| 11/01/2020 |
Yes |
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- Trouble during payment process
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Web |
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I have just finished the pre-licensing course through for obtaining my XXXX license. This situation will not require much interpretation. It is basically direct, verbatim, failure to abide by Regulation X of the Dodd Frank Act, more specifically section 6. I did not receive a notice of delinquency ( the delinquency is inaccurate and I will provide absolutely overwhelming evidence that it is - legally I should have still received a notice within 36 days ), a notice of receipt of inquiry and I did not receive anything showing that there was even an attempt to gather information to investigate my claim. If you're able to get a hold of them ( you're the CFPB - I think you will be able to get their attention ) they are absolutely unqualified to be operating in a mortgage servicing capacity. They know nothing about the Regulations, at one point I had a gentleman refuse to give me his last name - I ended up getting his last name from a email he sent to my wife weeks later - and he told me that the reason for the 60-89 day late marks on my credit " was because it was an accumulation of the months that I was a few days late, and that all of those instances added up to 60+ days late ''. They never showed my initial payment to them, my loan was sold to them I believe 23 days after consummation and the first payment was due XXXX. I have evidence of attempts to get this resolved on multiple occasions and have received nothing but rolled eyes and shrugged shoulders. Please contact me anytime at XXXX. The following is the last communication that I had with XXXX XXXX XXXX the contact at Statebridge via email ( wait times on the phone have reached 150 minutes + ) please excuse my tone in this email, I have never been a party to something so imbecilic. : ( Sent from me XXXX XXXX XXXX - XXXX on XX/XX/XXXX at XXXX ) " XXXX , to be honest I never thought I would hear from Statebridge again, and I certainly did not expect to hear from you specifically. The reason I say that is considering you were the first person I had an actual conversation with when I first discovered this fiasco and it didn't go well because it did not seem as if you had an understanding of the concept.
I also see now that you are able to contact my wife, although each time she attempted to contact your company, they insisted she was not authorized to discuss the account because she was " not on the loan ''.
It has taken nearly a year for Statebridge to correct that discrepancy, which is just one of many.
It appears that any communication is thwarted and discouraged, evidenced by your refusal to even provide me with your last name on a previous call ( although I see its reflected in your email signature below ).
After our initial call it took many days of getting no response from your company before I decided to contact the original lender. After that, over a week ( received a call early morning XXXX ) to get the call from XXXX - did not get a last name- who assured me that communication would never be an issue with him and that he was in the process of going through my file with great detail and would " call you after my lunch break or at the latest mid afternoon ''. That was our last correspondence as of the time this email is sent - almost three weeks. Then only my wife gets an email from you - with the same false information as when we first spoke on the phone, around a month after our initial call.
I am in the process of refinancing my home mortgage and have discovered that Statebridge is erroneously reporting my payment history as being late to the credit bureaus. This is a violation of my consumer rights under countless laws and regulations, specifically Regulation V, and Im hopeful we can resolve so that I will not have to submit a complaint to the CFPB. As a direct result of what I can only determine as intentional malice ( evidence by such statements you made on our call such as Statebridge is combining any late days over the course of the months Ive paid and reporting them as 30 days late ).
According to your email and our conversation over the phone the 60-89 day late on my credit somehow correlates to the 16 day grace period for late charges. I have obtained evidence from the original lender that sold the loan to Statebridge that my initial payment was received on XX/XX/XXXX and according to the lender, immediately forwarded to your company to start the onboarding.
It seems your onboarding / servicing process leaves much to be desired. And, thats fine except that the remedy you have for it is to falsely report to credit bureaus the lateness is on the part of the consumer.
The first due date of the statement is XXXX, on your statement it shows that you did not receive the check whatsoever. Again, we have evidence from bank account statements, pay history from the originating lender, check stub and the recent statement from that lender that payment was sent to you on XX/XX/XXXX.
The second due date was XXXX which not only did we get charged for the XXXX payment, but you also told my wife over the phone ( which contradicts what you later told her in XXXX that you couldn't speak with her because she was not on the loan ) that you did not have the check from the XXXX payment.
After my wife insisted that the check was sent and deposited ( please see attached bank statements, a copy of the canceled check cashed XXXX, and confirmation from the direct lender that consummated the mortgage ) you told her to just pay the XXXX payment again with the XXXX Payment and that if you came across the lost check you would credit the amount to the next payment.
Upon discovering this information that your company is losing checks after cashing them and not keeping track in your records, that WE HAD NO CHOICE but to pay the fee to pay online, because even though there was a " convenience fee '' we decided to consider it an " insurance fee ''. Insurance that our payment would be received, recorded and we could move on - if only we knew that the lost check in XXXX was foreshadowing for what was in store for us.
The next due date would have been XXXX. We assumed that our additional payment in XXXX would have been credited to the XXXX amount not so. It was not credited at all. Our bank statements showed 3 payments coming out, and only 3 payments have been due.
Next we have the XXXX due date where XXXX had gone online to pay the bill that way, only to find out ... the website is having technical issues and would not allow her to pay. After calling and calling and calling we attempted emailing ( see attached evidence ), however even those attempts received no response.
At first I was frustrated with XXXX saying that she needs to stay on hold and put effort into getting into contact, but later I found out that not only was there an insane wait time, but when I called the hold time INCREASED! For example, I was determined to get a hold of someone to pay our bill so I set my phone to speaker as I worked. At first it said the wait time was 7 minutes, NOT BAD! A few minutes later ... the automated voice said a 38 minute wait time ... ... I was shocked to hear that the wait time was increasing. In my determination to get the issue resolved, I pressed on " I can wait 38 minutes I suppose, hopefully nothing comes up and I don't need to drive anywhere. I'm not fabricating this next part, not 5 minutes later the automated voice came on again, this time with a wait time OF 117 MINUTES!!!! The first thing I did after hearing this was apologize to my wife for doubting her good faith effort to get this done.
For XXXX due date, by some miracle my wife was able to get on the phone with someone at your company. When she spoke to them, she spoke with outrage about what had transpired. To that, your company told my wife that they would not speak with her because she is not on the loan. They did tell her to go online and try again to pay, and it did work that time.
The XXXX payment was paid past the grace period but not 30 days late.
The payments since have all been within the grace period and WELL WITHIN the 30 days needed to report a late on one 's credit.
NOT ONE OF OUR payments has been 30 days late reporting it as such is falsely reporting to the credit bureaus. Your statement is so erroneous, full of invalid late charges its not clear if you ever correctly applied the check you found from XXXX.
XXXX, when I spoke to you on the phone I had to wait for over 50 minutes to speak to a person. When I called you and decided I was going to record how long it took me to get a hold of someone, if I was even going to be able to do so, I did because that is when I found out that it has been reported on my credit report as a 60-89 day late.
When I spoke to you on the phone, you told me I had to send you documents to prove that your company is incorrect.
I have paid your company {$400.00} according to the totals on your statement. {$84.00} of that went to principle. {$280.00} went to interest. Thats According to your statement you just sent me.
Based on my calculations of the same statements the charges add up to {$440.00}. Those are the same charges that are itemized that your statement is totaling {$400.00} including the one waived late fee, the 7 " late fees '' the 11 monthly payments and somehow 12 {$5.00} " convenience fees '' that we were bullied into paying because of your company losing our other payments. Yet based on the calculations of the statement, my bank account is adding up to {$450.00} taken out from your company.
Does Statebridge just charge whatever they want?
Does your company treat all consumers like this? This is affecting my credit score by approximately 62 POINTS according to my loan officer and is the difference between my family being able to refinance our home. It is also the difference between me getting employed as a Mortgage Loan Officer I take the test in less than two weeks.
Statebridge has compromised my financial integrity and has caused us to already go through hardships when all we have done is what we legally agreed to, or put our best effort possible to do so. It is now more difficult than ever for me to gain employment in my new career, humiliating when someone does see my credit, like when it was pulled to refinance my home. It is keeping me from getting certain licensing. Lastly it is now IMPOSSIBLE to improve my quality of life by refinancing into a better, more equitable mortgage by refinancing. See attached credit score with the What-If Simulator showing how my score would improve if I did not have the utterly false late delinquency on my financial record.
What are YOU going to do to fix this? HOW is Statebridge going to make it right for me and my family? I need resolution now.
Additionally I think that you are giving the Mortgage Company, XXXX XXXX XXXX, a bad image and potentially tainting their name - unbeknownst to them -, if you treat all of the borrowers that they get your company to service this way. Who do you think they are going to correlate the experience they receive from you with?
My guess is the person or entity they purchased the product from, and I doubt they would go back to the person that sold them this mess of what should be a professional agreement.
I have almost never had to have this tone in my life, I can count how many times I have had to be this aggressive on one hand. The only other time I have had to was in actual legitimate fear for losing my life, and when my family has been immensely wronged. I have been silent for weeks upon weeks hoping and praying that the individuals in your company and individuals that represent your company would have the integrity to do right by me and my family. I have waited to no avail. In our phone call - the first time I ( a consumer and once potential customer ) had ever spoken to anyone working for or representing your company, specifically you XXXX, I was greatly disrespected and have never been talked down to in such a manner in my entire life. I feel like what is at stake here is not just the headache of an inconvenience, but the future of my young family 's livelihood and future. ''
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| 09/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am a very frustrated consumer. In late XXXX, XXXX sold my mortgage to Statebridge Company. I received a welcome letter which stated they would be servicing my mortgage moving forward and included the new address to submit payments. After my first payment made in XX/XX/XXXX ( and was finally processed over 2 weeks after I sent it ), the 2nd statement I received indicated my account was a month behind and also included late fees from the first payment which was made on time but I was assessed late fees due to Statebridge 's laggard approach to processing my check ; I made an extra payment again in XX/XX/XXXX inclusive of late fees even though I couldnt resolve why my account was already flagged as a month behind.
From that time moving forward, it has not been a simple situation with them when it comes to making payments. My payments were still processed very slowly and always resulted in late fees. In XX/XX/XXXX, they began returning my payments with a letter stating the amount I sent was not enough to bring the account current. In XXXX, I took a withdrawal from my 401K to ensure I could send a large enough payment to cover all late fees and other line items they claimed I owed. On XX/XX/XXXX, I logged into the Statebridge website to view my current statement and payment amount due to bring the account to current and promptly released a check in the amount of {$7800.00}. That payment was one that was never returned to me. And it was also never processed or applied to my account.
On XX/XX/XXXX, I sent a payment in the amount of {$2500.00}. On XX/XX/XXXX, that payment was returned to me with the same standardized letter I had received previously. On Monday, XX/XX/XXXX7, I relentlessly made calls to Statebridge until I finally was connected with a live representative who identified himself as XXXX. I explained I needed to understand why all my payments are being returned and to have a way to get them my mortgage payment each month that was reliable. During this call, XXXX informed me, " your account is in active foreclosure with a sell date of XX/XX/XXXX because you 're 10 months behind. '' It was during this call that I was informed for the *first * time my account was in active foreclosure. This is the startling news that has prompted my need for professional legal help with this matter.
In XXXX, I have sent a total of {$12000.00} in payments to Statebridge. They have refused ALL my payment attempts. On XX/XX/XXXX, I was told by the representative I spoke with XXXX that my outstanding payment balance was {$11000.00}. How is it possible that I have sent payments exceeding that amount and yet Im now facing an active foreclosure? I told XXXX I just wanted to pay them in full as quickly as possible to stop all of this madness. He directed me to a contact that was described as being someone was now assigned to the legal aspects of my foreclosure. XXXX stated he did not know what the re-instatement fees were and this legal person would be able to give them to me. I called that number several times and was dumped into an unlabeled voicemail. I left detailed message after detailed message pleading for a call-back. I never heard from anyone. XXXX also gave me his 'direct line ' and asked me to call him back once I had the re-instatement fees. I never received the re-instatement figures because i never received a call back, but made attempts to connect with XXXX to let him know no one was calling me back. Each time, and once again, I was dumped into an unlabeled voicemail. I 've not heard back from XXXX again. On XX/XX/XXXX, I called the only other number Statebridge publishes, the same one I 've attempted to use so many times before ... i called this number FOUR times and each time the call connected and I could hear muffled voices and then I was either hung up on or the calls were disconnected.
For ten months, they have returned every payment ( except one - the large payment sent on XX/XX/XXXX ) I 've sent them with a standardized letter stating " we are returning your payment because it 's not enough to bring your account current. '' Late fees galore but that is the least concerning of my issues.
Late in the day, Monday, XX/XX/XXXX, I received certified mail from Statebridge attorneys confirming what XXXX had told me - that my home is in foreclosure with a sale date of XX/XX/XXXX. I now have two weeks ... TWO WEEKS ... to figure out how to save my house. I have now found literally hundreds of negative reviews where so many consumers are sharing their nightmare situations as a result of having had their mortgage sold to Statebridge.
