. She told me it was too late in the process to change it but as soon as my mortgage got sold to a servicing company they would waive it. When I was notified that Roundpoint Mortage Servicing Corporation was now handling my mortgage, I contacted them and requested that escrow be waived. They told me I had to have one year of on-time payments before they would review it. I pointed out that my tax bill was {$520.00} and my current escrow amount is {$4300.00}. And, an additional {$330.00} would be added to my escrow balance each month with my payment. They said they didn't have the bill from the county. I emailed them a copy of it and contacted them again today. Now, they say they need eighteen months of on-time payments before they can review my escrow account. At that rate, they will have over ten times the amount of money in escrow that they need to pay my taxes. This is unethical to me.
11/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70124	Web
Roundpoint Mortgage Servicing Corporation services my home mortgage. When their client purchased my Mortgage, they did so without the obligation to pay the property taxes. I am responsible for property taxes. I paid the property taxes as per my duty in 2016. I then began to receive notices that they wanted to me additionally pay into escrow with them. When I inquired about this, they stated that they had also paid the property taxes on my behalf. I asked them to correct this issue and not to bill me for unpaid escrow money. They stated that they could not correct the bill until they had received the overpaid taxes from the municipality. Given that the error was administrative on their part, I asked them again not bill this directly to me. They claimed that they would work this out on their end. Despite several conversations with customer service I have received bills including late fees and collections notices which I feel are harassment, given that the original issue was an administrative error on their part. I continue to receive these notices and would like them to correct the error.
06/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90706	Web
In XXXX of XXXX I received a letter stating that information was needed to verify comprehensive coverage of insurance of my property. This information was sent in multiple times to Roundpoint Mortgage Servicing through fax, email, as well as through their own website. However, through multiple phone calls and contacts with the company they claimed they did not receive this information. A policy was forced placed on my mortgage which I refused to pay. A late payment remark was made on my credit report XXXX well as my co-borrower 's credit report in XXXX of XXXX due to my refusal to pay the additional amount request by RPM Servicing ( Roundpoint Mortgage Servicing ). I was never given an opportunity to pay solely the principal and interest which I was obligated to pay until beyond the original payment being in excess of 30 days late. Multiple attempts were made to fulfill my obligation to RPM Servicing prior to the 30 days delinquency. Currently I am attempting to make my XXXX payment and they manner the previous payments have been applied does not allow them to do this in their system.
11/16/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34202	Web	Older American
Following our request for a payoff, RoundPoint Mortgage Servicing provided us a Payoff Statement of the subject loan on our house on XX/XX/2022, with a payoff date of on or before XX/XX/2022. On XX/XX/2022, the loan was timely paid in full with a payoff of {$480000.00}. Despite our requests RoundPoint Mortgage Servicing has failed and/or refused to provide to us or record a Satisfaction or Release of the subject mortgage even though they were paid in full with the full amount requested of {$480000.00}. We have now been informed that after being paid in full on XX/XX/2022, RoundPoint Mortgage Servicing fraudulently sold or transferred our consumer loan to XXXX Mortgage who is now seeking double payments and damaging our credit. We have demanded a Satisfaction or Release of Mortgage from Freedom Mortgage in addition to RoundPoint while showing the Payoff and Wire Transfer in the amount requested in the Payoff to both lenders with no response. In fact, after overpaying 7 days of interest and after an insurance escrow refund, XXXX XXXX and XXXX XXXX are owed a refund of {$1600.00}.
10/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23112	Web
Roundpoint Mortgage Servicing Corporation has lost my hazard insurance information and is not effectively monitoring various websites they have outsourced multiple processes to. When I try to access their website at roundpointmortgage.com, they offer no method for contacting them securely from that site, and instead redirect me to a website on a completely different domain, at XXXX. That site in turn then directed me to yet another domain at ihaveinsurance.com that is broken and offers no way of contacting the company that operates the site. For payment and other account management tasks, the roundpoint.com site again is useless and their " sign in '' button merely sends the customer off to yet a third domain at XXXX, which like the other sites offers no secure method of communication. I am concerned that this company is engaged in risky and quite frankly " sloppy '' management of personal data and is not exercising due diligence to ensure third parties they redirect customers to are operating functioning sites that provide secure means of communication and transmittal of data.
07/08/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IA 503XX	Web
I was on a Covid-19 forbearance plan with Roundpoint Mortgage. At the time we started our mortgage balance was under {$290000.00}. I was advised I would not be accruing interest during the Covid-19 hardship. When my husband got a job and we were off the plan they modified my loan and without my knowledge added to our mortgage and brought the balance up to {$320000.00}. I have been paying on the mortgage for 9 months and the principal balance keeps rising as well. I was never told that my balance would go up and I was told that there would be no interest added. I was informed that the mortgage would be extended so the payments were lower and that the escrow shortage would be split into 5 years of payments. This is not what happened and Im trying to get my money back on all of the interest they added. I also want to know why my balance increased despite making over {$16000.00} in payments. I tried to solve this with Roundpoint but they said they cant help because my mortgage was transferred to XXXX XXXX. XXXX XXXX is saying they cant help me because this was something Roundpoint did.
09/10/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	LA 70454	Web
My current mortgage was sold to Roundpoint Mortgaging in XX/XX/XXXX or XXXX of 2019, in the process my old loan company did not forward the payment to roundpoint. Roundpoint never reported to me that the payment was not received from them, and instead erased all of my payments and moved them each up one month, this was done without my knowledge. About 6-7 months later I get a statement saying I owe them around $4000 for 3 missed payments. I called to get the situation handled which they would not work with me to handle. When questioning the current person from Roundpoint she told me when they moved my payments up a month they only put back what my loan payment was and the extra I had paid each month was not documented. They have threatened me with foreclosure and continue to harass me about this situation. This should be between the old lender and the new lender since I have made my payments. My credit had a 100% ontime payment history, so this is not a recurring situation for me. I have spoke with them multiple times and I’m greeted with rude employees who refused to help me.
04/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37209	Web
Our mortgage company, Roundpoint Mortgage, is a disaster. In XXXX we received notice that we had overpaid our escrow and received a refund. In late XXXX we were told that we were underpaid into escrow and our monthly payment was increased by $ XXXX per month. This was a 50 % increase without warning. After working with lender they agreed to spread repayment out over 24 months. Just this month we received yet another notice of increase ( only a few months after our agreement ) that a new analysis showed we needed another increase. The inconsistency in this has caused stress to our family and monthly mortgage budgeting. We 've been unable to speak with anyone who can speak to us and talk us through this issue with clarity. The only explanation we were given was " we should have requested an analysis sooner to ensure we were on track. '' They went on to say " we have several XXXX loans and are n't able to keep up with all that have or may have shortages. '' This has been the most difficult mortgage company i 've ever dealt with, and their communication could use much improvement.
09/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07871	Web
We closed on our house in NJ on XXXX/XXXX/2016 and we are still waiting for our escrow check. Since the XXXX or XXXX of XXXX we have been calling them every week, and we get a different story about the check every time we call. Since out first call in XXXX to this day XXXX XXXX, They have supposedly sent out XXXX checks due to us not receiving the first, the second and the third check. They also told us they were going to do an investigation on the first check we never received to see if it had been cashed. And of course when we inquired about it they told us it was internal information and that they could not tell us what happened to the check. Now there saying that it is the Us post that keeps losing the checks, however they could not present any real truth to this as they were not able to give us a tracking number for these checks. Regardless, if this was the case would they not be willing to resolve this issue with the post. The company is called Roundpoint mortgage and is located at XXXX XXXX XXXX XXXX XXXX, NC XXXX Can you please help us. We are at our end!!!!!!!!!!!!!
10/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 193XX	Web
XXXX Timely escrow payments and treatment of escrow account balances. My loan was paid in full on XX/XX/XXXX as the result of a refinance. I called and requested my remaining escrow balance be mailed to me shortly after my pay off date. I was told by Roundpoint that according to Reg Z, they had up to 20 days to send it to me and would not be able to fulfill my request for it to be mailed that day. I was told that the request had to be sent to XXXX XXXX XXXX to be fulfilled. I submit this complaint today, XX/XX/XXXX and I have yet to receive my refund check. I called Roundpoint on XX/XX/XXXX and confirmed with the Roundpoint representative that the check was mailed on XX/XX/XXXX and I still have not received my check. Roundpoints system of record indicates the escrow was dispersed on XX/XX/XXXX, but according to the Roundpoint representative I spoke with the check was not mailed until XX/XX/XXXX, which is 22 days. Paid in Full on XX/XX/XXXX. Today is XX/XX/XXXX. 28 day difference not including holidays and weekends. This time frame is not reasonable according to XXXX.
04/24/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	CO 80122	Web
In XX/XX/XXXX, I suffered a property loss to my residence that necessitated repairs of less than $ XXXX. Over the last 6 months, I have successfully and without incident retained a contractor and resolved and closed the claim with both participating insurers. However, a small portion ( ~ $ XXXX ) of the Insurance payment is considered 'controlled ' and requires my Mortgage holder to endorse alongside myself. I am currently re-submitting paperwork for the 3rd time to Roundpoint Mortgage Servicing to authorize and close the claim with them. They already hold the check that was endorsed and delivered per their stated requirements, but they have provided faulty information regarding the necessary Notarization of the paperwork on 2 separate occasions that has significantly delayed the process. They are currently refusing to accept properly notarized paperwork because my contractor prepared it in advance, and now I am obliged to spend multiple hours resolving this - again - just to get the funds returned so I can pay an outstanding invoice more than 90 days after it was issued.
04/08/2018	Yes	Mortgage FHA mortgage	Credit monitoring or identity theft protection services	FL 33880	Web
Due to the storm they called me to see if I had any damages and if I reported to my insurance. I said I do have damages on my roof and that I had to fix it out of pocket because the deductible is to much. They told me I can do this thing referente for three months pay nothing and for those three months they will put the money I owe to the back of the loan. I said ok but I will pay {$200.00} a month. Then after that was over continue paying my regular amount after three months. They took it upon them self to put me to see if I would be available for Mediation after almost 2 months they said I wasnt approved and can I pay the two months I owe and if I dont it will go on my report when they are the ones that put me here. I believed they was helping instead they wasnt. Now my credit is going to go down because of them Lying to me. I want this late payment thing to go away because it was not my fault they told me that it would go in the back of the loan. Everyone I pay they telling me Im paying for another month. If this would of happen I would if still be ok without there help.
03/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90230	Web
My loan was sold to the Roundpoint Mortgage Servicing Corporation last year. I received the letter from the city stating that I did n't pay the taxes for the last year and and I am charged {$200.00} penalty fee. My account is set up as an impound account ( have escrow and money is deducted automatically each month ). The Roundpoint told me that they payed the taxes in XX/XX/XXXX they will research this and will get back to me by XX/XX/XXXX. Second issue is my mortgage increased in the amount of {$210.00}. The Roundpint told me that my home value went up. Looking at the public records the last time property value changed was in XX/XX/2011 when I purchased my home. I asked them to send me a detailed report so I can understand how did they get to the amount of {$210.00} increase and the proof of tax payment. They told me that this conversation is recorded and they can not send me anything in writing. I feel that this amount of {$210.00} is wrong and they are lying to me about taxes being paid. The customer service representative XXXX did not let me to talk to the supervisor.
09/09/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33056	Web
Correction to letter these funds not noted on XXXX payment history account number XXXX please attached to case number XXXX sorry for the error Im just exhausted with this situation, also I feel violated that someone would take/steal funds from me that the government gave me towards my mortgage payments and to make it seem like I was in default of missing mortgage payments that they took funds and invested in a money first investment account and file assignment of note benefits insurance claim on my property. Yes I feel very violated. And not only that use me to sign for a fraudulent loan modification of stolen monies that the Florida Housing Administration, applied to my my mortgage loan and still missing funds that is still unaccounted for, as new money to that loan modification having me to make mortgage payments on that stolen money that should have been applied to my account in the first place. I also ask Mr XXXX from Round Point Mortgage why wasnt I informed about change of mortgage loan from FHA to an Conventional Mortgage loan, he still didnt give a concrete answer
08/02/2022	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA XXXXX	Web	Servicemember
Spoke to XXXX XXXX XXXX, Senior Vice President XXXX XXXX, RoundPoint Mortgage Servicing Corporation nmls : # XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he told me he can move forward with the loan. On XX/XX/XXXX, XXXX referred me to XXXX XXXX, Branch Manager License, NMLS # XXXX at RoundPoint Mortgage Servicing Corporation, NMLS # XXXX, c : XXXX. She pulled my credit and obtained copies of my bank statements, tax returns and other sensitive documents for the VA loan. XXXX told me that I was approved for {$320000.00} and instructed me to start shopping for a home with my Realtor. My Realtor and I couldn't find a home I liked in XXXX XXXX ; so we started looking in XXXX. We found a home and told XXXX that we would be moving forward with XXXX. XXXX was unable to be reached. I then reached out ot XXXX and he was unresponsive as well. I then reached out to XXXX XXXX XXXX at Roundpoint to ask what was going on and was told XXXX was no longer with the company. I asked him who I needed to contact to move forward with my loan as I only have a month to secure housing - no response.
10/20/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48906	Web
I have had problems with Round Point since the beginning. They are very difficult to get ahold of and it takes 2-21/2 hours to get any answers if I even get them. I closed on my house on XXXX XXXX, 2015. Upon the Title Company requesting the payoff which they did not receive, I called to get it and it took hours on the phone with them to finally get it. They calculated my interest for the entire month when we closed on XXXX XXXX. I have the proof that I will attach that they received the payoff. Since the closing they are calling me several times demanding a house payment. I have explained to them that the house is sold but they still call and demand claiming they did not receive a payoff. They refuse to give me the interest back XX/XX/XXXX thru the end of the month and refuse to refund my escrow balance as well. In turn I can not cancel my home owners insurance since they are still showing a lien on the property. Can you please help with this situation? I will be attaching several documents to show that the house has closed and the mortgage is paid in full. Thank you
02/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL XXXXX	Web
I called Roundpoint mortgage on XX/XX/2022 to update my excess payments to be applied to principal balance. I was showing as next payment not due until XX/XX/2022. They assured me action would be taken and excess amounts would be applied. They said they would email me within a few days. I did not hear anything. I called again on XX/XX/XXXX to follow up. The case had been closed because it was not properly assigned. Reopened issue. The policy on back of the statement states " Excess payments, also known as partial payments, made will first be applied to overdue payments, then to late charges and other amounts owed under terms of your loan, then to amounts specified in your payment instructions, then up to one future payment, and finally to reduce your principal balance. My current statement shows next payment not due until XX/XX/XXXX. I called Roundpoint again today. Issue is still not resolved. I explained that I want all excess payments to go towards principal. Next due date, will be paid on XX/XX/XXXX. I do not understand why they are not following their own policy.
07/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10541	Web
As a follow-up with the Roundpoint mortgage response to my complaint XXXX I've contacted the mortgage servicer to find out when they going to make a promised 3rd escrow analysis, since in the letter they stated that they have received the tax refund of {$880.00} from town of XXXX XXXX ( that money is the fee the town charged the Roundpoint for not timely paying for the school tax ) and they are in the process to do a new analysis. The contact name provided in the letter was XXXX XXXX. I did call to speak to him, but he wasn't available so to my request I was told that i will be contacted by XX/XX/18 regarding the new escrow analysis and updated bill. Nobody contacted me which is not surprise, knowing how dissmissive their customer service is.. which left me no choice but follow with another complaint to CFPB since the firsy complaint helped them to reduce my payment from {$4600.00} to {$2800.00} which i still believe is too high. Please respond promptly as my due date to pay is just few days away and i dont want to pay late fee. thank you XXXX XXXX loan # XXXX
07/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75206	Web
My wife and I filed a homeowner 's insurance claim to repair water damage. The initial payments were issued directly to us, but the project crossed a threshold where the insurance co-issued the check to our mortgage company. First they said they would endorse it with an invoice. We mailed them the check, but then they immediately returned it to us, and asked us to endorse it and return to them. Then they deposited the check into an escrow account without informing us or the insurance company. They held it without notifying us of what documentation they needed or how to ever get paid from it. They keep changing their story of what paperwork they need and how to get an inspection scheduled. The customer service representatives have no access to how to schedule the inspection, which company is going to perform it, or what to do when we are inevitably NOT contacted by any inspector. I believe they are intentionally holding onto our insurance funds as a company financial asset. They consistently refuse to put any communication or requests for documentation in writing.
07/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98144	Web
My mortgage was purchased by XXXX and XXXX reassigned servicing of the mortgage to Roundpoint Mortgage Servicing Corporation. I received notice of this reassignment with letters dated XX/XX/XXXX ( from XXXX ) and XX/XX/XXXX ( from the previous mortgage holder - XXXX ). Both letters indicated the new servicer was Roundpoint Mortgage Servicing Corporation. I have not received any contact from Roundpoint Mortgage Servicing Corporation regarding servicing of my loan. I have called Roundpoint twice - once on XX/XX/XXXX and once on XX/XX/XXXX. Each time they have stated the mortgage is being processed, that they are unable to accept payment until the mortgage is processed, and that I should check back in a week. I am now at XX/XX/XXXX, and my mortgage payment is due tomorrow. However, I have no servicer to send it to, since Roundpoint apparently believes they are not servicing my mortgage. I am in a bind where I have to pay my mortgage, that I know Roundpoint needs to accept my payment, but Roundpoint is not willing to accept my payment. I ca n't pay my mortgage.
06/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 400XX	Web
I have a mortgage with RoundPoint Mortgage Company. I submitted a request to have my PMI removed and my request was denied. I tried talking to someone in customer service and they were completely clueless and unable to help at all. All of this information is based on their own documents which can be found here : XXXX XXXX XXXX XXXX When can I request PMI be cancelled? '' " ( 2 ) the date the principal balance actually reaches 80 % of the original value of the property '' " How do I find the original value of my property or LTV? '' " If the loan is a refinance, then the original value is the appraised value used to refinance the loan. To calculate the LTV, divide the unpaid principal balance of the loan by the propertys original value. '' Refinance Date : XXXX XXXX Appraised Value Used To Refinance The Loan : {$380000.00} Unpaid Principal Balance of the Loan : {$300000.00} Unpaid Principal Balance of the Loan / Appraised Value Used to Refinance The Loan = XXXX / XXXX = 79.93 % I do not understand why they are denying my request to have PMI removed. Thank You!
09/14/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	MI 49424	Web
Round point has said that they would removed the PMI on XX/XX/XXXX statement. Today I got the statement and they refused to removed it. I have asked many times and they keep moving up the date refusing to removing. I have the right to request that your servicer cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PMI disclosure form when you received your mortgage. If you can't find the disclosure form, contact your servicer. I have reach well beyond that 80 percent point. Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.
05/30/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33062	Web	Older American
Roundpoint Mortgage acquired my mortgage from XXXX XXXX in XX/XX/XXXX. I called and ask a customer service representative XX/XX/XXXX if I could remove the escrow and pay it myself. I received a check for {$2700.00} on XX/XX/XXXX, check # XXXX for an escrow refund. I also received a letter from Roundpoint dated XX/XX/XXXX stating as of XX/XX/XXXX I would no longer have an escrow account and that my mortgage payments would now be {$560.00} for the principle and interest only. I have paid the mortgage amount {$560.00} on time since then but their billing statements and my on line account still reflect I owe escrow, so they charge me for partial payments and late fees. I have spoken to customer service reps on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this. They called me on XX/XX/XXXX and had me give them my checking account information and took {$1600.00} that day to apply the late fees they said I owe. That confrimation # XXXX On XX/XX/XXXX I received a packet from Roundpoint with information how to avoid foreclosure. I do not know what to do anymore.
07/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21015	Web
Our mortgage company has our home insurance in escrow. They received our insurance bill in XXXX of 2015 for the XX/XX/XXXX payment. In XX/XX/XXXX, we received a phone call from our Insurance agent stating that our insurance was about to be canceled, due to lack of payment.We contacted our mortgage company asking why they did not pay. They gave us the run around, no one giving us a straight answer. I told them to pay it immediately. I was then told, they were given a grace period and would send a check out in time to pay the bill. I got off the phone frustrated and contacted my agent to let him know it would be paid. Periodically, I called the agent only to find it had not been paid. I called again and got another run around. We received a cancellation notice for non-payment. I had to call my agent and pay my bill via credit card to prevent our insurance company from dropping us. I have called twice to see if our taxes have been paid and once again no clear cut answers just talking in circles. I am frustrated and concerned about where our money is going.
09/16/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 132XX	Web
We Purchased a house in 2016 and our loan was sold to Round point Mortgage. When we purchased the house for {$260000.00} it was far below market value as other homes in our development have sold for {$400000.00} and above. We have put over {$70000.00} into the home since we purchased it ; in updating and renovating. We have tried twice to get Round point to Drop PMI and the latest appraisal came back at LTV 77 %, they will not drop PMI even though we are under the standard 80 % LTV requirement. They charge a fee to have an appraisal done and if you don't agree with the appraisal you can pay an additional fee and Round point again can rule on this, even though they were the ones that originally denied your claim to have PMI removed. This practice i feel sets the home owner/ Customer up to never win any dispute. The purpose of PMI is to Protect the loan and the investment, when homeowners are willing to put that much money back into their homes shouldn't that also show the mortgage company the homeowners willingness to increase the homes value.
08/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 710XX	Web
Roundpoint mortgage Co. established an escrow account to pay my insurance without my knowledge, or authorization. They issued payment to my insurance co. without receiving an invoice from them. In several months Roundpoint, has not been able to resolve the problem. They appear to be sincere about fixing the problem but can not get it done. They have not to sent the letter requested by my insurance co. ( letter head memo requesting the money be returned ). My insurance co. has been waiting for several months for the authorization to return the money. They have no problem in returning the funds, but require the written authorization.. Roundpoint is now sending me late fee notices and requesting I pay the funds back. Rounpiont has agreed that it is their fault. I have continued to pay the amount of the mortgage payment but not the added amounts for the escrow account. I pay my own insurance by bank draft from my checking account. Please help!!! If you look at their reviews on line you will understand what I am dealing with. XXXX XXXX XXXX
10/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95621	Web
Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. I am submitting two complaints, one for XXXX and one for Round Point Services.
12/12/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA XXXXX	Web
On XX/XX/XXXX I spoke with a representative of Roundpoint Mortgage to apply for deferment of the balance owed to the maturation date of the mortgage. I was told the application takes XXXX weeks to review. I received a letter from Roundpoint mentioning total due at the time, unfortunately I do not have it with me as I'm traveling for family emergency. The amount listed was over XXXX but did not mention my deferment. I called in on XX/XX/XXXX and the automated system informed me they were still reviewing my application so I opted not to speak to anyone and await their decision. Today I called as I have received nothing from them about my application. I was informed they sent me a solicitation letter on roughly the XXXX, the day before I left to tend to family business, and that this letter probably cancelled my application. I've resubmitted my application which will take up to 30 days to review. I am fully capable of resuming my normal payment but feel that I am being pushed further and further back in an effort to force me to default.
08/24/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web
Please see attached exhibits A also I called XXXX today at XXXXXXXX XXXX and spoke with XXXX to let them know that Im mailing in a mortgage payment. She stated to me that they have not came to a resolution and if I can be on a payment plan for 6 months and pay {$1500.00} dollars in mortgage payments for those 6 months which was ridiculous to me because Im not even 60 days late and my problem isnt making the payments my problem is the fraudulent activities that took place with this mortgage loan. Therefore they are still trying to get me to refinance or put me on a payment plan and I even been getting emails to refinance FHA mortgage loan, they are truly trying to cover up by misrepresenting false address to FHA connection to obtain insurance property claim and using incorrect mortgage note by changing the parcel ID number and using the mortgage note, FRAUD for Profit, on a loan modification agreement dated XX/XX/2014 which I had no knowledge about the loan modification agreement dated XX/XX/2014 on the back page of the Mortgage document.
03/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76135	Web
I recently was forced to get an appraisal done through Roundpoint to get the PMI removed from mortgage. Roundpoint made me get this appraisal respite the lender not specifically requiring appraisals for PMI removal ( Lender requires some form of property value assessment, acceptable forms include XXXX. ) Before I agreed to this appraisal I made sure I would receive a copy of the report and the invoice. Roundpoint confirmed in writing that I would receive these items ( Reference paragraph XXXX of the XXXX email attached ). The appraisal report was sent from the appraisal office to Roundpoint on XXXX/XXXX/2016 ( I was not copied on this ). On XXXX/XXXX/2016 at XXXX am I sent an email to Roundoint ( servicinghelp@roundpointmortgage.com ) again requesting a copy of the appraisal and invoice ( reference attached XXXX email ). I waited weeks before sending another message through the Roundpoint online messaging service, again requesting this information ( reference attached XXXX message ). Roundpoint has refused to give any kind of response.
01/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 36526	Web
Approximately XX/XX/2019, Roundpoint choose an insurance policy with the same coverage for my ESCROW, but the premium went from {$1400.00} annually to over {$2100.00}, they increased my monthly payment about $ XXXX to cover the new shortage. I called and canceled that policy myself, got a new equitable policy, and calculated my taxes insurance etc and appeared to have an overage in my ESCROW so that Id be due a refund. They told me the new monthly payment would stay the same due to their projected ESCROW account estimates. Today they have tried to increase my rate AGAIN, citing the same insurance issue and demanding an additional {$880.00} for my ESCROW due to another assessment completed XXXX XXXX. My new policy was {$1800.00}, the taxes did not increase that much this year and have been approximately {$600.00} annually, and it appears that even asking them to cancel the old policy they still have this listed on the ECSROW account, I have called these people 6 times since XXXX and have had no resolution with clearing up these issues.
06/14/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX XXXXX	Web	Servicemember
VA Lender XXXX XXXXXXXX XXXX sold Va loan to Round point Mortgage to collect {$260000.00} and foreclose my home. XXXXXXXX XXXXXXXX XXXX denied my legitimate claim to repair my exterior because of uncircumstances of plumbing water leak inside of the walls. XXXX new home construction of XXXX refuses to fix my home issues. XXXX XXXX has a law firm to denied my claim. I am XXXX, Retired.I am in XXXX having XXXX XXXX XXXX with my primary doctor XXXX XXXX XXXX since XX/XX/XXXX till present. There could be a possible XXXX. I need to be in my home after my medical treatments in XXXX. I already filed complaints against XXXX XXXX and Round Point, there is a major scandals, fraud and corruptions of XX/XX/XXXX till Present. My home is not in condition for me to be living because of molds, and repairs issues. What is the investors are going to do about my XXXX accommondations under my ADA Disability Act Civil Rights under Department of Justice? This is a very urgent matters. I am stress and i am prescription medications for my pains.
05/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93630	Web
We sold our home and the mortgage was paid off through XXXX XXXX XXXX on XXXX/XXXX/16. Several weeks later I was contacted via phone by Round Point Mortgage saying I owed them an additional {$400.00}, that the pay off had been short. I contacted the title company and they requested something in writing to show the shorted amount so it could be paid. Round point would only tell them to wire the money to the same place as the rest of the pay off but would not submit any proof of the shortage. Both myself and the title company have made multiple attempts to get speak with the mortgage company. Usually being on hold for near an hour at a time. They will not send me my escrow balance. Per the attached documents you can see the the loan was paid in full. My escrow account has a balance of {$1600.00} and a month after the loan was paid they are trying to take money from my escrow balance to pay principal and interest in the month of XXXX when there is no loan to pay on. I am seeking help in getting the full balance of my impound account.
04/02/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 177XX	Web	Older American
On XXXX XXXX, 2011 I become unemployed. At that time my mortgage servicer was XXXX XXXX XXXX ( XXXX ). By XXXX I ran out of funds and I applied for mortgage modification and I head great difficulties to have the mortgage modified by XXXX, regardless, I used XXXX different mortgage modification company to help including XXXX MHA approved, Credability with no avail. XXXX sold my mortgage without resolving my modification. The mortgage changed couple of hands since. I am XXXX years old and XXXX, but because I was turned down with my modification and I need to keep my house I was forced to go back to work. I applied for modification to have my mortgage interest rate reduced not raised. The servicer Roundpoint Mortgage Servicing Corp. offered me a totally dishonest modification they are raising my interest rate from XXXX to XXXX. They are stilling my house, I am XXXX and my XXXX benefice is {$2000.00}. I have to XXXX as soon they will make my house affordable. Is insane to force me to work until I will be XXXX to pay the mortgage.
08/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80538	Web	Older American
Our mortgage was sold to XXXX Mortgage servicing. We sold our old home.The first week of XXXX I contacted them to " recast '' my mortgage. I placed many calls, and was given an astonishing amount of bad information, no action was done, and they would not return my calls. Finally, after realizing they would not communicate or cooperate with me, I decided to simply pay off the mortgage. I have paid off mortgages, so getting the payoff amount is a simple process. I paid the principal because they would not give me a payoff amount. They will not give me any interest not covered, or any information about my escrow account. We are now in the XXXX month of trying to take care of business. This neglect would not happen if they were trying to do a legitimate business. A real business solves problems, and takes care of basic processes. I therefore suspect that they do things they way they are doing because it obviously suits their interest. This makes me suspect fraudulent business practice. I can think of no other explanation.
12/11/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	DC 20019	Web
Roundpoint Mortgage Servicing Company Overpaid my city taxes by thousands of dollars and it has raised my mortgage over a 1000 plus dollars. I have researched the issues that I have and I have seen a methodical pattern of the same issues that others are having such as over payment of taxes which include double payments, refusal to show documents and long hold times and ultra vague answers. I was working with a customer advocate and the number given was to a non working number. I have not made my payment due to not having the finances to pay the extra 1000 plus dollars. I have read the complaints on your database and it shows that when they say they will waive the late fee. they will not once after the due date. The issues that I am having is no fault of my own but it looks like the time it takes for them to fix the issue you are forced to pay the high increases with push back from the company to get a refund. I have contacted legal council to advise me on this and to conduct research on these issues that others are having.
11/30/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	LA 70737	Web
The mortgage loan was closed on XX/XX/XXXX, and the remaining amount for closing was paid by me on XX/XX/XXXX to the Titling Company. I was not aware that the Title Company would take 48hrs to post the payment causing the payoff to post to Roundpoint Mortgage on XX/XX/XXXX. This in return caused the XX/XX/XXXX monthly payment to be reported as a 30 day late payment to Roundpoint Mortgage. The property that Roundpoint Mortgage was servicing was sold. I have contacted the creditor and explained the situation a number of times. I also sent the creditor the letter from the Titling Company showing that is was by no fault of me that the payment was paid on XX/XX/XXXX instead of XX/XX/XXXX. The creditor informed me that it was n't anything they could do about it because they have to report the date the payment posted regardless of what I have informed them. I was current with all my monthly payments due to the creditor the entire time that I had the loan which should further prove I was not trying to be late with any payments..
06/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 086XX	Web
Roundpoint Mortgage completed an escrow analysis on XXXX/XXXX/2017. After such analysis my monthly payment amount increased by over $ 250/month ; however there was no change to my escrowed items. The only escrow item is for property taxes which have actually decreased from the prior year. I have been calling Roundpoint Mortgage since midXXXX to no avail. I was told by a CSR that I was unable to dispute the new payment amount and that I needed to make the payment by XXXX XXXX, 2017 or I would be assessed a late fee. I have never been late on my mortgage and value a good credit rating so I made the payment on XXXX XXXX, 2017. Since that time I have contacted Roundpoint numerous times and spoken with ( 8 ) eight representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and continue to get mixed information. No one is capable of resolving my issue or providing me with an explanation for the increased payment. I have emailed proof of insurance coverage ( Flood, Hazard, Content ) to ensure these items were not escrowed.
06/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 983XX	Web	Servicemember
On XX/XX/2019 Roundpoint Mortgage took my {$820.00} mortgage payment out of my checking account ( recurring payment agreement ). On XX/XX/2019 Roundpoint AGAIN took the {$820.00} payment out of my checking account. I called on XX/XX/XXXX ( when I checked my bank account and saw what happened ) and asked for them to refund that extra payment ; the customer service person said they would issue a paper check and it would take a few weeks. I also sent an email that same day ( as directed ) BUT THEY NEVER RESPONDED! Two weeks later, I called customer service again and was told a check was issued and should arrive in 'a week or so '. On XX/XX/XXXX, after still no refund, I called customer service again and was told they would look into it. I requested a supervisor and was connected to " XXXX ''. He researched and said the payment was being applied to XXXX! No refund was ever issued or received - despite their claims. Why would a double payment in XXXX be applied to XXXX, and why did they lie about sending a refund?
05/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22204	Web
This is my third complaint against Roundpoint Mortgage Servicing Corporation for the same issue. Roundpoint continues to act as if they are servicing my mortgage, even though the previous CFPB complaints have resulted in them acknowledging that my mortgage was transferred to XXXX effective XXXX XXXX XXXX meaning that I never owed Roundpoint a single mortgage payment. Yet, today, I received a thick envelope from Roundpoint i n the mail ( reference XXXX ) claiming that I was behind on mortgage payments and recommending me for forclosure avoidance. In reality, I have been making my monthly payments regularly and on time to XXXX , my true mortgage servicer. It 's clear that Roundpoint 's internal processes are totally broken : I should not be receiving this harassment in the mail from them after three complaints. I highly recommend RoundPoint as a future company for CFPB examination activities, as it 's clear that they are having process failures resulting in illegal harassment of mortgage borro wers.
01/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 085XX	Web
Our home loan was transferred at the beginning of XXXX from XXXX XXXX to Roundpoint Mortgage. The initial payment to Roundpoint Mortgage went through successfully, and payment confirmation was received without any issues. Our second payment to Roundpoint Mortgage was made on XXXX. The second payment shows on their portal as " Pending '' but no payment confirmation number was received, and there is no way to edit this current payment in their portal. The only option that the portal allows is for an additional payment after the pending payment. A confirmation number should have been generated for the payment that was made on today 's date, and that pending payment and confirmation number should be displayed somewhere in Roundpoint 's portal, not just an option for an additional payment which is confusing, and would probably result in the average consumer making an additional payment for the same payment month since their portal does not indicate the payment, only a reference to a future payment several days later.
04/12/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 10710	Web
Due to Covid 19, I am unable to pay my mortgage. We do not have enough money coming in to cover the mortgage and maintain my family. I apply for a forbearance Plan however, this will compile four month of payment at the end of the forbearance Plan. I live in XXXX XXXX XXXX, according to the governor, XXXX XXXX, the three month will be added to the end of my long. This is not what Roundpoint is offering. I am afraid that in XXXX, I will not be able to pay over 10,000 in mortgage payments. This is what they are stating on there website, At this time, Investors and Insurers are providing temporary relief for those financially impacted by COVID-19 through temporary forbearance plans ( a suspension of your monthly payments ). We will update this page and notify our customers as the Investors and Insurers release additional relief programs. Click below to request a temporary COVID-19 Forbearance Plan. https : //www.rpmservicing.com/coronavirus Please help me resolve this issue and insure that my home is secure.
12/03/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30114	Web
The mortgage was transferred from XXXX XXXX to Roundpoint Mortgage effective XX/XX/2022. They provided several notices of the transfers and confirmed that ACH would auto-transfer to a new company and no action was needed. When the payment never was taken from the account I set up autopayment via Roundpoints website and received a confirmation that this was set up successfully. On XXXX they mailed a notice saying no payment was received. I contacted them today as I logged into the site header still says my loan transferred auto debt on the header. Yet I called today XXXX due to payment not coming out of the bank account again and advised that because I set up autopay that it canceled all payments. No notice of this was ever sent to me and if I wouldn't contact them per the statement received would have charged me additional fees if not paid by XXXX. High-level issues : - Providing false information to consumers - Notice that auto payment would be transferred - Late payments when transferred within 60 Days.