On Tuesday, XX/XX/XXXX, I retained the services of XXXX XXXX XXXX in a desperate attempt to have someone help me save my home. On Tuesday, XX/XX/XXXX after I provided every bit of required documentation XXXX XXXX XXXX ( XXXX ) instructed me to send in support of seeking a loan modification with Statebridge, XXXX faxed Statebridge my file.
On XX/XX/XXXX, XXXX re-confirmed that everything had been sent to Statebridge. They are actively helping me pursue a loan modification in an effort to stop the sell of my home, slated for XX/XX/XXXX. I also learned from them that there is a 50/50 chance I will need to file for bankruptcy in order to save my home. They explained that because Statebridge is such a hard lender to work with, it 's very possible Statebridge will not even open my file. I now have the expectation from XXXX that by next Wednesday, XX/XX/XXXX, I will understand the true state of my circumstances and if I 'm forced into bankruptcy.
I only wish to finally pay what has, to date, been returned to me by Statebridge and save my home. Im seeking a reliable mortgage servicer who accepts and processes payments on a timely manner through modern technology solutions. I am seeking a servicer who does more than just print and mail paper statements outlining late fees and past due balances. I 'm seeking a servicer who answers the phone every time I call and that the person who speaks with me, is knowledgeable and can assist me. ( There was no response in my attempts to reach them by phone. Their automated phone line leaves you on hold forever and when you finally get through, the call is disconnected. This has gone on for MONTHS. ) I have been deceptively and unscrupulously walked smacked dab into an unnecessary foreclosure. I can afford my home, love and value my home and am pleading to save it.
I implore you ; please investigate this company. You will find hundreds and hundreds of other consumers who are also victims to their deceitful ways.
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| 12/25/2018 |
Yes |
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- Trouble during payment process
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Web |
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Our home purchase was initiated by XXXX, and financed through FHA. FHA only required 3 % down, we wanted a full commitment and our payments to be lowered and affordable so we provided a 15 % down payment of the purchase price of {$500000.00}. We used our life savings to buy this home, total down payment toward the purchase price was over {$70000.00}.
For many years we made our payments on time did not have any problems. Our business was stable suddenly without warning we were facing a financial crisis, due to the competition and the internet not to leave out the falling economy, our sales depleted and were forced to close our family owned business, due to this drastic financial change caused us to to fall behind on our mortgage payment. by this time our loan was transfer to XXXX and thankfully with the help of my sister XXXX they help us qualify for a home retention program. We were set up on a loan modification agreement for {$3700.00}, we made our payments on time soon XXXX transfer our loan to a servicing company XXXX.
We ask XXXX to help us lower our monthly mortgage payment and after several attempts and a year later they finally offered a reduction of payments from {$3700.00} to {$2700.00}, part of the negotiation XXXX required a lump sum payment for {$4600.00}, which we gladly agreed and applied toward our balance. Imagine the relief to have our monthly mortgage payment cut almost {$1000.00}, we signed the agreement began to make the new lower payments.
We were very happy after so many hit and misses of irrational demands regarding retention options for my home. The loan was now transferred to Statebridge this is were our dream turned into a nightmare. Unfortunately to say the entire experience with Statebridge was the least favorable.
Statebridges entire operation blind sided me and honestly felt bullied, when their speciality department for ESCROW reached out through their correspondence pin pointing the back log in missing escrow payments totally caught me by surprise, HOW COULD THIS BE???
Per Statebridge XXXX made an accounting error and that escrow account had a shortage of {$11000.00} and every month increasing until we get this resolved.
Statebridge claims XXXX calculated our XXXX mortgage payment incorrectly when they offered us a lower payment eliminating big chunk of NJ taxes, Thus causing the escrow shortage and doubling now our un-affordable mortgage payment. Lets not kid ourselves, Statebridge wants us to fail I dont see a business logic in all this. Only common sense is to work on decreasing not increasing our mortgage payment.
Our Mortgage payment is now is over {$4700.00}, this is your plan to help out??? its a plan but a plan for failure.
Statebridge deliberately put us in an unpredictable situation and now we are facing a double monthly mortgage payment, and acceleration to foreclose of our property.
Statebridge assigned a very efficient and caring XXXX XXXX XXXX XXXX, she is diligent and very supportive glad to see she is on our side, but she can not do this on her own, bottom line is we have to resolve this complicated issue, we are seeking your help or one of your constituents department to help us we will not lose our home because of lender negligence.
Despite the bad treatment, we have constantly and continually show good faith by making first large lump sum down payment for {$70000.00}, the initial down payment for {$4600.00} offered for XXXX for the supposed loan modification and to Statebridge paying two months mortgage payments to toward the escrow shortage totaling {$5400.00}.
CFPB Representative other borrowers will rather default on a home that is upside down but we have integrity and we have worked and fought too hard to give up and we will continue fighting for as you can well see not going to give up.
If I may, Im not a real estate expert but what would make sense is that Statebridge place the arrears and escrow shortage to the back of the loan, differing the payment till the balloon payment is due. Please keep in mind the property value vs. The principal balance is at 150 % LTV. Regardless of the value we wish to keep our home for sentimental values.
Statebridge has left me no choice than to engage elected officials and regulatory agencies to help me. I have reached out to the CFPB, the XXXX, and other local regulated agencies branched out by the CFPB. I do have the attorney General of the State of New jersey lined up.
I would like for your office deal with my case directly, these lenders have proven that all they care about is nothing other than NUMBERS, PROFITS and MARGINS. without a care for the well being of their clients livelihood. I would be very interested in your office to see what can be worked out. Statebridge needs to provide my mortgage loan with a loan review for an affordable loan modification, deffer the arrears to the back of the loan.
We are now financially stable, and would like to make mends with our lender to start making our mortgage payments.
Things have been difficult, and our life is upside down we are very kind, but also tough and resourceful. We want to see the light at the end of the tunnel, we would like for you or the department that specializes in helping distress homeowners get involved, and assign an agent to walk us through so he/she can put an end at to this nightmare.
Sincerely from the XXXX family,
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| 10/22/2019 |
Yes |
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- Trouble during payment process
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Web |
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TO WHOM IT MAY CONCERN THIS COMPANY IS FRAUDLENT, THEY ARE STATING I AM NOT MAKING MY MORTGAGE PAYMENTS, AND I HAVE PROVIDED THEM PROOF OF ALL PAYMENTS. I HAVE REQUESTED THEM TO PROVIDED ME WITH A DETAIL LEDGER. I AM DISPUTING THE AMOUNT THEY SAY I OWE, I HAVE TRIED TO RESOLVE THIS ISSUE SINCE XXXX, BUT THEY ARE MARKING MY COMPLAINTS AS DUPLICATE COMPLAINTS. I am providing you with a copy of all checks that was cashed from XXXX-up until XX/XX/XXXX. I CANT EXPRESS HOW DISAPPOINTED/FRUSTRATED AND ANGRY WITH THIS COMPANY. This is unacceptable how they Treat people. I am a consumer who feels like this COMPANY should be put out of business. I will say XXXX ; I truly appreciate you taking the time out of your busy schedule to help clear this mess up. Like you stated, WE ARE NOT GETTING ANY ANSWERS from these people just RIDOUSLY I did speak with XXXX who supposed to be the Operation Manager ( He sounded just like XXXX ) SO now we giving out FAKE NAMES. Whoever XXXX was, if he was a MANGER, WHY he waited over 3 months to call me ( smh ) He was rude, didnt let me talk and VERY UNPROFESSIONA. At the END of Day, I am trying to bring my account current. This XXXX XXXX said, you need to be concerned about paying the balance. YES, I am EXTREMLY CONCERNED especially when STATEBRIDGE should have never cashed CHECKS IN THE WRONG AMOUNT. IM trying to get an UNDERSTANDING OF where my payments are since THIS RUDE COMPANY is sending back payments. So XXXX, I am trusting and praying we can get this RESOLVED ASAP. Its only been since XXXX, THAT I HAVE been requesting information on my ACCOUNT. I need a LEDGER sent to me via email NOT a PAYMENT history. IM requesting a LEDGER for my ACCOUNT ASAP. Just in case your cash management is not sure what I am looking for ITS : ledger is a complete statement ( or record ) of every payment you have made, and the dates that the rent covered. The ledger also shows if you have ever failed behind on Payment. From the months of XXXX XXXX, I have attached copies of the payments that were made which equal to the amount of {$12000.00}, which breaks down to {$1000.00} ... XXXX I paid every month for 12 months. As of XXXX, XXXX my payments increased to {$1000.00} ( {$5.00} difference ) I made {$1000.00} payment in XXXX, From XXXX to XXXX I continued to pay {$1000.00}, I take full responsibility for not paying the total amount, It was not done Intent ally, I totally forgot and continued to make the {$1000.00} State bridge is also wrong for CASHING MY CHECKS in the wrong amount. So, from XXXX XX/XX/XXXX I was short {$5.00} each month which should have been only. You received {$7300.00} for XXXX. XXXX you received {$1000.00}, From XXXX you received {$4100.00} when you should have received {$4200.00} which was the new payment of {$1000.00}. If you SUBTRACT {$4200.00} FROM {$4.00}, XXXX there is a {$20.00} difference for that year of XXXX. For XXXX, I continued to make the payment of {$1000.00} which should have been in the amount of {$1000.00}. As of XX/XX/XXXX State Bridge Received {$4400.00} for the months of XXXX, XXXX, NO PAYMENT IN XXXX, BUT 2 PAYMENTS IN XXXX FOR XXXX AND XXXX. State bridge should have received {$4200.00} which was the payment of {$1000.00}. There is a {$56.00} Difference. Here where the problem is STATEBRIGE IS STATING THEY NEVER RECEIVED XXXX OR XXXX. THE ATTACHED STATEMENT AS OF XX/XX/XXXX SHOWS UNPAID BALANCE OF {$530.00}. AS OF XXXX, XXXX????? WHAT IS THIS ABOUT WHERE IS THE AMOUNT COMING FROM??? THESE NOT EVEN MY MONTLY PAYMENT. THEN XXXX SHOWS {$1000.00} WHICH STILL IS MY MY MONTHLY PAYMENT. XXXX shows the correct amount of {$1000.00}, and XXXX is where my new payment of {$1100.00} became effective. MY CONCERNS ARE WHERE MONEY IS BEING APPLIED. XXXX PAYMENTS WERE RECEIVED. I WAS INFORMED XXXX SENT XXXX PAYMENT BACK IN XXXX, XXXX 3 MONTHS LATER ( HORRIBLE ) I ALSO WAS ADVISED XXXX PAYMENT WAS SENT BACK AS WELL, BUT I HAVE NOT RECEIVED THE ORIGINAL CHECK BACK AS OF XX/XX/XXXX. I AM ALSO AWARE THAT I HAVE {$1000.00} DOLLARS SITTING IN AN EXPENSE ACCOUNT. THIS WHOLE ORDEAL HAS BEEN A JOKE, IM PRAYING CONSUMER FINANCIAL INVESTIGATES THIS COMPANY ASAP. I AM NOT THE ONLY VICTIM. ITS SO MANY HORRIBLE COMPLAINTS ABOUT THE SAME EXACT THING IM COMPLAINING ABOUT. THIS COMPANY IS FRAUD .... AND TAKING PEOPLE MONEY. THE TOTAL AMOUNT I OWE TO THIS COMPANY IS $ XXXX XXXX- XXXX {$1000.00}. XXXX {$1100.00}, & XXXX & XXXX XXXX XXXX. LETS NOT MENTION I STILL HAVE {$1000.00} SITTING IN THIS SO CALLED EXPENSE ACCOUNT. MY TOTAL I HAVE IS {$4300.00}., ALSO, AS OF XX/XX/XXXX I RECEIVED ANOTHER STATEMENT WITH NOW A DIFFERENT AMOUNT OF {$870.00}. FOR XX/XX/XXXX. WHY IS THE AMOUNTS CHANGING???? LIKE I SAID SOMETHING IS FISY/FRADULENT WITH THIS COMPANY. NOTHING IS ADDING UP CORRECTLY. PLEASE REVIEW THIS ASAP AS I HAVE ALREADY BEEN WAITING FOR STATEBRIDGE TO RESPOND TO MY COMPLAINT WITH CONSUMER FINANCIAL. This is BASIC MATH. PLEASE PROVIDE THE LEDGER ASAP AS WELL. I REQUESTED OVER 30 DAYS AGO, A COPY OF MY ORIGINAL LOAN DOCUMENTS FROM XXXX HAVE NOT RECEIVED THEM, BUT LAW THIS SHOULD BE PROVIDED UPON MY REQUEST. I HAVE ALSO ATTACHED THE REFUND CHECK FROM XXXX XXXX THAT WAS SENT TO STATEBRIDGE. IN XXXX OH, I NEVER RECEIVED THIS CHECK ( ONCE AGAIN FRAUD ) ) WHERE IN MY OVERAGE PAYMENT????
SINCERELY, XXXX XXXX OWNER XXXX XXXX XXXX, XXXX XXXX, FL XXXX Loan no. XXXX
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| 05/07/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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A severe hardship forced us into foreclosure on our home loan with XXXX XXXX in XX/XX/XXXX. We were told we were approved for a Loan Modification by XXXX XXXX in XX/XX/XXXX, and as we moved forward with the process, our loan was transferred to Statebridge Company. We were told by XXXX XXXX that this transfer would not jeopardize the Loan Modification process. They assured us that all of the paperwork would be transferred over to this new Servicer. We were asked to allow a few weeks for the paperwork to transfer over, and that the process should continue where they ( XXXX XXXX ) left off. After receiving letters confirming the transfer of the mortgage to Statebridge Company, and waiting a few weeks as suggested, I ( XXXX XXXX ) called Statebridge Company to continue with the Loan Modification process, and to start back on making our mortgage payments. Things started out slowly with this company from the start, as I was put on hold multiple times only to receive the e-mail address of XXXX XXXX, whom I was told would be the person handling our Loan Modification. After e-mailing this person as instructed, she responded and referred me to another person, XXXX XXXX who would supposedly be the person handling our modification. It was mentioned in the email that he was out of the office, but for us to keep in mind again, it would take a couple of weeks for the paperwork to settle into their office. A couple of weeks went by and I followed up with an email to XXXX XXXX to no response. After a few days, I placed a call to Statebridge, this time asking to speak directly to XXXX XXXX. I was transferred to XXXX XXXX who seemed to know nothing about our Account, our Loan Modification or anything. He said he would look into everything and get back to me within a few days, of which I heard nothing. A week later, I sent a follow-up e-mail to the first person I was referred to, XXXX XXXX to no response. A couple of weeks went by and we were now towards the end of XX/XX/XXXX and I began to feel leery of this new Company and its intentions. I placed another call to XXXX XXXX, who informed me that he had not received our Loan Modification packet, and that he would have to speak to the investors at his company about starting another one. He again stated that he would get back to me, of which he never did. I called again ( not sure of the date, but by this time we were in I believe the end of XXXX or the beginning of XX/XX/XXXX ). I spoke again to XXXX XXXX who still had no information, nor any options for us at that time. I asked to speak to someone else and was mysteriously disconnected. This happened on multiple occasions. In XX/XX/XXXX, we received a Sheriff Sale Date for our home. We immediately contacted a HUD Certified Counselor as advised in the notification letter we received ; ( we had no prior knowledge of this office or this type of assistance ). It was at an appointment with our HUD Counselor, that she placed a call to Statebridge Company and identified who she was. It wasn't until then, XX/XX/XXXX, that she was immediately given instructions on how to download a Mortgage Assistance Application from the company 's website. We had never been offered this option prior. We were granted 2 adjournments on the Sheriff Sale, and during that time, completed and submitted the Mortgage Assistance Application that was downloaded from the Statebridge website, by our HUD Counselor. We submitted it via. email & fax on XX/XX/XXXX. It was immediately denied, claiming No Time to Evaluate, foreclosure sale is scheduled for XX/XX/XXXX. I immediately responded, informing that an adjournment was granted, extending the sale date to XX/XX/XXXX. They responded with : The letter still stand, there is not enough time to review. I now believe the sole intention of this company is to force the foreclosure and sale of our home, which is why they didn't offer us any assistance or options from the start. They would more than likely be the ones to purchase our home too, since it's worth over {$100000.00} more than what we owe on it. We moved on to pursue and received a Court Ordered Stay of the Sheriff sale until XX/XX/XXXX. During the Court session, the Statebridge Attorney, XXXX XXXX was conferenced in by telephone. He stated in Court that Statebridge had been waiting for paperwork from us back in XX/XX/XXXX. My husband and I are totally un-aware of this request for paperwork and believe this statement to be totally untrue. We testified to this in court. The Judge has ordered for the Statebridge Attorney to receive the original loan modification from us and for him to submit it to the Statebridge Company. The paperwork was submitted to the Attorney via. Email on XX/XX/XXXX. XXXX XXXX asked that I follow up with him for an update the following week. I left to messages with XXXX XXXX this week and did not receive a return call. We are not sure of what to do at this time. We have been treated very unfairly since day one of the transfer of our loan to Statebridge Company. As shown in the Client Action Plan, drawn up by the HUD Counselor, we can clearly afford our house, and are not being given a fair chance to retain it. I've attached all associated documents in order from the beginning of this ordeal. We look forward to hearing from someone soon. Thank You!
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| 04/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I became past due late last year due to becoming XXXX XXXX. I tried getting assistance through my servicer which is Statebridge however the agents there are so rude over the phone and bully you off the phone whenever you call to speak with them. It's more than one agent that is like this. They act as if they don't have to follow any rules or laws and they are very discriminatory towards anyone who needs assistance. No matter how many times I tried applying for mortgage assistance this company would find a reason to not review my case and the stress has taken a toll on me so I have a 3rd party assisting me at this point. The third party submitted an assistance package on XX/XX/XXXX through the main email for Statebridge and also directly to the agent they said was handling the case who is XXXX XXXX. On the same day we got a confirmation email that the documents were received. We have attached that email for your review. On XX/XX/XXXX the 3rd party called the lender and spoke with XXXX who stated that they have all the documents but have not reviewed them yet. On XX/XX/XXXX, the 3rd party called again to check status and spoke with an agent named XXXX. XXXX was super rude and would not let anyone speak. She acted as if there was never a package submitted and when she was advised that we already have confirmation of the package received in writing she got very defensive and was condescending. She was asked for her manager and she stated there is no manager there. She then said that XXXX XXXX was no longer there and to resubmit the file to the new agent handling the case to XXXX. We told her that they already have the documents and she said oh well, we have to send them again and that the agent was on vacation so we would have to wait for an update. We did email the package to the email given on this same day. Today, XX/XX/XXXX we called again for an update. We spoke to XXXX, who again had no clue what was going on she said she would transfer us to XXXX and asked if we ever talked to them and we said no, we have never had any communication. After being on hold for a very long time XXXX XXXX gets on the phone. This is the person we were told no longer is there or handling the case earlier in the month. XXXX is immediately being rude and states that our agent is busy and she can not read his mind to give us an update. When asked to read the notes on the file, she says that there are no notes. She was being rude and snarky and would cut us off anytime we said a word. So we advised her that we will be filing a CFPB complaint and hung up on her. She then proceeds to email us that the file was sent to the investor for the 6 month deferral plan which we did not apply for but a modification and states that we are not allowed to call the company anymore because she put a warning on the file to not talk to us and that we can only get updates through email from her. I have attached a copy of this email. We responded to this email stating that she does not have the authority to stop us from calling and that we will be informing the CFPB and Her Superiors of her discriminatory behavior and asked that she does not communicate with us anymore considering she is not even the agent assigned to our case. She proceeds to email back asking if my 3rd party XXXX wants to get the decision or should XXXX speak to someone else about it. XXXX then responded that all communications are going to come through her as she is the underwriting manager and agent on this case and asked XXXX to stop harassing her and being unprofessional.
investigate these claims and do something about it. I will not allow this to continue and The point behind my complaint is that this company has agents that are on a power trip and feel like the mortgage laws do not apply to them. They speak to us with contempt and rudeness and when asked for a manager, they state they do not have one and they have one of their friends in the office call and pretend to be a supervisor. I want my file reviewed fairly as I have one of the main hardships, which is XXXX XXXX. I want to be spoken to with respect and dignity and treated the same as well as the 3rd party assisting me. These people are on a power trip and discriminate against who they want and seem to have no management to correct them whatsoever. My loan should be eligible for a loan modification as I can not come up with the past due but I do receive XXXX income now and can afford payments if they were to just put the past due on the back end. Also, my interest rate is predatory and I am elderly and they want to take my home instead of help. Please review everything I have attached as well as all the other complaints from other borrower 's stating the same exact thing we have in this complaint. There are complaints on XXXX, the XXXX, and HERE as well as several other places stating that this company treats people with very little dignity and they discriminate against us due to race, income status, and sex. They have no real management and can pretty much get away with saying and doing anything. I am asking the CFPB and the Office of the President of Statebridge to will seek legal action against Statebridge if needed.
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| 04/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To : XXXX@statebridgecompany.com XXXX XXXX at XXXX XXXX Second Follow-up It is very important that I hear from your company, that this correction has been made?
-- -- - Forwarded Message -- -- - To : XXXX@statebridgecompany.com Sent : Friday, XX/XX/XXXX, XXXX XXXX PDT Subject : Fw : Statebridge Company XXXX Fw : Statebridge Company XXXX XXXX/Sent To : XXXX@statebridgecompany.com XXXX XXXX at XXXX XXXX Follow-up -- -- - Forwarded Message -- -- - From : To : sorozco@statebridgecompany.com Sent : Tuesday, XX/XX/XXXX, XXXX XXXX PDT Subject : Re : Statebridge Company XXXX Hello XXXX I received my XXXX statement yesterday, and it is showing amount due is {$1700.00}. This is including the late fee that was for my XXXX. payment. This statement is dated XX/XX/XXXX, after our phone conversation. I also called your company and left a message for you to call me today at my time XXXX XXXX, so I could get clarification. This is of a serious concern for me, because your company 's billing system appears not to be updating my account accurately and timely. This is why I had the suspension that my XXXX payment was not posted when it was received. This is why I ask for the Late fee to be waved.
1st ..I received a letter stating that my mortgage was increasing from {$1500.00} to {$1600.00} an increase of {$100.00} and now a late fee of {$71.00}, for my XXXX Mortgage. My XXXX statement shows that my payment will be {$1700.00} ; I do not want {$1700.00} deducted from my bank account on XX/XX/XXXX. ( only the correct amount for {$1600.00} ) Please make sure that this correction is make before my XXXX payment is processed. ( XX/XX/XXXX ) 2nd ... .. I would like a corrected statement sent to me As Soon As Possible showing that an accurate amount that will be deducted my account. Because, at this point I am not trusting you company is being truthful in their accounting.
I have never dealt with a company that causes so many issues when it comes to customers trying to keep their part of their contract and the company causing more stress that necessary. I stride to keep my credit Excellent and now I am worried that your company will be the one to XXXX it up. I realize that your company not a very large one, but putting their customers at risk should be a very important factor.
I would appreciate assistance in correcting this matter ASAP. Thank You On Thursday, XX/XX/XXXX, XXXX XXXX PST, Thank you very much.
On Thursday, XX/XX/XXXX, XXXX XXXX PST, XXXX XXXX wrote : Hello XXXX , This is XXXX Following up on our Call. Good news the late fee is being removed you should see this on you billing Statement for XXXX.
Best Regards, XXXX XXXX XXXX XXXX Servicing Specialist Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX ( p ) ( XXXX ) XXXX-XXXX | ( f ) ( XXXX ) XXXX-XXXX ( Toll Free ) XXXX-XXXX-XXXX XXXX@statebridgecompany.com To : info@statebridgecompany.com XX/XX/XXXX at XXXX XXXX Hello XXXX My account in .., appreciate it if my late fees for my XXXX mortgage could be waved.
My bank states that the payment was set to be at your company on the XXXX, they sent a check, which goes to a lock box, no one can sign for it at the lock box. The same is that your company can't prove that my payment was not received on that date, also there was a 3 day weekend and which my payment posted the day after the holiday XX/XX/XXXX. Most companies will allow a late fee to be waved once, when the customer has shown that they pay on time. However, because my account has not been with you for a long period of time and fact that I called checking 2 to 3 days before the XXXX, I appreciate the consideration for waving the late fee. This was a hassle first trying to make sure that my account stayed current from the first. I could not pay on line without paying and additional {$5.00}, I could not pay by phone without paying an additional {$5.00}, So I was told to set it up at my bank, but was not told that my bank could not wire the payment, your company does not have that service. The first couple of months my payments were never off by 6 days. I would appreciate it if you could get my late fees waved for XXXX. Going forward my payment have set up on your end ad auto pay. Please let me know if there will be a {$5.00} charge monthly. I am hoping for your cooperation. Thanks To : info@statebridgecompany.com XX/XX/XXXX at XXXX XXXX Second request Hello XXXX I missed your call on Monday 3-5, and tried to return the call today at XXXX your time. I was told that you were on another call at the present time and massage would be left for you. I ask that if you did call me back, please leave me a message that was pertaining to my request of waving late fees. I received no response today, so again I am e-mailing you. I would appreciate an answer to my request, as soon as possible. Thank you
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| 03/28/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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We are writing to issue a formal complaint against XXXX XXXX We had two loans that XXXX XXXX has been servicing : These were loans that led up to the financial crisis of XXXX.