06/28/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	SD 57702	Web
I refinanced my home in XXXX 2016 with XXXX XXXX which paid off the old mtg. co. Round Point Servicing for XXXX XXXX XXXX. The old company in turn after closing has decided to continue paying random things and charging me, example homeowners ins and mtg ins, late fees and interest. When in fact they owe me as near as I can calculate {$890.00} escrow. They should not and are not authorized to do any of such as when they received the pay off all transactions on my behalf should have ceased. After 2 months of no answers & even hung up on me today. The mtg co is not returning my calls and the servicing corp hanging up. This is clearly going nowhere fast. I did receive an ins refund check & offered to pay premiums minus the escrow leaving me owing around XXXX not XXXX. They fail to provide proof of what is exactly happening and do n't seem to understand the severity of their wrongful actions. My understanding is that it is there problem to get a refund from the homeowners insurance as they never should have paid.
02/19/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02144	Web
Hello. Our mortgage was issues XXXX. The original purchase price was XXXX. XXXX our remaining balance was XXXX, which is 79 %. I submitted an application to remove PMI, because our LTV ratio based on the ORIGINAL purchase price was less than 80 %. The mortgage company is insisting we provide a list of significant upgrades, whoever this should not be necessary because of our LTV ratio. I have tried to explain this to them over email and phone multiple times but the people that handle the request do not have a phone number so the people I call can not help me. I have learned that our mortgage is backed by XXXX XXXX and through phone conversations they have told me that the XXXX XXXX servicing system does not render a property value ( which I dont understand but it seems to be the issue ) I have a right to verify that the current value is at least equal to the original value by a restricted appraisal or a BPO but the mortgage company need to order this appraisal or BPO and they are not willing to do this.
04/08/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MA 014XX	Web
Under the CARES Act signed into law recently, servicer 's of federally backed mortgages are required to allow a 180 day forbearance plan when requested by the borrower. No paperwork is required ( such as an assistance package ). You simply need to state that you are directly affected by the COVID-19 virus. In my case, my hours were reduced to 16 hours per week from 40 hours. Roundpoint is outright refusing to honor my request. At first they said they would only do 90 days. Then they said I had to fill out the full assistance package because I filed for bankruptcy chapter XXXX in XXXX of XXXX. It was discharged in XX/XX/2017. Roundpoint was included in the BK, but I kept the house and continued to make payments. There is no provision in the CARES Act that denies me the right to a 180 forbearance due to a chapter XXXX bankruptcy. I am requesting that they follow the law and grant me a 180 forbearance on my loan. In addition, I may ask for another 180 days under the law depending on my work situation.
05/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 631XX	Web
On XX/XX/XXXX, I noticed my homeowner 's insurance had not been paid by my escrow account at RoundPoint even though the insurance bill was due on XX/XX/XXXX. I called the company to remind them to pay the bill. A customer service agent said they would send it out the next day. Seeing it deducted from my escrow account on XX/XX/XXXX, I assumed it went out. Later the next week, I received a letter from RoundPoint stating I had no evidence of insurance and that I might be given another insurance policy at a higher price through them. I called to inquire and they said the letter was sent " in error. '' I've had the same insurance policy the entire time of the mortgage. There should be no confusion on when bills are due or where money is to be sent. On this last call, they said the check was sent out in a bulk check on the XX/XX/XXXX( not the XX/XX/XXXX that they originally said ). As of XX/XX/XXXX, the insurance company still has not received the check and my policy is being cancelled due to nonpayment.
01/09/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28269	Web
RoundPoint Mortgage Servicing has repeated " lost '' my home owners insurance policy each year. Each year I resolve this only to have it happen again. This has gone on for 3 years. They are employed by XXXX whom is known for taking on " high risk loans. '' RoundPoint is renown for missing payments, losing payments, losing escrow or insurance payments etc. It seems this would be an excellent way of XXXX companies working together to make predatory investments. By missing payments, losing payments, etc the homeowner would be forced into penalties and payments that they may not be able to make. In my case they clearly laid out their intentions by threatening to move my insurance to a company of their choosing at whatever rate it happened to be after RoundPoint deliberately lost my insurance policy for a 3rd year in a row. A policy that has been with the same company for 6 years and was able to be renewed for the 3 years with the prior loan servicer without any issues or intervention on my part.
12/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60613	Web
Roundpoint mortgage keeps incorrectly force placing flood insurance onto my mortgage. I have already submitted evidence of flood insurance to them several times via email, fax and have contacted them. I have evidence of all of those submissions that date all the way back to XX/XX/2016. My mortgage amount is normally {$940.00} but this month they increased my auto debit without my consent and without any communication to {$1200.00}. I contacted their customer service and it turns out to be an error on their part for never accurately updating their flood records. So unfortunately I am out {$260.00} until they can get this resolved which they told me they wouldnt be able to give me an update on it until XX/XX/2016. This is extremely deceptive practice and its similar to what i experienced with XXXX XXXX XXXX. They have no right to force place that insurance when i adequately and timely submitted evidence and they also violated my reg E for adjusting my ACH without my consent and notification.
09/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40047	Web
I called and asked procedure to have pmi removed previously, was told on the phone once its paid down to 80 % just call and request. When I called back to request was told I had to pay for a new appraisal. My home was appraised at XXXX when purchased I have paid balance to {$160000.00}. I sent a letter in writing stating I have reached the below 80 % range in addition sent copies of current XXXX which is now {$250000.00} and copy of current XXXX which shows {$260000.00} All payments have always been up to date, insurance kept up, taxes kept up my loan is eligible to have pmi removed and the mortgage company refuses to remove it unless I pay through them a {$600.00} appraisal fee. The property is well kept and worth well over the original purchase price. I have submitted proof and have requested pmi be removed in writing Its my understanding that is the process and the pmi should be automatically terminated but my mortgage company Roundpoint Mortgage Servicing Corporation refused to do so.
04/04/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32806	Web
A problem ultimately of Roundpoint 's making ( which I won't get into for the purposes here ), Roundpoint attempted an ACH on an account with insufficient funds. They told me that they would not charge me a late fee themselves, but they would pass along any late fee from the checking account holder ( XXXX XXXX Roundpoint has assessed a {$20.00} fee against me, claiming that XXXX has charged them for the ACH bouncing. I called XXXX, and they told me that they did not charge Roundpoint over this matter ( or any matter ). They also confirmed the ACH third-party did not charge them either. I asked for documentation on this matter, and the best they could offer is the general policy info. Thankfully, it is very clear : On page 1 of the attachment, under the bolded section header " Elimination of Return Deposited Items Fee '' it states : " Were no longer charging a Return Deposited Items fee. '' So, either XXXX is lying or Roundpoint is. Frankly, it seems clear to me that it is Roundpoint.
01/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55104	Web
Roundpoint mortgage company requires that its customers complete a insurance claim packet including legally binding affidavits in order to release insurance claim funds. I have submitted an insurance claim disbursement check to the company and I am awaiting the return of the check or disbursement of the funds. Roundpoint insists that they can not release the check without a signed affidavit, but this is not a requirement of the mortgage note they agreed to service - a standard Minnesota mortgage note via XXXX XXXX. I have contacted both customer service and the consumer ombudsman at Roundpoint and they have not been willing to discuss the issue or reconsider the affidavit. Since I do not have a choice in who services my mortgage, Roundpoint is effectively forcing me to enter into a legal agreement with them since I can not afford to repair my home without the insurance claim funds. This is not acceptable and I expect Roundpoint to release the funds without a signed affidavit.
09/18/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC 27858	Web
I am a home owner in North Carolina and my rights to privacy have been broken by RoundPoint Mortgage service. They called my place of employment and gave out my mortgage payment information to my co-worker which is a direct violation of the law. They have also been reporting to the credit bureaus inaccurately that I am behind on which I never have been. I have sent them documentation to prove then wrong and they refuse to make the correct changes to my report. I have never in 15 years of owning a home been late on my mortgage and now that I have been dealing with RoundPoint Mortgage the past year, they have gravely embarrassed me by giving out my private information and continue to report to all XXXX credit bureaus inaccurately. I have tried countless times to speak with management their but they refuse to contact me back. Only until XX/XX/2016 I contacted XXXX who owns the rights to my mortgage did they finally say they would handle the situation. I do not believe they will.
06/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77316	Web
My current mortgage is with Roundpoint Mortgage. Recently I lost my job and contacted them to find out what options I had, or what they could assist with to prevent me from defaulting on my loan. I was told to fill out " Hardship '' application and provide all documentation and then it would be a 30 day review. It has been over two months, and RoundPoint Mortgage ca n't seem to keep track of my paperwork. Every three weeks something is missing ( even though it was previously submitted ) or now.. some paperwork is starting to expire because they have sat on it so long. It takes then over a week just to process your paperwork from an email attachment into their system. They refuse to let you speak with managers and supervisors. I have called day after day after day, we did have a manager call us back once at XXXX when we called him back at XXXX he was gone for the day. Really helpful. RoundPoint mortgage has terrible customer service and is negligent in their customer service.
09/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28409	Web
RoundPoint Mortgage added force placed Flood Insurance Coverage that was backdated nearly 18 months, leaving a premium due of nearly {$4000.00}. After 7 months, this issue was resolved with RoundPoint reimbursing the Flood Policy Premiums, however I still wanted the NCCOB to be aware of this issue. According to documents, RoundPoint was notified by XXXX in 2018 of a change to our Flood Zone. The County Flood Plain Manager says that there was no change and we have documents to prove that. However, we did move forward with a LOMA application to formally have the home removed from the Flood Zone. After that, RoundPoint removed all of the force placed coverage and premiums. However, I have spent 7 months and over a thousand dollars fighting this issue. RoundPoint is well within their rights to force place flood coverage when appropriate, however the federal law indicates that force placed coverage must be within a 'reasonable time '. I don't find 18 months to be 'reasonable '.
12/14/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 700XX	Web
My property located at XXXX XXXX XXXX in XXXX, LA was catastrophically damaged by Hurricane Ida. My insurance company has assessed the damaged at {$96000.00}. The funds dispersed total {$88000.00} ( total damage less {$7700.00} in recoverable depreciation ). The loan balance is {$51000.00}. I was issued an insurance claim packet, which I successful filled out to completion. I have since been asked to provide additional estimates from my contractor, which is in excess of the requirements spelled out in the insurance packet. It is now 76 days since Hurricane Ida made landfall, and I have yet to receive any money for repairs on the property. Roundpoint continues to put up road blocks, find excuses, and delay issuing funds required to repair my property. Furthermore, Roundpoint is retaining funds that exceed the balance of the mortgage by {$39000.00}. I was told on XX/XX/21 that funds in the amount of $ XXXX have been dispersed, however, I have yet to receive them.
02/28/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	NM 87124	Web	Older American
Mortgage changed from XXXX to Roundpoint. Notified after XX/XX/XXXX payment cleared my bank on XX/XX/XXXX, have copy of statement. Now Roundpoint is claiming that I owe them an additional payment. They requested that I contact XXXX for payment history, zip file emailed to them last week, have copy. They are dysfunctional. Am now beginning to copy my attorney XXXX XXXX, XXXX NV on emails. Since XX/XX/XXXX, I have been unable to live in a condo I purchased, because the seller didn't disclose previous water damage and there was mold. After I was displaced there were four additional flooding incidents and I have been paying for both rent/lease and mortgage on a condo I'm unable to live in. There is currently a claim in mediation with the XXXX XXXXXXXX XXXX XXXX and an open trouble ticket with the NV XXXXXXXX regarding deceptive practices in the real estate industry, and individuals licensed with the State of Nevada. They are holding my FICO score and credit rating XXXX.
04/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07304	Web
This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that.
06/30/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	SC 29461	Web
I have a FEMA approved flood policy in place. Roundpoint Mortgage knows that as a consumer I can not purchase retroactive flood insurance. I have tried. The waiting period for and flood policy is 30 days. So roundpoint has now notified me that they are purchasing Private flood insurance for {$680.00} for the beginning of the months for which I did not have coverage which will further increase my mortgage payment higher than the {$310.00} they have already increased after they purchased an entire year policy for which they attached the month of XXXX after notifying allegedly in XX/XX/2019 that I was in a flood zone. Buyer beware and check your statements every month and make sure you know if you are in a flood zone each year to prevent this from happening to you. So in a matter of months you won't be dealing with almost {$3000.00} of an escrow shortage and being taken advantage of by mortgage companies that can buy private flood insurance for whatever dates they want.
04/01/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77571	Web
What good is this portal, if you accept a company 's response, even though answer was FULL of mis-truths, but you accept it & close the claim? I filed complaint # XXXX, which was closed as soon as the company responded. I had to edit original complaint MANY times, due to website 's character limits.There were MANY facts omitted, I thought more info would be requested later.Appears to be total waste of time. I overpaid my mortgage for 2 months by over {$300.00}. but I managed, did homework to get it fixed, but many errors were made by company in process. They opened 2 help tickets on XX/XX/XXXX-one to update taxes, other to re-analyse, was told would get new analyses 7-10 days later. When called on XX/XX/XXXX, ticket to re-analyse was closed on XXXX, because taxes were not updated. Verified by phone, prior to XXXX insurance payment being sent, new declarations page had been received-payment amount info had not been updated. Why are you here, if not to help consumers?
09/20/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 75035	Web
Roundpoint Loan Number XXXX I suffered hail damage on my home in midXX/XX/XXXX 2016. Submitted a claim to XXXX my home insurance company during the first week of XXXX 2016. XXXX issued payments for the same during the last week of XXXX 2016. Around XXXX XXXX, 2016 we fedexed to Roundpoint the XXXX checks and other paperwork as requested by Roundpoint for a disbursement from them to us. Since XXXX XXXX, Roundpoint has not contacted us even once regards disbursal of insurance proceeds. We have spent more than 5 hours on the phone with various Roundpoint reps and have got a variety of excuses but till date we do not have from Roundpoint any funds. We 've signed a contract with a roofing company and can not get our roof repaired due to Roundpoint not sending us our insurance proceeds. Initially Roundpoint pointed out a {$700.00} discrepancy in the paperwork which we addressed. The discrepancy is now down to {$63.00} and Roundpoint still refuses to issue payment to us.
06/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91362	Web
Follow up on complaint XXXX. I received a call today Roundpoint regarding the extra payment I had made to them.The call was regarding the complaint that I had filed with CFPB. I have not heard back from them regarding numerous calls that I had made prior to filing a complaint. The representative informed me that they had received my complaint and were going to start an investigation. She asked me to submit a copy of the cashed check. She was oblivious to my prior communication with Roundpoint and the documentation that I had submitted with my CFPB complaint. A month later, I have not received a adequate response from Roundpoint and they claim they did not receive a payment when I have a copy of the cashed check from my bank. CFPB, thank you for your help and support. I am frustrated beyond my " boiling point ''. If my case can be used as an example to save others from issues with Roundpoint, please share my story with the community. thank you kindly, XXXX XXXX
07/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 61821	Web
I received my tax bill from the county and found that I was paying double the tax I was assessed. I called ROUNDPOINT Mortgaging Servicing Corporation and I was told that I am going to receive a check for {$1900.00} and that my mortgage payment would decrease from {$1000.00} to {$900.00} ( and change ). I was also told that it would be sent through the mail to my personal address by the XXXX of XXXX. This call was made around the XXXX. I received a call a few days later and the representative on the phone told me that I would be receiving {$1300.00} ( I don't have the exact amount ) and they didn't say anything further about my decreased mortgage payment. I received another call from them saying that my refund would be {$800.00} ( I don't have the exact amount but it was XXXX dollars and something ). They indicated to me, at the beginning of each call, that the call would be recorded. The information I have provided should be available on their recorded line.
05/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Older American
XX/XX/2023 I made two payments to RoundPoint Mortgage Servicing because Auto Pay was grayed out and the online billing statement gave incorrect date so I sent a second payment in to make sure my mortgage payment was not late. XXXX has not applied the 2nd payment in the amount of {$640.00} to the principal balance but instead lists it as " Suspense Balance '' with a gray bubble note " The amount of unapplied payments that the system places in suspense pending research to determine what portion goes to principal, interest, late charge, escrow, insurance, or other payment elements. '' None of the gray bubble notations apply to my mortgage payment. I can not get a hold of anyone by phone, email, or text at RoundPoint ; nor do they respond to XXXX, XXXX, etc. I DEMAND, REQUIRE IMMEDIATE ACTION THE 2ND PAYMENT MADE IN XX/XX/2023 BE APPLIED IMMEDIATELY TO THE XX/XX/2023 PRINCIPAL BALANCE. IMMEDIATELY ADJUSTEMENTS BE MADE TO MY MORTGAGE BALANCE AND ACCOUNT.
04/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92831	Web	Older American
In XXXX of 2021 my XXXX home mortgage was purchased by RoundPoint Mortgage. I am now dealing with a lender that I did not choose. It is apparently RoundPoint 's normal procedure to issue loan statements on the 2nd of the month. Therefore, any payments logged in after the 2nd of the month will not be reported in the statement. Since the statements do not consider the current month payment they then report the payment distribution ( principal, interest & impound payments ) for the previous month. Also, since the current month payment is not considered the principal balance is not correct and the amount due for the next month payment is for 2 months or double the regular payment. Even though the statement is correct as of the 2nd of the month it is incorrect for the up coming month payment. I have tried twice, once in early XXXX and once on XX/XX/XXXX, to get RoundPoint to issue my loan statements during the third week of the month with no success.
03/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 923XX	Web
On XX/XX/2021 I received an updated mortgage billing statement that showed that RoundPoint had increased my monthly payment from {$880.00} to XXXX. It also showed that they disbursed {$850.00} in hazard insurance on XX/XX/2021. The problem with that is that my total for mortgage insurance for 2021/2022 year is {$420.00} PER MY INSURANCE XXXX PAGE. They paid out over twice the amount they should have to the insurance company and justified the raise in my monthly rate because there was a shortfall in the escrow account ; a shortfall caused by their over disbursement. This is the SECOND year in a row they have paid the incorrect amount and then raised my monthly payment. I can't help but feel, as a single older female, that I am being deliberately discriminated against. On top of that as of today, XX/XX/2021 the policy is officially lapsed because my insurer has not received their payment. Again, this is the second year in a row this has happened.
01/17/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 660XX	Web	Servicemember
We purchased a home through XXXX in 2015. We never missed or was late with payments. We later learned they transferred the mortgage to Roundpoint Mortgage Servicing. Again, we have never missed or been late with payments. If this is a " mortgage servicing '' company, do they own the mortgage or are they servicing it for XXXX. Neither will answer this question. The problem is Roundpoint is rude and difficult to deal with. They charge {$10.00} fee for using the automated system, which is absurd, but we used it once to make sure we were not late with the payment. Now they have sent us a threatening letter saying they will our bank information anytime they wish. I have explained to them we are calling our bank and blocking them from charging our account any further as they have they payment and {$10.00} fee. I only authorized a one time fee but they seem to think they can take whatever money they want. Most important - who owns the Mortgage?
08/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75229	Web
I spoke to Roundpoint Mortgage Service about the procedure for making a principal curtailment payment and recasting my mortgage in XXXX 2015. I was told that I should submit my regular monthly payment, then a curtailment payment, then send a request to the servicing help email address requesting a recast. I was informed the processing would occur within XXXX days and that I would be contacted for any further information and given documentation with new loan terms to accept. I submitted a curtailment payment of {$44000.00} on XXXX XXXX. Despite numerous phone conversations and emails, Roundpoint has not to my knowledge taken any steps to complete the recast of the mortgage, including informing me of any further information needed to complete the recast as explained to me prior to making the curtailment payment ( I opted to pursue a recast instead of refinancing the property based on the representations of the Roundpoint representatives ).
02/11/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30135	Web
Roundpoint mortgage sent me a check. I called they said keep it. Later they wanted it back. I agreed to repay monthly over 5 years even though I shouldn't have had to. I have done what I said, never missed a payment in 7 years. They have charged me almost 300.00 a month in fees and when I confronted them about it they sold my mortgage to XXXX XXXX. So now I have a XXXX deficit in my Escrow because they applied the repayment of the check the wrongfully sent me to fees we never discussed. This was their fault. They have been fraudulently servicing my mortgage for a long time. I believe they did all of this on purpose to be able to charge me a bunch of fees. I have around 100,000 dollars in equity in my house and I'm sure they would love to forclose on it since I only owe XXXX. I am on a fixed income, I have kids with XXXX and I believe they prey on people like me. I can't imagine all the other people they are taking advantage of.
01/27/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37343	Web
I have an ongoing dispute with RoundPoint Mortgage Servicing Corporation XXXX. XXXX, NC XXXX https : //www.rpmservicing.com/ Phone XXXX RoundPoint XXXX up my escrow account and trying to make me pay extra {$500.00} per month ( they included our property taxes in the escrow account while based on the closing agreement we pay them on our own ). I called company at least 4 times to resolve this issue and at this point I 've been told a million things by their various employees claiming everything from " I do n't have to pay until receive a new escrow statement analysis and new invoice and your late fees will be waived " to ' you have to pay full amount anyway '' Recently I 've got a new escrow analysis statement, but they again XXXX it up made it effective just XX/XX/2017 and I 've got a new invoice with wrong amounts for two month now and a late fees. Could you please help me in this matter, your help will be highly appreciated.
04/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 81501	Web
Round Point Mortgage XXXX NC XXXX I have mortgage with them escrow account also. My Flood insurance was not sent to the right address for XXXX in XXXX, the check they made out was the incorrect amount also and it is lost and they have not corrected issue and put money BACK in my escrow account I made the payment to fema and have doc. to prove which was faxed to them by fema. amount owed to my escrow account is XXXX the check they made is # XXXX. My homeowners was sent to the wrong address also and it still has not been received to XXXX XXXX amount XXXX. from my escrow acct. I am going to XXXX XXXX today to pay XXXX so it is not cancelled. I have called Round Point customer service almost daily to get resolved they have not as of today fixed this issue. I would like to get answers on this. I am refi-ing to get away from them and do not want to lose over 1500. in escrow due to their negligent behavior thank you XXXX XXXX
02/08/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 631XX	Web
On XX/XX/XXXX, I asked my mortgage company ( RoundPoint Mortgage ) not to send a real estate tax check to the city of XXXX XXXX because I had already paid it. On XX/XX/XXXX, they acknowledged this and said my request was being processed and they would contact me if any additional information was needed. They never contacted me ( indicating they did n't need additional information. On XX/XX/XXXX, they sent a real estate tax check of {$4300.00} to the city of XXXX XXXX instead of following the acknowledged request not to do so. On XX/XX/XXXX, I filed a complaint through their online message system. On XX/XX/XXXX, they acknowledged receipt of the message and said they would forward it to the appropriate department. It has been 30 days since my complaint and my money is still missing ( not in my escrow account ). No other communication from RoundPoint has been made other than the email acknowledging my complaint on XX/XX/XXXX.
11/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85338	Web
I followed the procedures to have my PMI removed on XXXX/XXXX/XXXX from my mortgage payment and I meet the qualifications set up by Roundpoint Mortgage. My XXXX is at XXXX XXXX after a recent appraisal which is better than the XXXX XXXX requirement and I have made several calls to Roundpoint Mortgage regarding this because they initially called and lied to me using an incorrect calculation for XXXX. They said that I did not qualify to remove the PMI and the person I spoke to had no idea what they were talking about regarding the XXXX calculation or an understanding about mortgage insurance. After several calls I finally reached someone that understood how to calculate XXXX and they agreed with me that I meet the qualifications, yet I have not been able to speak with a supervisor and associates I speak with also will not transfer me to the mortgage insurance department. I explained that I would be reporting them for fraud.
08/23/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29485	Web
We received an escrow analysis showing our payment was going up significantly. The taxes were wrong. Our local tax office updated everything to show a considerably less estimate of taxes due and we faxed to Roundpoint per their request five weeks ago. We were told it would take XXXX10 business days to receive an updated analysis and have our payments on track. It has been three weeks since this update would have been " due ''. We have spent countless afternoons on the phone with Roundpoint 's customer service trying to figure out what is going on and every time we are transferred to a new person or they keep us on hold for a very long time forcing us to give up. This last call the customer service rep laughed at me because I told her I 'm tired of waisting so much of my life on this and they told us it would be completed three weeks ago. We are a family of XXXX and can not afford the payment they calculated that is WRONG.
04/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07719	Web
I had a 30 fixed mortgage serviced through Roundpoint Mortgage Servicing Corporation located at XXXX XXXX XXXX, XXXX, NC XXXX. The loan number was XXXX. They transferred my loan to XXXX XXXX XXXX on XX/XX/XXXX. I had been paying two months in advance, and my loan was up to date as of XX/XX/XXXX. I contacted Roundpoint at ( XXXX ) XXXX on XX/XX/XXXX asnd they confirned that I was paid up to XX/XX/XXXX. I received my welcome package from XXXX, and they said that I was showing that was paid to XX/XX/XXXX, and that I had to send in my Payment for XX/XX/XXXX. I contacted Roundpoint and spoke to XXXX in their XXXX service center on XX/XX/XXXX and he said that they would do an investigation and send my a payment history that would take about a week to get to me in the mail. It is XX/XX/XXXX and I have not received it. I would like to know what happend to my two month of advance payments that were just over {$990.00} each.
11/27/2017	Yes	Mortgage VA mortgage	Trouble during payment process	TX 76028	Web	Servicemember
In XX/XX/XXXX I was called by Round Point asking if I wanted to refinance my home. I was paying {$1200.00} a month and they said they could drop my payments to {$1100.00}. I was skeptical about it and asked several questions assured my payments would be lower. In XX/XX/XXXX I was called saying that I still owed {$500.00}. When I asked they said they had sent a letter telling me that they had miscalculated my Escrow and I have to pay {$1500.00} a month for a year, then my payments will be {$1300.00} after that. I recently lost my job and almost at the end of living off of my retirement I cashed in. I will likely lose my house and the 50 % custody I have of my children. I would never have refinanced if I had n't been sold on lower payments. They miscalculated when they created the loan? Someone only cared about their commission and XXXX the numbers. This is a VA loan. I hope other veterans are not treated the same.
04/07/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 294XX	Web
The mortgage company, Roundpoint ( Loan Number XXXX XXXX, has failed to pay for the insurance fire policy that they are holding escrow funds for. This started on XX/XX/XXXX when my insurance agent, XXXX XXXX ( XXXX ) sent the invoice for payment. XXXX XXXX had the wrong loan number on the invoice. This was corrected by XXXX XXXX on XX/XX/XXXX. Roundpoint then mailed the payment to the wrong company. They were informed of this on XX/XX/XXXX. XXXX XXXX contacted Roundpoint on XX/XX/XXXX and they were told a check was being overnight-ed for payment. Roundpoint also acknowledged that they sent the check to the wrong agency in error. XXXX XXXX and XXXX XXXX contacted Roundpoint on XX/XX/XXXX. Roundpoint was told payment was due today and they needed to wire funds. They refused to wire funds. It has been over a month trying to get the funds that do not even belong to Roundpoint to the insurance company.
03/16/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 75010	Web
On XX/XX/XXXX I paid the first payment of my new mortgage on line. I then set up for auto pay and they immediately deducted the second payment on XX/XX/XXXX. When I realized what had happened I called Roundpoint Mortgage Services Corp. on Monday XX/XX/XXXX and spoke to someone in customer service who said that the credit will be applied to my account in a day or two. Today, XX/XX/XXXX I called and was told that it had to be processed and a check would be sent out on XX/XX/XXXX. I explained that this would not be sufficient as I had already waited several days. I was put on hold twice for 20 minutes waiting for a manager that never appeared so I finally hung up. I called back again and got another story and the check is still not going out and I will still have to wait for it. I again was put on hold for a manager. After 15 minutes I was told a manager would call me back. customer service is in the Philippines.
03/23/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 77095	Web	Servicemember
I called my Mortgage Company XX/XX/XXXX. I stated that they had increased my monthly payments because of an escrow shortage XX/XX/XXXX, and they had told me at the time that once they made up for the shortage, my payments would return to my previous amount. They had not changed, so I asked them to please investigate and let me know when that would be fixed. I called again in XX/XX/XXXX, because I had not received any communication from then. I was told someone would get back to me. Then, in XX/XX/XXXX I received a letter stating that there was " another shortage '' in my escrow account, and they would be increasing my payments again! Each time this has happened, it has been right after I called to complain about something. The first time, I requested a full disclosure of my escrow account, and the amounts in it. I feel like I am being retaliated against for requesting information that I am legally entitled to.
04/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Older American
My loan was transferred to RoundPoint Mortgage Servicing on XXXX 2023. I signed up for autopay using my bank checking account. RoundPoint payment system was supposed to deduct ( via autopay ) my mortgage ( {$540.00} ) on XX/XX/XXXX. Instead, the computer system indicated my mortgage was due XX/XX/XXXX and the payment due XX/XX/XXXX. If this is the case, my mortgage would be late. I tried to turn off auto pay. there is no way to do so. I " scheduled '' a payment ( apparently their computer system does not automatically deduct payments ) at XXXX AM XX/XX/2023 when I realized my mortgage payment was not paid. There is no way to contact anyone during working hours. I have tried everything in the past. I require a human with RoundPoint computer expertise to contact me by telephone to help me navigate their online payment program. Screen shots attached ( I've learned the hard way to always take screen shots ).
11/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29644	Web
We were unable to get our payoff amounts from RoundPoint Mortgage in a timely manner. We tried multiple days to get this information. As such we paid enough to cover paying off the principal. We later received the payoff and were {$0.00} short in interest and a {$5.00} recording fee. The paperwork states that a shortage will be considered as instruction to use the escrow to cover the shortage and close out the loan. When I checked the funds were not even applied to our principal so we are accruing interest on a balance while there is more than enough of our money to cover it. I called and was told that they could not apply the funds because it was not the exact payoff amount, even though their own paperwork says otherwise. Was told over the phone there was no one who could fix this even though they have {$1800.00} and {$2500.00} in escrow funds. This is unethical, and against their own published paperwork.
06/15/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX XXXXX	Web	Servicemember
XXXX XXXX and XXXXXXXX XXXX sold XXXXXXXX XXXX fraud, corrupted and scandal VA Loan to Round Point to collect and foreclose my home. In which on XX/XX/XXXX till present VA Loan is a fraud in which XXXX XXXX was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. First Round Point investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like Round Point. If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. XXXX XXXX, XXXX homes builders, XXXX XXXXXXXX XXXX and now new Va lender Round Point Mortgage are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.
03/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 45431	Web
I have a loan that is serviced by roundpoint mortgage. On XX/XX/XXXX my wife received a call from our insurance agent stating that our loan servicer had not paid our insurance premium, even though it was being escrowed. I immediately called roundpoint. I spent almost 1 hour on hold. The lady I spoke with said they had not received a bill and she would call my insurance agent. I was placed on hold and when she returned she said it had been worked out. On XX/XX/XXXX I received a letter from roundpoint stating that my insurance had expired and I was required to prove I had it or they would buy insurance for me at a higher rate. I looked at my account online and it showed no payment being applied to my insurance, even though it showed my insurance company and due date on the escrow portion of the account page. I again called roundpoint. As I type this, I have been on hold for over 1 hour and 45 minutes.
11/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75089	Web
I was sent a tax bill and I ask RoundPoint mortgage to redo my escrow analysis XX/XX/2016 due to a decrease in taxes from a Homestead Exemption. They kept calling me and telling my mortgage payment was late for 4 months. They sent me a escrow analysis that was redone with a new payment amount due XX/XX/XXXX, that was still incorrect. I paid the money because I did not want them to negatively impact my credit score. I now get my new tax bill and its is less than half of what they are trying to make me pay for escrow. They kept telling me that they could not get in touch with the XXXX County Tax department in Texas. I also ask to speak to a supervisor 8 times between XX/XX/XXXX and XX/XX/XXXX and a supervisor was never available or ever called me back. I paid them over {$9000.00}, when my tax bill was only {$4600.00}. They have double charged me on my taxes and I want my money back immediately.
06/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11554	Web
I obtained an FHA mortgage in XXXX through XXXX Bank. who then sold it to XXXX XXXX XXXX. While my loan was with XXXX XXXX XXXX as the Lender and Servicer, I became unemployed, XXXX and unable to keep up with payments. I applied for a Loan Modification back in XXXX. Went back and forth for over a year. Then suddenly there was a new servicer, Roundpoint. They told me that I no longer had an FHA mortgage, it is now Conventional. I was never made aware of the change. During this change, I was in the process of applying for the Making Home Affordable program. I was recently told that I am not eligible for any Government programs because my loan is now owned by a Private Investor. " XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX XXXX Roundpoint finally approved me for a modification but my monthly payments went UP. Now I reallly ca n't make payments and I 'm afraid I 'm going to lose my home. PLEASE HELP
07/25/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55106	Web
In the first quarter of 2019 I made a large payment by check to Roundpoint mortgage. My mortgage is {$680.00}. The payment I made was for over {$3000.00}. When I sent it in I checked the box to apply the over payment to my principle. After receiving my next payment coupon I noticed that they did not do that. They applied my over payment to my next months payment and to escrow. I called to change it and was told that because I sent it in as a check instead of paying it on line they can not guarantee that the money will be applied as I wish. It is the second time that this has happened with this mortgage company and both times I called in to get it corrected. I am figuring they are grabbing extra interest from me and putting my money ( and possibly others ) into another pot to make money on that. No where on the coupon does it tell me that my over payment will not be applied as I wish.
02/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 217XX	Web
On XX/XX/XXXX we originated our mortgage with XXXX XXXX XXXX and used their finance company and insurance provider. Shortly after closing we switched from their insurance company to our own, XXXX and noted the loss payee as we signed at closing. The loan was transferred to RPM servicing sometime in XX/XX/XXXX. Although we have submitted our insurance 3 times now ( twice through their insurance site XXXX ) and once direct from our agent, they still had the nerve to charge us {$2900.00} for forced place insurance on XX/XX/XXXX. This is no accident. These people are incompetent and I will not stand for their forced place insurance when we have valid insurance from XXXX on our own. Attempts to reach by phone are pointless as you go through a phone tree and never get to speak to a person. Page 5 of the attached policy will show the policy is legitimate and valid and properly assigned.
06/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33071	Web
This complement is for : RoundPoint Mortgage Servicing XXXX XXXX XXXX XXXX , NC XXXX My loan : XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX Hi, My name is XXXX XXXX , RoundPooint gave me a XXXX % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in 2014 XXXX . Loan # XXXX property address is XXXX XXXX XXXX XXXX , XXXX XXXX XXXX . Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the Recording with XXXX county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke XXXX refused to fix my credit with XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale. I am not getting my issue solved by my self.
10/14/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33137	Web
On XXXX My financial advisor and myself contacted XXXX XXXX XXXX concerning account # XXXX. We spoke to a XXXX XXXX at Ext. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XXXX.
02/18/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	UT 84081	Web
Dear CFPB, I have been working on selling my home as a short sale since XXXX of XXXX. Roundpoint needed to get a lien released for {$5500.00} that we couldn't pay for so it was initially closed. My real estate agent then was able to resubmit the paperwork and we were able to get into a short sale again. The bank needed that lien released for {$5500.00} and we had to borrow money to get this lien released. We were told that the file was complete various times. And now the short sale is closed and we have a foreclosure sale date for XX/XX/XXXX. We are asking the consumer finance protection bureau to investigate the Roundpoint mortgage services Short sale review practices. We were ready to close on the week of XX/XX/XXXX and now they are denying the short sale. I am worse off now than I was before, I'm more in debt and would like to avoid at all costs having a foreclosure on my credit.
01/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98375	Web
We pay biweekly. The last auto draft they took out was on XX/XX/XXXX. We confirmed with our bank ( XXXX ) that the mortgage company never tried to draft after that. Called mortgage on XX/XX/XXXX to ask them why this happened. They couldn't answer us and opened a trouble ticket to call us back by XX/XX/XXXX. We paid the outstanding balance online manually. XX/XX/XXXX -they did NOT call us back XX/XX/XXXX we called mortgage and spoke with XXXX XXXX He made us pay {$110.00} ( not sure why ) and said this would make us whole again for our biweekly. He said he set it up to pay XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX we called mortgage and asked why payment for XX/XX/XXXX didn't post and they said " it can take awhile '' XX/XX/XXXX called mortgage company and they said they still don't know why the payment won't post and their " HCA dept '' will have to call us because they don't know.
07/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 454XX	Web
In XX/XX/XXXX Roundpoint lending raised my mortgage by {$200.00}, without notice. Upon contacting them they said my local taxes had increased. After contacting my county treasurer I realized they had made an error in the calculation. After notifying Roundpoint it took 4 months for my payment to be lowered back to what it should have been. At the end of XX/XX/XXXX ( I was out of town and didn't receive the letter until early XXXX ) I received a letter from my insurance company stating that my insurance had been canceled because of non-payment. I contact Roundpoint and they said I didn't have an escrow account. I have spent 4+ hours on the phone with them, but they still won't reinstate my escrow account with taxes and insurance and can't explain what happened. When I call the call is dropped or I'm put on hold for hours. Also all the direct lines I have been given no long work.
08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 480XX	Web
We have a very low interest rate. Our mortgage company is changing our rate when we have a fixed rate. They are telling us we are behind in payments and we owe money when we are not. Every 6 months they tell us that we owe XXXX dollars and threaten to foreclose. We have thousands of dollars left in escrow and it just seems to disappear. We have hired lawyers before and they settle with our house company and say we are caught up, and we end up having to pay XXXX dollars for our lawyer. 6 months later they start doing the same thing again. At this point we are seeking any help on the unfair practice that they are giving us. They are just trying to get us out of our mortgage because of our low interest rate. The reason they had to take such a low interest rate was because we were part of the XXXX ordeal, when they went out of business. We would appreciate any help you could give us.
09/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33196	Web
my mortgage servicing company is roundpoint mortgage servicing corp. I have this company since the purchase in XXXX the company offers 2 major ways to pay mortgage through mail and online. in my case I use the two methods, no preference at all. my complaint is that this company has a very lousy management team, when you make your payment through mail the payment does not get reflected online and creates confusion for the customer, for example right now I am due for my next payment, I have in my check book that I already made my XXXX payment by mail and still the website reflects that it is due on XXXX / XXXX. I have called them already 2 because of this problem and also have written numerous emails to their staff talking about this problem, I am really sorry but in my opinion they are not paying attention to customer service and somebody has to step in and get things straight.
01/31/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 017XX	Web
My mortgage company, Roundpoint, increased my monthly payment due by about {$500.00} based on wrong property tax projection for the town of XXXX. They paid wrong amount to the town XX/XX/2016 and got refund XX/XX/XXXX from the town. Their escrow analysis for this year is based on the wrong amount they got refunded XX/XX/2016. Since I get tied of the mistakes they have made and overcharging for my escrow account, I requested the removal of my escrow account. They denied my request without justification. they stated that the loan to value ratio is greater that XXXX % but it is actually less than XXXX %. They also claimed that I have PMI, but currently there 's no PMI on my loan and I have not paid PMI out of my pocket. Customer service has not been able to answer to any of my inquiries and they don ; t allow me to talk to anyone who could answer to my questions and request.
11/10/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92069	Web
my mortgage was transferred over from XXXX BANK to ROUNDPOINT MORTGAGE as of XX/XX/XXXX, in the interim I've NOT been able to get 100 % clear answers or help in rolling forward application of my loan forbearance status from XXXX BANK to ROUNDPOINT MORTGAGE. my initial welcome letter ensured me that all loan documents would be transferred over in a timely manner within the 60 days loan transfer period " grace period '', this has NOT occurred yet related to my mortgage loan forbearance status and ROUNDPOINT MORTGAGE isn't providing me with " single point of contact '' info either to remedy. plus ( to assist ROUNDPOINT MORTGAGE ) in expediting my request, I emailed their " service help '' department the attached letters ( back in XXXX XXXX ) from XXXX BANK showing that my mortgage loan # XXXX ( or # XXXX with ROUNDPOINT MORTGAGE ) forbearance was extended to XX/XX/XXXX.
04/23/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	TX XXXXX	Web
On XX/XX/ Roundpoiint mortgage sent me a Mortgage billing statement that stated I had " Past Due Payment '' in the amount of {$2900.00}. The payment was in fact not past due and Roundpoint had according to the terms of my loan had an automatic payment established for XXXX. The amount was removed from my account and was never late according to the terms of my mortgage. Roundpoint took over servicing my mortgage on XXXX. I have attempted to call Roundpoint and even after listening to a 3.5 minute recording there is no option to speak to anyone. The only options provided are " get you loan number, make a payment, hear this message again ''. If they are reporting this as late then it will materially impact me. In addition, sending late notices and threatening statements when the mortgage is and ALWAYS has been in good standing and having no way to speak to them is wrong.
05/16/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77385	Web
Myself and my current mortgage company have been trying to get Roundpoint Mortgage to fix a lien that they have on my property since XXXX. We have been calling and sending emails since the XXXX of XXXX. We were told XX/XX/XXXX was the date the lien was going to be filed to HUD but that didn't happen. The lien still has not been filed. We have over 20 emails between the two of us and over 30 phone calls documented. Even requested a phone call with the " President '' which never happened. XX/XX/XXXX was told someone would call me from customer advocate department on the XXXX. Was hung up on XX/XX/XXXX while being " transferred '' to the advocate with still no help. I called back and was told a customer advocate would call me within 24hours which has been their statement everything I call. All of this to get a lien filled correctly or released that was their mistake.
03/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22312	Web
Round Point Mortgage has not been forth coming with information about processing my loan payments is giving me the run around about setting up a bi weekly payment. History : - Mortgage was sold to Round Point from XXXX XXXX - I immediately tried to setup a bi weekly process and filled out the proper form provided. But then was told it was not setup because it the date was wrong. - On XXXX ( ish ) I was called by Round Point to verify and correct the date, I was not aware of a correction that was needed till then. I corrected this over the phone and my bi weekly payments were supposed to start on XX/XX/2021. - I called Round Point today to verify that everything was setup to find it was not even thought it was supposed to from over 3 weeks ago. - I went to their escalation team and was told I would have an email verification of the resolution and now nothing.
12/02/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30294	Web	Older American
Dear Sir and/or Madame : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help with the following : I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX. - accounting, letter of transfer XXXX - accounting Roundpoint Mortgage Servicing Corporation - accounting
10/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80915	Web	Older American, Servicemember
Hail storm of XX/XX/2018. XXXX issued check for {$21000.00} on XX/XX/2018. payable to me and Round Point. We endorsed said check and sent to Round Point. I was need in funds to replace my roof and to do the rest of the repairs. Forms notarized and sent in. Round Point says one is not legible and sets everything aside. Two weeks go by. Call on the phone, Forever on hold. Given apology. Resubmitted said document. Finally, Round Point has agreed to release some of the funds ( today is XXXX XXXX ). to pay my poor roofer, who has been waiting for 2 months. However, the check which was to pay my roofer, was sent to someone in West Virginia. I was given the XXXX tracking number. We live in Colorado. Response is questionable. Working with XXXX XXXX and XXXX XXXX. Five months after the hail storm, I have yet to recieve as much as one cent back from Round Point.
07/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94109	Web
I have called at least 10 times since XX/XX/XXXX and I have two unresolved problems : ( 1 ) escrow payments being added to my loan without reason and ( 2 ) an insurance policy that should have been refunded, but has not been refunded. ( 1 ) Escrow - I have been charged {$69.00} per month on my loan for escrow that should not be on my loan. I have been charged monthly for the past six months ( XX/XX/XXXX-XX/XX/XXXX ). I would like the escrow to stop and be refunded the balance ( {$460.00} ). ( 2 ) Insurance - an insurance policy was put on my loan that should not have been there ( policy put in force in XX/XX/XXXX and ended in XX/XX/XXXX ). The insurance policy was canceled by the company, but I was not refunded the full amount of the insurance policy ( roughly {$60.00} still needs to be refunded ). I have proof of my own insurance policy that was in force.
08/05/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33054	Web
XXXX XXXX XXXX ( XXXX ) was hired by XXXX XXXX XXXX to inspect the XXXX XXXX, which is located at XXXX XXXX XXXX in XXXX, Florida, XXXX regard to reported damage involved in a homeowners insurance claim. XXXX XXXX XXXX, P.E., Principal Engineer, inspected the structure and site on XX/XX/2022. During the inspection, XXXX observed that a section of wood joists and subflooring in the family room and kitchen area had been compromised, making those members no longer able to properly support the intended loads. The observed damage is an unsafe condition that poses a danger to the occupants at the residence. XXXX recommends that access to the kitchen and a section of the family room of the residence be restricted until temporary support or permanent repair of the damaged floor framing is completed, which should be performed in the immediate future.
06/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32210	Web
I had a mortgage loan through Round Point Mortgage and serviced through their Roundpoint Mortgage servicing department. We closed the loan through the sale of our home on XXXX XXXX. At the time of the sale of our home we had a balance of {$2700.00} in our escrow account and we ca n't get it refunded to us by Roundpoint Mortgage Servicing. Each time we call we are given a new excuse ... it takes 7 to 10 days, it takes 10 to 15 days, it takes 20-30 days. It has been nearly 60 days since we closed and yet no refund of our escrow account They claimed they sent it but we never received it and when asked to stop payment and resend, we keep getting the run around. I have called 8 times in the past week asking for managers, supervisors etc and no one will return my call regarding this refund. Any help would be greatly appreciated. Thank you XXXX XXXX
11/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95695	Web	Older American
On XX/XX/2021 I sent a check via the bill pay service at my bank for {$30000.00} to Roundpoint Mortgage Company. Roundpoint cashed the check on XX/XX/XXXX. Now two weeks later Roundpoint still has not credited my account. First they said they never received my check. I then sent them copies of the front and back of the cancelled check. I was then told the check had been misapplied and that they would correct the error. They still have not posted the check to my account. I have called them numerous times. They have never initiated contact with me despite being told they would. The results of my calls have varied from them suggesting I probably did not send the check as I claimed ( they said this happpens all the time ) to being promised that they were posting the funds as we spoke. Is there something your department can do to assist me?
01/15/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30338	Web
Roundpoint wrongfully forceplaced insurance on our home XX/XX/XXXX to XX/XX/XXXX. They sold the mortgage to XXXX XX/XX/XXXX. We have sent evidence of insurance for the period in question through my insurance agent as well as myself by phone & fax. They will not accept emails. A new person answers each time and claims not to know the previous person that attempted to resolve the issue. Most recently it was XXXX in XX/XX/XXXX ( we were told a refund check would be mailed. Never received ). Then XXXX employee # XXXX was looking into the issue additionally requesting I share documentation by fax. Today XXXX ( " XXXX '' ) advised they saw notes on file. Checking into the matter of a refund. Put on hold for over 20 minutes then call dropped. All persons communicated with are polite but no action or follow through occurs to refund the premium.
02/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92584	Web
We have a mortgage with roundpoint mortgage servicing and we have been with them since XX/XX/XXXX, we paid our mortgages regularly every month and on XX/XX/XXXX I got a phone call from XXXX XXXX with roundpoint she let me know that roundpoint dropped the ball and accidentally deleted our PMi from our loan for 2 years! Mind you they review all accounts yearly and they somehow missed this 2 years in a row??? So our mortgage went from {$2100.00} to {$2400.00} for the next 5 years then falling to XX/XX/XXXX after the 5 year period. They are now telling me in XXXX our mortgage will be raised again. We have had several financial struggles after our mortgage increase and now with a future increase we are worried we will now lose our home. All I asked is that they right their wrong and soak up the negative balance that they caused but they refuse.
06/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91362	Web
In XXXX my loan was transferred from Roundpoint to XXXX Mortgage. I had not received a statement from XXXX Mortgage at the time my payment was due, but I received a statement from Roundpoint. I made a payment on XXXX XXXX to Roundpoint, which was cashed on XXXX XXXX XXXX, I revived a statement from XXXX Mortgage. I was told that Rounpoint would not cash my check since they no longer owned my loan. I sent another check to XXXX Mortgage on XXXX/XXXX/16 which was withdrawn on XXXX/XXXX/2016. I called Roundpoint and the agents were unable to find my payment. I was asked to forward a copy of the cashed check and they would investigate and send me a refund. After numerous calls and emails I have not received a refund or a response on the status of my request for the excess payment refund. I have confirmation emails that my emails were received.
02/28/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	UT 84095	Web
I have recently completed 12 months of on time payments after completing a forbearance. I asked my servicer ( RoundPoint ) through their customer retention group to reach out so I can talk to them about refinancing my loan ( throughout the forebarance my credit to a hit because the payments were reporting late ) No response. I followed up with another email two weeks later and received no response. I then reached out via email to the customer service group. I received a notice that the request had been received, but no response. Prior to this, the customer service department has been good about responding. I send another message a week later to follow up on my question. My hope is that my servicer could assist if anyone can due to the credit hit. I can accept a no, I cant accept being dismissed as not important enough to respond to.
06/05/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75703	Web	Older American
On XX/XX/23, our mortgage loan was transferred to this company. Since then, we have not been able to make contact with a representative about making sure we receive our monthly statement. Unable to get past their automated system. This is a simple process to complete. We have not requested paperless billing. I have reached via their website to their president with no success. I have filed a complaint with the Texas Dept of Savings and Loan as well as North Carolina Dept of Savings and Loan. If the interest rates were not so high, I would refinance with a local bank so that my loan servicing would not get sold. I have to set a reminder on my phone each month to pay. Even if I had chosen to go paperless, we have not received any communications whatsoever from this servicer. I just want a hard copy monthly statement of my mortgage account.
02/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93001	Web
Our mortgage was sold to Roundpoint Mortgage company in XXXX 2021. Our property tax and insurance are in an escrow account and should be distributed to the county and insurance company when due. Our insurance premium for the year was due on XX/XX/XXXX and Roundpoint should have paid that bill from our Escrow account. On XX/XX/XXXX we received an Expiration/cancellation notice from our Insurance company because they hadn't received payment. At that point I reached out to Roundpoint asking why this hadn't been paid and asked them to get back to us as soon as possible. I've sent several emails to Roundpoint over the last ten days and the only response I'm receiving is an automated reply. I went ahead and paid the insurance premium directly so we wouldn't have a lapse in coverage on our policy. Nobody at Roundpoint will get back to me.
06/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 231XX	Web
During the transition of my mortgage service being sold from XXXX to Roundpoint final and first payments between the companies where not reconciled properly. My new mortgage servicer Roundpoint is stating that I am one month behind. After numerous calls they consistently fail to get this resolved. Now I am pass the grace period and am incurring late fees when I have never missed a payment since I bought the house in XX/XX/XXXX. My new servicing date for Roundpoint was effective XXXX XXXX, XXXX. I had already sent my mortgage payment to XXXX for XX/XX/XXXX. I made my first payment to Roundpoint on XXXX XXXX, XXXX and have n't missed a payment since. I have called numerous times to get it straight and they have told me its under investigation. Not XXXX person in their customer service department has helped me. This is very frustrating.
10/18/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	LA 70605	Web
Roundpoint has been having my $ XXXX insurance claim check XXXX and it is now XX/XX/XXXX. Every few weeks they willl call me to tell me they need some form or a signature or an invoice, which I provide to them. Then they wait a few weeks and call me back telling me they need something else. We have been thru 3 hurricane 's, a flood and a freeze and feel we have been thru enough that I should not have to fight for my own money that my insurance company has paid. Roundpoint even came to my home to inspect that all the work was complete according to my summary of loss. The only thing left was 2 ac vents -- -that is cosmetic and was not on my insurance summary of loss. I feel as though they are stealing my money. I have been complying with their demands and they come up with new ones. I do not know what else to do and hope you can help.
05/02/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22204	Web
Due to a paperwork mixup, Roundpoint Mortgage thought they owned the servicing rights to my mortgage, but they did not, XXXX did. I am attaching the welcome letter from XXXX , clearly demonstrating that XXXX acquired servicing rights effective XXXX XXXX 2017 . For XXXX months, Roundpoint harassed me asking for payments. Finally, after I filed CFPB Complaint # XXXX , Roundpoint sent me a letter acknowledging that XXXX owned servicing rights and that I would be goodbye 'd by Roundpoint, which I have attached. However, today, XXXX XXXX 2017 , I received a phone call from Roundpoint asking for my " past due '' payment for XXXX . This is a payment that I never owed to Roundpoint because they no longer had my servicing rights at that time. I need the phone calls from Roundpoint to actually stop.
11/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75007	Web	Older American
RoundPoint Mortgage purchased my mortgage from prior lender. They have tried to raise my monthly payments by over {$700.00} per month but we paid a lump sum and it only went up about {$450.00} per month. The reason for the increase is because they say we had insufficient $ in escrow. I am over age XXXX and homestead my home. I do not agree with the taxes they are charging me. I have written them and no response ( documentation attached ). I have held for over 90 minutes only to get them to tell me they have no record of my correspondence. I have been hung-up on by the telephone staff. I have been refused multiple times for a face-to-face meeting with their local office. I can get absolutely no help from RoundPoint Mortgage and I can move my mortgage since interest rates are significantly higher now than when I bought my home.
07/07/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90064	Web	Older American
This is the second complaint I file through cfpd.gov. We have been trying for years to get our loan modified through roundpoint and every time I has been impossible. The loss mitigation ( XXXX XXXX is our single point of contact ) constantly tells us sorry its human error and we have to start the process over. We received complete package acknowledgments and right at the 30 days something comes up and they deny the modification and ask us to start the process again. Because of the great amount of uncertainty with Roundpoint we have worked with a XXXX counselor from XXXX and they helped is submit a completed package on XX/XX/XXXX ( before Covid ). Four months later and we have encountered same problems and the mortgage company has denied modification and told is they had noted the account to deny any further modification.
07/24/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 08085	Web
I had a 30 year FHA mortgage with Roundpoint mortgage company. I paid off my mortgage balance on XX/XX/XXXX by refinancing with another lender. I had an escrow account having a balance of {$5400.00} to be reimbursed to me. I called them after 3 weeks to find out about my refund. I was told that they could hold the money for a month before they refund. I called again on XX/XX/XXXX as I saw online a refund was issued on XX/XX/XXXX and they told me the check was cut on XX/XX/XXXX and I should receive the check in a week. Now it is been more than a month and two weeks I still don't have a clear answer from roundpoint about my refund until today XX/XX/XXXX. XX/XX/XXXX - Loan Paid In Full ( Cash ). Address details of company : RoundPoint Mortgage Servicing Corporation XXXX. XXXX XXXX XXXX, NC XXXX Customer Service at XXXX
03/23/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70115	Web
Round Point Mortgage failed to calculate the appropriate escrow amount for last year 's tax bill, as a result I have stated they need to recalculate the amount I am charged on a monthly basis. This overestimation resulted in an approximate {$3500.00} refund from last year 's property taxes, which would be about {$290.00} reduction in escrow on a monthly basis. I have attempted to resolve the issue on 5 different phone calls ( all of which were unable to confirm the discussion through email to have a record of these conversations ), and over 3 secure messages. Their poor customer service has added no assurance that this matter is being taken seriously, and has me wishing that my XXXX mortgages that are currently with the organization had been sold to a more customer friendly and responsible mortgage service provider.
06/01/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 23606	Web
I recently purchased a new home with builder financing. My mortgage was immediately sold to Roundpoint Mortgage Servicing corporation and I 've been making payments to them for the last 7 months. XX/XX/2016, I received a Real Estate tax bill from the City and promptly forwarded it to Roundpoint so that it could be paid from my escrow account. Despite several phone calls to Roundpoint 's customer service center, one of which ended with a promise from the floor superivsor to get the bill paid, Roundpoint has failed to issue a check and I 've been forced to pay the tax bill out of my own pocket. XXXX 's excuse for not paying the bill is that it is marked " supplemental '' ; in actuality, the city of XXXX XXXX has confirmed that this is the normal real estate tax that is due for the period of XX/XX/XXXX - XX/XX/2016.
02/24/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 227XX	Web
I have been trying to initiate a partial release for over a month and roundpoint refuses to start the process. On their application for a partial release it explicitly states that the consumer is to NOT order their own appraisal. Now, they're telling me they won't order an appraisal until they have a sales contract. I can't sell the property until I know how much it is worth and therefore need an appraisal. My customer care advocate XXXX XXXX Customer Advocate XXXX XXXX Ph : ( XXXX ) XXXX will not return my calls, voicemails or emails. I have every right to pursue a partial release of my property. Roundpoint Mortgage 's failure to even start the process has now cost me a month of my time and we are no closer. They are holding my mortgage hostage at this point and something needs to be done. Please help!
01/23/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IL 60440	Web
I am filing a complaint against Rounpoint Morgage. For the reason I have submit a modification packed to them, and provided my proof of income, However ; they refused to approve my loan for a modification. I contacted Roundpoint to confirm if they had my correct income, because the deny documents I received did not provide the income or expenses that were use. After I contacted Roundpoint they confirm I have a XXXX surplus, after covering all house expenses included current mortgage payment. I am devastated because I am following the guidelines, and Roundpoint is refusing to approve my loan for a modification. I am showing them that my intentions are to keep my house. Please help me I am still willing to work directly with them again, however ; I am tired of Roundpoint is making me re-applying every time.
03/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60614	Web
I have been trying to contact the mortgage servicing company ( Roundpoint Mortgage Servicing ) for weeks to unlock my account. The account was locked because I was forced to change my password and was unsuccessful trying to log in afterwards. I have called the customer service number numerous times, and always get the message " we are experiencing high call volume ... '' etc. I have tried the option of having them call me back, I have e-mailed them, and I have waited on hold for hours at a time. It appears as if they have nobody actually available on the customer service line. In any case, I am unable to log in and am unable to contact them, so I can not get any information about my loan, tax info, or more importantly I can not ask other questions that require speaking to someone. Please help.
04/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NE 68107	Web
I paid off my home on XX/XX/XXXX They supposedly mailed my escrow check to me on XX/XX/XXXX. I have never received it and it's now the XXXX. I think they are fraudulently holding on to my escrow XXXX and gathering interest on the money. I don't believe they ever sent a check. They have no tracking number for the envelope. This isn't the first time I have had problems with them when I paid off my house for a few days they tried to say that I owed more money. When I persisted they finally admitted they had made a mistake and misplaced my money. Whenever I call there to find out what I going on with my check someone answers the phone that can't even speak good English so I can't communicate with them and I'm given the brush off about my money. I'm also terrified I won't get my deed in the future.
01/05/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 21208	Web
I submitted loss mitigation paperwork to my mortgage company in XX/XX/XXXX. I have n't been able to get a response to this paperwork and it is now XX/XX/XXXX. I am told my single point of contact is XXXX XXXX. I have n't heard from him at all via email which I have sent numerous emails or my calls. I was told a manager sent an email to the processors on XX/XX/XXXX and still no response. I followed up again today and was told thy were sending yet another follow up email and should call back on XX/XX/XXXX. Why is it t taking so long to get a decision. This is the second time Roundpoint has sat on paperwork for my home. I just need a decision made to finalize my loan terms or determine if I can stay in the home. The longer they sit on the paperwork the longer I fall behind. Loan Number XXXX
01/11/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 604XX	Web
we applied for a mortgage loan modification back on XXXX XXXX XXXX XXXX was the owner of my loan, after XXXX denials they transfer my loan to RoundPoint now round point has approve a modification of the loan but I do n't think it is a fair XXXX, they lower XXXX to the principal balance witch I appreciate but we owed around XXXX XXXX dollars over the value of the house and they are giving us an interest rate of XXXX, the only income to the house hold is thru my husband`s work, so he would have to work over time to be able to make this payments and over time is not always there, and even if it was my husband is a XXXX XXXX XXXX we would finish paying the loan in XXXX is he going to be able to work as a XXXX that long. we bought this house in XXXX and we will finish in XXXX how is this fair
12/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77077	Web
Roundpoint took the XXXX 2016 mortgage payment from my account even though it transferred the loan to another servicer in XXXX. When I realized this had happened, I called to ask. They have been saying for 3 weeks that the payment is on its way to the new servicer, but the new servicer had not received the payment as of XXXX XXXX. I requested some sort of control/wire/transaction number to proof that they had sent out the payment and were not just sitting on it, but they have refused to provide any proof. Their only response is to keep waiting ( even though it 's been 3 weeks and they think it 's believable that mail takes this long within the US ). Given this company 's terrible reputation, I 'm very concerned that I might lose my money or not see it again in months. Please help me.
07/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 350XX	Web	Servicemember
The new servicing company did not send out their notice no less than 15 days PRIOR to them receiving the transfer. They are now telling me the Federal law states they have up to 60days AFTER transfer to send me a letter. They are refusing to take my payment ( s ), give me date when they will start accepting my payment ( s ). They said I would just have to wait till they sent me a letter and called with the info, but would take aporx 60 days! I should just " hold on '' to my payment till then ... There is something fishy about them, it 's like they are wanting you to get behind or something. 60 days would cause it to show late on my credit report and I 've NEVER been late with my mortgage before and do n't plan on it either!!! CSR : XXXX her XXXX : XXXX : XXXX XXXX, TX XXXX
02/12/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33054	Web
HMDA Violation My mortgage was transferred or sold to a privately owned Debt Collector. The Terms, Escrow Payments, Interest Rate, Forced Placed Homeowner 's Insurance where all transferred without my knowledge. The Original Mortgage Note was stamped, appears altered and fraudulent. My Original Mortgage was FHA and was somehow converted to A Conventional Mortgage without my consent or my signature. I don't have a Mortgage Loan Servicer, Just A debt Collector that takes my mortgage payment. This Debt collector doesn't have a functional website for homeowners to view payment History, Escrow, File Damage Claims, View Status of Homeowners Insurance Policy etc. They provide the Homeowner with nothing, merely a " Debt collector ''. Who is responsible for servicing this mortgage?
03/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 270XX	Web	Older American
On XX/XX/XXXX I contacted them re my property taxes for XXXX which had not been paid and were delinquent. I was told to send them a copy of the bill which I emailed to them that day. I was told the taxes would be paid on XX/XX/XXXX. As of this date XX/XX/XXXX they have still not been paid. I have called them numerous times, the last time on Friday, XX/XX/XXXX, and was told they would overnight the payment. A check this morning with the XXXX XXXX tax office shows that payment has not been received. The amount for the taxes is in my escrow account and has been since XX/XX/XXXX when I closed on the property. I was on hold the last time for an hour and was assured that the taxes would be paid promptly. I am told the same thing every time I call, but no payment has been made.
02/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 410XX	Web	Older American
I received notice XX/XX/2023 that XXXX XXXX sold servicing of my loan to Roundpoint effective XX/XX/2023. I paid my XXXX payment to XXXX XXXX because I generally pay early, so I am not concerned about missing a payment or being late for XXXX. My concern is that Roundpoint has yet to send me a statement for the XXXX payment ( they possibly think I would owe ) or the XXXX payment that is due in 4 days. I received an email from Roundpoint giving me a new loan number several weeks ago, and calling them results in no option to talk to a person. I do not want to set up an auto pay with Roundpoint. I want a monthly statement so I can mail a check to them. My complaint is that Roundpoint for the last 5 weeks plus surely should be expected to send me a mortgage statement by mail.
02/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96701	Web	Older American
i requested for a mortgage payoff quote BEFORE XXXX XXXX never received anything. i tried calling and FINALLY talked to someone and they assured me i would get the qupte before XX/XX/XXXX i emailed a complaint to them and they responded thru email that i would get my quote. its now XX/XX/XXXX and still nothing its very difficult to actually speak with someone with this company. roundpoint dont know what to do. i never chose this mortgage company... they bought my mortgage. they are the worst. i still want to pay it off just so that i no longer have to deal with these guys. but also afraid if send them all that money, it could disappear. if they have no problem lying about my payoff quote and nearly impossible to contact by phone, how can i trust this company?
04/18/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29801	Web	Older American
XXXX XXXX was previous mortgage holder. They sold my mortgage to Roundpoint Mortgage. Neither XXXX nor Roundpoint will take a call asking for verification of my mortgage status ( up-to-date or not up-to-date ). XXXX XXXX says they will forward payments, Roundpoint says they will honor back payments. But neither will answer my call asking if the mortgage is currently up to date. I called Roundpoint again today, and they still have their recordings in a loop that eventually disconnects the call. I am afraid that they are setting me up for a default. How can we require the agents at Roundpoint to be in touch with me? It appears that they are connected to XXXX, adn that I am getting 'the squeeze ' from Roundpoint now that they have my mortgage. Thank you for your help.
07/11/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29801	Web	Older American
I am trying to pay my Roundpoint Mortgage XXXX payment before the XX/XX/23 deadline. Roundpoint Mortgage has a bank account number on file for me that is incorrect. I want to pay by bank transfer, but on their website, they block me from changing which bank account number I want draw from. They give no option for changing the account number. In addition, Roundpoint Mortgage uses a telephone system that gives no option for speaking to an operator/technician. Also, the phone system does not have an option for changing the bank account for my on-line draw. I believe that Roundpoint is blocking access to me so that I will be late and they can charge a late fee. Can you help me get access to their offices so that I can change this bank account number for the draw?
09/15/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	MI 49417	Web
Roundpoint mortgage managed property taxes collected at my XXXX XXXX 2016 closing and were advised a Veterans ' property tax waiver was awaiting the XXXX XXXX XXXX XXXX approval. The requested approval documentation was provided Roundpoint so the escrow analysis could begin. Weeks passed but no analysis was done. Per GH Twp, Roundpoint paid the summer taxes XXXX XXXX, 2016 instead of returning the funds to me, per the law. The emails I have demonstrate the lack of cooperation I 've received which included their designated ombudsman. I want Roundpoin to refund the property taxes they managed, returned to me ; I should not penalized ( XXXX60 day for return of funds ) for their errors, these funds should come from Rounpoint directly ... they can wait for the return.
06/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 52761	Web
I sold my home and paid off my mortgage to Roundpoint Mortgage Servicing Corporation via wire transfer on XXXX/XXXX/16. I called them on that day to give them my new address and verify when my escrow balance and mortgage overpayment would be released. I was told by " XXXX '' it would be sent in 20 days. I called again on XXXX and talked to " XXXX '' and was told a check had not been issued yet and that it could take up to 60 days. I requested and was told it would be expidited. I still have not received a check. Why are they allowed to hold my funds for that long when they received a wire transfer on the date of closing? If I am late on a payment I am charged a late fee. Why is Roundpoint not penalized ( and me compensated ) for their failure to pay ME promptly?
03/25/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 175XX	Web	Older American, Servicemember
Several months ago staring in 2019, I attempted to refinance our home at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was attempting to refinance {$140000.00} from a 30 year fixed mortgage to a 10 year mortgage with the same company that currently services the mortgage, Roundpoint Servicing Corporation, XXXX XXXX XXXX, XXXX, N.C. XXXX. We paid for an appraisal of {$450.00}. I have called or attempted to call the company on numerous occasions and have continually been put off or told that action would be taken. I have not received anything further in writing and have not received any definite dates when action will be taken. It has been at least 3 months now and I have not been able to get action on this loan application despite numerous calls to the company.
10/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91607	Web
Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.
04/14/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TN XXXXX	Web	Older American, Servicemember
RoundPoint still did not address my issue as to why I could not log into my account on XX/XX/XXXX to pay the {$5000.00} that I had toward my mortgage payment not could I pay it over the phone. The representative on Saturday XX/XX/XXXX told me that he could see where I was trying to pay it and was not allowed to do so. My mortgage would not be in foreclosure could I have logged into my account on XX/XX/XXXX. I need an explanation. I tried prior to midnight several times over the phone and on the internet, check the records because I have my phone records as well as proof that I tried on the internet therefore, WHY WAS I NOT ABLE TO PAY IT USING THESE 2 AVENUES. Check your records, I have been paying via internet the last several payments that were made.
06/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 231XX	Web
I have been making my mortgage payment in 2 equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly ( according to them ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.
06/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	LA 70072	Web	Servicemember
Roundpointcontinue to contact us and failing to provide evidence and proof of steps taken showing how they calculated the amounts. I have documentation from assessor office of XXXX XXXX XXXX. Concerning property XXXX XXXX XXXX XXXX Louisiana XXXX qualify for special assessment, we also have documentation from fema confirming flood insurance is n't a requirement so it 's a little disturbing as to way this company is reporting incorrect information and another thing roundpoint states roundpoint paid XXXX county incorrect. This company is out just to capitalize of my husband and I and to manipulate the system for its own gain we are feed up. We are requesting that CFPB take corrective action thi matter have gone on a lil too long and a resolution is demand.
07/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 206XX	Web
It is my belief that Roundpoint Mortgage should terminate PMI fees now that I have reached the XXXX % threshold as stated in my original PMI loan documents. I notified them in writing as required. I have never been delinquent on any of my payments to them since the loans inception, I have a XXXX plus credit rating and my house market appreciation has well exceeded the original loan apraisel based on other homes recently sold in my area. They insist on requiring me to get an apraisel which would almost eliminate any cost savings to me. Even though it is not clearly stated that that would be required in the original loan documents. Seems a though the whole system is rigged in there favor to unfairly profit off of responsible home owners like myself
01/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA XXXXX	Web
Roundpoint mortgage did several dubious things while processing my PMI removal request which costed me more than {$2000.00} and extreme amount of stress. I submitted the request in XXXX of 2015, RPM took painfully long time to process my request. They sent appraiser who did n't calculate the Square footage correctly ( XXXX SQFT ). Roundpount mortgage never took my calls seriously. It took them 6 months to initiate the request again with multiple followups and more than XXXX calls. They even lost my faxes ( Which has social security number mentioned ). Overall it took them more than an year to process a simple request which costed me more than {$2000.00}. I dont feel that my records and financial information is safe with rountpoint mortgage.
09/28/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 080XX	Web
My Mortgage was sold twice in 1 month. It was first sold to RoundPoint acct. # XXXX and secondly to XXXX XXXX acct. # XXXX. Both expected payment on XX/XX/XXXX. Payment was mailed on XX/XX/XXXX for due date XX/XX/XXXX to Roundpoint as required and in compliance with my resposnibilities as a mortgagee. This check was cashed. XXXX began collection efforts on XX/XX/XXXX, see Consumer Financial Protection Bureau complaint # XXXX. RoundPoint has yet to forward the XX/XX/XXXX payment to XXXX. This is over 30 days. I am asking for confirmation that RoundPoint has made payment as required for the XX/XX/XXXX mortgage payment. Both companies are not entitled to the same payment. This is a problem between the two companies and not the consumer.
05/17/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92065	Web	Older American
I have been trying to complete a short sale with Roundpoint mortgage for over 2 years. They continue to stall and keep asking for more documents. I finally completed all their document requests as of XXXX XXXX. I was told they have a " complete package '' that was submitted to " processing dept ''. I was told they would make a decision in 30 days.. It has been 47 days and they still will not make a decision. I have a cash buyer that will not wait much longer. This is my XXXX cash buyer. All other cash buyers have walked due to the delays from Roundpoint.Their last excuse was the the buyer 's name was not spelled correctly. I feel that I am not being treated fairly and they should not take this long to approve or reject my short sale request.
06/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76112	Web
Our Mortgage company Roundpoint has been over charging us on Mortgage insurance last year and now they are charging us more this year. My husband has been talking with them since XX/XX/XXXX and each time they say they will fix the problem and it is not fixed. We asked to speak to someone higher then the person on the phone and they state management will not talk to customers. We are very frustrated with this not being resolved. We do not know if this is an honest mistake and the phone people can not figure it out but if sounds very fishy that management will not talk to their customers. I do not know if this is an honest company but after speaking to XXXX people an not getting it resolved I think this company is doing this on purpose.