We faithfully paid these loans, even though they stretched us financially during the crisis and beyond We were able to modify these loans in XXXX of XXXX.
There were a few months leading up to that point that we did not pay the loans.
During this time of non-payment on our part, we worked diligently to modify our loans, finally having success in XXXX of XXXX.
During this time of non-payment of our loans, we received constant phone calls and certified letters from their company, heres an example of the letters received by us : ( certified mail - could not post here ) After that point of modifying our loans, and consolidating ( or so we thought and were told by XXXX XXXX ), we then received just 1 mortgage statement, one bill, never by mail, that we have faithfully paid because we love our home and plan to stay here.
We were never contacted by XXXX XXXX by phone, mail or email that the second loan did not make it into the modification. We never received a certified letter, which was their protocol just months before, as the certified letter above is an example of? And we never received a statement or bill for this second mortgage.
In fact, in looking on the XXXX XXXX dashboard, which I dont regularly use, I now notice the second mortgage is still on there, but there are only 5 months of statements, 8 months after our loan modification. So no bills or statements 8 months after our modification, when our payment changed, with our loans consolidated with a new term and interest rate.
Fast forward to today, when the loan has been sold multiple times, of which we were unaware, and the loan is now coming to maturity, we received a demand letter at the end of XXXX by Statebridge, during a pandemic, and the loan comes to maturity at the beginning of XXXX, and not only do we owe the full principle, but fees and outstanding payments for the last 6 years. Again, we did not know this loan existed anymore, and never received a bill for it in all of 6 years, by any of the loan servicers.
Instead, it seems they quietly pulled this from under the rug after our modification, and quietly sold it to assume no responsibility for zero contact on their part?
We did everything we were supposed to do, and we were told that the loans were being consolidated, and that is why our mortgage went from 30 to 40 years.
When I called recently to talk to about this with XXXX XXXX, I have been repeatedly told that its 100 % our fault, we should have known this, things like this happen all the time, and they dont have the loan anymore, so their hands are clean.
We pay our bills. If we knew there was an outstanding bill, we would have paid it and been dealing with it. This is an extremely stressful situation as well as a financial hardship during this time.
On the phone with one of their employees, she told me that we had been getting regular monthly statements for this bill in the mail, until they sold it. WE DID NOT. And on the website dashboard for our accounting for this loan, there were no statements that appeared after 8 months of our modification.
Now, during a pandemic, we are faced with a demand of a balloon payment or we could loose our home, and the full amount of a loan we have not paid in 6 years with the fees attached to that because we never received notice. We thought this was an outside scam for money at first, because we believed that with our modification, we had combined our loans, as the loan officers had told us we were doing.
We followed all the protocols, and now are faced with a huge financial challenge.
Now I understand that the loan was sold off to XXXX. Did XXXX XXXX make a profit on that?
We also had no communication with XXXX. They told us that they sent us one letter when they sold it, and the letter stated the loan was being sold so we should keep paying it as we always did, that there was no action on our part. No red flag or reason to be concerned or even quite understand that there was a problem. We do not physically have this letter and do not recall receiving it, but this is something XXXX recently sent to me digitally as I was trying to figure out what was happening.
Your loan will continue to be serviced by your current loan servicer, XXXX XXXX XXXX XXXX You should continue to make your payments just as you always have.
We look forward to hearing back from you regarding this unfortunate situation.
Sincerely,
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| 11/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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Statebridge Company LLC failed to apply my XX/XX/XXXX mortgage payment to my account and subsequently began to report my mortgage payment as being late from XX/XX/XXXX until the present. I have provided a copy of my bank documents validating my payment was made and processed by their company. In addition, Statebridge Company began to delay posting my payments to my account until after the XXXX of each month, thereby allowing a late charge to be assessed against my account.
Summary Detail : XX/XX/XXXX : 1. XX/XX/XXXX statement indicated our XX/XX/XXXX payment was not made ; 2. On or around XX/XX/XXXX, We called Statebridge Company and advised the representative we made the XX/XX/XXXX payment, and that the payment ( check ) cleared our checking account on XX/XX/XXXX ; 3. We were told by Statebridge, maybe you just think you made the payment ; 4. It was suggested that we make copies of our documents indicating the payment was received and processed by Statebridge for their review XX/XX/XXXX - XX/XX/XXXX : 1. I have not been able to follow this issue closely due to my ongoing critical health issues ( i.e. : XXXX XXXX XXXX XXXX ( XXXX ) ) requiring frequent extended inpatient hospitalizations ; 2. At least one additional phone conversation was conducted in an attempt to resolve this issue.
XX/XX/XXXX : 1. In an attempt to resolve this issue, we created an online User ID and Password in order to expedite a solution to the alleged missed payment and in order to make our XX/XX/XXXX mortgage payment ; 2. After many unsuccessful attempts to input financial information online to process our XX/XX/XXXX payment, we decided to call Statebridge.
XX/XX/XXXX : 1. Prior to placing a call with Statebridge, we made several additional unsuccessful attempts to make or XX/XX/XXXX mortgage payment online ; 2. Placed call to Statebridge Company to : ( a ) address the problem we were experiencing in our attempt to make our XX/XX/XXXX mortgage payment ; and ( b ) to receive credit for our XX/XX/XXXX payment which Statebridge obviously applied to the wrong account, and ( c ) for the removal of approximately {$920.00} in assessed late charges as a result of the alleged missed payment ; 3. Statebridge Company, per XXXX, informed me Statebridge Company would not allow me to make our XX/XX/XXXX payment due unless we also paid the alleged missed XX/XX/XXXX payment, along with all late charges which have accrued as a result of the alleged missed payment ; 4. After explaining we had made the XX/XX/XXXX payment and had copies of the bank statement and canceled check which verified the payment, XXXX suggested we make copies of the documents and submit the documents ALONG with determining if tracking or reference number was assigned to the payment by our bank ; XX/XX/XXXX : 1. Upon gathering documents, we called Statebridge Company again to ensure best delivery options and to attempt to make our XXXX payment again ; 2. Statebridge Company, XXXX XXXX, offered to assist us as XXXX was not immediately available ; 3. We provided a brief history, including our concern that our XXXX payment was due today ( XX/XX/XXXX ) to avoid a late payment fee, and we discussed how our monthly payments were being delivered by our bank ( XXXX XXXX XXXX ) prior to exceeding the grace period to avoid late fee assessments, but not being applied to our account until after the expiration of the monthly grace period. thereby resulting in late charges being applied to our account ; 4. The delayed application of our payments did not start until XXXX to XX/XX/XXXX time frame ; 5. Statebridge Company ( XXXX XXXX ) requested the following to be sent directly to email account : a ) Copy of the XX/XX/XXXX canceled check and bank statement ; b ) Request XXXX XXXX XXXX to provide a report reflecting the dates payments were made to Statebridge Company ; 6. Statebridge Company ( XXXX XXXX ) stated upon receipt of the requested documents the documentation would be reviewed, a report would be generated for line management to determine what relief could be provided regarding the alleged missed payment along with the accrued late fees.
7. We again attempted to make our XX/XX/XXXX mortgage payment, and again we were told Statebridge Company ( XXXX XXXX ) would not accept the payment, unless we included payment for the alleged missed XX/XX/XXXX mortgage payment along with the accrued late payment fees ; ___________________________________ XX/XX/XXXX XXXX XXXX. XXXX Date
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| 06/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX we received notice from XXXX XXXX that our loan had been transferred to Statebridge Company and that they 'd be contacting us shortly so we 'd know how to make our next payment. Statebridge sent us a letter with basic information and we made our first mortgage payment on XXXX XXXX, 2016 ( the paperwork did n't arrive in time for us to make it by XXXX XXXX ) using checking account information through their website, StatebridgeCompany.com Our payment showed posted on the Statebridge website in the loan detail section, but the money was not removed from our bank account by the end of the month. When I called to inquire, the only information Statebridge would give me was that payments usually take 10 business days to complete, and might take longer because it was a " new '' loan. In spite of having faxed authorization to speak with me ( I 'm the lien-holder 's spouse, but not on the mortgage ), Statebridge would only say they had n't yet entered it and could n't discuss account details ; I emailed the form, since the original fax had n't been recorded.
XXXX 's payment was also made through the Statebridge website, using checking account information, on XXXX XXXX, 2016. A couple of days later, we received a letter stating we must be " distressed '' to be behind on our payments and that we should contact them for options to work out the overdue payment and avoid foreclosure.
I called Statebridge immediately, but when I was finally able to reach an agent ( typical hold times exceed 40 minutes and a request to leave a message/be called back is repeated the entire time ) they told me the payment showed posted in their system ( XXXX XXXX payment posting XXXX XXXX ) but the transaction had n't been completed. The agent, XXXX, also told me not to worry about it because now that they were posted we were n't going to be 45 days behind and headed into foreclosure, even if they had n't cleared yet. XXXX refused to give me any other details because, yet again, I did n't show up in his system as authorized to gain account access/details, and asked me to email him the forms previously faxed XXXX e-mailed ; I did.
On XXXX XXXX, 2016 we received a letter via USPS for a notice of insufficient funds, which stated " your bank has returned and marked check number WEB as NSF in the amount of {$1500.00} ''. However, the funds for the XXXX and XXXX payments ( both {$1500.00} ) have been in our account since the first payment in XXXX ; in addition to showing available through online banking, a call to our bank 's customer service indicates not only are the funds still available, no attempt to process a debit in the amount of {$1500.00} has taken place since XXXX XXXX, 2016.
I immediately called Statebridge, was placed on hold for 44 minutes, and finally reached Servicing Specialist XXXX again. He told me, yet again, that I was n't authorized to discuss the account in spite of me re-sending the authorization form. Since my husband, the lien-holder, was home and available, he spoke to XXXX and authorized our conversation. XXXX told him to send an e-mail to XXXXXXXXXXXX ( the same e-mail to which I had re-sent documents the week before ) with a request to allow me permanent access to the account, which my husband did immediately.
In discussing the payment issue with XXXX again, he told me the only thing I could do was email him my bank account and routing number, as he could n't access it, along with a letter explaining the situation, for him to forward to the appropriate department. He also told me to get a signed letter from the bank stating the funds were ( and had been ) available since the first payment was made XX/XX/2016, since the current statement does not cover the XXXX 2016 transaction date. Once that letter has been received by the appropriate department, " we may be able to correct the issue '', but at this time our payments show as delinquent.
|
| 06/09/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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In XXXX XXXX XXXX XXXX sold our XXXX loans, a mortgage and HELOC to Statebridge Comapany. While we have had issues with both loans, the HELOC is what this complaint will detail.
Although the HELOC transferred XX/XX/XXXX, it was n't until a notice of overdue payments in XXXX XXXX that we received anything from Statebridge Company. This was after numerous calls and attempts to make a payment from XXXX XXXX onward. Each time a Statebridge representative told us that a payment could not be made because the loan was not fully set up in their system. We were not pleased to receive a late notice on a loan which we had received no statements, and worse yet, had not been allowed to make a payment over the phone even. Given the fact the mortgage loan did n't start smoothly, we had hope that this too would get figured out. We never did receive any statements until XX/XX/XXXX. Instead we were instructed to go online at or before the XXXX of each month and make a payment for the exact due date so as not to incur any fees. While this was less than ideal, we had to make payments so that is what we did. We attempted to set up ACH payments, however were told that a HELOC can not be set up for it. So instead we paid either a {$5.00} online fee, or a {$15.00} phone fee to make our payment each month. Finally XX/XX/XXXX when we began to receive statements it simplified not having to go online to find out the due date, however the statements arrived too late to make the payment by the due date, so we had to go online to pay anyway. In XXXX XXXX the statement showed that {$2400.00} was overdue. Although it showed payments were applied, it also showed that all payments from the beginning had been reversed. Reversed where? And why? Several calls to Statebridge revealed no answers. In XX/XX/XXXX we were told that it was a system error and to make the usual monthly payment. The issue was being forwarded to another department to be corrected and we would hear back the following week. After waiting a week and no response, we called again and were told the same thing. To this day any reversed payments have not shown up in our bank accounts, so not sure what it means, nor have we had any luck from Statebridge telling us what it means, other than it is an error and to continue making our monthly payments and not to worry about what is shown as an overdue amount. We again attempted to set up ACH, which a representative now said we could do with a HELOC, but only after the account was not overdue. In XX/XX/XXXX we could no longer pay online because that option is only available to customers whose accounts are paid up to date, so we paid over the phone. Although the Statebridge representative agreed that there is an error and we should only pay the normal monthly amount, we do not have the option to pay online. Finally in XXXX, we decided to send our payment by mail so that we could include a note to please have someone call us on this issue since nobody who we called could make sense of it, or transfer us to someone who could. We sent this payment the day we received the statement in the mail, which was XXXX XXXX. Our bank copy of the check shows it being stamped by Statebridge on XXXX XXXX XXXX with the words " Past Due '' hand written on the check by XXXX. As if it is n't bad enough, on XXXX XXXX we noticed that our credit had received a negative mark from Statebridge as a loan 120 day or more past due. This took our credit score from XXXX to XXXX. Wow! Talk about adding salt to a wound. To date we have not received any late notice about this, attempts to collect, nothing other than the monthly statements. We have worked very hard to get and maintain an excellent credit score. We pay all of our bills on time. We hope that this matter can be resolved and our credit restored. We would love to refinance through another bank, but as of now we can not due to this issue.
|
| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
My original complaint about our mortgage servicer Statebridge Company LLC, that we filed with the CFPB outlined numerous issues we were having with the servicing of our loan. None of these had been addressed by the company in the one year they had been servicing our loan, prior to the in evolvement of the CFPB. When our complaints came back to this company through the auspices of the CFPB, we began to see Statebridge respond to issues they had failed to address previously.
However, the way they have responded to just the very first of the problems with this loan, gives pause. This particular item involves our homes inclusion on the XXXX XXXX County Foreclosed and vacant properties list. It was on this list from XXXX of XXXX until XXXX of XXXX when my son finally got it removed by educating the government agency that owns the list of the fraud involved in our properties inclusion on this list. We had asked the CFPB to demand Statebridge give an explanation for how and why we were on this list, why it could not remove us from this list in the span of over a year and when will we be removed from this list and reimbursed the substantial costs weve endured. While we no longer needed to be removed from the foreclosed and vacant properties list ( having done this ourselves ) we still needed to be reimbursed fairly for costs and damages, and we still required an explanation for this strange occurrence and for the inexcusable length of time that fees were continuing to be charged to us.
Statebridge explained the inclusion on this list by producing a never before seen document in the form of a letter of default dated XXXX XXXX XXXX. This was just before our home went on the list, so that should solve that. Right? I dont really believe this document is authentic for reasons I will explain, it doesnt bode well either way for this thing, and that is what I find so darned interesting here. Inspite of the chain of custody Statebridge included with this letter, showing that an attempt was made to deliver it to our home back in XXXX XXXX. It was, I read, eventually returned to Statebridge, when we failed to sign for it ( allegedly ).
Bear in mind, we not only did not receive this letter of default ; it was not filed, it was not referenced in any of our communications with Statebridge. It has never come up. The many calls I made to Statebridge after XXXX XXXX, trying to find out why no ACH transfers had yet gone through me bank account, found me with someone who wanted to insure me that there was nothing wrong and nothing more I could do. Just be patient I was told and the payments will start coming through soon. I have the exact dates and times of these calls that were scattered throughout XXXX. I know quite well what the content of any recordings of these calls, made by Statebridge or others, would include, and would not include. Statebridge should be required to supply these tapes. If they are being honest, they have absolutely nothing to fear.
The really odd fact of this letter of default, beyond its never seen- never filed status, is the date it was written. Statebridge had only started servicing this loan in XXXX of XXXX. I was never late on a payment with XXXX in the five years they had been servicing this loan prior to Statebridge. My welcome letter from Statebridge, did in fact include a sweet note about payments not being considered late for the first two months of servicing due to the change in servicing companies and the complications and extra grief entailed in such changes. So I dont believe that a XXXX letter of default with a warning to accelerate, well, smacks of legitimacy. I think that either way one tries to argue the facts of the situation, it is one more big red flag that something is really wrong with this company that needs to be brought to someones immediate attention.
|
| 03/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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My mortgage was sold to a new lender in XXXX of XXXX. Statebridge Company provided appropriate documentation the month of XXXX regarding the acquasition and introducing themselves as my mortgage servicer. I kept the same payments and ensured the company was taking the correct escrow with each statement. I was made aware in XXXX XXXX that Statebridge Company had not been paying PMI which is required for my loan due to the LTV. I contacted Statebridge on XXXX/XXXX/XXXX and spoke with XXXX XXXX, CS rep regarding this issue. XXXX XXXX stated they were not notified by the previous lender about PMI and he would send a request to the escrow department for assistance. I requested at that time to speak with someone in the escrow department to see if I could provide any documentation from my previous loan to expedite this process. XXXX XXXX stated I was not permitted to speak with anyone in the escrow department. I then asked to speak with the supervisor since I should be permitted to speak with anyone who is handling my money. XXXX XXXX then stated that the supervisor XXXX XXXX XXXX was in a meeting and could not take my call. He also stated that this was not a case that needed a supervisor and he did not see the need to transfer. He did suggest that I could email the escrow department which I did the same day ( attached ). I waited one week to get either an email or phone response and did not receive anything. I called back and spoke with XXXX, CS rep and asked if he knew of any progress. He stated he could only confirm that a task had been placed for the escrow department to review my issue. I again asked if I could speak with someone in the escrow department to check on status since XXXX stated he could not see any progress. I was again told I was not allowed to speak to anyone in that department. I then requested to speak to the supervisor again by name. XXXX states this was not an issue that required a supervisor and refused request. I requested the supervisor several times until XXXX finally transferred me. I spoke with XXXX XXXX XXXX who recited the same information the above CS reps stated that they were not required to allow anyone to speak with the escrow department. I stated I should be allowed to speak to anyone who is handling my money. XXXX XXXX inferred I had basically no rights to speak with anyone, they had their own policies in place and they would do what they liked. He also stated I knew nothing about the mortgage industry. He stated he applauded XXXX XXXX for providing and email address to the escrow department and that is all they need to provide. He was very rude, condescending and got on the phone confrontational. I waited approximately 2 weeks for communication from Statebridge. I called back and spoke with XXXX who stated she could see that a PMI company had been added. I asked if they had been paid for back services from the orgination of my loan in XXXX. She stated she could not see anything because this information was sent to XXXX XXXX who would contact me when he was able. I contacted Statebridge ( XXXX/XXXX/XXXX ) once last time prior to this filing and spoke again with XXXX in CS dept. He states he sees activity on the task placed by XXXX XXXX XXXX/XXXX/XXXX regarding the PMI and a request I made for escrow analysis. I requested to speak with XXXX XXXX but was told he was on another call. I asked XXXX the name of the PMI company for which he was unable to find but did provide a mailing address. I asked if the company listed on the webpage was correct, PMI Mortgage Insurance Co-but he was unable to confirm.
I did contact PMI Mortgage Co and provided Policy # listed on my online acct with Statebride to check status. CS rep at PMI co states that policy was terminated XXXX by XXXX which was my previous mortgage servicer. I attached copies of statements.
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| 05/11/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Requested Investor info after denial on XX/XX/XXXX in writing from XXXX XXXX at XXXX XXXX, XXXX, Not Its Individual Capacity but Solely as Trustee of the XXXX c/o XXXX, XXXX XXXX XXXX XXXX, FL XXXXTold INV " not offering any mods as retention at this time '' with no explanationsAppealed denial on XX/XX/XXXX based on income change for XXXX XXXX for HAMP due to NPV Test failure on XX/XX/XXXX which showed value of $ 69k and GMI of $ XXXXSPOC XXXX XXXX advise he will submit for review of In-House Mod on XX/XX/XXXXSale date was on XX/XX/XXXX and was canceled per the Sheriff 's Department on XXXX was not successfully canceled and had to be rescinded in XX/XX/XXXXClient was under final review for Trial Plan Offer she received from XXXX XXXX when she was pre-approved for the HAMP Program in XX/XX/XXXX.
Their loan was sold to Statebridge less than 2 wks after the HAMP Pre-Approval. No docs were sent to the borrowers. The SPOC at Statebridge, XXXX XXXX, was given the info from XXXX and ran the numbers but came back with a denial XX/XX/XXXX b/c NPV Test was negative. THE OFFER WITH XXXX WAS PRE-APPROVED STREAMLINE HAMP MOD TRIAL WITH NO DOCS NEEDED.
XX/XX/XXXX, their total amount due at XXXX XXXX was {$72000.00}, less than $ 3k over their NPV Test value at $ 69k. Their I/R is 10.038 %.
Their P & I payment is {$680.00} ( non-escrowed ) When denied by XXXX, they were only 26 months past dueThe XXXX Loan Modification Application was sent to XXXX XXXX at Statebridge on XX/XX/XXXX via fax XXXX. On XX/XX/XXXX I had not received any response from Statebridge or XXXX XXXX so I emailed her and the SPOC when the loan was with XXXX XXXX, XXXX XXXX ( XXXXXXXXXXXX fax ) to advise I sent the Loan Mod package on both XX/XX/XXXX and XX/XX/XXXX.
Per the client, a realtor showed up on XX/XX/XXXX to advise their home was sold back to the bank ( Statebridge ) and they need to prepare for Eviction and find a place to liveI contacted the Sheriff 's Office to find out that the sale date on XX/XX/XXXX was not successfully stopped, contacted Counsel for Statebridge, XXXX XXXX at XXXX on XX/XX/XXXX and received confirmation that afternoon that the sale will be rescindedAfter two ( 2 ) months of fighting this action and error on the lender and opposing counsels behalf, we finally got confirmation of the sale being rescinded and no sale date set on XX/XX/XXXX per Sheriff 's OfficeOn XX/XX/XXXX, XXXX XXXX stated that the sale was rescinded, they HAMP was denied for NPV Test, and they are reviewing for In-House ModOn XX/XX/XXXX, XXXX XXXX advised the INV will not offer any MOD and gave no reason why.
On XX/XX/XXXX, the sale was reset for XX/XX/XXXX and denied for all options.
A written appeal and updated docs showing new income ( since the denial, the clients have experienced BOTH increased income and lessened expenses, respectively, which is supposed to entitle them to a new review ) was submitted to XXXX XXXX and XXXX on XX/XX/XXXXXXXX. XXXX confirmed receipt and said he will review immediately.
I followed up on XX/XX/XXXX. He did n't review them b/c " as advised on XX/XX/XXXX, the investor is not offering any mods at this time ''. I advised him this is unacceptable and the new docs/appeal MUST BE REVIEWED as they were submitted 8 WEEKS PRIOR TO SALE DATE OF XX/XX/XXXX.
He ignored these demands. I resubmitted on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to prompt the re-reviewI requested a new SPOC on XX/XX/XXXX but that was ignored.
Spoke to manager XXXX XXXX who refused to address the submissions from XX/XX/XXXX to XX/XX/XXXX never even reviewed.
She said she would email or fax me any/all letters but did not.She said they wo n't stop the XX/XX/XXXX sale nor will they review the docs with updated information ( income, expenses, debt, etc. ) because " they are not required to ''.
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| 05/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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To Whom It May Concern, I am filing this complaint against my servicer because they have failed to comply with my numerous Qualified Written Requests ( QWR ) and other request for information. With all the recent news and fines imposed upon various lenders and banks, I am certain that I am a victim of a faulty " mortgage-backed securities loan ''. My servicer has not complied with Federal or State law, specifically California Homeowner 's Bill of Rights ( HBOR ). Under this newly enacted law, it prohibits beneficiaries or servicers from recording robosigned documents on all mortgage-related notices of default, notices of sale, assignments of deed of trust, and substitutions of trustee, recorded in connection with a nonjudicial foreclosure, as well as declarations filed in court with respect to any foreclosure proceeding. The law further states that documents must be accurate, complete and supported by competent and relevant evidence. My servicer has failed to demonstrate that the foreclosure documents recorded against my property supports their ability and/or authority to proceed with a foreclosure. I am certain that the recorded documents recorded against my property are not accurate and are robosigned. This is in direct violation of the law. HBOR mandates that before recording or filing any mortgage-related document that it must be competent and reliable to substantiate the borrower 's default and the right to foreclose, including the borrower 's loan status and loan information. Unfortunately for me, my loan has been transferred at least XXXX or XXXX times in the last year. I am certain that my current servicer is in violation of Civil Code 2924.17 and 2924 ( a ) ( 6 ). I have no idea who the present beneficiary is of my debt obligation despite of who they tell me. Who my servicer tells me is the beneficiary does not coincide with the data I have gathered through an audit of my debt obligation. It is my belief that the Assignments of Deed of Trust recorded against my property are a complete fabrication of the truth. Despite a recent ruling that stated homeowners could challenge an assignment recorded against their properties, the California courts repeatedly rule that we do n't and choose to rely on other case law. Since when does case law take priority over law? The courts are stating that we, as homeowners, can not challenge a fraudulent assignment of deed of trust, or any instrument, recorded against our property. How can this be when we are a party to the securitized transaction and we are the homeowners? Clearly these assignments of deed of trusts are null and void because they are signed after the date these trusts have closed. No document would be valid if it was signed after the closing of the trust. Yet the lenders and the courts are repeatedly telling us we do n't have standing while the laws that are suppose to be enforced in this state tells us that we do have standing and we do have a right to challenge these recorded instruments. It seems as though new laws have been enforced to further protect homeowners but nobody is following the laws. It leaves homeowners to fend for ourselves in trying to keep our homes. We do n't have a problem in making our mortgage payments, we do, however, have a major problem making payments to an entity that is not entitled to payments or owns the underlying debt. If they are not entitled to payment they are certainly not entitled to foreclose. This is the law in California and it should be upheld. I am seeking the assistance of the CFPB and requesting that my servicer CEASE and DESIST immediately from taking any foreclosure action against my property until this matter is resolved. They are not providing me with competent and reliable evidence as the law mandates.