09/07/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web
Please review attachments Round Point Mortgage open a new loan account number XXXX, Principle and Boarding Amounts on XX/XX/XXXX. But Round Point Mortgage did not apply all said funds to the above account, when XXXX XXXX XXXX forward and release the funds to new servicer Round Point Mortgage on XX/XX/XXXX. Missing mortgage payments was noted on payment history statements and the {$18000.00} check from Florida hardiest hit program also was not noted on the payment history statements.what happened to these funds? Also the XX/XX/XXXX loan modification agreement Round Point Mortgage applied fraudulently new money XXXX to that loan, what was that money for? And why did they make me pay and charge me for something I didnt know about?
12/22/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 77515	Web	Servicemember
My home flooded. I received a check from my insurance company endorsed it sent to Roundpoint Mortgage. I have been sending them information from myself and my contractor for 2 months and still have not received a check to pay my contractor for the work they have already performed. They tell me what info they need. I send the requested documents time passed while they work on it then they need more or different documents. Told that all documents are in order check will go out the next day. Wait a week for the check and then call and no still not approved need some more documents. The will not give me my insurance money. Every time I call it is someone with a different story and I can not talk to anyone who can make a decision.
01/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 480XX	Web
Roundpoint is reporting a 30-day late on mine and my wife 's credit report. This needs to be removed as I was coming out of bankruptcy at the time of my servicing transfer, and I was not contacted regarding being a payment in arrears following the bankruptcy release. I contacted my previous servicer and trustee ; all payments were accounted for, but the loan was due for XX/XX/22. During the RESPA period with Roundpoint, I was never contacted or advised that a payment was needed. I have made all payments according to the plan and kept in communication throughout the bankruptcy, and I should not be responsible for the lack of communication from the new servicer. Since the transfer I have made all monthly mortgage payments.
01/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC XXXXX	Web
I called Round Point Mortgage for the followup of the Complaint with CFPB Complaint XXXX. The guy named XXXX XXXX me and told me that they going to issue the check dated on ( XX/XX/XXXX ). He has given me the XXXX number ( XXXX ) and promised me that I will receive the Check by XX/XX/XXXX. When I called the customer service to inquire about the Check, They told me that it was generated and was not dispatched. I sent so many emails and I haven't heard anything back from him. Looks like he is lying to me. I wasted long hours to resolve the issue but it didn't happen so far. This my third complaint on the same issue and the issue hasn't Resolved. 1st CFPB Complaint number:XXXX-XXXX 2nd CFPB Complaint number : XXXX-XXXX
02/10/2017	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 341XX	Web
My loan with RoundPoint Mortgage closed on XXXX/XXXX/2016. At that time I had an escrow balance of over {$5700.00}. My loan # XXXX stated in paragraph XXXX " Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. '' It has been sixty days since closing, I have been told over 4 times that the check for my refund has been mailed. I have been given the run around by multiple RP employees or contractors all to no avail. From what I can find out, this is a common practice of RP Mortgage. Someone needs to investigate them and end this shameless practice. I never missed a payment to them and wonder what they would have done is I had for 60 days.
02/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80013	Web
In XX/XX/2020 I refinanced my home loan with XXXX XXXX XXXX XXXX. My refinance closed on XX/XX/20 and my first mortgage was paid off on XX/XX/20. As of this date I understand that my mortgage servicer, roundpoint mortgage servicing corporation, has 30 days to refund the balance of my escrow account to me. As of XX/XX/20, 21 business days later, I have still not received my escrow balance of my first mortgage. I called roundpoint and was told they processed my money from my escrow account on XX/XX/20 and that it will be a minimum of 20 business days for me to receive my money which they are holding. This is well beyond the 20 business days set forth by regulation 1024.34b they are legally allowed to hold my money.
10/25/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OR 97213	Web
My mortgage loan consultant, XXXX XXXX, has stopped responding to my emails and calls. Since XX/XX/XXXX I have not heard anything from him, despite being promised by others at Roundpoint that he would contact me. I was able to get a hold of XXXX XXXX, a loan processor, who was able to give me an update on my file. After XXXX, I was able to get a hold of XXXX XXXX, today, who finally told me they need more information from me. At this point, it's been 60 days since I started this process and I feel like my file keeps getting dropped through the cracks. Every additional day this takes is more interest I have to pay at a higher rate. I'm losing money the longer this takes and no one at Roundpoint seems to care.
09/09/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33056	Web
Please see attachments XXXX XXXX from Round Point Mortgage call me today asking for a copy of the missing payments and the $ XXXXcheck payment he wanted me to send him a copy of what I had. I ask him about the new money of {$21000.00} he did not give me a concrete answer only to keep referring to the missing funds it appears he was very concerned even gave me his personal phone number to call him back with the information he wanted, really sound suspect to me because when I ask him other questions about the loan he just went back to the missing checks situation. I told him he can email me like he did once before because I like to have everything in black and white but he insisted on calling me over the phone.
01/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 947XX	Web
Roundpoint erroneously increeased mortgage payment, then created a suspense account to make payments seem late and charged late fees. Tho Roundpoint has admitted in writing that it had no basis for increasing monthly payment and that its action was an error, it refused to correct the payment history despite numerous oral and written requests to do so. Instead it erroneously applied two payments in excess of the amount due to one month. Then they erroneously applied all subsequent payments, which actually were received prior to the due date, as if they were paid in arrears, created a " suspense account '' charged late fees, and continue to demand money in excess of what they are owed under the promissory note.
11/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95624	Web
Initially started forebearance back in XX/XX/XXXX then I requested to be cancelled shortly before the XXXX 's mortgage payment was due. I then made 6 months of consecutive payments until XX/XX/XXXX then restarted the foreberance plan. Fast forward to XX/XX/XXXX, roundpoint customer service rep stated i don't qualify for my full 18 months of foreberance because they counted the 6 months gap as part of the 18 months. Then I proceeded to escalate the issue to roudpoints " escalation team '' they have stated in an email saying I do qualify for the full 18 months. I have called in multiple times between the date XX/XX/XXXX until XX/XX/XXXX, roundpoint customer service stated on the phone the task is still pending.
09/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 384XX	Web
This company is a nightmare with the escrow acct ..first it was trying to get them to remove my pmi which was suppose to be automatic ( I had to email them a copy of the contract to get them to comply I cant imagine how they wouldnt have this ) ..now they failed to pay my homeowners insurance I caught it day before and after many lies got someone to agree to overnight it so I dont loose insurance or be charged late fees ..now they show they took it out twice and are having to advance me money ... I find bbb had many complaints like this on them ..the escrow department lies every phone call and I have to make up to 8 calls about each situation ..I have never had to worry about my things being paid from others
08/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48045	Web
I sent my reduced property tax bill to Roundpoint Mortgage Servicing company via email. I called them a few days later to make sure they received the information, and to learn what my new payment would be. The young man on the phone could not give me that information, but told me they would run a new analysis in XXXX. I told him that was not acceptable, so he agree to run a new XXXX by XXXX XXXX. The company did so, but used the old property tax information rather than the new XXXX. My original summer tax bill was {$4200.00}. The new XXXX is {$2300.00}. My new payment shows an increase of {$35.00} per month, using the wrong property tax information. I have contacted Roundpoint again, but not heard from them.
06/14/2017	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	CA 92037	Web
This is a dis pute regarding a removal of a 30 day late reporting on our credit bureaus due to ROUNDPOINT MORTGAGE system failure to withdraw fund from our account and Failure to notify us as borrower in due time to take action. In response to our inquiries, Roundpoint was n't able to provide any factual information to disprove our case but rather incorrect facts about the course of action taken. We have all phone records, email confirmation etc to prove that Roundpoint was inaccurate in their assessment of denying our request to remove the 30 day mortgage late from our credit bureaus. Attached is a series of event and correspondence with Roundpoint. More detailed information can be provided upon request.
04/17/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 77375	Web	Servicemember
I received notice that I was going to be transferred to a new lender. At that point the lender told me I had 60 days to pay my mortgage. I received the information after calling about who the lender was what my new account number would be. The new lender acquired the loan after XX/XX/2016 although they told me my payment was due XX/XX/2016. I would like you to assist me with this matter. They say the mailed me my papers on XX/XX/2016, I have n't received them yet. They have n't contacted me and I have made contact with this company which the operator asked me before I could explain to her what was going on. Would I like to make a payment. I told her I want to see some paperwork before I give you anything.
05/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91006	Web
RoundPoint Mortgage Servicing Corporation is ( 1 ) wrongfully force placing insurance ( 2 ) charging a fee even when we prove that insurance has always been in place ( 3 ) attempting to attach other assets we own. Whether this is a systems issue, or an intentional issue is difficult to know. They actually pay the insurance we have out of an escrow account they manage ; and yet claim no insurance exists, force place insurance, and then when we send the insurance to them that they should already have, they only return a portion of the premium they force placed. Additionally, they have claimed to be an insured on other property we own that they have zero interest or loan on for two consecutive years.
06/24/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92240	Web
This XXXX mtg co is the worst. They bought my mtg. in XX/XX/2019. When I went through refi they found out that previous mtg co did NOT pay last quarter taxes. Now after 2 mos. of getting everything in order they tell me I MUST pay the taxes again in order to close on refi. I pay my taxes every month. Plus, I was told that we were closing on the XXXX and now I do not have XXXX XXXX payment. This is XXXX XXXX!! The old mtg co said they would pay the taxes & penalties. BUT, XXXX Off Roundpoint paid bot quarters and penalties. Now in order to close on my refi they want me to pay the taxes again ar closing and then wait for the refund from county which will take months, per county. I paid my taxes!
04/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22314	Web
This is a follow-up to a complaint I made yesterday, # XXXX . A company called RoundPoint ha s been contacting me asking for money, claiming to be my mortgage servicer. Meanwhile, XXXX ( my actual mortgage servicer ) has confirmed multiple times that XXXX is the servicer. I have been making my payments to XXXX . After I filed complaint # XXXX yesterday, RoundPoint called me to respond to the complaint, claiming that I am still being serviced by RoundPoint and that they will send me paperwork to prove it. However, XXXX has sent me paperwork showing that they purchased servicing rights fr om RoundPoint effective XXXX XXXX , XXXX . I am writing again to include this letter from XXXX .
05/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08873	Web
my mortgage loan was with rounpoint mortgage servicing corporation, which was fully paid by refinance with XXXX XXXX XXXX XXXX on XX/XX/2022. Roundpoint mortgage bank has debited {$2300.00} for installment for XXXX 2022. which account ( loan number XXXX ) has been fully paid and closed. since last three months i am try to contact the Roundpoint bank they comes direct answering machine, they track my cell number and SS number it is directly goes to answering machine. i have send emial to XXXX on XXXX XXXX 2022 and XXXX XX/XX/ 2022, my loan has been fully paid in XX/XX/2022 they are holding my money {$2300.00}, and worse part is nobody come on phone not reply email. please help me get my money back.
04/14/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33054	Web
I've been fighting with the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay a claim for Hurricane XXXX, The Policy is owed by the Mortgage Servicer Round Point Mortgage. I'm paying my mortgage every month on time. I have advised the mortgage company that the house still needs repairs and unlivable. The mortgage company hasn't taken any action to remedy the situation. Something has to be done. the floors are gone, the structure of the house is compromised. I could literally fall through the cracks at anytime. I condition of the property has deteriorated since the hurricane in 2017. Its actually very dangerous. I had to purchase sheets of wood the lay on the floor to cover the wholes.
06/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28027	Web
My lender has forced the flood insurance for year XXXX and purchased the policy in XX/XX/XXXX. I was informed about the policy in XXXX and rules why they bought it. My objection is 1 ) why wasn't the policy got purchased in XXXX if it was required in XXXX? 2 ) how can you back date and purchase policy for period that is already gone..it seems fraud to me. 3 ) if it was to be purchased for XXXX then I should be informed in XXXX with amount and the clause of policy so that I can make informed decision why I got told about XXXX policy in XX/XX/XXXX. I tried to speak with multiple people at my lender and didn't get resolution and they paid it through my escrow putting me into financial risk.
03/28/2020	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	VA 20164	Web
I have 60 days late payment reported on my credit History on XX/XX/20 by roundpoint mortgage. I refinance the house in XXXX, and I had closing done in mu home. I sign the auto deduct form to roundpoint on the day of closing, and was told that payments will automatically deduct, when they are due. Couple Months later I got a letter from them that I am late on payment. I called them and explain them the same thing, they waive the late payment and I paid them all three month of payment on same day, and since then I am auto paying the payment on time with no issues. I was told that it will not be reported on my credit report as it is not my fault, but a communication gap on the Roundpoint side.
12/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	RI 02906	Web
RoundPoint Mortgaging has continually mismanaged my escrow funds. After three months of calling them, they have still yet to pay my insurance premium on my condo. It was due XX/XX/2019 and as of XX/XX/2019 it is still unpaid ( the last day my insurance company has extended my payment window to ). Additionally, I sent, resent, and called to confirm that the received my property tax information. They missed the first tax payment date ( XX/XX/2019 ) and paid it finally XX/XX/2019. As of XX/XX/2019, they have still not made the second quarterly payment which was due XX/XX/2019. They are also maintaining that I will be charged a higher interest rate if I opt out of their escrow services.
04/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34990	Web
We were told that our mortgage servicer was switched from XXXX XXXX to Roundpoint Mortgage in XX/XX/XXXX. In XX/XX/XXXX, Roundpoint began taking XXXX mortgage payments from us a month, putting us into overdraft. After the first withdraw, which was a week early on XX/XX/XXXX, I called them and asked why they withdrew early. They ensured me that it was a mistake but I would not be withdraw again at the end of the month ( XX/XX/XXXX ). I found out today they took another monthly payment from my bank for the month of XXXX. After hours on the phone with them, they said they had no way of refunding my payment and that I would still have to pay on XX/XX/XXXX. This company is a fraud.
12/19/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CO 80108	Web
Roundpoint Mortgage Account No XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Loan refinanced/paid off XX/XX/XXXX Debited my personal checking account XX/XX/XXXX for {$3000.00} How can they debit for a mortgage payment that has been paid off? Called and they said it was my fault because of an online request? Regardless of what the request may have been for, the loan was paid-off. Now being told have to wait 5 working days, and then they 'may ' be able to request a check be issued to me? And they can't XXXX so I'm looking at not getting my money back until possibly the 2nd week of XX/XX/XXXX? And they can't credit my account, then how is it that they can debit my account?
10/08/2022	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	MO 63130	Web
I sent a debt validation letter to ROUNDPOINT MTG XX/XX/2022 asking to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. I would appreciate it much if you remove the account I will be listing below
08/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 61604	Web
I am having problems with roundpoint mortgage not dispursing my escrow money to my insurance company to pay my yearly ins premium. I have reapeatedly have called them and they have put me on hold numerious times along with lie n to me sayn they have overnighted my payment to my ins company.this has gone on since XX/XX/2019. They refuse to dispurse my money and i have well over the amount to pay it sittn there nor will they give me a explanation y..soo on XX/XX/XXXX my ins cancelled me n i had to pay out of my own pocket a XXXX dollars to reinstate my homeowners in n to keep this rgt for time being or till i can seek legal advise n consultation. I want something done about this asap.
12/15/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 81004	Web	Older American
My mortgage company, RoundPoint Mortgage Servicing Corporation XXXX XXXX, obtained homeowner 's insurance with XXXX XXXX XXXX because my previous homeowners insurance expired on XX/XX/2021. I was making on-time mortgage payments. Funds in my escrow account should have been applied to my homeowner 's insurance. I have made numerous inquiries with RoundPoint Mortgage but I have not able to obtain coverage details or a declaration page. XXXX XXXX XXXX does not recognize the policy number provided by RoundPoint Mortgage. I am not able to obtain a refinance loan because the refinance company requires a homeowner 's insurance policy number, coverage details and a declaration page.
10/05/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX XXXXX	Web	Servicemember
Round Point Mortgage Administration and Law Firm has already sold the house to XXXX XXXX a relative or wife of XXXX, Texas XXXX XXXX to rapidly cover the Corruptions, Fraud, Scandal and Inflanted Value Appraisal of XXXX. A neighbor has sent me of evidence of XXXX County Judge ordering me to vacate me out of the house while I am nursing a XXXX XXXX and throwing me on the street. It appears that XXXX County Judge doesn't have no feeling or Care for our Military Veterans. Texas Laws is in favorite of all major billionaires financial Institutions and the special interest. On XXXXXX/XX/XXXX at XXXX Military Hours, the Sheriff and Crew will tear down the doors to enter the home.
04/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 49464	Web
Initially, I was not given the full 30 days notice for the sale of the mortgage, as required by law. Since then, my escrow has been miscalculated twice, changing my monthly payments significantly. The first time it took 3 months and submitting the correct paperwork 3 times to get the calculation fixed. This time, my payment is jumping from $ 850 month ( including escrow ) to over {$1200.00} to fix the miscalculation. Despite repeated assurances that Roundpoint will look into this, my calls and emails have not been returned once in 5 weeks. The issues are always simple math mistakes, and have personally made sure RoundPoint has received actual numbers for escrow calculation.
07/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 227XX	Web
For the second time, I have filed partial release documents with Roundpoint Mortgage and they will not file my partial release. I filed for the paperwork the second time on XX/XX/2021 amd it has been almost a month without Roundpoint even starting the partial release process. I did not hear back after I filed the paperwork until XX/XX/2021 ; over two weeks. I was told by my customer advocate specialist XXXX XXXX that she had no updates for me. It has now been over a week from that email amd I have still heard nothing and the process has not even started. I have waited a reasonable amount of time. This is ridiculous. Roundpoint Mortgage is a negligent incompetent company.
08/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98012	Web
I put a request in writing to my m's insurance taken out of my escrow account ortgage company asking to have my homeowner. I wanted to be able to pay my homeowner's insurance .Roundpoint mortgage deleted my escrow account . I have not been able to have the issue resolved after numerous phone calls and promises that the account would be corrected.The errors resulted in an inaccurate escrow account, misapplied payments and a negative amortization. My concern that all the errors could affect my ability to pay my mortgage. I put together a timeline of events and attempts to have the issue corrected. I have enclosed documents to verify the information reported on the timeline.
03/31/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89012	Web
The amount charged for " escrow '' on my monthly bill is more than what the monthly tax and insurance amounts would be. There is no escrow shortage showing. This was happening with the previous servicer ( XXXX XXXX ) and when Roundpoint took over, they continued with the over charging. I have called about this and nobody can explain why the escrow should be {$260.00} yet my statements show {$290.00}. Nor can anyone explain where the money has been applied. No escrow analysis has been completed to give a breakdown. I have requested escrow be removed, however, I still want to know where the monies taken have gone. In the last 2 years I have overpaid between XXXX per month
12/14/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 45373	Web
We have not received our disbursement check from Roundpoint Mortgage Servicing Corporation. The loan officer at XXXX ( who did the financing ) confirmed the loan was paid off on XX/XX/2016, the {$2100.00} was disbursed to us on XX/XX/2016. He was quick to get back to me. I contacted Roundpoint online thru my account and their secure message center. They have not responded. I have logged another request to them today asking why they have not gotten back to me. I also spoke to them on XX/XX/2016 inquiring about the delay. The representative told me to wait another week. It is now 16 days later since the disbursement and we have not received " the check in the mail ''.
07/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34638	Web
RoundPoint Mortgage is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, Round POint violates fair and accurate reporting of payment made to their bank. Additionally, Round Point changed the agree mid XXXX to state XXXX payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.
04/11/2019	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	IL 60438	Web
I have disputed the amount of what is owed on my mortgage for the past 6 months. I have opened disputes about the amount with all 3 credit reporting agency. The amount that Roundpoint Mortgage company keeps reporting is XXXX as owed this amount has been incorrect for months my amount owed is XXXX as of statement dated XX/XX/2019. I have tried to have this matter rectified for months including today. Today because of Roundpoints inaccuracy in reporting, my credit score has fallen another 30 points. The credit reporting agency keeps closing the disputes because Roundpoint Mortgage Company keeps reporting back to each one as the amount is accurate. Which it isn't.
06/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92084	Web
Roundpoint mortgage was the servicer on my account. My taxes were due in XXXXXXXX XXXX They sold the servicing of my mortgage on XX/XX/2022 to XXXX XXXX XXXX I received a letter from the state saying that I had not paid my taxes and now I am delinquent on my taxes. When I reached out to Roundpoint they said they accidently paid XXXX XXXX instead of XXXX XXXX XXXX. I emailed them the past due notice on XX/XX/XXXX. I have followed up with ever week since I sent the email with the notice. They keep saying they are waiting to hear how they are going to get the money back from XXXX In the meantime, my taxes are in default and I could get a lien placed on my home.
01/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75063	Web
I pay my mortgage through automatic-bank withdraw monthly. On XX/XX/2020, we paid additional extra {$2000.00} as principal through my bank. However, Roundpoint mortgage withhold my payment. Claimed and decide this {$2000.00} will pay for next month 's and payments after XXXX. They claimed I can only use their specific link to pay off the principal. No where in my statement has instruction on how to pay extra principals. I have right to decide what to do with the extra money. I did not instruct them to withhold my money and pay future interests or principal. XX/XX/2020 requested them to update my payment as extra principal. Roundpoint denied to my request.
06/29/2019	Yes	Debt collection Mortgage debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46217	Web	Older American
I retained an attorney as a result of overcharges and overbilling to my escrow account for taxes and insurance. My attorney XXXX XXXX XXXX XXXX has contacted the Mortgage Servicing Company, Roundpoint, on numerous occasions and requested they contact. I have also made the same request numerous times. Despite this I received a call onhttps : //www.consumerfinance.govXXXX XX/XX/2019 which I answered, informed the caller who stated he was from Rounpoint that I had an attorney, gave his name and told him to speak to him and hung up. I received another call the next day and the same thing happened. I called my attorney to inform and he wrote complaining of this.
05/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98225	Web
Mortgage was sold/transferred from XXXX XXXX XXXX ROUNDPOINT XX/XX/XXXX. First statement of XX/XX/XXXX from RP indicated a past due balance. Each statement after still shows a past due balance. Escrow is not in question as that was transferred as well. -There is no way to reach a live human operator on their phone number. -Ive emailed at least three times for help, -asked for appt phone call with Office of President , and -submitted a written Notice of Error. Auto generated email responses were received but have had zero live responses. I do not want this to appear as my fault. ROUNDPOINT mortgage is awful and has no customer services. Thanks,
12/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AZ 85298	Web
In XXXX 2016, I requested removal of PMI and was informed it would be removed after the XXXX payment. It was not. Then weeks later informed to submit an additional request. I did that and still nothing has transpired. Your customer service continues to tell me it is in process. The only requirement for my loan currently is it be under 75 % LTV which it is based on the appraisal you have already obtained yourself. No one can provide me with a reason as to why it has not been removed. I have been on the phone for hours with your customer service line and I am still on hold. I submitted payment today including PMI and expect that to be reimbursed to me.
06/30/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33823	Web
I got my home insurance quote on XX/XX/XXXX and immediately got in touch with these guys to make sure the payment was sent promptly as it is due on XXXX as I've read the reviews on how slow Roundpoint is. Today XX/XX/XXXX the payment to the insurance company has not been sent although I have more than enough funds in my escrow and am paid up to XXXX. I've called about 9 times since then and all they tell me is that the payment would be sent soon but nothing. I even had the insurance agent call them and they said the same thing. I can not play with fire as I live in florida and homeowners insurance is not easy to find here. Hoping someone can help.
04/02/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90064	Web	Older American
We have tried to do a loan modification for years with RoundPoint. We were approved 3 times for federal assistance programs only to be denied by their investors. Recently I have tried to apply for a loan modification have have submitted the applications 4 times because they seem to not process the documents on time and state the application is now expired and have us reapply. Because we had so many issues with their documentation process we started working with XXXX a HUD approved agency. We are encountering the same problems were we submitted the same documents 3 times and they insisted have not been received. XXXX advised is to file a complaint.
09/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 177XX	Web	Older American
For over 20 month I was unemployed and I was behind with my mortgage. Original mortgage servicer was XXXX XXXX XXXX and the mortgage was transferred to Poundpoint Mortgage. XX/XX/XXXX I received a trial modification plan. I paid the trial plan on time XX/XX/XXXX when mortgage was modified. In accordance with Making Home Affordable program if the mortgage is modified the late payments shall be removed from the Credit Reports. Roundpoint Mortgage is still reporting my mortgage delinquent impairing my credit score and preventing me from getting credit. Roundpoint Mortgage is violating the clients wrights see the link below for victims XXXX XXXX
12/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27513	Web
Hi, I made a mortgage payment twice accidently in the month of XX/XX/XXXX. I brought this issue to the mortgage company and they issued me cashiers check in the month of XX/XX/XXXX. Unfortunately, I didn't deposit the cashier check and it got void by the time of deposit in the month of XX/XX/XXXX. I called the mortgage company to reissue a check because I can't deposit the void check. The cashier 's check was with me and it is not deposited for sure in my bank account. The mortgage company was told that the check was cashed. I called so many times and they are not responding properly, I feel that it is a kind of harassment because I am a XXXX.
01/05/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 816XX	Web
On XX/XX/XXXX Roundpoint made a disbursement from my mortgage escrow account in the amount of {$250.00}. I have followed up with roundpoint several time in a attempt to find out who the disbursement was to and why there was a disbursement. They have been unable to answer either of the questions so I have asked for a refund to be sent to me for the same amount ( {$250.00} ). On XX/XX/XXXX after talking to roundpoint 's customer service I was told that a check would be sent to me and I would have it in the next XXXX XXXX. it is XX/XX/XXXX and I still do not have not received the check or received answers about why or who the disbursement when to.
03/26/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	AZ 85308	Web
During the Coronavirus crisis many mortgage companies are waiving up to 90 days of payments Roundpoint Mortgage in South Carolina is operating in Arizona and had recently acquired my daughter 's mortgage When she called to today because she recently was laid off because of Coronavirus and was seeking help Roundpoint told that they would give her a 90 day grace period but on day 91 she would be required to repay the past 9p days as well as her current payment and failure to do so they would foreclose on her home How does this happen? Is this legal? We have friends and family who's mortgage companies have waived 90 days We need help immediately
05/03/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92065	Web	Older American
I have been attempting to do a short sale with Roundpoint Mortgage for over 2 years. I have a cash buyer and have submitted all the required paperwork to Roundpoint Mortgage and they will not tell me if the short sale is approved. I spent over 30 days submitting every document they asked for. They told me that on XXXX XXXX 2016 they has all the documents needed and that now it would be up to 30 days to " process the short sale ''. They continue to stall and drag this out until my buyer moves on to another property. I am working with my XXXX cash buyer and he is about to walk also. This company needs to be reprimanded for the way they operate.
02/10/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32708	Web
Roundpoint Mortgage didn't transfer my entire escrow balance to my new servicer when they sold my loan. They claim that they issued a check for the difference to me on XX/XX/XXXX. On XX/XX/XXXX, I reached out to Roundpoint Mortgage as i had not received the check. They said since it had been more than 30 days, they would reissue it. I called again on XX/XX/XXXX as I still had not received the check. The customer service representative said they would reissue the check and I should receive it by the end of XXXX. As of today, XX/XX/XXXX, I still have not received the check for {$110.00}. Roundpoint Mortgage has not provided answers as to why.
03/06/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	NY 13090	Web
The mortgage company ( Round point ) failed to set up payment of my homeowner 's insurance through my escrow account, but still charged me monthly for the escrow payment. When it came time to renew my policy the money was automatically withdrawn from my personal checking account. The insurance company has sent numerous invoices to roundpoint at theirs, mine, and the insurance companies request so it can be paid through escrow and my personal account refunded, but after many weeks round point has failed to do so. They have requested the information and my account notes show the insurance company has contacted them about this many times.
10/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77469	Web
I called my mortgage company about what was needed to remove pmi and I was told that my loan to valu ratio needed to be below 80 % for pmi to be removed. I then scheduled an appraisal through Roundpoont Mortgage ( my lender ). The appraisal came back at 79.5 % but the pmi removal was rejected for reason that the loan to value needed to be at 75 % or below. This was obviously different that I was originally told so I called and a manager listened to the call recordings and she confirmed that I was misinformed but they still would not honor the pmi removal. I feel that this issue was unfair to the consumer and that the pmi should be removed.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CO 80831	Web	Servicemember
Im XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to RoundPoint. Neither company properly informed us this happened. In the meantime RoundPoint called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to RoundPoint not keeping their word.
04/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 085XX	Web
I requested removal of PMI several months ago. I filled out the proper forms, had an appraisal and paid the difference while on the phone with the mortgage company to bring the LTV below the required percentage to remove the PMI. However, they have not removed it and continue to give me all kinds of excuses and processing delays although when I paid down the difference I was told it would take up to 2 days ( that was over 2 months ago ). I'm beyond frustrated and I continue to pay the PMI even though I've met their requirements to have it removed. I've called at least a dozen times. At this point I feel they are purposely not removing it.
01/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX XXXXX	Web	Older American, Servicemember
I was under the impression my mortgagor would draft my bank account twice per month (24 payment per year) rather than every two weeks (26 payments per year). In XX/XX/XXXX, they drafted my account on XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, and XX/XX/XXXX $XXXX. The last draft, just 8 days after the middle draft, put my bank account into an overdrawn position. I fear that Round Point will now draft two additional payments during the month of XX/XX/XXXX.I believe RoundPoint Mortgage has violated financial and consumer protection laws. I have notified them I am filing a complaint with the Consumer Financial Protection Bureau to this effect.
06/29/2023	Yes	Mortgage FHA mortgage	Closing on a mortgage	NY 11003	Web
Closed on home XX/XX/21 with Roundpoint Mortgage. XXXX ( XXXX XXXX ) did not lock rate at 2.875 as he was supposed to and then tried to lock in 3.00 % which I did not agree with and he refused to honor the 2.875 % I had to beg to speak with his supervisor ( XXXX XXXX ) who then agreed to the 2.875 % rate. However, they did not inform me that I would be charged for the rate. They added an additional {$4200.00} ( 0.78 % ) onto the closing costs the day of closing. This is illegal, they were supposed to inform me they would be charging for the rate and provide the disclosure at leat 3 business days before closing - not the day of.
05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80108	Web
Round Point mortgage servicing refuses to acknowledge two inaccurate late payment marks on my credit report. I have been trying to get information and resolution for over a month. I have filed disputes with all three bureaus as well. Most recently I spoke with XXXX and was bounced around a call center for an hour. Still, nobody is able to help me. This is fraud on the part of Roundpoint mortgage servicing, and some quick research shows that they are a cut rate institution, and I am not alone in my complaint. I am under contract on a home, and their inaccurate and disingenuous practices are preventing me from obtaining a loan.
03/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 326XX	Web
my home need {$6700.00} of escrow every year. All of the sudden Round point mortgage company want to add around {$8000.00} to my escrow knowing that my home insurance, my house tax, and my PMI is not changing. I called the Bank and No body is able to explain to me. They just read the letter again to me and do nothing as they are not professional bankers!! its like someone in XXXX is answering my questions. This bank has no local office or no one who can speak with no accent to help me around. I can not pay extra {$8000.00} for my mortgage monthly payment I told them just come and take the house and of course they did not care.
09/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33897	Web
Every month I send RoundPoint Mortgage Servicing Corp. an additional principal payment besides my monthly mortgage payment. I send RPMSC each month two different checks to avoid any confusion. One of the checks carries the inscription " additional principal. '' This is what it does with this extra payment : it places this additional principal payment every month in a " suspense/unapplied fund account. '' For instance, RPMSC received on XXXX XXXX and additional principal payment, it 's still on on a supense account as of XXXX XXXX. I had complained to the company several times about this and other problems without any success.
10/18/2017	Yes	Mortgage VA mortgage	Problem with a credit reporting company's investigation into an existing problem	XXXXX	Web	Servicemember
Roundpoint mortgage company sold my loan to XXXX. I was never notified. For 5 months my mortgage was not paid ( it was on XXXX XXXX. I do not live in the XXXX and only found out about this when a XXXX XXXXXXXX XXXX contacted me about foreclosure. Since then, I contacted XXXX and paid the 5 months I was delinquent by phone. The very next day, and everyday since, I have tried to access XXXX XXXX website and it doesnt work. I have read tons of complaints about this company and am worried they didnt process my payment or some other shenanigans with my account. Please help. I would like to file complaints against both companies.
11/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78230	Web	Servicemember
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
12/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 211XX	Web
Our mortgage has been with Roundpoint Mortgage for several years and we have never missed a payment. I get repeated calls from them as " payment reminders '' even though the payment is not late. Today ( XX/XX/2016 ) I received 2 calls from Roundpoint Mortgage ( XXXX ) within 30 minutes. I have our bank account set to automatically pay the amount due prior to the due date every month. As I said, we have never missed a payment or been charged a late fee. When I spoke to the second person today she said they would continue to call me until they get the payment, like I 'm a deadbeat or something. It is total harassment.
10/13/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60174	Web
I have contacted my mortgage company roundpoint consistently over the past 2 months to try and resolve my escrow issue. I have asked repeatedly for a copy of my original documents to be sent to me but have yet to receive those, or find a resolution for my account. I have now been assigned to 3 different customer advocates none of which are ever available for calls nor do they return my calls. In the interim I have reached out to customer service to try and resolve this but have been told every time I need to speak with my customer advocate, which never pans out. I am unable to contact anyone or receive a response.
06/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28173	Web	Older American
There are patterns for the Roundpoint Mortgage Service CORP to charge the customer whatever they want and whenever they want to, without disclosure or knowledge of the customer. There is a {$15.00} fee never disclosed to me, after I have found it, I requested it many times for the reasons. no one would be able to tell me what is it and never send me the detail as they promised. Just charge it anyway and rolled it up to loan modification. Finally, a lady said it was the home occupancy inspection on XX/XX/2021. That is XXXX because I was asking to exit forbearance starting in XXXX of XXXX calling them every week.
01/29/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19067	Web
my Morgage company ( XXXX ) changed service company to Roundpoint morgage services company. The electronics payments still went to the former service agent for three payments. XXXX and there agent were listing me as default, and charging me late fees and threatening foreclosure. I worked with my Bank, proved that all the payments were made after 7 phone calls and two years with promises to correct this, and the fact the the prior servicing agent sent two of the three payments to Roundpoint, and the fact that I have reconciled receipts, they are still charging me late fees, and not crediting the third payment.
12/22/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH XXXXX	Web
We paid off our loan on XXXX/XXXX/16. They held on to our escrow money until supposedly disbursing it on XXXX/XXXX/16. It 's now 24 days since disbursement date and 42 days since paying off the loan and we still have n't received any funds. This should have been part of the settlement of the pay of the loan, not something where they hold on to my money for months after paying them off. I 've reached out to them 7 times now. I receive no communication back from them. The only time I got a hold of them, they told me to wait another week and I should get it. That was on XXXX/XXXX/16! It 's now XXXX/XXXX/16!
05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78023	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
05/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33023	Web
They trying to change the term of the loan agreement I have pay my insurance and my taxes separated and they forced me to get the insurance together with the mortgage I been having making payment on time I have receipt and they send me a letter telling me that I am behind XXXX and if I do n't pay in 30 day they will trying to do forcloure and I call them and know they said it 's a mistake that they will let me know later how much I owed them I want them to stop forcing me to have the insurance and mortgage together and explain to me in details all my payments we never received details of my payment