Thank you and respectfully submitted.
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| 10/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/2016 we were contacted via mail from StateBridge that our Mortgage was bought by their company along with a payment coupon for XX/XX/XXXX. At the time of receipt we had no notification from the current lender at the time so we called them to confirm. So once confirmed we made the payment as per the statement. When we did not receive the statement for XXXX we immediately learned that this company is not easily accessible to its customers as hold times are extremely long, when you finally reach a person, they do not provide their full names nor do they give extensions. So with no monthly statements & lousy customer service we stated on more then one occasion that we are trying to establish a business relationship with a company that we have no knowledge of who they are. Statements are one way to do that & allows us the proper documentation we need to support our loan. We realized they are not compliant & of course we did not want to put our home in jeopardy so we made payments late but through our bank. Then we started to notice phone calls come in with no messages from the StateBridge # on our caller Id in fact one @ XXXX. Yet no messages or statement however oddly enough a couple of mailings offering mortgage assistance. So after months of no contact a phone call with a message from what sounded like a guy talking throw a microphone at a XXXX drive thru stating he needed to speak with my husband about an important matter. WOO HOO I can not wait to call him back to bad he did not leave an extension but lucky me I got XXXX XXXX on the phone, after I told her that I had not received any statements. She told me that it was because I filed for bankruptcy. I informed her that it was discharged years ago & my home was not part of the bankruptcy. She proceeded to inform me that if I know I owe a mortgage then regardless I should just pay it like I did to my previous lender. I explained that I had a relationship with that lender & I received statements monthly unlike STATEBRIDGE. Then I was told I in order for them to send me statements that I needed to give them permission because of the bankruptcy. So I said OK after I was verbal mistreated I told her my loan should be current except for XX/XX/XXXX as I just made my XX/XX/XXXX payment. I was then told that I owed them for XX/XX/XXXX, WHAT! I paid that to the previous lender, your problem not mine. Once again upset I told the rep I did but to the previous lender. So I was told I needed to call them & get my money back to pay them. Really no I have to do their job I am not employed but Statebridge. Somewhere she realized something & changed her tone & decided to email all my payments to review. I then call my previous lender who has great customer service & they explained what they told me & they reassured me that it was paid & it was part of the sale & they would send expedited correspondence to StateBridge to resolve the matter. So today a I come home to a phone message from StateBridge, so my husband calls & of course you can not reach the person that left the message so my husband talked to someone else. He verifies SS #, address, phone # my husband asked if the phone call was being monitored & if needed could he get a transcript. the representative verified receipt of the letter stating we wanted monthly statements but would not release updated account information to my husband. He then asked to be put on the phone with someone who could. Apparently no one was available with that authority. my husband asked him to verify that the account was up to date except for XX/XX/XXXX & he did. At the point my husband asked for a copy or a written transcript of the call & the representative hung up.
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| 05/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX, Statebridge Company reported it did not receive payment for several months. I stated it did not receive payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. As a result of its false recording, it produced a Notice of Intent to foreclose on our property : XXXX XXXX XXXX, XXXX, CA XXXX. As a result of this false reporting, it damaged our credit by reporting several lates against our credit and assessed various late fees. It also rejected our XXXX payments we submitted each month, through XX/XX/XXXX. However, when we provided to Statebridge that we submitted payments each month, and that they cashed our checks each month, and that they kept our payments each month, they stated they reversed their accounting in XXXX, but still kept the negative credit reported against us and still rejected our payments submitted each month in XXXX. In addition, as a result of their false reporting, they caused us significant financial loss from our ability to refinance loans and save significant amounts per month. We requested in writing several times Statebridge address this matter and accept our monthly payments. They continue to reject our payments, delay responding to our request to correct this problem they created, and reimbursement for our financial loss suffered as a direct result of their errors made with monthly payments. We were told over several months that we would receive a written response from Statebridge that states they've corrected these errors and that they agreed that we did make all of our payments in XXXX. However, we have not received any notice from them, as we continued to follow up with they each week. Lastly, when we now call Statebridge they hung up on us atomically, even after calling back 5-6 times. When we're finally able to reach someone they state they can not speak with us and place us on hold for over 30 minutes, and then the phone eventually hangs up. Because this happened more than once we tried calling Statebridge using a different phone number, and this time Statebridge did not hang up initially as we believe they did not recognize the phone number in which we were calling. We reported this matter to Statebridge twice, and they stated they did not know this was a problem. Nevertheless, we've requested verbally and in writing ( via emails and letters ) that Statebridge 's escalation department resolve this matter and answer the following specific questions : 1 ) Why did you falsely report payments missed in XXXX? ; 2 ) Why did you send us a Notice of Intent to Foreclose if all payments were received in XXXX? ; 3 ) Why are you rejecting our XXXX payments if you confirmed all payments were made in XXXX? ; 4 ) Why did you assess late fees against us if all payments were submitted in XXXX as Statebridge confirmed? ; 5 ) Why did Statebridge report to credit reporting agencies that we did not make our payments in XXXX and in XXXX? ; 6 ) Why is Statebridge taking longer than 6 months to respond to our questions and resolve this matter and reimburse us for our financial loss? These questions were asked of Statebridge several times, and they were given several deadlines to respond. The last deadline assigned was XX/XX/XXXX. To date, Statebridge has not responded and we were told several times Statebridge will call us back " in 5 minutes '' with no return call ever made, and we were told a Statebridge Vice President would call us, and to date no one has ever called. Lastly, Statebridge has threatened foreclosure based on the errors by them and their poor accounting of our payments.
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| 09/06/2019 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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My contact with this company began on XX/XX/XXXX of this year when I had to call them to fix my acct. no. and was told by Statebridge rep. XXXX that based on my SS # and phone no. my acct. no. was xxxx xxx xxx, and he commented " it is a new acct., so even though you can not yet make a payment on it yet, if you do so by XX/XX/XXXX that should be good. " This was my first, and my last positive contact with this company. What followed were several increasingly frustrating attempts to make payments to this company culminating with my attempts to set up an online acct. through what is, at least to me, a very confusing acct. set up protocol, and a desperate phone call for help that ended when I was told that if I could not give them a name or S.S. # they could find, then they could not help me. I should also add that I suffer from XXXX XXXX XXXX and this has greatly impacted my ability too handwrite or to speak firmly, particularly on the phone. What I was able to do was to write several urgent requests for assistance through Statebridge 's web site portal seeking customer input at XXXX, all of which were, by all appearances completely ignored. I have included one of these appeals in my attachments, and have tagged it as Appeal 1. So, as a result of simply seeing no other way of making payments, I came up with the idea of wiring funds to them through my bank, which is XXXX XXXX. After following all their online instructions for how to wire funds to them, on XX/XX/XXXX, I was elated to find that Statebridge Company had actually cashed my first check I had wired to them, for payments owed to them ''for XXXX, XXXX, and XXXX, for a total amt. due of exactly {$140.00}! Success, or so I thought. My rationale was to assume that facing the realities of one of their customer 's legal name, spelled correctly, the exact property address and zip code, plus the payment of the exact amount owed, to the penny, would override any concerns about a lack of a specific account number, plus given their wired check rule to include the account number for their own bank ( XXXX XXXX ) seemed to justify my simplifying to include my name, the property address and zip code, plus thr exact amount owed. I could hardly wait for my XXXX mortgage statement to arrrive so I could hold in my hand proof that I had finally paid up on what I had owed to Statebridge.
By late XXXX, my statement arrived, and just like the previous months, I was given exactly {$0.00} credit for having paid my account up to date! How could the same company who had accepted my wired payment of {$140.00} now be giving me no credit on my account? Since this payment I have asked my bank to keep wiring them {$47.00} indefinitely to arrive no later than the first of each month. Since my bank is not permitted (????? ) electronic access to XXXX XXXX they must do so by sending their bank a paper check on or about the XXXX of each month, which they have faithfully done for XXXX, XXXX, and XXXX. What this means, of course, is that while I have paid my 2nd Mortgage in full through XXXX of XXXX, in reality I havc paid {$0.00}, and my account and according to my XXXX statement, you are now 138 days delinquent on your mortgage loan!
I am also quite certain that as of XXXX Statebridge has been quite busy systematically destroying my and my wife 's credit reports, which is quite possibly the biggest reason I decided I MUST seek the help of an outside government agency like the CFPB to wake this company up. I simply do not trust this company to properly clean up our credit reports by itself.
|
| 07/18/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I have a XXXX mortgage that was originally taken out with XXXX XXXX XXXX. Through a series of events during the financial meltdown back in XXXX the terms with XXXX were changed. That letter and subsequent CFPB case were addressed back in XXXX due to XXXX trying to sell the loan with different terms and aprox. {$50000.00} in fees on a $ XXXX balance. XXXX which I believe is a subsidiary of XXXX XXXX somehow ended up with this through a name change or sale of the loan, I am not sure. Please refer to cases : XXXX & XXXX.
Now Statebridge LLC is trying to foreclose on a debt I just recently found out about as I have not been called or sent any mail since the last CFPB case was closed. No statements, payment coupons, nothing. The only way I found this debt has resurfaced was when Statebridge sent it to the credit bureaus as a past due account, thus crushing my credit. This debt has sat on on credit report for over a year. Again, not contact from XXXX, XXXX, XXXX, or anyone that seems to be connected to this debt. I have not been given any chance to discuss this, possibly arrange terms, or resume any payment schedule. Just a foreclosure document I received today.
I am not sure why Statebridge has taken this tact but if I don't know who to pay I am not sure how any payments would be sent. Not being given any opportunity seems pretty XXXX. Then lets get into the aprox. {$50000.00} in fees this account seems to have generated. Again, I was never contacted after the last CFPB case, I had no idea who owned the debt, if it was still viable, outstanding balance, etc. Having reviewed the prior CFPB case the balance seems to be close to {$30000.00} with the terms outlined in that case ( and letter from XXXX attached ) Is there a way that the CFPB can help me keep my home, encourage Statebridge to contact me or sent me contact information? I would hope that being able to address this prior to a court hearing/Foreclosure proceeding? I have not been given a chance to begin to address this with them in any way to date.
The sale of this loan then " buy-back '', name changes, subsidiary 's involved, resale of the loan again and now this has really made it difficult for a consumer to know what is going on. With NO payment coupons, contact or billing statements since the closure of the last CFPB case I have never known who owned this or what was going on.
Finally, this violates so many Federal lending laws I am not sure where to begin. XXXX is the biggest and I hope to avoid going down that path but the lack of communication from Statebridge and the legal papers I got today seems they are unwilling to communicate in any way.
Stop the foreclosure and ask the company involved in this to communicate in good faith a reasonable payment schedule. I am XXXX XXXX willing to pay this off in short order, I just need to know who to contact, how to contact them and a reasonable person to talk to. Since I have not been contacted about this since XXXX this has been quite a surprise. Sending this to the credit bureaus without contact to me has done nothing to help and has crushed my credit without my knowledge. Had I been given any sort of chance to address this last year I would have.
Please review the prior cases around this issue and quickly get back to me as this foreclosure is now less than a month away.
Please review attached documents from the above closed cases.
Please help.