05/29/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33018	Web
Loan Bank RoundPoint Mortgage Servicing Corporation Loan Number XXXX Good morning I wrote 3 emails to the Bank ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with NO response. My loan is PAID OFF, however : 1. I haven't received any documents ( email or mail ), regarding the release of my loan 2. On my portal account said I owe {$7.00} and my next payment of {$580.00} is due on XXXX. Is the Bank charging me OVER interest, in a Loan that doesn't exist 3. Also I received an email on XX/XX/XXXX, because the Bank is shopping for an Insurance for my loan that is already PAID OFF Thanks in advance XXXX XXXX
10/05/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32940	Web
I received a collection call at XXXX XXXX this morning from Roundpoint Mortgage. They hold the mortgage on my investment home. I had n't paid the mortgage this month because the website was down. It would not let me in. Mind you, the loan is up to date and paid every month. It 's a courtesy for them to do this. I find it insulting. I have never been late and my credit score is over XXXX. They could have cared less. They carried on about if there is a problem, they want to be there to help. I continued to tell them about the website and said I had just gotten out of bed and had n't tried today.
11/28/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AL 36116	Web
My loan is at XXXX % XXXX as of XX/XX/XXXX When i fist noticed my XXXX was below XXXX %, I reached out to Roundpoint Mortgage XXXX to request to remove the PMI, nothing was never done about it. This was done back on XX/XX/XXXX I had made several attempt via email, chat options, and via phone but none was successful. I have made a total of XXXX attempts At this point what should I do next to resolve this matter. I really don't want to refinance into another loan company at all. The federal law states when the loan is below XXXX % PMI is automatically removed. and I have a conventional loan.
09/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46239	Web
I previously filed bankruptcy and my bankruptcy has been discharged but Roundpoint has refused to speak with me about my account. I have sent in multiple request about my billing statement, my discharge, and just trying to speak with a representative. The representative states I and my wife needs to contact my lawyer and/or trustee. I feel I have been going in circles trying to obtain a simple billing statement. My lawyer submitted a letter to Roundpoint stating I can speak on behalf of my account since it was not included within my bankruptcy. Roundpoint has received my discharge paperwork.
04/13/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	HI 967XX	Web
I am experiencing financial hardship and requested a loan modification as a result of the COVID 19 crisis and request my mortgage service lender ROUND POINT MORTGAGE to reduce my monthly payments as outlined in the CARES ACT and XXXX XXXX covid disaster relief fund. I am not interested to postpone or delay my monthly mortgage payments. Round Point ( LOAN # XXXX ) is not working with the loan investors XXXX XXXX to reduce my APR and reduce my monthly payments to assist me to stay in my home and continue to make affordable monthly payments as I have requested a hardship loan modification.
11/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21093	Web
My loan was transferred from XXXX to Roundpoint Mortgage Servicing. They took the initial payment after transfer ( have my bank statements to prove it ) and now they are trying to charge me double the next month, slap me with a late fee, and likely ding my credit. I can not get anyone on the phone or an email response back. Instead it just pushes me to make the double payment on their automated phone system. I even called last month in advance to confirm the transfer was successful and a rep assured me it was fine and went through. This is absolutely absurd and I need this resolved ASAP.
07/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30224	Web
We were required to purchase PMI at ten time we got our mortgage in XX/XX/XXXX. At that time our home appraised for {$270000.00}. The current principal balance on our home is {$200000.00}. As we understand, PMI should have been removed automatically when the LTV reached 78 % of the original appraised value. After noticing that the bank did not remove our PMI, even after the principal fell below 210,000, we filled out the banks request form to remove the PMI and emailed it as instructed on XX/XX/XXXX. We have received no response. We have never missed or been late on a single payment.
05/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 46614	Web	Servicemember
Roundpoint Mortgage has been charging me an additional {$20.00} per month for " charges and fees ''. I have never been late on my mortgage and I have no way of contacting Roundpoint because they have sold my loan to XXXX XXXX. I called XXXX XXXX and they have no explanation of the {$120.00} charge on my mortgage statement but are unwilling to remove it from my account. I can only access one year of mortgage statements on the Roundpoint website since they sold my loan and their phone system is not set up for former customers to call. When I enter my loan number it disconnects the call.
05/30/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33023	Web
According to the mortgage company they claim we have lapse in our hazard insurance policy and is not true I conctact my insurance company and spoke to them they said we was fully insurance the entire year nd they send me my declaration page I been insurance with this company for 3 years and the mortgage company claim that we had a lapse an claim that we paid them XXXX or they will make foreclosure on my property I send proof before and they stop harrasing me and know they start again here the evidence again please help me with this situation and do not altered the terms of my loan
09/05/2022	No	Mortgage Conventional home mortgage	Trouble during payment process	IL 60563	Web
On XX/XX/22 - RoundPoint Mortgage sent me a letter stating that my mortgage will be transferred to XXXX XXXX XXXX. They also cancelled my autopay with RoundPoint mortgage that was supposed to withdraw funds on XXXX. That is very little time for me to act so I can avoid a late payment. I don't even have information regarding fifth third bank and my payment is due on XXXX. That is gross negligence setting so tight limits. How can they send me a mortage transfer notice XXXX days before the payment is due and stop the autopay? This is unacceptable and improper treatment of customers.
02/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 145XX	Web
I have repeatedly called and emailed Roundpoint Mortgage in order to have PMI removed from my loan. They keep telling me a XXXX will be scheduled ( picture taking session ) but then it never happens or they cancel the appointment for now reason. I have given them comparables and a list of upgrades to my house which is proof i shouldn't have to pay PMI. I originally started this process on XX/XX/2021 and have emailed them XXXX times and called twice since then. The emails do not get answered and the representatives tell me someone will contact me about the XXXX and it never happens.
02/23/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 211XX	Web
On XX/XX/2019, XXXX issued a Notice of Intent to Foreclose for my property, despite the fact that I submitted an application for mortgage assistance on XX/XX/2019. My application, submitted to the identified email address within the XXXX website, remains unacknowledged. XXXX has circumvented their responsibility to me, the borrower, by ignoring my request for assistance, and has proceeded directly to a notice of Intent to Foreclose. This is illegal, isn't it? Email submission including Application for Mortgage Assistance attached. Notice of Intent to Foreclose attached.
11/22/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	LA 70663	Web
My brick was messed up from the hurricane in XXXX of XXXX My lawyer got us a settlement and my portion of it was $ XXXX. I received $ XXXX. This new mortgage company that took over in XXXX has held the remaining XXXX XXXXXXXX requesting other repair documentation before releasing funds. I explained that this was a settlement and not just a repair check. Now its almost two months and they arent budging. I requested to hire an inspector but they need documentation first. I still owe my brick contractor $ XXXX and he will put a lien on my house if something dont happen soon.
11/29/2017	Yes	Mortgage VA mortgage	Trouble during payment process	WA 98290	Web	Servicemember
On XXXX/XXXX/XXXX I made a payment to XXXX XXXX. This mortgage was then sold to XXXX XXXX mortgage company on XXXX/XXXX/XXXX. XXXX XXXX does not show that I made a payment on XXXX/XXXX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from XXXX XXXX showing that the payment was received. XXXX XXXX is saying that XXXX XXXX never forwarded them the payment. I have reached out to both XXXX XXXX and XXXX XXXX several times over the last two months and have not gotten any response.
04/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30328	Web
We have a mortgage with Roundpoint Mortgage Servicing. Apparently the escrow balance changed which changed our monthly payment. Roundpoint has debited our XXXX checking account for the old amount, but will not apply this to our payment. They have not called, emailed or otherwise contacted me or my wife. Now they have added a " late payment '' fee and consider the account overdue and " in default. '' I have emailed them over 20 times on their site and they have not read or responded. I have called and left messages as per their instructions and nobody has called me back.
11/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DE 19711	Web
My mortgage company, Roundpoint Mortgage, is very incompentent. I provided needed flood insurance documentation multiple times to the email addresses provided, with proof. They still assesed flood insurance to my escrow, after receiving proof. Since working with a bad customer service experience I have received XXXX different revised escrow analysis statements with no explaination. Calling them is no walk in the park. The real kicker is anytime you go to make an on-time payment they asses an NSF fee automatically within their on-line payment system. That is just wrong.
03/14/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 31721	Web
I have a home which was damaged by water. We received the homeowners insurance proceeds. These proceeds were made payable to me and the mortgage company, Roundpoint mortgage. We have provided Roundpoint mortgage all documentation to release said funds so we can get the repairs done and move back in the home. Each time we call to see what the delay is, they request for additional documentation on the contractor. We are behind on the mortgage and are submitting a loan modification, but we really need Roundpoint Mortgage to release the funds so the repairs can be done.
03/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92506	Web
My home was sold on XX/XX/XXXX to Roundpoint Mortgage There was a overage in the escrow account. I placed a forwarding address with the USPS prior to XX/XX/XXXX and also gave Roundpoint mortgage my new address. They stated the overage check was returned on XX/XX/XXXX. Which I was not informed of till XX/XX/XXXX. They will not let me speak with anyone in the escrow department. And stated they can not find the returned check. They stated it will take another 10 days yo stop payment and reissue another check. I am currently unemployed and need the monies owed me.
05/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80504	Web
Roundpoint mortgage, like all mortgage companies, is required to refund my overpayment to me within 20 days of closing. They took 34 days to write and mail my overpayment check and I still havent received it 6 weeks after closing. They say I need to wait for it to come in the mail still and that they had trouble getting them out in a timely manner because of some escrow review issues they were having in house - not involving my loan specifically because I dont have my taxes and insurance escrowed. They got all the checks out late last month which is unacceptable.
10/30/2020	Yes	Mortgage FHA mortgage	Problem with a credit reporting company's investigation into an existing problem	TN 38305	Web
I applied and was approved for a covid 19 forbearance plan. Start date XX/XX/XXXX through XX/XX/XXXX. We recieved the approval email from the lender. The next month our loan was sold to another company. The forbearance remains in effect but my previous Mortgage has made an error and is reporting incorrectly that XXXX is past due. Per the email while on forbearance, late fees would stop and reporting would show current to credit bureaus. This has not been the case. I have never been 30 days past due on my mortgage and this needs to be updated as soon as possible.
08/15/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 21208	Web	Servicemember
My attorney has been working on my behalf for a short sale. In reading the notes on the constant delays with Roundpoint my attorney escalated the issues to a supervisor " XXXX ''. Based on the notes my attorney was never advised about HUD revisions in a timely manner only that variance was needed from HUD. As a result of ROUNDPOINT not giving this information to my attorney they asked to speak to the processor directly. The supervisor XXXX rudely declined this request. WHY??? I am the homeowner and the attorney is working on my behalf. This is unacceptable.
06/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40299	Web
We wanted to pay our Escrow ourselves starting in XX/XX/2019. It is XX/XX/XXXX and they are still taking money and putting it into escrow. We have contacted them each month to discuss the issue, and they will not resolve it. On the phone, they understand ( sometimes ), they have made mistakes, but when the bill comes in the mail, it is still not correct. Getting through to them on the phone has been an issue as well. Each person is new and does not understand the history behind the loan. We need to resolve the issue so NO escrow is taken from our account.
03/11/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19026	Web
Our house was already foreclosed on and we were evicted. Thing is we paid XXXX XXXX XXXX thousands and thousands of dollars to stop it but all they did was file repeated attempts for backruptcy then offered to buy our home and rent to us. Then the night before our eviction, our representative XXXX XXXX called and said nothing would happen, we were fine. Lies, because the sheriff evicted us. If XXXX had done his job he would have seen the assignments on 6pur deed were invalid. Now Mr XXXX has asked me for money to clean up our credit rating. Unbelievable
09/18/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60624	Web
Im XXXX XXXX and has lived in my home since XX/XX/XXXX Im XXXX years old and is struggling to keep up with my payments I contacted Roundpoint mortgage and tried to get a loan modification and was denied due to my inability to understand the application process i feel as though Ive been unfairly denied by Roundpoint mortgage company after contacting the XXXX XXXX XXXX to gain entry to the XXXX XXXX XXXX for Assitance with my payments Ive been unable to maintain my normal income due to health related issues i really appreciate mercy on this matter thank you
03/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT XXXXX	Web
Problems have existed in my account since XX/XX/2017. Monies have not been properly credited to my account causing all kinds of problems. Working with the company has resolved some problems, but others still exist with new problems being created. The company has failed to correctly balance my account. One new problem is the amounts reported to the IRS on Form XXXX. Even after filing a corrected Form XXXX the amount reported for interest paid on the mortgage is still wrong. It only includes interest paid through XX/XX/2017 and not for the full year.
05/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92065	Web	Older American
Have been trying to complete a short sale for over 2 years with Rounpoint mortgage. As of XXXX XXXX they have all documents to make a decision. It has been 53 days now and they still will not make a decision or respond to me. I was told they would approve or decline the short sale in 30 days after they have all docs needed were received. I have a cash buyer ( XXXX cash buyer that has tried to purchase the property ) and he is not going wait much longer. This is not how any mortgage company should be operating. I do n't know why it is taking so long.
06/05/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28104	Web
For the FOURTH month in a row Round Point has incorrectly applied my payment and made collections calls to me that are false. They have received the TOTAL amount of my mortgage payment BEFORE the due date but refuse to post it unless I make a phone call. They seem to be trying to do this in an effort to fraudulently charge me late fees. I've tried calling customer service on Thur XXXX and was told the mistake would be corrected. I then received a call on XXXX stating that my " payment couldn't be received '' but the rep wasn't sure what to do next.
10/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 201XX	Web
I have noticed a large number of Misapplication Reversal entries on my mortgage records resulting in my principal balance increasing {$1100.00}. I contacted Roundpoint several times to provide a full accounting and written explanation of why the Misapplication Reversal entries were made, where did the funds go, and why did the principal balance increase after the adjustment. To date I have received no response. I am concerned, due to researching similar complaints, that Roundpoint Mortgage is mishandeling Escrow funds and/or mortgage P & I funds.
02/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 230XX	Web	Older American
My mortgage was bought by Roundpoint mortgage servicing corporation effective XXXX. I still have not received a package with my loan number as of XXXX. I called and got a loan number and later got a different loan number via email. I have emailed twice and gotten a response today ( XXXX ) they are looking into this. I am very concerned this will affect my credit rating. The only reason I am unable to pay is I can ; t get a welcome package. I am also concerned because my escrow payments and home insurance are still listing my old mortgage sevicer.
10/15/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	GA XXXXX	Web	Older American
had a home equity loan with Roundpoint Mortgage servicing corp. got in financial bind tried for over one year to work out something with this co. but was told this loan was due and had to pay all of it {$47000.00}. WE WERE CURRENT WITH our first mortgage so Roundpoint foreclosed.we would have loved to stay in our home of 16 years as my wife and I are on XXXX. I just think this co.was unfair to us @ this time our country was coming out of a recession.It has been 7 months since roundpoint foreclosed but has not recorded deed to the property. thanks
06/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ XXXXX	Web
My understanding is that when a company purchases a loan from another loan company, a borrower has a XXXX day grace period during which the borrower can not be charged any penalty or late fees due to late payment. Roundpoint Mortgage during their purchase of my loan also transferred the automated payment details from XXXX XXXX without any agreement by me. I was not given the ability to opt-out, nor did I approve Roundpoint 's processing of my automated payments. Additional details : Roundpoint Mortgage Servicing LLC NMLS ID XXXX XXXX XXXX XXXX
01/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 280XX	Web
My homeowners insurance with XXXX XXXX is due XX/XX/2019. XXXX has already sent the new policy and an invoice to Roundpoint, and Roundpoint has not responded. I have twice emailed the new policy to Roundpoint as well. The online chat for Roundpoint has not been operational for the past few days ( including today ) so you can't get a hold of anyone. I need this homeowners insurance paid by XX/XX/2019. There is plenty of money in the escrow account. I also noticed that Roundpoint just settled a class action lawsuit for lender-placed insurance.
03/18/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94619	Web
I have repeatedly applied for a loan modification from the servicing company.In XXXX of 2021, I was informed that I had been been approved for a modification, but that the appraisal company was unable to contact me to conduct a valuation of the property, so my file was " cancelled ''. I have applied and re-applied since then without success or assistance. I am XXXX and I feel that the servicer has consistently given me the run-around due to my poor English skills. I am submitting this complaint and am will be retaining an attorney as well.
04/08/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 67207	Web	Servicemember
Recently came across a Satisfaction of Mortgage that I received from RoundPoint Mortgage the company to whom I was making mortgage payments to. The Satisfaction of Mortgage was dated XX/XX/2017. I questioned RoundPoint about the paper work and they refused to acknowledge the validity of the Satisfaction of Mortgage, I informed RoundPoint that I would not be making any more payments, the calls and emails stop coming from RoundPoint. Recently I received a petition to foreclosure on my home from a company that I have never had dealings with.
04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA XXXXX	Web
My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. My mortgage was transfered to Roundpoint Mortgage in XXXX of 2019. My XXXX payment that I paid to Roundpoint Mortgage was sent to my previous lender. Roundpoint mortgage then issued me late payments. This caused a trickle effect where as I have unwarranted late payments reflected on my credit report. I then changed banks and set up Autodraft payments. I have enclosed my payments for XX/XX/XXXX in the amount of XXXX. XX/XX/XXXX payment of XXXX. XXXX Payment of XXXX.
10/12/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	MD 21208	Web	Servicemember
AS of XX/XX/2017, I am two weeks late on closing on my short sale because my mortgage company will not approve allowable charges under the terms of the loan. They are claiming HUD wont approve but my attorney has gotten written documentation on the HUD approval for the charges. Roundpoint has been retaliating against the me because I have been sending complaints up the chain because of their POOR practices and work processes. They have held up my short sale or months. These delays are constant RETALIATION and should be against the law.
06/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 296XX	Web	Older American
RoundPoint Mortgage has lost money I have sent to them, miss applied monthly payments and have almost doubled my monthly mortgage payments. Missed paying my homeowners ins. twice causing cancellations of the policies. Refusing to investigate the certified complaint I sent them and now are charging me with late charges when I am current with my mortgage payments which are being mis-applied. I believe if they continue this inept and flagrant behavior in direct violation of the fiduciary laws will lead to unlawful foreclosure of my home.
08/16/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 32073	Web	Servicemember
My mortgage was " sold '' to another lender in XXXX. I 've asked on numerous occasions to please provide a copy of the deed, note, and other documentation ; however, they can not provide evidence or supporting documentation that they even own the property. They can not provide any supporting documentation and do not have any paperwork pertaining to my mortgage ( note, deed, etc. ). I need these documents for legal purposes, my final will and testament, and to prepare to sell my home ; however, the lender ca n't provide them to me.
06/08/2016	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	GA 30180	Web
We are a restoration repair company, we performed repairs on a residential home due to water damage. The insurance company issued us a check with the homeowners name on the check and their mortgage company. We sent the check to the mortgage company, for their endorsement, so they could send back to us so we could deposit in our bank. Then the mortgage company kept the check because the homeowner 's had not made a mortgage payment in a year and a half. The mortgage company gave us false information to get us to mail them the check.
05/04/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 27858	Web
I have never been late on a mortgage payment as long as i have owned a home. Roundpoint Mortgage failed to draft my payment XX/XX/XXXX and then again in XX/XX/XXXX wwhich is adversely affecting my credit. I have spoke to numerous supervisors many times who have said they would correct their mistake and remove the two derogatory items on all three credit bureaus. Now my account has been purchased to another company and Roundpoint Mortgage is refusing to help in the matter after two years of trying to fix and resolve this matter.
10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45224	Web
XX/XX/2020 I recieved 6 credit alerts saying I closed my mortgage account and it took XXXX points off my credit score. I never closed my account. RoundPoint Mortgage transferred my loan to XXXX Mortgage XX/XX/2020. This the second time my mortgage has been transfered from Primelending to RoundPoint and that didn't affect my credit score. My credit reports shows I have no mortgage loan at all {$0.00} balance. From my understanding mortgage transfers are not suppose to have an impact on my credit score. My payments are current.
04/12/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70448	Web
Roundpoint paid my homeowners insurance IN ERROR. Only my principal/interest and taxes were getting escrowed. I tried calling many times and got different reps that all had different solutions. I paid the {$2500.00} back. They are now sending me a refund because I paid more than their INCORRECT escrow analysis statement and are raising my note {$150.00} a month. I can not get a direct line to any supervisor to get this problem corrected. I have been on hold for over 45 minutes waiting for a supervisor as I am writing this.
06/16/2016	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	CA 94560	Web
I have a HELOC account with roundpoint mortgage that was sold to them 6 years ago. And now I need to refinance my house and will need to get the payoff/close letter from them. Despite we 've contacted them so many times via calling/messaging/fax, and I 've never got anything back. Here is my HELOC account info : XXXX. And their contact number : XXXX. I have all the proof that I 've faxed them and also documented all my calls with them. But I never got anything back. Please handle this matter for me. Thank you, XXXX
01/19/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20817	Web
Roundpoint Mortgage servicing changed my monthly mortgage payment amount based on an escrow analysis they said they performed but never sent. Although they have my email address and notified me of a late payment via this email address they did not send notice of the change in monthly mortgage payment. The payment I made was {$54.00} short of the new amount so they " held '' the monthly payment without notice and did not apply to my account. This seems to be done in an underhanded and secretive manner to incur late fees
03/08/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI 481XX	Web
My mortgage company incorrectly reported my payment history as XXXX days late to all three credit bureaus. I am currently XXXX days late, not XXXX. I am requesting this information be corrected immediately. The entire reason for my payments that started falling behind was because Roundpoint did not pay our Homeowner 's Insurance despite it being escrowed. In order to avoid our policy not to lapse, we had to pay our of our pockets. Roundpoint took almost 2 months to rectify their mistake and reimburse us for the error.
04/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 80239	Web
Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower.
10/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 914XX	Web
I received the house at issue in my divorce and have been paying for it exclusively since XX/XX/XXXX. In XX/XX/XXXX, my ex husband declared bankruptcy. Roundpoint Mortgage Servicing has refused to communicate with me about the loan - the amount due, the pay off amount and timeliness of payments. My ex-husband 's bankruptcy was discharged XX/XX/XXXX and it has been closed since XX/XX/XXXX, and still Roundpoint has refused to provide to me any information regarding the loan, despite numerous telephone calls and letters
06/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75149	Web
Roundpoint Mortgage has repeatedly not returned my attempts at contacting them since they have acquired my mortgage loan. Their phone system hangs up on me at least once during each attempted contact. It is now three months into their acquisition and they ca n't tell me whether or not my insurance is lumped into the monthly mortgage payment. They have locked me out of my own account without any sort of notice or explanation. I feel like I have no way of knowing whether or not my mortgage loan is being taken care of.
01/08/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 21030	Web
Roundpoint Mortgage Servicing I submitted my Loan modification application with all proper documentation on X/XX/2017. The company kept saying they did n't receive it or it wasnt complete. During that time they even removed my application and said I had to start over. I resubmitted 13 times and made hundreds of calls over the past few months. They finally said my application was complete on XX/XX/2017. I am awaiting their response now. I believe my application should have been fast tracked and I still have to wait.
08/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 206XX	Web
Roundpoint Mortgage is undoubtedly prolonging my PMI termination request by three extra months as they supposedly conduct an investigation to my original request to them for termination. This appears to me again as an attempt to unjustifiably collect as much profit from a responsible mortgage payer as myself who has never been late or defaulted on any mortgage payments in over 20 years of home ownership with a XXXX plus credit score and a home that well surpasses the original 80 % LTV in todays market for this area
11/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27526	Web
I have been making my payments on time to Roundpoint Mortgage Servicing Corporation since they purchased my loan from XXXX. I made an extra half payment in XXXX. Since XXXX they have not figured out how to apply my payments. They keep sending statements saying I have not paid and keep charging me late fees. I have to keep calling in every month to get this corrected. It also took over six months to change my homeowners insurance with them. I am sure they have reported my " late '' payments to the credit bureaus.
06/22/2020	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	TN 37355	Web
In XXXX of XXXX I started to refinance our home, with a closing date of XX/XX/XXXX and today XX/XX/XXXX I have still not closed or heard from Round point. I have spent the last 2 weeks trying to call and email to get a status on the loan. I have tried my processor and her supervisor with no luck. I have been on the phone holding for 2 hours a day to be hung up on. No one answers emails or the telephone. I have saved every single email and my phone records. This company has no values or customer service skills.
11/20/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX XXXXX	Web
My wife and I have tried to refinance our current mortgage with Roundpoint Mortgage. We have now hit the 4 month mark and they still have not finalized the refinance. I have talked to multiple people and just receive double talk and a promise of a returned call or email but never receive one. We have been prompt in providing Roundpoint with information they request from us but they take weeks at a time before moving on to the next step. I continue to call and ask what is going on but never receive a response.
11/22/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 435XX	Web
I filed complaint # XXXX with Consumer Financial Protection Bureau on XXXX XXXX, 2016. IN this complaint I indicated that I filed paperwork with the HAMP program with Rounpoint Mortgage Servicing Corporation , Inc., and received no reply. I also indicated that I had been working with other organizations and public assistance programs. On XXXX XXXX, 2016, I drove to the XXXX County Sheriff 's office with my fiance, XXXX XXXX, to file a complaint unrelated to this case, and was served foreclosure papers.
05/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 235XX	Web	Older American
I refinanced my home. I contacted the original mortgage company for disbursement of my escrow funds. I was told that they do not disburse the funds until eleven business days after the closing. I was told that this is consistent with federal guidelines. I paid a title company to handle all relevant issues regarding this transaction. I believe that this is an illegal taking and a provision of some federal regulation that apparently allows this company to keep my funds for an inordinate amount of time.
03/23/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33054	Web
Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for {$120000.00} and has gone up to {$210000.00}. The XXXX information is wrong, the loan was sold to a private investor and serviced by different loan servicers : XXXX XXXX XXXX and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed.
08/11/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	KY 402XX	Web
I've requested a payoff statement from Roundpoint Mortgage since they took over my loan effective XX/XX/2021 via phone, email, and fax and they have denied my request. They have had my loan for 7 months now and are advising they will not provide me with a payoff unless I sign a revised loan modification that they created. I have been trying to refinance on my existing loan and Roundpoint is stopping me from obtaining the best possible rates as they are still advised they will not provide pay off.
12/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 81004	Web	Older American
RoundPoint Mortgage Servicing Corporation XXXX XXXX purchased Lender-Placed Hazard Insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX said the XXXX Policy Number XXXX is not valid. The XXXX Policy Number is found in the Mortgagor 's Notice of Insurance ( Evidence of Insurance Coverage Placed ) from RoundPoint Mortgage It shows XXXX XXXX as the insurance company. I have contacted XXXX XXXX XXXX and RoundPoint Mortgage many times without resolution. For further information see complaint # XXXX.
11/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75034	Web
Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent and mortgage company was not communicated to me. Current mortgage company acknowledges this account is not escrowed from inception date. The was and active and paid policy in forced at time of closing.
06/01/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	LA 70058	Web
I, XXXX XXXX entered into a consumer credit transaction with XXXX d/b/a XXXX Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but XXXX d/b/a XXXX Mortgage took cash. Since then, XXXX d/b/a XXXX Mortgage has sold the note to Roundpoint Mortgage Servicing Corporation and is now liable both criminally and civilly.
09/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI 481XX	Web
My Homeowner 's and Taxes are escrowed each month. My Mortgage Company, Roundpoint Mortgage Servicing failed to pay my insurance premium and my Homeowners lapsed. I had to pay this out of my own pocket to get re-instated. I can not get an answer to any of my attempts at reaching this company by phone, e-mail, certified letter, fax or secure message through their website. I can not get any answers from them as to why this happened. The funds are there, they just chose not to pay my premiums.
12/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 190XX	Web
Company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX Current LTV : 77.9 %. Payment History : Current and have never missed a payment from inception. PMI still on loan. Mortgage Company has refused to comply with automatic termination of PMI on loan. Several reminders -email and phone calls - have been made by homeowner to the mortgage company but they have declined the termination in line with Federal HPA regulation on automatic termination of PMI.
03/04/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	PA 16510	Web
Round point sold my mortgage to XXXX XXXX XXXX in the fall. Round point sent the wrong amount for taxes due to XXXX XXXX pa tax office. The money left my escrow on XX/XX/XXXX XXXX the check was returned to round point because the XXXX XXXX tax office does not accept checks that are the wrong amount.. Unfortunately no one told me this and I was never given the XXXX back that they took out of escrow. So now my taxes are late. No one can find my missing escrow. None of this is my fault.
08/07/2020	Yes	Mortgage FHA mortgage	Incorrect information on your report	SC 297XX	Web
I filled for bankruptcy in XXXX and my house with true homes and round point mortgage was not in foreclosure, I was discharged from my bankruptcy XX/XX/XXXX and the house foreclosure hit in XX/XX/XXXX. I spoke to my lawyer over my bankruptcy and he advised me that my bankruptcy cleared my debt to the property and Im seeking the foreclosure on my credit report to be removed due to taking a hit for both a bankruptcy and foreclosure when no debt is due, due to my chapter XXXX bankruptcy.
06/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 337XX	Web	Older American
I sent in my usual mortgage payment for XXXX ... they cashed the check but did not credit my loan. I sent them proof of my payment ( front and back of check ). Now they say they don't know where they applied the money for my account and are " again '' asking me for proof of payment. It's not my problem that they received my check for my mortgage, cashed it, but didn't credit it to my loan. Now I'm concerned my credit score will be ruined ... my normal score is over XXXX!
03/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11572	Web
After our loan was sold to roundpoint mortgage company, we received a letter requesting documentation of homeowner insurance. We faxed the documentation to the number provided on the letter. We soon received a second letter requesting same. We re-faxed, emailed, and spoke with a customer service representative who assured receipt. We just got another letter notifying us of a charge of {$7200.00} to cover costs of insurance because we failed to provide documentation of insurance.
03/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92065	Web
I have been attempting to close a short sale for over 2 years and Roundpoint mortgage continues to stall and delay by asking for documents not needed or have been sent to them. I have had XXXX cash buyers and the last XXXX is about to give up. They send me confusing requests in the mail so I have to call them to find out what they need. I can not reach my account rep by phone and have to wait until call me. When I send them a doc ( by email ) it takes 3 days for them to read it.
03/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA XXXXX	Web	Older American
We need our : YEAR END TAX STATEMENT. We have not received it yet, from Roundpoint Mortgage Servicing Corporation. We called on XXXX/XXXX/16, We were told : in 3 business days, but we did not receive anything. We called again on XXXX/XXXX/16, left and message to be called back but never received a call. We called again on XXXX. XXXX, 2016. In desperation, we tried to set up an online account and were absolutely unable to do so. We also sent a certified letter a few days ago.
07/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07748	Web
Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot ''. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around.
05/19/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web	Older American, Servicemember
Suddenly, got a call from RoundPoint ( in XX/XX/XXXX ) that we had missed two loan payments ( XX/XX/XXXX & XX/XX/XXXX ), but our loan had been sold XX/XX/XXXX to XXXX, not RoundPoint. When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
01/29/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY XXXXX	Web
Over the past several years they have misapplied payments and not taken escrow payments correctly leading to incorrect reports on my credit and wildly changing mortgage amounts. I have frequently tried to address the problem with long phone calls but nobody seems to be able to correct the problem. Requests for documents go to a secure online folder which you don't get an invitation for until after the document has expired. I get wildly disparate statements on the same day.
09/29/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	MD 21208	Web	Servicemember
XX/XX/XXXX : I was supposed to close on my short sale today but I am no where near that because roundpoint mortgage is not providing quality timely responses. They have denied every allowable charge submitted by peace mailing responses. I'm not coming to the table with anymore money. Roundpoint should pay for closing assistance, ground rent, hoa, water assessment as allowable charges!!! If the buyer walks away it's going to be Roundpoint's issue. Enough of the run around!
04/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72223	Web
Our title company ordered a payoff on XX/XX/2019. We closed on our home on XX/XX/2019. The title company called because Roundpoint did not give clear wiring instructions on their payoff statement. Roundpoint Mortgage would not give them wire instructions without us calling to give authorization. The title company has been waiting for them to give proper wire instructions and they are not releasing that information causing a delay in receiving the payoff for our mortgage.
05/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28104	Web
I have paid my mortgage using 2 separate checks from 2 separate bank accounts for years without issue. Round Point mortgage starting servicing my account a few months ago. The refuse to apply my payments. They have my loan listed as past due. They are charging late fees. The due date is the XXXX of each month. The full payment has been in their hands by the XXXX of each month but they refuse to apply it. I've spend more than 1 hour on the phone trying to fix the issue.
01/28/2023	No	Mortgage Conventional home mortgage	Trouble during payment process	IN 47130	Web	Servicemember
My mortgage is being transferred from XXXX XXXX to RoundPoint Mortgage Servicing Corporation and I have not received notification or instruction from RoundPoint Mortgage Servicing Corporation. I am filing a complaint and requesting assistance because RoundPoint Mortgage Servicing Corporation the effective transfer date is XX/XX/2023. I am requesting that RoundPoint Mortgage Servicing Corporation provide notification and instruction concerning my mortgage transfer.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI XXXXX	Web
RoundPoint Mortgage is reporting to XXXX as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.
03/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28306	Web	Servicemember
Roundpoint was negatively reporting on my VA Home Loan during a mishap of payment while XXXX to XXXX XXXX on XXXX XXXX XXXX. I disputed and then filed Ch XXXX Bankruptcy including any debt owed to them. They transfered loan and claim there debt was valid. They are showing improper and illegal late fees and balances according to Service Members Civil Relief Act and the fact that I included them in Bankruptcy. Please delete this account from my credit report.
12/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33647	Web
My mortgage states that PMI can be cancelled at my request at 80 % of LTV or the mortgage company has to cancel PMI at 78 %. My mortgage company has declined to cancel PMI despite having reached the 80 % LTV point. They claim an appraisal is required. I have contacted the loan originator ( loan has been sold ) who has confirmed that a second appraisal is not a requirement. My mortgage company has refused despite multiple phone calls and and requests in writing.
08/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07508	Web
I started the modification process with roundpoint, they are giving me the run run around for the longest time first they give me a one year trial after making my fith payment they disqualified me because the allegedly did not received one of my payments know every week they send a missing items letter with something different every time. I really need resolution my wife is going through XXXX and I 'm sick XXXX. Please help me! My name is XXXX XXXX loan # XXXX
05/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20008	Web
Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me.
03/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 186XX	Web	Servicemember
This company continuously miscalculates escrow and did n't pay the tax bills I sent to them until I reached out to them 3-5 times. To this day, I have sent XXXX tax bills and only XXXX was paid with my initial request over a month ago. The XXXX tax bills exceeds the escrow amount so I asked that it be increased or recalculated. Instead, they decreased it. Their customer service is usually awful, and people usually have no clue what I 'm even talking about.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CO 80831	Web	Servicemember
We refinanced our home with One company and they sold the loan to RoundPoint in less than 30 days with out our knowledge. RoundPoint called us and said they were out new mortgage company but never properly officially notified us. We were under the impression their calls were scam or fraud. They reported us late payment after 30 days to all credit bureaus. It was a big misunderstanding. RoundPoint has refused to remove late payments from our credit reports
03/03/2021	Yes	Mortgage Other type of mortgage	Incorrect information on your report	GA 30720	Web
We are trying to get a mortgage and it is showing that we have late payments from Roundpoint all the way up until XXXX of XXXX which is absurd considering our loan was transferred from Roundpoint to XXXX XXXX XXXX as of XX/XX/XXXX. I want all late payments since that date of XX/XX/XXXX removed immediately. I attached an email from Roundpoint stating that our loan was transferred as if XX/XX/XXXX therefore all late payments after that date are incorrect.
01/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89523	Web
Roundpoint Mortgage won't remove my PMI. I bought my house in XXXX XXXX and the loan amount was for {$380000.00}. I made a lump sum payment of {$310000.00} in XX/XX/XXXX. I've paid my mortgage down 85 % to a balance of {$42000.00} and Roundpoint Mortgage is still charging me a monthly PMI of {$120.00}. I tried getting them to stop taking PMI but they denied my request... I've never missed a payment and I have over XXXX credit. Please help, XXXX
11/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44124	Web
In XX/XX/XXXX, I informed RoundPoint that I have paid off my property tax for XXXX. And I requested that they do not try to collect that in escrow. RoundPoint received my request and ignored it. They collected the escrow after receiving my request and claimed that they refunded me in XX/XX/XXXX. In fact, I never received the payment of more than XXXX XXXX dollars. The company refuse to send me the fund after almost 2 years and many many attempts.
04/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 371XX	Web
Roundpoint Mortgage Servicing Corporation refuses to pay our property taxes. I have had a mortgage with Roundpoint Mortgage Servicing Coroporation for XXXX months. No taxes have been paid the entire time. I have contacted Roundpoint Mortgage Servicing Coroporation every day by phone and email for 14 days. No resolution of the unpaid taxes. I now have late penalties and a pending lien on the property due to Roundpoint Mortgage Servicing Coroporation
08/25/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33056	Web
See attachments Round Point Mortgage con - pressure me under duress to signed fraudulent loan modification agreement that was connected with a fraudulent new conventional mortgage Loan that Round Point mortgage Had already taken out without my knowledge in XX/XX/14 it was refinance from a FHA mortgage loan to a Conventional mortgage loan thats where the mortgage fraud also took place along with filing a fraudulent assignment of note benefits claim.
07/08/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TX 77494	Web
Round point mortgage is not giving us our insurance settlement check from our home flooding. We can not fix our home without this money, our home is sitting vacant and unlivable, with no work being done. We are current on our mortgage, always have been, and now are paying for months of rent in a XXXX bedroom apartment. We have XXXX children that want to go HOME! We have called repeatedly and are not getting anything from them, but the run around.
11/11/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	IL 60124	Web
I recently refinanced my home mortgage. The payoff exceeded the balance of the note by {$2000.00}. The loan paid off was serviced by Round Point Mortgage Servicing Corporation. The loan was paid in full on XXXX/XXXX/2015. As of today I have not received the balance of the overpayment nor have i received a date as to when I will receive my funds. I have spoken to RPM 's customer service and have yet to be the beneficiary of any of their promises.
10/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web	Servicemember
RoundPoint Mortgage is Inaccurately showing no data on payments made on time all through the year of XXXX. We made our payments on time since we closed on our home on XX/XX/XXXX and data is available to reflect that we made our payments on time in XXXX. We did not request a Payment Plan until XXXX XXXX and this was paid on time as well. We are requesting that our payments be updated for XXXX, as they were timely made to RoundPoint Mortgage.
05/04/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	DE 19963	Web
Roundpoint mortgage servicing company. Took.unathourized double payment for the month of XX/XX/ 2020. I was told by a supervisor that they put my money in principle payment which they then claim their system does not allow for reverse charges. This was quoted in presence of XXXX XXXX employees. The total amount taken from me is XXXX. I absolutely did not give permission and they have not sent me confirmation of what they did with my money ...
10/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37934	Web
The outstanding balance on my mortgage has been below 78 % since XX/XX/2021. My mortgage service company in a previous phone call indicated that this would happen automatically. Now after not doing this, they are saying I have to fill out a form. My understanding is that they are obligated to remove PMI when my balance is below 78 % of the original purchase price of the home. My mortgage servicing company is RoundPoint Mortgage Servicing
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33054	Web
I have sent number emails and I called Round Point Mortgage. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.
02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95020	Web
I have a loan with ROUNDPOINT MTG XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and ROUNDPOINT MTG with no successful resolution. XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
01/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85029	Web	Servicemember
We have been having issues, the same ones for years. We paid our escrow total and they misapplied the funds. we paid XXXX to principle and they misapplied the funds-AGAIN. We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan.
06/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 74136	Web
We have sent checks to the notice of assignment, sale or transfer or servicing rights address. The checks have been cashed. I have copies of the returned checks. Now another lender who claims they are lender are now calling and sending foreclosure packages to our house. They refuse to post those items to account. I do n't want to spend any more time or money to fight this, but at this point I think I will have to hire attorney.
07/28/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 074XX	Web
I have contacted RoundPoint multiple times tell them that I have achieve a 78 % LTV ratio and asked them to remove the PMI from my account. RoundPoint told me that they can't drop the PMI until I get a new valuation ( order by them for my home - up to {$600.00} in cost to me ) or 2024 ( final termination ). Under the Homeowners ' Protection Act, the lender is required to cancel your PMI when the loan reaches a 78 % LTV ratio.
10/06/2020	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	FL 32164	Web	Servicemember
I was overdue on my mortgage payment just past 30 days. Roundpoint Mortgage reported it to the credit agencies. This was back in XXXX of 2018, I contacted them in regards to having it removed from my report and they stated that it was against the law for them to do so. This negative mark on my credit is negatively affecting my credit score which I'm trying to raise. Any assistance in this matter would be greatly appreciated.
05/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08053	Web
Roundpoint Mortgage Servicing Company says I owe them {$3700.00} which represents an escrow shortage. They assumed my mortagage in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have received XXXX prior Annual Escrow Account Disclosure Statements from Roundpoint ( XX/XX/XXXX and XX/XX/XXXX ) indicating I had a surplus. This is Roundpoints accounting and due diligence errors and I should not have to suffer financially because of it.
02/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92881	Web
I was informed today by my homeowner 's insurance company that my mortgage company did not make the required and properly impounded payment. When I contacted my mortgage company regarding their error I was told they had changed vendors, however they informed me this change had occurred AFTER my payment was due. They were unable to correct the issue and told me my only avenue was to have the insurance company contact THEM.
09/03/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32566	Web	Servicemember
I can not get a human on the phone to talk about my refinance, they changed the refinance term without my approval, no one will help me from Roundpoint mortgage. I have spent 7 days on hold and sent 50 emails.It went from 30 years saving over XXXX a month of my loan to 25 years saving a little over XXXX a month. That makes no sense, I would have never changed from a 15 year loan to 25 to save a mere XXXX dollars a month.
01/03/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60586	Web
I applied for a loan modification with my lender and I was declined because I have a loan modification in 2012. The lender said my lender only allows one loan modification for the life of the loan. I asked who the investor is and the lender refused to give me the name and contact information so i could follow up with them.. This servicer has been known to mislead and I am trying to make sure I am given a fair accessment.
04/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DE 19958	Web
Roundpoint Mortgage Servicer refuses to remove PMI from my account. LTV reached 78 % as of XX/XX/2022, no late payments on my side. According to my mortgage contract terms, PMI is due to be automatically removed once LTV reached 78 %. I attempted to resolve the situation with Round Point, and they insist that I pay appraisal fee and request removal which violates my contract and contradicts Homeowner Protection Act.
07/27/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	OK 73507	Web	Servicemember
My mortgage was transferred to a different lender, who collect my payments such principal interest, and homeowners. As soon as we got a letter from that company we decided to paid our own insurance and cancel the scrow account. That was in XXXX 2016. They has been given us the round around. First we got to proof we were paying insurance and my husband is tax exempt, which we already done that and not luck. Please help
12/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
The company ROUND POINT, was suppose to make my home insurance payment, but they sent the check to the wrong address, or so they say. They wanted me to issue another check, but they made the mistake I tried to speek to someone in the office, but they were giving me the run around, I was STRESSING out. I wanted answers, that's why I contacted your company, PLEASE HELP ME. I want some action takin to this company!!!
10/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33023	Web
I made 2 complaint to consumer financial protection bureau already round point mortgage altered the terms of my loan by escrowing the taxes and insurance and returned my payment no taking my money I want them to remove the escrow account and reimbursed my my escrow money I made complaint on XXXX XXXX XXXX please help me they altered my payment to XXXX and when I sign contract for 30 years I supposed to pay XXXX
03/30/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 34286	Web
During the Irma Hurricane, the mortgage company offered me a XXXX month forbearance without explaining clearly that after 90 days, the full amount of the three payments would be due all at once. I have been complaint with all requirements and payments scheduled and I am now in a repayment plan after being denied and no written reason ( I have been reported to the credit report for delinquency in my mortgage )
06/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60134	Web
I received an email todAy Stating Im falling fallen behind with my mortgage. We noticed that you have fallen behind on your mortgage payment and are concerned that you may have been financially impacted by COVID-19. If you have been financially impacted by COVID-19 and are unable to make your mortgage payment, you may qualify for a COVID-19 Forbearance plan, a temporary suspension of your monthly payments.
07/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40214	Web	Older American
XXXX, from roundpoint mortgage, left a message using my and my wife 's name on a number covered by the Do Not Call List. I called the call back number on the recording and the ( actually really nice ) lady kept referencing a file but kept saying she could not tell why XXXX had called us on our home phone. I could see it maybe being a wrongly dialed number but he stated me and my wife by first and last name.
08/26/2017	Yes	Mortgage FHA mortgage	Incorrect information on your report	AL 35215	Web
my wife and i were approved for the hardest hit alabama program because i lost my job the program agrees to pay the mortgage for us for 12 months round point mortgage has reported to XXXX and XXXX 30 plus days late which is not our fault i attempted to make a payment online but do to the status of the account was unable to because the program makes the payments so it will not allow you to pay the account.
03/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84095	Web
Mortgage Lender Roundpoint Mortgage has raised my monthly payments from US {$2900.00} to US {$3200.00} in XXXX 2016 installment without informing me in advance and without any explanation. My bank has paid the difference in overdraft. I called Roundpoint customer desk and informed me that they can not do anything about it because its the County Tax that was raised and hence the revised monthly payment.
08/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55408	Web
We have been unable to obtain a copy of an appraisal from XX/XX/XXXX. We were charged {$600.00} for an appraisal to remove the PMI from our loan. My wife and I have made numerous requests for a copy of that appraisal. Instead we have been sent the appraisal from when we first purchased our home in XX/XX/XXXX. I would like to be faxed or emailed a copy of the appraisal we purchased from XX/XX/XXXX.
07/31/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	KY 400XX	Web
Refinaced a morgage that was serveced though Round Point Morgage company, the funds were relised to Round point on XXXX. I have contacted Round Point 3 times to ask if the escrow check has beed mailed or dispursed to me. I have not been able to get a solid answer from them. One rep told me they had 20 business day to get the funds to me, two days later a different rep told me 20-30 business days.
03/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28352	Web
I completed a modification packet to my mortgage company, Roundpoint Mortgage Servicing Corp. They sent me the completed modification documents in the mail. They said I had to contact them verbally to agree to it before XX/XX/2022, which I did. The first payment is supposed to be on XX/XX/XXXX in the amount of {$600.00}. Now they are trying to breech the contract, and not honor the modification.
02/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32839	Web
On XX/XX/XXXX a payment amount was made to principal without instructions being provided to do so. Then for the subsequent months the loan servicing provider charged me late fees. I talked to the customer service rep ( employee id XXXX ) on XX/XX/XXXX at XXXX XXXX. She informed me that the firm will not reimburse me the lat fee money. In fact that this is something programmed into their systems
10/03/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95618	Web
On XX/XX/2022 I contacted roundpoint mortgage to request forbearance Becuase of my remote employment is affected and my pay has been reduced due to my employer based in XXXX XXXX, XXXX which an area based in FEMA declared natural disaster area that qualifies for individual assistance. My request was unsuccessful and the agent on the phone was very rude and unhelpful gave no clear answers.
12/06/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 75904	Web	Older American, Servicemember
I pay our mortgage using the bill pay at my bank we have paid this way every since we had the load with no problem all of a sudden we are notified of foreclosure proceedings that the payments have not been paid for 3 months the bank says that it has been paid we have had no notice that the payments were not paid at all just a court date fore foreclosure Evan though the payments were paid,
06/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 633XX	Web
After selling and closing on a home in which Roundpoint Mortgage was the lender, it has been almost 60 days and I 'm unable to get a refund for the escrow balance left on the account. They have given me excuses that " the check is in the mail '', and " we need 10 business days to process '' and now they say they " need 20 days to process the check ''. I 'm getting a huge " run around ''.
10/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21030	Web
I have bad customer service from my Mortgage Servicer and would like to switch to a different one. My account information online is never up to date, their online portal is terrible and the never address any of my concerns. There is a reason they get a XXXX star review on XXXX reviews. Is there a process that would allow me to select a mortgage servicer or a least force a change? Thanks
07/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70072	Web	Servicemember
We have filed several complaints concerning roundpoint mortgage. Roundpoint continue to contact and harass us. Roundpoint refuse to respond concerning a false account. XXXX was supposed to send a response and we have not received, but roundpoint continue to call and harass we just received a call from roundpoint today saying it 's a courtesy call. Please check do not call registry.
07/11/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	KS 662XX	Web	Older American
The title company informed me that Roundpoint Mortgage, XXXX XXXX XXXX XXXX, North Carolina XXXX had 30 days to return my escrow. They took out another payment after closing on XX/XX/XXXX. I received the escrow amount of {$1600.00} today, XXXX XXXX. But they did not include any penalty for over 70 days in making the payment. I requested the penalty a month ago by phone and e-mail.
12/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 280XX	Web
My XX/XX/XXXX XXXX County property taxes have still not been paid. The bill was due XX/XX/XXXX, and now the past due date of XX/XX/2019 is coming soon. I have contacted Roundpoint several times to ask when my property taxes will be paid. They always refer me to the Taxes department, which never responds. There is plenty of money in the escrow account to pay the property taxes.
02/17/2021	Yes	Mortgage Other type of mortgage	Incorrect information on your report	GA 307XX	Web
Round point merged or XXXX bought them out not sure but there are multiple 30 days late, 60 days late, 120 days late on our account when Roundpoint didn't even own our account XXXX did. Now we have sold our home and now can't get another mortgage because of this discrepancy. I want this taken care if. If we didn't have Roundpoint since XXXX how can they report us late in XXXX??
08/09/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
My name is XXXX and I have been dealing with Roundpoint Mortgage for about 1 year to try to obtain a loan modification and have constantly gotten the run around. My loan has been transferred 3 different time to 3 different investors. Based on my income I know I do qualify for a modification If I was given the chance. I believe my lender has violated my homeowner bill of rights.
05/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 365XX	Web
Roundpoint Mortgage sent my insurance premium payment to the wrong company. My provider contacted them and instructed them to overnight it to the correct address. They failed to do so multiple times, and as a result my home insurance was not renewed and my home is not currently covered. Multiple contacts have been made with Roundpoint and still the issue has not been resolved.
05/14/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MN 560XX	Web
Payoff was issued to mortgage carrier RoundPoint on XX/XX/2020 in the amount of {$110000.00}. On XX/XX/2020 RoundPoint took out {$880.00} and applied to our escrow account, now totaling {$1200.00}. Contacted and was informed the {$880.00} was added to escrow after payoff was received, and in closing the account a check would be issued in 20 days in the amount of {$1200.00}.
10/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32780	Web
Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.
02/01/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78254	Web
My loan was sold to them this past month, and I 've been trying to get a hold of them to inquire steps and billing in order to make my first payment. It seems that they have been ignoring my calls, emails, etc. I want to think this company is honest but i 'm finding it hard to think they are. My accounts have been locked, and when I call I 've been on hold for over an hour.
01/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 31210	Web
I closed my bank account. I changed the information in my auto draft. It didnt draft and I was hit with late fees. I called. They said on their end it didnt change but on my dashboard it said it did. Theres no way I couldve known it didnt change on their end. They refused to absolve me of the late fees. They claimed they changed it on their end and its still not working.
09/23/2019	Yes	Mortgage VA mortgage	Trouble during payment process	VA 234XX	Web	Servicemember
My husband and I purchased a new mortgage from XXXX XXXX on XX/XX/2019. The mortgage was transferred to Round Point Servicing Mortgage company in XX/XX/2019. We have made two payments : XX/XX/XXXX and XX/XX/XXXX and are about to make the third payment in XX/XX/XXXX. We have contacted them several times because they are not reporting the information to the credit bureaus.
06/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70122	Web	Older American
Roundpoint Mortgage Service Corporation has not released or returned my Escrow Overage After Loan Paid in Full. As to their promise to refund in 20 Days After Payoff is has now been 40 days After Numerous Calls They Claim it could be an additional 120 days or more and the Excuses and Bold Face Bad Faith Practices Continue Different Story Every Time I Contact Roundpoint
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ XXXXX	Web
I have a loan with CXXXX XXXX XXXX XXXX, ROUNDPOINT MTG, and XXXX/XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, ROUNDPOINT MTG, and XXXX/XXXX XXXX with no successful resolution. There was definitely an error on their part.
10/16/2020	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	NY 11691	Web
Hi i have a mortgage and i was in forbearance for a few months and I tried paying every month but i see i have late payments on my credit report. I am trying to refinanced and I can't because they said i have to many late payments on my report but I wasn't supposed to have late payments on my report from a forbearance. please help me get all these late payments off
05/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	LA 70072	Web	Servicemember
We have requested information from roundpoint concerning payment information this company has refused to follow legal documents and have added all types of additional fees and interest, we have sent in copies of documentation this company refuses to follow and know sent a default and intent to accelerate we have all receipts from making good faith monthly payments
11/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27511	Web
Roundpoint mortgage have taken over embrace home loans now they both have been reporting to all three credit bureau, like i have XXXX different mortgages and they both have me late 3 times witch that is not correct reporting. I have try to fix this with all three of the credit bureau and both mortgage company, but they both is not trying to fix this problem.
02/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06010	Web
Covid relief program with the mortgage company was supposed to postpone payments due to financial hardship, and now after program is over, mortgage company is tacking on XXXX dollars to your bill. And on top of it, extending your maturity date by 10 additional years, charging 10 more years of payments and interest. This is not a relief, this is not help!
09/01/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 22102	Web
I'm on a CARES forbearance. I've been paying as much as a can, I'm currently 30 days behind. My initial 6 month forbearance has been approved, but I've been unable to make contact with the servicer to extend the forbearance. I've sent emails, left voice messages and tried online to extend the forbearance. They do not respond. I'm scared and I need help
04/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89074	Web
My existing loan was recently acquired by Roundpoint Mortgage company. In order to make an automated phone payment they charge {$10.00} ( Ten Dollars ), when speaking with a phone representative they charge {$12.00} ( Twelve Dollars ). The only free option is on the computer or my mail. I feel this is an unfair practice and taking advantage of people.
09/10/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60563	Web
My taxes and insurance has n't changed much at all over the years. However, my payment changes significantly every time their is an escrow analysis. Having a $ XXXX {$400.00} jump in the monthly payment is not insignificant and causes a change in lifestyle. It is frustrating to deal with Round Point Mortgage. They ca n't figure out the right amount.
08/23/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IL 60652	Web
Concerning the " closing '' of a Loan Modification ; client signed a Loan Modification contract in XX/XX/XXXX. Client felt that the transaction was over. In XX/XX/XXXX the mortgage servicer " Round Point '' added a balloon payment at the maturity of the loan. Client was unaware of a balloon when the " Loan Modification '' was signed in XX/XX/XXXX.
07/08/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	VT 054XX	Web
I have attached images and a pdf of all transactions to show dates. The mortgage company, Roundpoint, has on several occasions taken our escrow money as an advance recovery without disbursing the funds. It amounts to approximately {$5000.00}. In the time they were doing this, our fixed rate mortgage went up by approximately {$400.00} per month.
03/22/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	OK 73160	Web
Round-point is belling me for taxes .The Taxes was paid at the closing the people that I bot the house from pawed half and i payed half. now round-point is trying to bill me again for the taxes. They are giving me the run-a-round. I sent all the paperwork to them they still say I them the tax money. I will never do business with the again.
06/20/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TN 38111	Web	Servicemember
My husband passed who was a veteran and I tried to get mortgage assistance to lower my mortgage payment. Round point my mortgage servicer refused to help me with lowering my mortgage payment. I called them a lot of time for assistance with my mortgage. I'm still living in the property and I want to keep my house. I'm elderly and need help
10/06/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10314	Web
In summary, this company, Roundpont, lied to me and told me that my escrow would be put at the end of the loan when we entered into the forbearance during the Pandemic, in XXXX of XXXX. We found out nine months later that we were lied to and our payments were being raised almost {$400.00} or more due to the escrow. See attached letter.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90802	Web
I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts XXXX XXXX XXXX on XX/XX/XXXX with an XXXX balance is not an account i authorized. ROUNDPOINT MTG opened on XXXX XXXX XXXX
06/11/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 78254	Web
Hi Round-point is refusing to send out a payment from Escow to cover my home owners insurance. I have called and till today they still not have sent my payment. When I asked to speak to a manager or someone that can help, they refuse and place me on a 30-45 min hold. I want to document this event in case something happens to my home.
12/06/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	VA 22554	Web
We are attempting to do a loan modification but the lender keeps telling us we need to submit information and we do and then they tell us we are still missing info. This has been ongoing since XXXX of this year. We hired a consulting firm and they submitted our mod documents but the lender is dual tracking on us for the modification.
04/13/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94121	Web
I have a mortgage with Roundpoint. Due to corona virus situation the house is vacant and not collecting rent. I inquired about deferment and Roundpoint offered forbearance with balloon payment after 3 months. This will not help me. I need to add the missed payments at the end of the mortgage or modify remaining mortgage payments.
07/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 210XX	Web
1. In XXXX 2016 I had a case number on cfpb : XXXX. It seems the case was dropped. I am not sure why. Please advise. 2. I forgot the password to get access to my account on cfpb. Cfpb does not allow me to get a new XXXX ( but to reset the old XXXX requiring to enter the old password, weird ). Please advise. Thank you. XXXX
03/06/2022	No	Debt collection Mortgage debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 20601	Web
RoundPoint Mortgage has shared my location information to a third party without my consent. Additionally, RoundPoint has received multiple cease and desist from the consumer and debt validation request with no response. The third party is now attempting to collect the alleged debt and threatening the consumer with foreclosure.
10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77449	Web
I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with Round Point and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.
08/25/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web
Please review Summary of Facts exhibits A, B, C and D and new discovery on the XXXX XXXX Property Appraiser and Government agencies report. Sorry I written on the exhibits just to explain documents if you want exhibits without the writing of explanation I can send copies of exhibits without the writing on them.
05/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	LA 70072	Web	Servicemember
Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.
09/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 177XX	Web	Older American
On XXXX XXXX, 2014 I received from Roundpoint Mortgage a trial modification plan the interest rate offered was 5.5 % acceptedThe final mortgage modification was changed and the interest rate was incised. The Roundpoint Mortgage performed criminal activities and have to closed down the see link below : XXXX
09/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19119	Web
RoundPoint Mortgage Servicing Corp. keeps charging us for flood insurance that we do n't need. We have adequate flood insurance and have provided documentation to them numerous times. They assure us that they have the information, and then we get a bill for flood insurance that they have purchased for us.
07/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60441	Web
I have provided every document to Round Point Mortgage and every time I call in they say they have everything, then I get a letter stating they need something else that I already have sent in. Now I keep on getting told it is in review. We are 60 days out and a BPO has not even been done as of yet.
06/07/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	WA 982XX	Web	Older American, Servicemember
We closed a month ago and now they want to start the process all over again. Also escrow will have to send the money back to new lender. Our daughter died last XXXX XXXX, 2015 and we have tried to get the home sold since then. what can you do to help us please call us at XXXX as soon as possible
11/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 480XX	Web
I am being overcharged ( Corparate Advance Fees ), Home Preservation Fees. My home is being evaluated up to XXXX times this year alone, and I am being charged those fees. Is this really necessary? When getting an appraisal, I know that XXXX is enough. Please help. Could I at least have proofs?
07/11/2023	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	FL 33411	Web
Roundpoint mortgage took over as servicer on my mortgage. I sent the payment to the previous mortgage servicer who forwarded it to Roundpoint on time. XXXX dollar increase in escrow was paid once I was made aware. They refused to remove over 30 day late payment when the payment was not late.
11/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 721XX	Web	Older American, Servicemember
i had my mortgage refinanced with XXXX bank mortgage and they sold it to RoundPoint mortgage and they have refused to provide me with all the terms and condition of this mortgage mainly having a 15 day grace period before payment is due. i feel that they are trying to force me into auto-pay.
04/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IN 467XX	Web	Servicemember
Had a personal hardship. Kept roundpoint mortgage company informed. Started foreclosure before 150 days. Refused to accept payments despite multiple attempts. Would only accept reinstatement. Refused double payments. Would only accept wired money. Added their attorney fees to reinstatement.
04/13/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98178	Web
We've contacted roundpoint mortgage for over a year about removing our PMI. We've sent them forms and emails multiple times via the postal service and email and the refuse to help us and keep giving us excuses about why they can't remove PMI because they haven't gotten the forms or emails.
09/01/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MD 20601	Web
Around XX/XX/2021 I received notice from RoundPoint Mortgage alleging I owed a debt. On XX/XX/2021, I responded with an an affidavit which was received by RoundPoint on XX/XX/XXXX. With no response, I followed up again with another affidavit on XX/XX/XXXX. Still waiting on their response.
08/10/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	LA 70072	Web	Servicemember
Roundpoint have hired XXXX to communicate this information from a debate collector to be used to collect on something that we have requested that roundpoint provide us with validation and disclosure information this entity have refused on every level to lawfully provide documents
10/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32940	Web
Property was sold on XXXX XXXX, 2015. Mortgage servicing company ( Roundpoint ) received full payoff amount on XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the {$2700.00} in escrow funds that should have been released immediately when the mortgage was paid in full.
02/18/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 221XX	Web
I have a mortgage loan which is serviced by Roundpoint Mortgage. We are required to escrow funds for taxes and insurance. Roundpoint paid the insurance bill twice in error. They are now trying to increase my monthly payment to cover the escrow shortage caused by their mistake.
11/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 39110	Web
I have reached the 80 % LTV threshold to remove PMI. Roundpoint is refusing to remove the insurance until XXXX. This seasoning requirement violates my rights under the homeowners protection act. I mailed and faxed my request on XX/XX/XXXX but round point has not acknowledged.
10/11/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08080	Web
I am trying to short sell my home, the buyer is getting ready to walk away because of Roundpoint 's procrastination! I need to get from under this home, I have a law firm helping me, and Roundpoint just keeps saying it 's being review, no one can be actually handling this?
12/30/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28173	Web	Older American
I filed the complaint back in XXXX and a response was " human error '' due to the mortgage being transferred to XXXX XXXX XXXX XXXX has to refund me since I was forced to pay {$120.00} extra. it is 6 months now since XXXXXXXX XXXX claim nothing from the round point
09/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74075	Web
Our home was sold in XXXX of 2020 and our escrow refund has yet to be received. First roundpoint mortgage claimed they sent it to the wrong address and would resend. That was in XXXX and we still have not receive a check. I can not get a response from this company.
10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 393XX	Web	Servicemember
On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX raised my house payments on the original contract from {$700.00} to {$920.00}. the company said I was behind on escrow payments which included property taxes that I do not have to pay due the law that I am XXXX XXXX XXXX XXXX.
01/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 231XX	Web
I had a loan modification done in 2018 and the mortgage company charged me excessively for homeowners insurance ( XXXX ) when I already had homeowners insurance. I just discovered this error and have tried to get it corrected with XXXX for the last XXXX months
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90802	Web
There has been some misconduct on my credit report, there are accounts that should not be on there that i did not authorize to be open. my identity was taken advantage of and i am trying to clear this up. please help restore the good name i work hard to build.
10/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 178XX	Web
Roundpoint mortgage serviceing corporation failed to pay my property/school tax on time, and did not do so & gt ; 30 days after I called the companied and notified their agents multiple times since I found out the delay in the beginning of XXXX.
03/21/2021	Yes	Mortgage FHA mortgage	Problem with a credit reporting company's investigation into an existing problem	MA 02721	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
02/19/2021	Yes	Mortgage FHA mortgage	Problem with a credit reporting company's investigation into an existing problem	MA 02721	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
08/25/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60174	Web
I have tried to resolve my escrow account with roundpoint mortgage mutilple times. They took over servicing in XX/XX/XXXX of 2015 and did not pay the second parcel. They refuse to fix the situation and I do n't know how to get this resolved.
02/13/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11510	Web
I did receive a tax reduction from NY State as well as RoundPoint Mortgage. It has been more than 3 months since I was told ; that they have to run an escrow analyses. Until now nothing is being done meanwhile, my Mortgage remain the same.
12/29/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NE 681XX	Web
We Refinanced or house on XX/XX/2019. It is now with a different company. They have not sent my escrow refund of {$2600.00}. It has been more than 30 days. Round point mortgage service should have sent it and I should received it by now.
05/17/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28104	Web
Roundpoint continues to misapply mortgage payments. Also, there is no clear path through the automated phone menu to address concerns that aren't payment related. It seems they are actively avoiding accepting consumer phone calls.
09/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95608	Web	Older American
The servicing company on my home loan ( Roundpoint Mortgage Servicing Corp. ) is demanding over $ 80.00/month more than required for escrow. Multiple calls and emails have not produced any results other than misinformation.
11/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63368	Web
Since XX/XX/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true.
06/10/2022	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	AR XXXXX	Web	Older American, Servicemember
roundpoint mortgage servicing corporation sold my mortgage to XXXX XXXX corporation but they reported to XXXX that the account was closed as a result this affected my credit score. they did not report they sold it.
02/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33460	Web
Roundpoint mortgage keeps making mistakes in applying my funds to additional principal. Customer service has kept me on hold waiting for a supervisor for over an hour. This is not the first time this has happened.
02/13/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60062	Web
RoundPoint Mortgage Servicing keeps contacting me about refinancing option. I have told them multiple times that I was not interested and they should stop calling me. This happened between XX/XX/10-XX/XX/2020
11/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 210XX	Web
My mortgage lender has been collecting property taxes from me, but I do not see them paid to county. I remain there in my escrow account piling up. Country has started charging me interest on unpaid taxes.
06/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 774XX	Web
Mortgage company roundpoint is not responding to request of closing escrow account and forcing me to keep it open for two years after loan starts even though i meet all the requirement for closing escrow.
12/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 947XX	Web
Despite multiple attempts orally and in writing ( see attachments ) Roundpoint Mortgage Service Corporation refuses to correct erroneous records regarding its timely receipt of mortgage payments.
01/26/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94577	Web
This complaint was closed only because the company provided a response, I provided a response to the company and it was closed with the issue unresolved. Your complaint number is : # XXXX
12/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98223	Web
I have an existing complaint in progress. The company tried to call me and when I called their main line their is no option to speak to anyone. XXXX requesting correspondence via email.
05/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web
I have been trying to get a satisfaction of mortgage letter for over FOUR months. Numerous phone calls with NO RESULTS. Closest thing I received is a verification of mortgage letter.
01/24/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 480XX	Web
Roundpoint claims I have thousands of unpaid escrow and now they are foreclosing my home. They have been terrible to work with and have not been in contact with the township at all!
06/04/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 173XX	Web
I was trying to pay XXXX XX/XX/XXXX to get caught up but was not allowed and since I had to post date my payment I will be charged late fees on funds I was willing to pay earlier
03/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 36869	Web
First I 've never been late on my payment. Never had a claim but they went up on my payment. Servicing of my loan is the cause are my payment increase. * ( PAYMENT WHEN UP )
01/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95973	Web
This mortgage company took over my loan and now there are errors on their billing statement and their voice-mail is designed to not allow a real person to answer the phone.
01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28306	Web	Servicemember
Roundpoint Mortgage is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.
05/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70592	Web
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70592	Web
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.
02/08/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20904	Web
I have tried to get a copy of the 2020 1098 form from roundpoint mortgage for over 1 month. The company refuses to send me my 1098
10/22/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77433	Web
Im trying to work with them on payment owed I reached out on XXXX-18 and was told they would contact me in 30 days. Still nothing.
03/14/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	VA 23455	Web	Servicemember
Notice of Transfer of Mortgage loan was not provided in a timely manner. Transfer occurred XX/XX/XXXX Notice occurred XX/XX/XXXX
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77845	Web
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.
11/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40207	Web
Mortgage billing statement dated XXXX/XXXX/2016 arrived on XXXX/XXXX/2016 with a payment due date of XXXX/XXXX/2016.
06/04/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 173XX	Web
my mortgage company will not allow me to make a partial payment and in turn charges me late fees on the full balance
06/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85022	Web	Older American
My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed.
01/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 484XX	Web
they used my house payment to pay escrow, then reported that my house payment was late!
04/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77077	Web	Servicemember
Roundpoint Mortgage will not remove PMI even though my LTV is below 78 %
01/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28205	Web
My mortgage company did not pay my property taxes on time.
02/18/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 173XX	Web
my mortage co will not work withme
07/10/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA XXXXX	Web