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| 07/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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XXXX XXXX sold our mortgage to Statebridge Company about 5 years ago. From Day One we have had trouble with the way they process our payments. We would mail a check in the bill envelope provided and always made sure the payment would arrive to XXXX XXXX, CO, before the monthly due date. When we mailed checks, it would take over a month for Statebridge Company to cash the check. It's very difficult to hold on to money in our account when we don't know when the mortgage is going to be finally taken out. We'd also get late fees even though we had proof via Certified Mail and/or XXXX signed receipts on dates before payment due dates. Once we were told not to make a payment, that we didn't owe for that month. We asked Are you sure? They said 100 %. We followed instructions and then got a letter that we were in default of payment, late fees added, and credit reporting agencies all received notifications that we were over 120 days late on a payment. They charged us for two home appraisals without our knowledge these were taking place. We did not approve those charges or activities. Now we send our payments via XXXX 's Check ( so the money leaves our bank account immediately ) and we either send via XXXX Certified Mail or XXXX overnight. Either mail method, we get a signed receipt so we know we got our payment there on time. In XXXX due to weird paycheck periods, we had to pay our mortgage from our bank on XX/XX/2019. I chose to pay {$25.00} to my bank to wire transfer the mortgage payment to Statebridge Company 's bank ( they have wire transfer instructions on their website and I followed the instructions to a T ). The wire transfer paperwork had my name, home address, email and phone number on it. I also ensured that in the Memo/Notes area, my Statebridge Mortgage Account Number was listed so they'd know where to apply the wire transfer. For the past two months I've been receiving automated calls " This is Statebridge Company. Please call us immediately. '' I call, and they want to collect the " defaulted payment '' because they can't find the wire transfer. I can quote that : " Ma'am, we can't find the wire transfer. '' I worked with my personal bank to get all paperwork involved so I could send proof that my wire transfer was sent on XX/XX/2019. My bank went above and beyond and called XXXX XXXX in XXXX XXXX, whose final beneficiary of that wire transfer account number is Statebridge Company, and the XXXX representative confirmed that the wire transfer was received properly on XX/XX/2019. Today I spoke with a representative at Statebridge Company in XXXX XXXX, CO. The issue is still not resolved. In the meantime, Statebridge constantly calls me multiple times a day with that recording to call them back. Statebridge has applied late fees on my account for this falsified " default payment. '' And finally, Statebridge Collections sent notifications to all credit reporting agencies that we are 30 days defaulted, and our credit scores went down 30 POINTS! And they have our money! This has been such a frustrating few years dealing with this company. Their customer service agents have no empathy and in fact they have lied to us. They don't listen, and they don't escalate the call to their supervisor ( for example, " all the supervisors have left for the day, I'm all you've got. '' )
|
| 10/29/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This complaint is in regards to a payment that has not been properly credited with my new loan servicer.
XX/XX/XXXX : I made my XXXX payment of {$350.00} to StateBridge Company via my Bill Pay system with my credit union.
XX/XX/XXXX : I received a letter XXXX dated XX/XX/XXXX ) from XXXX XXXX XXXXXXXX XXXX XXXX XXXX stating that my 2nd mortgage account was being transferred from StateBridge Company to XXXX XXXX effect XX/XX/XXXX. It further stated that StateBridge would stop accepting payments from me after XX/XX/XXXX and that XXXX would accept the payments starting XX/XX/XXXX. It also indicated that if I had already mailed a payment to my prior servicer and it is received after this date, it would be forwarded to XXXX for processing.
XX/XX/XXXX : The {$350.00} payment was paid to StateBridge per my bank statement.
Week of XX/XX/XXXX : I called XXXX and explained the situation of my payment being made to my prior servicer in the midst of the transition. XXXX advised me that it takes 4-6 weeks for the payment to get forwarded and processed. XXXX assured me that this was not an issue and a notation would be made on my account.
I received some non-payment calls from XXXX and each time had to explain the situation to them.
XX/XX/XXXX : Per the request of XXXX so that they could look into my payment issue, I faxed my bank statement listing the {$350.00} payment to StateBridge. I also noted that when checking my StateBridge account online, it showed my {$350.00} as Unapplied Balance which meant that they had not applied the payment, probably because my loan was no longer with StateBridge.
I continued to receive phone calls and some letters regarding non-payment.
XX/XX/XXXX : I spoke to XXXX ( Relationship Manager ) who told me that it takes up to 60 days for the funds to be transferred over and processed. XXXX claimed that they never got my fax documenting my payment to my prior servicer so I faxed all the paperwork again. I also sent the same requested documents via USPS Certified Mail.
XXXX continued to call about the non-payment and each time I would have to explain what was happening and they would tell me that they would note that in my account.
I continued to check online my StateBridge account and continued to see the {$350.00} Unapplied Balance.
XX/XX/XXXX : I spoke to XXXX at StateBridge and inquired about my {$350.00} Unapplied Balance and inquired about the status of that payment being transferred to my new servicer, XXXX. XXXX stated that she did not know why it had yet to be done but said that put an expedite on the funds transfer.
XX/XX/XXXX : As of today, I am continuing to get phones calls, almost on a daily basis, from XXXX regarding non-payment. I called StateBridge and spoke to XXXX who informed me that my {$350.00} payment was sent to XXXX on XX/XX/XXXX ( Check # XXXX, Batch ID # XXXX ). I am hoping that this is correct as I have gotten conflicting information in the past.
Every time a XXXX representative calls me, I have to explain the entire history to them and they simply tell me that they will make note of it on my account but apparently these notes are meaningless and not read by anybody as proven by their repeated phone calls to collect a debt. The representatives defense of it being an automated call is inexcusable.
|
| 03/16/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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Starting XX/XX/2015 our loan was transferred from XXXX to Statebridge Co. XX/XX/XXXX we received a call from our insurance agent stating that our homeowners insurance has not been paid and was going to be cancelled on XXXX XXXX. We contacted statebridge, as per our agents instructions, and provided them with our insurance information as well as the phone number for our insurance agent. We were also informed by Statebridge that they have no record that our insurance was supposed to be paid through escrow. We were forced to pay our insurance premium in order to avoid cancellation. XX/XX/XXXX we received a second request from Statebridge saying they have no record of us having homeowners insurance and if we did not provide it they would purchase insurance for us. We contacted statebridge, again, and provided them with our insurance information, again. On XXXX XXXX we received a notice stating they have not received evidence of our insurance policy and they have purchased insurance for us. We also received a delinquent notice on our property taxes. We contacted Statebridge again and provided them with our insurance information and informed them of the letter regarding our property taxes. Since statebridge had n't taken action on the insurance in which they purchased, XX/XX/XXXX we had to file a complaint with the better business bureau. A few weeks later we received a letter from Statebridge saying the policy purchased for us had been cancelled. We had also confirmed that the property taxes had been paid. So we felt no need to further the complaint which had until XXXX XXXX to do so. Also since the beginning of the year we have not been receiving our monthly statements from Statebridge. We contacted customer service several times regarding the fact that we are not receiving our statements and each time they say they are looking into it. They tried charging us fees for paying by phone even though the only reason we were making the payment by phone is because we have not been receiving there monthly statements. XXXX XXXX we sent a qualified written request asking for the refund for our homeowners insurance premium that we paid. XXXX XXXX we received another delinquent tax notice for the taxes due the first quarter of XXXX. On XXXX XXXX we sent another letter regarding the deliquent tax notice along with a copy of the notice. XX/XX/XXXX we received a check from Statebridge dated XX/XX/XXXX for {$3900.00} with no letter of explanation besides the check stub saying bill. We contacted Statebridge again and we were told by customer service that the check was for overages in our escrow from 2015 and was unable to tell us why our taxes have not been paid. We were provided a phone number for the escrow department. We have since made repeated attempts by phone and by email to get in touch with the escrow dept and our messages are going unanswered. Meanwhile our taxes have still not been paid and are incurring interest.
It is my understanding that were supposed to get an explanation of our escrow account at the end of the year which we have not received. We keep putting money into our escrow for them not to make the payments they are supposed to. We have never been refunded for the out of pocket payment we had to make for our homeowners insurance also.
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| 10/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX I purchased a deed for the property I was living in, and filed it with the state. I put down a deposit and I was given a contract for what I thought was alternative method of home ownership. The home was sold as is, with no HVAC unit in the property, major roof damage, and sub grade plumbing. Since I am XXXX XXXX I thought this was my only option to own a home. I remained in the property until XXXX, paying my mortgage. As with most mortgages, my mortgage was sold three different times. The final Company was STATEBRIDGE COMPANY, LLC. By sheer luck a letter was sent to my home stating that a tax lien would be executed in XXXX XXXX because of non-payment of taxes. I could not understand why that was the case when I have been paying my mortgage as agreed. I contacted the state and asked them why they sent a letter to this address to an unknown company name when I in fact was the owner. The state informed me that they did not see my name associated with this property. They also asked me how long I have been living there. I informed them that I purchased the house in XXXX and was asked to provide a copy of the contract that I had. I complied with that request and was informed that I was not listed anywhere on the property and all I had was a security deed for a loan, and it did not mean I own the home.
I 've then contacted STATEBRIDGE COMPANY, LLC to find out their response to this information and have yet to receive a phone call back. I did a XXXX search and discovered a CLASS ACTION law suit and numerous complaints about this company and thier illegal business practices.
I have been getting harassing letters indicating that they were going to foreclose on this property. How can they foreclose on the property when I do n't own it? I have an been an unknowing " renter '' for the past 6 years! To add insult to injury and I have been on a massive repayment plan for the last year. I fell behind three months in XXXX due to a XXXX, and they agreed to a repayment plan. Which more than double my mortgage. I tried to get them to work with me because I only have XXXX income, but they refused. I have now lost the place that I lived in for the last six years They padlock the property with my belongings in it, and placed a sign on the door. They have told me I must surrender the property. Their interest have peeked now that property values have increased due to the library being built down the street from the house, and the 10 minute travel time to the airport. In addition to that they have reported me to all three credit bureau 's as having a mortgage. And have reported me as late on mortgage payments. This of course ruins your credit and your options to secure a loan or get financing from anyone else. I feel like they have tried to take advantage of a XXXX person. Since I do n't own the home there was no recourse but to move out. But to have to continue to pay to an " investor '' while I struggle to make ends meet is just wrong! Is n't this how we ended up in the last housing crisis that almost took down this country? Is there someone out there who can help protect XXXX persons and protect them from predatory companies like this?
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| 10/24/2018 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have tried for 10 months to collect XXXX dollars in fees that transferred over from my prior servicer StateBridge Company. I have been disputing these charges for 8-9 months. XXXX XXXX XXXX had knowledge that the fees were incorrect but chose to still try to pursue collecting them from me, even going as far as sending a demand that I pay them or risk losing my home. It has finally been determined that the fees are invalid, but XXXX XXXX XXXX has not removed them from my balance and now are blocking the sell of my home to another buyer because I disputed the fees. Below is their correspondence. ********************************************** From : XXXX, XXXX XXXX : ( XXXX ) Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX ' Cc : XXXX ; XXXX XXXX ( XXXX ) Subject : RE : Corp Advance Fees XXXX XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents ****************************** XXXX , I am not reneging on an agreememt. STATEBRIDGE AND XXXX NEED TO ADVISE WHAT THE CORRECT PAYOFF IS PERIOD> YOU TRYING TO FORCE THESE FEES ON ME AND BLOCK THE SALE OF THE HOME IS ILLEGAL AND FRAUDULENT.
************************************* From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX : ( XXXX ) Subject : Re : Corp Advance Fees XXXXt XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents XXXX XXXX, Statebridge is incorrect in their assessment. The corporate advances totalled over $ 5k but your charges were not that much. Your charges include tax advances, penalties associated with the taxes, and other misc fees. Obviously those are collectible.
We discussed this and you agreed to accept those fees if I assisted you with the sale. Now you are trying to reneg on our agreement.
Well if you are backing out on your agreement then you need to read your contract closely. Under the contract, it says we do not have to execute a deed until AFTER receiving the payoff.
So therefore, we are not giving your title company a deed prior to your closing. Send us a full payoff first. THEN we will send you a deed.
Second, I am referring this to our attorney today since you are seriously delinquent and failed to cure the default letters we sent you. We will be adding attorneys fees to the payoff while we review the corporate advances line by line to make sure they are accurate and remove any that arent.
Regards, XXXX XXXX XXXX On XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, XXXX XXXX : ( XXXX ) XXXX wrote : Mr. XXXX, XXXX XXXX has confirmed that the corp advance fees that were transferred earlier in the year are invalid. They told me XXXX did not immediately respond but contacted the XX/XX/XXXX advising they would address the issue. As of today, they have not. Please see the chain below and email attached with my communications to the lender and statebridge. Please advise on how we can get this resolved.
Also, we are scheduled to close this week and we need a payoff asap. Because this is the third time we have tried to close I need my balance correctly reflected per my attorney should closing not commence.
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| 01/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I have been fighting with my loan servicers for a few years now. Over the years, my loan servicer has been switched a few times. I have been searching and requesting information about the true creditor or beneficiary of my loan for since XX/XX/XXXX. Every time I sent a Qualified Written Request or a debt validation letter to my servicer, the servicing to my loan would be transferred to another servicer. After receiving some information from a certified loan auditor, I decided to exercise my right to rescind my loan. On XX/XX/XXXX, I mailed to StateBridge Company, LLC, hereinafter referred to as StateBridge, a Notice of Rescission canceling my Deed of Trust and Promissory Note. StateBridge received my rescission notice on XX/XX/XXXX. Pursuant to the Federal Truth In Lending Act, hereinafter referred to as TILA, the rescission is self-enforcing. It automatically extinguishes the lien and the liability. The statute and regulation specify that the security interest, promissory note or lien arising by operation of law on the property becomes automatically void. StateBridge has failed to comply with the rescission obligations which subjects StateBridge to potential liability. Non-compliance is a violation of the Act which gives rise to a claim for actual and statutory damages pursuant to 15 U.S.C. section 1640. StateBridge has failed to take the mandatory steps within the 20 day calendar statutory period. Since they have failed to comply with the statute within the 20 days, StateBridge and/or the " creditor '' have waived any and all defenses and are now in violation of their statutory duties. Because they have failed to act within 20 days, they have given up their right to make a claim for the money that was allegedly loan to me. The debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with the statute within the twenty calendar day period under TILA.