06/30/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19146	Web

06/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20001	Web	Servicemember

06/23/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web

06/22/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 94544	Web

06/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28115	Web

06/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94611	Web	Older American

06/19/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34689	Web	Older American

06/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48624	Web

06/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10031	Web

06/12/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91803	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01028	Web

06/06/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30030	Web

06/03/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	UT 84660	Web

05/30/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 863XX	Web	Older American

05/17/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 46077	Web	Older American

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94513	Web

05/11/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33404	Phone

05/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48154	Web	Older American

04/29/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27104	Web

04/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92311	Phone	Older American, Servicemember

04/18/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 76016	Phone

04/06/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48154	Web	Older American

04/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78628	Phone

03/29/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37209	Web

03/24/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 90014	Web

03/14/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	IL 601XX	Web

03/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53555	Web

03/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07732	Web

03/13/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 55804	Web

03/08/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95410	Web

03/06/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94605	Web

03/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37934	Web

02/21/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22204	Web	Servicemember

02/14/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	TN 37209	Web

02/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33572	Phone

02/07/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77380	Phone

02/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34653	Web

02/03/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33823	Phone

02/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07720	Web

02/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11702	Web

02/01/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33321	Web

01/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90019	Web

01/20/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 65802	Web

01/11/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92336	Web

01/05/2023	Yes	Mortgage VA mortgage	Trouble during payment process	MS 39401	Phone	Servicemember

01/04/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77007	Web

01/04/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92057	Referral

12/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32789	Web

12/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32789	Web

12/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98223	Web

12/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23701	Referral

12/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92223	Phone	Older American

12/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19027	Web

11/29/2022	Yes	Mortgage FHA mortgage	Incorrect information on your report	FL 33023	Web

11/27/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MO 65802	Web

11/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 45230	Web

10/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 64157	Web

10/04/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60643	Web	Older American

09/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48312	Web

08/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75077	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27205	Web	Servicemember

07/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77346	Referral

07/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21207	Referral

06/27/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80026	Web

06/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28173	Phone	Older American

06/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21047	Web	Older American, Servicemember

05/18/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 70065	Phone

05/09/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	TN 37167	Phone	Older American

05/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91311	Web	Older American

04/18/2022	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 11236	Web

04/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70065	Phone	Older American

04/08/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	IL 60093	Referral

04/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11236	Web

04/01/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11385	Web

03/23/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	DE 19901	Referral

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07201	Web

03/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70070	Referral

02/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98311	Phone	Servicemember

02/15/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06010	Referral

02/10/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76247	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02721	Web

02/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 45248	Web

01/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21060	Web	Older American

01/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07042	Web

01/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96720	Phone

12/21/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	MD 20747	Web

12/07/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 95826	Phone

12/02/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08872	Web

11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91901	Web

11/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34952	Phone	Older American

10/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 378XX	Web	Older American, Servicemember

10/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30014	Phone	Older American

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02721	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23502	Web

09/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 80237	Web

09/22/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 70058	Web

08/30/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77401	Web

08/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19320	Web

07/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48111	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MA 02351	Web

07/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95633	Web	Older American

06/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70056	Referral

06/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11553	Postal mail

05/21/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NM 87048	Web

05/17/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94565	Referral

05/14/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11427	Web

04/30/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77479	Phone

04/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97070	Web

04/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78256	Web

04/01/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IL 60624	Phone	Older American

03/31/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27349	Web

03/29/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27405	Web

03/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80127	Web

02/18/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27591	Web

02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46410	Web

02/05/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AK 99516	Web

02/05/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08619	Web

02/02/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	SC 29680	Web

01/26/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	DE 19901	Referral

01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02721	Web

01/19/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	VA 22204	Referral

01/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01810	Web

12/27/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	IL 60624	Web

12/22/2020	Yes	Mortgage VA mortgage	Trouble during payment process	AL 35114	Web	Servicemember

12/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11206	Web

12/15/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29681	Web

12/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32168	Phone	Older American

12/05/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	TX 77498	Web

12/04/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33523	Phone	Servicemember

12/03/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60624	Web

11/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32464	Postal mail

11/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08755	Web

11/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77074	Web

11/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34715	Phone

10/13/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32824	Web

10/05/2020	Yes	Mortgage FHA mortgage	Trouble during payment process		Phone

09/25/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55033	Referral

09/25/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28409	Referral

09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28704	Web

09/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28277	Web

09/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19801	Postal mail

09/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08043	Referral	Older American, Servicemember

08/31/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19002	Web

08/28/2020	Yes	Mortgage VA mortgage	Closing on a mortgage	MD 21769	Web	Servicemember

08/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

08/20/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75211	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20001	Web

08/18/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web

08/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

08/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19341	Web

08/06/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89015	Web

07/30/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 43062	Web	Servicemember

07/29/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44224	Web

07/07/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95838	Referral

07/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91320	Web	Servicemember

06/30/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33033	Web	Servicemember

06/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27052	Web

06/05/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77845	Web

06/04/2020	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 08401	Phone	Older American

06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33056	Web

05/27/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL 33056	Web

05/20/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web

05/18/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Web

05/14/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33056	Web

05/12/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33056	Web

05/11/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33056	Web

05/07/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Phone

05/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21117	Referral

04/28/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DE 19901	Postal mail

04/26/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL 33056	Web

04/23/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MI 48043	Web

04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40203	Web

04/14/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MI 49120	Web

04/14/2020	Yes	Mortgage VA mortgage	Trouble during payment process	KS 67204	Phone	Servicemember

04/13/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 21206	Web

04/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32746	Web

04/06/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	WA 98112	Phone

04/02/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 21236	Web

04/01/2020	Yes	Mortgage FHA mortgage	Trouble during payment process		Phone	Older American

03/31/2020	Yes	Mortgage VA mortgage	Trouble during payment process	MD 21044	Web	Servicemember

03/16/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NC 27810	Web

03/05/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 20735	Phone	Older American

03/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22851	Phone	Older American

02/27/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77407	Web

02/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34239	Web

02/26/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77590	Web

02/18/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	UT 84081	Web

02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28115	Web

02/07/2020	Yes	Mortgage VA mortgage	Trouble during payment process	MD 21044	Web	Servicemember

02/07/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 10701	Referral

02/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21044	Referral	Servicemember

02/01/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 94621	Web

01/31/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01523	Referral

01/18/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	CA 94602	Phone

01/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Postal mail

01/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08016	Fax

01/10/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60651	Web

01/06/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	UT 84081	Web

01/06/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21117	Postal mail

12/27/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98252	Web

12/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07093	Postal mail

12/19/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95833	Referral

12/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 36606	Web

12/12/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OR 97339	Web

11/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20009	Web

11/14/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	SC 29732	Web

11/09/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10314	Web

11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30253	Referral

11/05/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Postal mail	Older American

11/05/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Postal mail	Older American

10/28/2019	Yes	Mortgage VA mortgage	Trouble during payment process	NY 10509	Phone	Older American, Servicemember

10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 12836	Web	Older American

10/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60411	Web

10/16/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21117	Postal mail

10/11/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60174	Web

10/04/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92405	Phone

10/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11554	Web

09/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

09/16/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	MD 20860	Web	Older American

09/15/2019	Yes	Mortgage VA mortgage	Trouble during payment process	AL 35473	Web

09/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 20124	Web

09/13/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	LA 70454	Referral

09/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63052	Web

09/09/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	AL 35173	Web

09/04/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

08/31/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37932	Web

08/20/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 90603	Web

08/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 17972	Web

08/13/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	MI 48021	Referral

08/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72712	Referral

07/31/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21769	Web

07/25/2019	Yes	Mortgage VA mortgage	Trouble during payment process		Phone	Servicemember

07/17/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06484	Web

07/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33309	Phone

07/09/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30296	Web

07/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30316	Referral

07/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32082	Postal mail

06/24/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06825	Web

06/12/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30043	Web	Older American

06/07/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 46368	Web

06/06/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89521	Web	Servicemember

06/04/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	AL 35406	Phone

06/04/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 75757	Phone	Servicemember

05/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20610	Referral

05/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35406	Postal mail

05/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77316	Web	Servicemember

05/09/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60005	Web

04/23/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 76005	Web

04/16/2019	Yes	Mortgage FHA mortgage	Trouble during payment process		Phone

04/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 94513	Web

04/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10314	Web

03/28/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 95610	Web

03/26/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IN 47909	Web

03/21/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	LA 70117	Web

03/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 18210	Web

03/07/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10314	Web

02/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 87501	Web	Servicemember

02/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22305	Web

02/22/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 21140	Web

02/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

02/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27127	Referral

02/19/2019	Yes	Mortgage VA mortgage	Trouble during payment process	VA 23112	Web	Older American, Servicemember

02/11/2019	Yes	Mortgage VA mortgage	Trouble during payment process	VA 24153	Web

02/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 13601	Web

02/06/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MA 02330	Web	Servicemember

01/31/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35022	Web

01/31/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94803	Web

01/28/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	NY 10473	Web	Servicemember

01/25/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60628	Web

01/25/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 76227	Web

01/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49424	Web

01/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 64029	Web

01/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 12550	Web

01/10/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11561	Web

01/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27513	Web

01/04/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 32609	Phone

12/29/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60005	Web

12/20/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC 29745	Web

12/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 61107	Postal mail

12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 70072	Web	Servicemember

11/28/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	DE 19933	Web

11/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89011	Web

11/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60622	Web

11/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27104	Postal mail

11/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 20147	Referral

11/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 12589	Web	Older American

11/08/2018	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	IL 60429	Web

11/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 41164	Web

11/01/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OH 45207	Web

10/24/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process		Postal mail

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

10/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22312	Web

10/11/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 44720	Web

10/03/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	TN 37912	Web

10/02/2018	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	IL 60517	Postal mail

10/02/2018	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	IL 60517	Postal mail

10/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 67002	Web

10/01/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 13215	Web

09/29/2018	Yes	Mortgage VA mortgage	Trouble during payment process	VA 23112	Web	Servicemember

09/28/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	ID 83401	Phone

09/25/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34474	Referral

09/15/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PA 19512	Web

09/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 24084	Fax

09/05/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30082	Referral

09/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90029	Web

08/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92071	Web

08/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19428	Web

08/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 66109	Web	Older American

08/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

08/07/2018	Yes	Mortgage VA mortgage	Trouble during payment process	MD 20774	Web	Servicemember

07/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77096	Web

07/23/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30294	Phone

07/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07920	Web

07/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32789	Web

07/18/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MI 48160	Referral

07/17/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	IL 60517	Web

07/12/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 93546	Web

07/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 38654	Web

07/05/2018	Yes	Mortgage VA mortgage	Trouble during payment process	TX 77713	Phone

07/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53589	Web

07/02/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	IL 60620	Web

07/02/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	IL 60620	Web	Servicemember

06/25/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 34207	Web

06/22/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VT 054XX	Web

06/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10541	Web

06/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97203	Web

06/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01970	Web

06/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 14564	Web

05/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70037	Web

05/26/2018	Yes	Mortgage Other type of mortgage	Incorrect information on your report	MS 38654	Web

05/25/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77048	Web

05/18/2018	Yes	Mortgage VA mortgage	Trouble during payment process	AL 36618	Web	Older American, Servicemember

05/17/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 54303	Phone

05/17/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 15068	Web

05/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95655	Web

05/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 47403	Web

05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 23223	Web

05/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70510	Referral

05/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07701	Web

05/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98373	Web

04/30/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11749	Referral

04/25/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 43082	Web

04/24/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MD 21074	Web

04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK 74056	Web	Servicemember

04/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29526	Postal mail

04/18/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	VA 23320	Postal mail	Servicemember

04/17/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92555	Referral

04/12/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11703	Referral

04/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19023	Fax

03/28/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60048	Web

03/27/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	TX 75035	Web

03/26/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NY 12563	Web

03/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Postal mail

03/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06750	Web

03/15/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA 94545	Web	Servicemember

03/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91702	Postal mail

03/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10541	Web

03/12/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 76802	Web

03/01/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage		Phone	Servicemember

02/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75206	Web

02/27/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77423	Web	Older American

02/26/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11561	Web

02/24/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 43015	Web

02/23/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	GA XXXXX	Web	Servicemember

02/22/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30107	Web

02/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08048	Web	Older American

02/22/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MI 48881	Web

02/19/2018	No	Mortgage VA mortgage	Trouble during payment process	NV 89703	Web	Servicemember

02/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98177	Web

02/17/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 80033	Web

02/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34950	Web

02/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40223	Web

02/01/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92614	Web

01/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32824	Web

01/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 12589	Web

01/25/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60025	Web

01/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20009	Web

01/24/2018	No	Mortgage Conventional home mortgage	Trouble during payment process	TX 77345	Web

01/23/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage		Referral

01/16/2018	Yes	Mortgage VA mortgage	Trouble during payment process	FL 33176	Web	Servicemember

01/12/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98225	Web

01/12/2018	Yes	Mortgage VA mortgage	Trouble during payment process	VA 20110	Web

12/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97355	Web

12/19/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	TN 37312	Phone

12/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34951	Web

12/05/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	IL 60517	Referral

12/02/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21207	Web

11/30/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35213	Web	Servicemember

11/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22312	Web

11/27/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	RI 02840	Web

11/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40108	Phone

11/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07621	Web

11/17/2017	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 Their investigation did not fix an error on your report	FL 33914	Web

11/09/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 77218	Phone

11/09/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	DE 19709	Web

11/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28078	Web

11/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40509	Referral

11/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40509	Postal mail

10/27/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30184	Web

10/23/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 19023	Fax

10/19/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	AL 35215	Phone

10/11/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 91950	Web

10/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29644	Web

09/29/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 31321	Fax

09/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

09/26/2017	Yes	Mortgage VA mortgage	Struggling to pay mortgage	VA 20147	Referral

09/25/2017	Yes	Mortgage VA mortgage	Trouble during payment process	VA 20147	Web	Servicemember

09/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19014	Web

09/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NM 87114	Referral

09/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 14224	Web	Older American, Servicemember

09/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 40107	Referral

09/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98902	Web

09/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web	Servicemember

09/15/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NM 87114	Referral

09/15/2017	No	Mortgage VA mortgage	Trouble during payment process	VA 20147	Referral

09/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44720	Referral

09/12/2017	Yes	Mortgage VA mortgage	Trouble during payment process	VA 20147	Referral

09/11/2017	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 Their investigation did not fix an error on your report	CA 95833	Web

08/30/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	HI 96818	Web

08/30/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11501	Referral

08/30/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31313	Web

08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98310	Web	Older American, Servicemember

08/14/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 75068	Web

08/10/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11720	Postal mail

08/09/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage		Postal mail

07/24/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NY 11510	Web

07/21/2017	Yes	Mortgage FHA mortgage	Trouble during payment process		Phone

07/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29466	Web

07/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08080	Web

07/12/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 24124	Web

07/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web

07/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web

07/07/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33852	Postal mail

07/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19023	Web

06/23/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11758	Postal mail

06/23/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web

06/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	AL 35040	Postal mail

06/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web

06/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78589	Web

06/09/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75007	Referral

06/09/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75007	Referral

05/23/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 08093	Referral	Servicemember

05/15/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	MI 49247	Web

05/15/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TN 38016	Web

05/13/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	MA 02188	Web

05/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06907	Web

05/10/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48377	Web

05/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web

05/05/2017	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 Their investigation did not fix an error on your report	FL 32810	Web

05/05/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process		Phone

05/03/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92253	Fax

05/02/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	UT 84129	Web

04/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web

04/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86409	Web

04/18/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32097	Referral

04/17/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AZ 86406	Web	Older American, Servicemember

04/17/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22204	Web

04/13/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 77218	Phone

04/12/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI 48081	Web

04/12/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97216	Referral

04/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97132	Web

03/28/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28306	Postal mail

03/21/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 75067	Web

03/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75070	Web

03/15/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WI 53566	Postal mail

03/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77389	Web

03/13/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OK 73505	Web	Older American

03/13/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55044	Web

03/07/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WV 26554	Referral

02/28/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27615	Web

02/25/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 17345	Web

02/24/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20707	Referral

02/24/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94518	Referral

02/23/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08005	Referral

02/23/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70392	Web

02/22/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33702	Referral

02/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94580	Referral

02/18/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 17345	Web

02/15/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	KY 40109	Web

02/13/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08005	Web

02/08/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22923	Web

02/08/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85213	Web

02/07/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	TX 75074	Phone	Servicemember

02/01/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 08690	Phone	Servicemember

01/31/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	SC 29588	Web

01/30/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32810	Web

01/26/2017	Yes	Credit reporting	Incorrect information on credit report Account status	TN 37040	Web	Servicemember

01/23/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	MI 48348	Web

01/19/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 78634	Phone	Servicemember

01/19/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 45246	Referral

01/18/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78154	Referral

01/17/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 21208	Web	Servicemember

01/17/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37207	Referral

01/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40203	Web

01/13/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78154	Referral

01/12/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	TN 37040	Web

01/12/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84095	Web

01/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08080	Web

01/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08080	Web

01/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NH 03452	Web

01/09/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32464	Web

01/04/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	MD 21740	Web	Servicemember

01/03/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11746	Web

12/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33527	Web	Older American

12/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08080	Web

12/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32810	Web

12/22/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC 27615	Web

12/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60068	Web

12/21/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92782	Referral

12/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21215	Web

12/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92649	Web

12/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 72212	Web

12/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34769	Web

12/09/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	VA 22901	Web

12/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 15220	Web

12/09/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	TN 38125	Web

12/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 50003	Web

11/30/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 33810	Phone	Older American

11/29/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30525	Postal mail

11/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01887	Web

11/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NH 03452	Web

11/23/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33850	Referral	Older American, Servicemember

11/23/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27615	Web

11/17/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85254	Web

11/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60068	Web

11/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29644	Web

11/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90045	Web

11/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29707	Web

11/14/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	AZ 85086	Web

11/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77433	Web

11/07/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85033	Web

11/06/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08021	Web	Servicemember

11/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 721XX	Web	Older American, Servicemember

10/28/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	KY 89156	Web

10/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01746	Web	Older American

10/21/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IL 60440	Web

10/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60002	Web

10/19/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	GA 30344	Web	Servicemember

10/14/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 34120	Referral	Older American

10/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94705	Web

10/13/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	LA 71360	Postal mail

10/11/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20744	Referral

10/06/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92407	Web	Older American

10/06/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92373	Referral

10/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 72212	Web

10/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92253	Fax

09/27/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91364	Postal mail

09/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11725	Phone

09/17/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30157	Web

09/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80537	Web

09/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37027	Web

09/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11692	Web

09/01/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	ME 04084	Web	Older American

09/01/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27615	Web

08/31/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	IL 62269	Web

08/31/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07803	Referral

08/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 303XX	Web	Older American

08/23/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MO 63133	Postal mail

08/22/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	VA 20110	Web

08/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 02130	Web

08/11/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WI 53572	Web

08/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07836	Web

08/05/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 30134	Web	Servicemember

08/02/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	MD 21740	Web	Servicemember

08/02/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 20774	Web

08/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10029	Web

08/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40299	Phone

07/31/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 33916	Web

07/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35007	Web

07/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30076	Web

07/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08053	Web

07/19/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	NM 88310	Web

07/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV 89128	Web

07/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85024	Web

07/14/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27615	Web

07/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 28210	Web

07/06/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 21208	Web

06/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37129	Referral

06/28/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	LA 70458	Web

06/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98027	Web

06/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 20155	Web

06/27/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 11554	Referral

06/24/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 11788	Web

06/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80002	Web

06/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46037	Web

06/19/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 19147	Web

06/18/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 17345	Web

06/18/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 17345	Web

06/16/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30559	Referral

06/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23141	Web

06/14/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 44312	Phone

06/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92623	Web

06/11/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94577	Web

06/10/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11554	Web

06/10/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 20147	Web

06/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38141	Phone	Older American

06/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22314	Web

06/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30019	Web

06/07/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MI 48081	Web

06/04/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AZ 85286	Web

06/02/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	ME 04071	Referral

05/31/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07712	Referral

05/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38017	Web

05/24/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CT 06082	Web

05/23/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PA 16686	Web	Servicemember

05/20/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	TX 782XX	Web	Servicemember

05/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94582	Web

05/17/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MT 59901	Postal mail

05/16/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AR 72022	Referral	Older American, Servicemember

05/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75074	Web

05/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94547	Web

05/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32440	Web

05/10/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AR 72022	Referral	Older American, Servicemember

05/06/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	AR 72022	Fax	Older American, Servicemember

05/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34243	Web

05/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94806	Web

05/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70124	Web

05/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MD 21029	Web

04/27/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 95821	Web	Older American

04/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80528	Web

04/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73012	Web

04/26/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90044	Referral	Older American

04/26/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TN 37118	Referral

04/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78702	Web

04/21/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 17361	Phone

04/20/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	IL 62040	Web

04/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 20112	Web

04/18/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	OH 45458	Web

04/15/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98102	Web

04/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 191XX	Web	Older American

04/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92612	Referral

04/13/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08260	Referral

04/12/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07470	Referral

04/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92618	Web

04/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91006	Web

04/05/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	LA 71112	Web

04/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35244	Web

04/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08731	Web

04/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34223	Web

03/31/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 11203	Web

03/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 43078	Web

03/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33004	Referral

03/21/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WI 54482	Web

03/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 23185	Referral

03/02/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 35904	Web

03/02/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 36117	Postal mail

03/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97487	Web	Older American

03/01/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32810	Web

02/26/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33172	Web

02/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85224	Web

02/24/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08690	Referral

02/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30655	Web	Older American

02/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30331	Web

02/08/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	NY 10703	Postal mail

02/08/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	AL 35805	Web

02/08/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	NY 10703	Postal mail

02/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 17543	Web

02/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32789	Web

02/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32427	Web

02/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70072	Web

02/01/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	NY 10309	Web

01/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	XXXXX	Web

01/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14622	Web	Older American

01/22/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33027	Web

01/18/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 44221	Web

01/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78028	Phone	Older American, Servicemember

01/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NE 68803	Phone	Older American

01/13/2016	Yes	Mortgage Other mortgage	Other	NY 10703	Referral

01/13/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 23185	Web

01/13/2016	Yes	Mortgage Other mortgage	Other	NY 10703	Referral

01/11/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 07108	Referral

01/11/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32810	Web

01/08/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	VA 23116	Web

01/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30110	Phone

01/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48059	Phone

01/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38583	Web	Older American

12/16/2015	Yes	Mortgage Other mortgage	Other	NY 10703	Postal mail

12/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08721	Referral

12/08/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VA 24551	Referral

12/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 61761	Web

12/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	KY 40503	Web

11/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 43050	Web	Older American

11/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33411	Web

11/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22030	Web

11/18/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MD 20603	Web

11/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08080	Web

11/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Referral

11/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV 89423	Web

11/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29710	Phone

10/29/2015	Yes	Mortgage Other mortgage	Other	CA 94564	Postal mail

10/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33917	Web

10/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07920	Web

10/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33157	Referral

10/07/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08204	Referral

09/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 61008	Referral

09/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92570	Web

09/23/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IA 52761	Referral

09/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IA 52761	Web

09/22/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33432	Postal mail

09/21/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48093	Referral

09/16/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60612	Web

09/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98027	Web

09/11/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19104	Postal mail

09/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80007	Web

09/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 08902	Web

09/04/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 11570	Web

08/28/2015	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	LA 70072	Referral

08/26/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30058	Referral

08/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30058	Referral

08/20/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07702	Referral

08/19/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KS 60175	Web

08/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 10451	Web

08/12/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30815	Referral

08/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV 89034	Web

07/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33132	Web

07/24/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 75038	Web

07/24/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60175	Web

07/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85029	Web	Servicemember

07/14/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 61008	Referral

07/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07920	Web

07/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ME 039XX	Web

07/08/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 11788	Web

07/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80127	Web

07/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94551	Web

07/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08873	Referral

06/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90010	Web	Older American

06/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 80239	Web	Older American

06/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60074	Referral

06/29/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33054	Referral

06/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19102	Web

06/19/2015	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	AL 35806	Web

06/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75154	Web

06/11/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	LA 70057	Referral

06/11/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 35640	Referral

06/10/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07935	Referral

06/10/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97702	Referral

06/09/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07676	Referral

06/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19102	Web	Older American

06/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48183	Web

06/03/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60130	Referral

05/29/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 77073	Postal mail

05/27/2015	Yes	Mortgage FHA mortgage	Other	IL 60085	Fax

05/22/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 93065	Referral

05/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60651	Web	Older American

05/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	KY 41051	Phone

05/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 87144	Web

05/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 99205	Phone

05/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92656	Web

04/28/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78230	Web	Servicemember

04/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 53089	Web

04/23/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 90220	Web

04/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07675	Web

04/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 86406	Referral

04/15/2015	Yes	Mortgage Reverse mortgage	Loan servicing, payments, escrow account	CA 95219	Phone	Older American, Servicemember

04/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19130	Web

04/09/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33016	Web

04/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98354	Web

04/07/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	DE 19720	Web

04/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75033	Web

04/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 78064	Referral

03/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46202	Web

03/24/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 75142	Web	Servicemember

03/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85383	Web	Older American

03/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23059	Web

03/17/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 18951	Web

03/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 47130	Web

03/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27703	Web

03/06/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60628	Referral

03/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75070	Web

03/04/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 32526	Web	Servicemember

03/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73034	Web

03/02/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 32825	Web

02/28/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MD 21014	Web

02/26/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27027	Postal mail

02/26/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 35186	Web

02/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	DC 20002	Referral

02/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	ME 03901	Referral

02/23/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WI 53144	Web

02/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60175	Web

02/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48138	Web

02/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22202	Web

02/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28405	Referral

02/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80234	Web

02/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	ND 58078	Web

02/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28801	Web

02/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20910	Web

02/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78204	Web

01/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77377	Web

01/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10514	Web

01/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 54482	Web

01/28/2015	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 77381	Web	Older American

01/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06074	Web

01/23/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Credit decision / Underwriting	MD 20006	Web

01/15/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 91773	Web	Older American

01/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60608	Web

01/14/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	HI 96740	Web

01/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75039	Web

12/29/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	VA 24541	Web

12/15/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30344	Web

12/15/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	LA 70503	Referral	Older American

12/11/2014	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 11233	Web	Servicemember

12/10/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TN 38141	Phone

12/09/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	CA 92823	Web

12/09/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33904	Web

12/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 17543	Web

12/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35124	Web

11/20/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	UT 84047	Web

11/19/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30305	Web

11/16/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08742	Web

11/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07850	Web

11/10/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	HI 96741	Web

11/05/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 88011	Web	Older American

11/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85260	Web

10/30/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 72404	Web

10/27/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 32825	Web

10/24/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	LA 70503	Referral	Older American

10/23/2014	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	FL 32405	Web

10/21/2014	Yes	Mortgage Other mortgage	Other	IL 60169	Postal mail

10/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98684	Referral

10/20/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 32082	Web

10/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80104	Web

10/02/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 07462	Web

09/30/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97439	Web

09/22/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 43016	Web

09/18/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 94565	Web	Older American

09/18/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08085	Referral

08/29/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85728	Web

08/28/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32506	Referral

08/21/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92845	Phone

08/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CT 06082	Web

08/20/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 89511	Referral

08/19/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 93111	Web	Older American

08/13/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PA 18103	Web

08/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 36693	Web	Older American

08/10/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CO 80503	Web

08/05/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 92562	Phone	Older American

08/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38230	Web

07/25/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NJ 08079	Web

07/24/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30013	Referral

07/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94107	Web

07/20/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	OH 44145	Web

07/20/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 20912	Web

07/19/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 34715	Web

07/11/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MO 63101	Web

07/10/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43064	Web

07/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33434	Web	Older American

06/30/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28227	Web

06/26/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33054	Referral

06/25/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MD 20723	Web

06/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35124	Web

06/21/2014	No	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	CA 94513	Web

06/17/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32216	Web

06/17/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	AL 35057	Web

06/16/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08005	Referral

06/06/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 76574	Postal mail	Older American

06/06/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	FL 32428	Phone

06/04/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 45231	Web

06/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77474	Web

05/22/2014	Yes	Mortgage Other mortgage	Other	GA 30214	Referral

05/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11558	Web

05/12/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	LA 70433	Web

05/10/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 34482	Web

05/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48380	Web

05/02/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 33990	Web	Servicemember

04/26/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92078	Web

04/23/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 34119	Web

04/23/2014	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 77407	Web

04/23/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32428	Referral

04/22/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	TX 75094	Web

04/19/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48059	Web

04/18/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CO 80136	Web

04/13/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 94002	Web

04/09/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94002	Referral

04/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 99353	Web

04/08/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92011	Web

04/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84093	Web	Older American

03/11/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 24593	Postal mail

03/07/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 21403	Web

03/06/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30064	Web

03/03/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27027	Postal mail

02/26/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 31419	Web

02/26/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98133	Web

02/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48059	Web

02/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33020	Referral

02/13/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 35016	Postal mail

02/12/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27803	Web

02/07/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	NC 28078	Web

02/07/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	ME 04102	Postal mail	Older American

02/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55408	Web

01/30/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	PA 18951	Web

01/29/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85008	Web

01/29/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	FL 32803	Web	Older American

01/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 86301	Web

01/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	DE 19803	Postal mail

01/12/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NH 03801	Web

01/10/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MD 20602	Phone	Servicemember

01/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27803	Web

01/03/2014	No	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 77433	Web

12/28/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 88102	Web

12/26/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NM 88102	Postal mail

12/23/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	GA 30087	Web

12/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80007	Web

12/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

12/18/2013	Yes	Mortgage Other mortgage	Other	DE 19803	Fax

12/16/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08010	Referral

12/12/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 34715	Web

12/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08016	Web

12/06/2013	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	OH 44460	Web

11/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92392	Phone

11/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94598	Web

11/23/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30308	Web

11/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23103	Web

11/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20816	Web

11/14/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95442	Referral

11/14/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AL 36064	Web

11/12/2013	Yes	Mortgage Other mortgage	Other	CA 91356	Postal mail

11/12/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11228	Web

11/05/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48073	Referral

11/01/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 02769	Web

10/30/2013	Yes	Mortgage FHA mortgage	Settlement process and costs	NC 28027	Web

10/28/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94306	Web

10/22/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77082	Web

10/16/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 36421	Web

09/30/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75033	Web

09/27/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 36832	Referral

09/24/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30248	Web	Servicemember

09/19/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 02148	Web

09/13/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 95765	Web

09/11/2013	Yes	Mortgage Other mortgage	Other	HI 96813	Postal mail

09/11/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PA 18235	Referral

09/07/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AL 36441	Web

09/03/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92807	Web

08/30/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	AL 36869	Fax

08/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10014	Web

08/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33578	Phone	Older American, Servicemember

08/19/2013	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NC 28732	Web

08/13/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA 95125	Web

08/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27027	Postal mail

07/31/2013	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	OR 97027	Web

07/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

07/29/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98272	Web

07/19/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 35175	Referral

07/10/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AZ 85029	Web

07/07/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 34209	Web

07/01/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30088	Web

06/28/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06831	Web

06/28/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NV 89104	Phone

06/26/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	VT 20164	Web	Older American

06/23/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35226	Web	Older American

06/05/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 01719	Web

06/02/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MI 48187	Web

05/24/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 01945	Web	Older American

05/21/2013	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TX 78613	Web

05/09/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33917	Web

05/02/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 94064	Web

04/24/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 38060	Web

04/17/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 80002	Referral

04/16/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27870	Referral

04/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33186	Referral

04/06/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48178	Web

04/05/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31052	Referral

04/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 18951	Referral

04/04/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37122	Web

03/27/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	TX 77084	Web	Older American

03/26/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92128	Web

03/14/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11020	Postal mail

02/15/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NV 89117	Web

02/14/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78108	Web	Servicemember

02/14/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75035	Referral

02/06/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CO 80126	Web

02/04/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	UT 84020	Web

02/02/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NE 68046	Web

02/01/2013	Yes	Mortgage Other mortgage	Other	DE 19803	Referral

01/30/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95630	Referral

01/24/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	AL 35243	Referral

01/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94087	Referral

01/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 35802	Referral

12/19/2012	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IL 60156	Email

12/19/2012	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	MD 21601	Web

12/17/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91601	Web

12/13/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77478	Referral

11/29/2012	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 33904	Web

11/08/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NY 10543	Web

11/05/2012	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	MI 48917	Web	Servicemember

10/25/2012	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	AZ 85259	Referral

10/18/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30312	Web

10/17/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30312	Web

10/12/2012	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 92241	Referral

10/10/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	UT 84101	Web

09/21/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CT 06897	Referral

09/21/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 93662	Web

09/19/2012	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 34210	Web

09/18/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	KS 67401	Web

09/11/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 62203	Phone

09/10/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 62203	Referral

09/07/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NE 69147	Web

09/04/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NY 10543	Phone	Older American

08/27/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94949	Postal mail

08/10/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91344	Referral

08/10/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92705	Referral

08/10/2012	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	TX 75228	Web

08/09/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32907	Referral

08/09/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30312	Referral

08/07/2012	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IL 62060	Phone

08/03/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94903	Postal mail

07/31/2012	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 62203	Referral

07/09/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92626	Fax

06/29/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32462	Web

03/28/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92235	Web

01/25/2012	Yes	Mortgage Home equity loan or line of credit	Credit decision / Underwriting	TX 75757	Web