The Supreme Court noted in XXXX v. XXXX that nowhere does 15 U.S.C. section 1635 ( a ) allow for a debate as to disputed or undisputed notices ; simply put the transaction and its contracts are void as a matter of law upon mailing of the Notice of Rescission. As a practical consequence of the XXXX ruling, a lender now bears the burden of filing a lawsuit to contest the borrower 's ability to rescind. In this matter, StateBridge has failed to take any action including filing a lawsuit against me to challenge the rescission within the twenty statutory days. Even though the Deed of Trust and the Promissory Note are canceled by operation of law, StateBridge is attempting to foreclose on my property on XX/XX/XXXX. I do n't understand how they can proceed with a foreclosure when there is no valid Deed of Trust. Given the blatant disrespect for the law, I am filing this complaint with the CFPB in hopes that it will take action against StateBridge for their disregard for the law. I believe that it is necessary for me to file this complaint because it appears StateBridge believes it can violate Federal and State law without any consequences for their actions.
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| 06/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought a condominium with XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my account was sold to XXXX. On XX/XX/XXXX I had a loan modification through XXXX XXXX. On XX/XX/XXXX after five years of having a loan modification my mortgage went up but unfortunately I forgot and I sent the regular amount I used to send for those five years. AtXX/XX/XXXX I had a phone call from Statebridge saying that I was late, and then they say I didnt send a payment. The lady that helped me out said that she would take the money from my escrow account and she did ( that can be seen on my mortgage statement ) the next call they say that the lady did not take the money from my escrow because that can not be done. To make the history short sinceXX/XX/XXXX I have been in contact with Statebridge trying to solve this. I will include in this complaint record of the phone calls, emails, bank statements, etc to show that Statebridge has mishandled my account big time, took my money including escrow money and they still saying that I owned the month of XXXX. There were XXXX dollars on XX/XX/XXXX. On XX/XX/XXXX that money went down to XXXX dollars that disappeared from my account as other fee payment, not to mention the escrow money XXXX dollars. They also charged two XXXX fee for over the phone payments that I never did. I always pay my account through my XXXX XXXX account. They also asked me to send XXXX dollars and my account will be current, well I dont see they posted that money anywhere on my account. I have been trying to fix this since XX/XX/XXXX and even though I have been on top of the matter they keep accruing late fees and reported 5 late payments to the bureau of credit making my credit score go down to XXXX. I have proof of everything which I keep sending to them and every time I speak with a customer representative I have to send it again because they always say they dont have anything on file and ask me to re-send it. I told them that I know I have to pay late fee for the first month I forgot to pay for the increase of my mortgage but not the rest because I did try to fix this matter on time. On my last over the phone conversation with XXXX XXXX he said that the XXXX dollars I am talking about never were mine, that I dont have that money. I kept asking where is the money and he got frustrated and said you came with that debt from the other company you have you mortgage with I told him I know what he was talking about and that is a money that I am supposed to back but I have the life of my mortgage to pay it. It doesnt have to be a specific time. I told him that I did not authorize to get my monthly payment money to be used to pay anything but my mortgage. He concluded saying " I dont know what you talking about ''. He also threatened me saying if you dont pay the month of XXXX now we will report you again on the XX/XX/XXXX to the bureau of credit and if in 45 days you still havent pay we will put your account in delinquency ''. The customers representatives I have been in contact with are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the two supervisors XXXX and XXXX
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| 06/20/2018 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage was bought by Statebridge Capital, we believe in XX/XX/XXXX, since XX/XX/XXXX, we have had problems with them paying our taxes and homeowners insurance from our escrow account. We fixed the homeowners insurance non payment problem by calling Statebridge every year on XX/XX/XXXX when the insurance was due, and telling them to pay it. We would tell them both insurance and taxes were due, but it would seem they only paid the homeowners insurance. We have been asking Statebridge for statements of our escrow account, which they have not supplied. They did supply us once with XX/XX/XXXX, and part of XX/XX/XXXX. We need every year they have owned our mortgage. The Town of XXXX, N.Y. s property tax department was also a problem as to finding out when, and what taxes were due, it was all inaccurate, and you will find out why I made this statement later. The only way we could get rid of Statebridge owning our mortgage was to refinance, which we did, and that is when we found out they did not pay XX/XX/XXXX & XX/XX/XXXX taxes, as per my previous statement. They did not pay XX/XX/XXXX second half of our property taxes, and they didnt pay any of XX/XX/XXXX property or school taxes. Because when we found out the taxes werent paid, we questioned the tax dept. and Statebridge, only to get the answer of, your taxes are paid. Everything was all messed up.
We have been fighting with them since they purchased our mortgage. We are not allowed to speak with anyone in the escrow department, so its always, someone will get back to you, but no one ever does. When we refinanced, the title search company didnt pick up that the taxes werent paid, the only way we knew the taxes werent paid was because we received a certified letter from the town of XXXX stating the 2nd half of XX/XX/XXXXs property taxes, and XX/XX/XXXXs property and school taxes for that entire year was not paid.And because the title search company didnt pick up on the tax problem, they paid the {$2000.00} fine. The back taxes were paid by our current mortgage company, but all they did was add the debt to our current escrow account. So technically we are paying our taxes what I believe will be 3 times, because the first time we paid was when the money was paid into our original escrow account with Statebridge, but they never paid the taxes, we have no idea where the money went. The 2nd time was when our current mortgage owner asked us to pay the back taxes in our refinance closing costs because there wasnt enough money in the escrow account to pay for the back taxes that Statebridge owed. We thought the back taxes we owed was from XX/XX/XXXXs second half, but it was from XX/XX/XXXXs first half taxes Statebridge didnt pay. Now the 3rd time will be with our current escrow account, they added the back tax payment of XX/XX/XXXX and XX/XX/XXXXs to our current escrow account, increasing our current mortgage payment.
Until we get our escrow account information I can only give best estimates to the amount owed to us. Which my best guess would be {$12000.00} to {$15000.00}.
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| 08/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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|
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Web |
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While in the process of trying to close escrow to sell my home, for a $ XXXX purchase price, I was notified by my escrow company that there is a lien on my title due to Statebridge Company 's failure to obtain/record the necessary transfer/loan closure documents when I refinanced earlier this year. XXXX XXXX paid off my loan/mortgage, to Statebridge, on XX/XX/2021. It has become my understanding that Statebridge ( a mortgage servicer ) needs the loan funder, XXXX XXXX XXXXXXXX XXXX XXXX, to sign the necessary loan closure/transfer documents in order for Statebridge to record the documents and remove the lien on my home.
I have been actively trying to resolve this problem with Statebridge since XX/XX/2021. I have had brief conversations about the general topic with the various phone reps who are assigned my calls ( but they are unable to assist me ) ; and, not once have I received a return phone call in response to voicemails I have left on direct supervisor lines, nor have I received returned emails.
I finally got connected to an operations manager when I said I would need to file suit if escrow falls through. We spoke on XX/XX/2021. He said he would get involved directly with their internal lien department manager and would " escalate '' the problem. He begrudgingly gave me his direct line. He has not followed up with me, nor returned my voicemails since that time. My escrow was supposed to close on Friday, XX/XX/2021 and I had XXXX understanding of any progress having been made. I have been able to extend the COE date 2 weeks ; but, I have no understanding that the problem will be fixed by then. I need someone to intervene on my behalf to push this through asap, so I do not lose this sale.
It is my understanding that these lenders/loan servicers are required to file/record these documents in a timely manner, which I believe is within at least 2 weeks. It has now been 5 1/2 months. And, honestly, the way they act, I am certain this issue was off their table altogether, and the documents never would have been filed if I had not decided to sell my home/discovered Statebridge had not ever obtained/recorded the transfer/closure documents.
Please also see their XXXX star XXXX reviews. Every single issue a consumer has complained about with this company, I have experienced as well. In fact, at one point, funds were inexplicably just moving around in, taken out of, my mortgage account, and when I finally spoke to a supervisor, she acted hostile towards me. This company is terrible, shady, and they do not adhere to their legal obligations. They should absolutely not be licensed or allowed to practice as a mortgage servicer. At the very least, a full investigation should be conducted as to their failing business practices. And, what is the most frustrating -- to a lot of homeowners I expect -- is that my loan just automatically got transferred to this company without my knowledge. I would have never allowed a XXXX star company, with the type of complaints their customers have made about them, to service my loan.
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| 03/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2016 my mortgage payment went up after been on a loan modification payment plan for five years. Unfortunately, my payment went up and I completely forgot that it was supposed to go up that year. I do understand that I should have been on top of that but honestly, I forgot. I did send my monthly payment on time, but it was short. So, I received a phone call from Statebridge saying that I was late. I couldnt understand because I sent the payment on time. The lady explained that because the payment was short the money was placed into an account named unapplied funding. The lady said that they sent me a letter stating that my mortgage payment went up which is not correct. They either did not send that letter or they did, and I never received it. To make the history short, it took me 4 months before I was able to speak with a manager. They did not want to cooperate at all, so I filled a complaint to the Federal Consumer Agency, I did it again and again. I think total of 3 or 4 times and Statebrige at the end found the money and call me to apologize and said that I was right, that I did send my monthly payments that the money was in an unapplied funding account. The problem is that because they placed that money there in XXXX, for 6-7 consecutives months they reported to the bureau of credit that I was late because the payment I was sending the used to pay the prior month since there were 1 month missing.
In this package I am sending all communication ( e-mails, phone call records, complains file to different agencies, e-mail to XXXX XXXX XXXX, banks statements, etc. ) that I had with Statebridge and other agencies. I just want Statebridge to fix what they did wrong. I know the first payment was short, but you will see in this package that I took the necessary steps to try to fix this and statebridge did not cooperate and the manager and supervisor were the worse specially XXXX XXXX ( Dont know if I am spelling his name right, I apologize ) he was rude and very unprofessional. Please help me to fix my credit report. It is completely unfair what statebridge did to me. If the first month has to be there like I was late because I was short on the payment, I will understand because It was my fault, I forgot that my mortgage payment was supposed to go up, but the rest of the payments that were reported as late, they were never late. Statebridge misplaced one-month mortgage payment, making me late for the following 6 months.
I really appreciate if this issue get fix for once and for all. I need Statebridge to take responsibility for what they did and report the right thing to the bureau of credit, so my credit report doesnt keep showing that I was late for 6 months because I wasnt. If you have any question or if there is anything, I can do to get this matter resolved, please do not hesitate to contact me. I am sending all records such as bank statement, phone call, emails, etc. by mail. I have already sold the property but still need to get my credit report fixed.
|
| 01/14/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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To Whom It May Concern, In XXXX we faxed documentation copy enclosed, to Statebridge for a modification application. After no response from Statebridge for XXXX, XXXX, and XXXX we had no other options to file a complaint with the Consumer Financial Protection Bureau.
On XXXX XXXX, our counsel contacted us regarding a letter dated XXXX XXXX, XXXX from servicer, " Statebridge '' on missing documentation. On XXXX weekend we faxed the required missing paperwork on XXXX XXXX, XXXX.
Our counsel was never given to the loss mitigation department 's contact information, and on XXXX XXXX, our counsel tried several times to contact Statebridge 's counsel. He left several messages, and none of his phone messages were returned. Finally, he contacted Stagebridge on the only contact phone number given and this is the servicer 's customer service line, he wanted to verify that the loan modification application is complete. He was told : " You will have to contact our counsel, and I ca n't transfer you to loss mitigation department '', says XXXX, a manager. This is a typical example where Statebridge neglected to communicate with our counsel on missing pages which resulted in the foreclosure of our home. Servicer did not demonstrate reasonable diligence when obtaining documentation and information to complete the application, which resulted in foreclosure of our home.
On XXXX XXXX property was foreclosed due to missing pages that was not included in the fax. The most recent pages that were available and were sent immediately to validate that we had all pages needed to avoid foreclosure, copies enclosed. All 6 months of bank statements of both owners, profit and loss, including the XXXX tax return. Documentation was ready and available for Statebridge, including my Social Security XXXX Benefits, and our school aged daughter 's benefit was also enclosed to validate our income. My daughter and her father have the same last name, this is classic example on Statebridge 's negligence towards how they do not communicate with us on pages they received or pages missing for completion of our modification process.
Servicer is simultaneously evaluating the homeowner for a loan modification while avoided, rushed and pushed through to foreclose the home. We never received any communication from servicer except the letter dated XXXX XXXX, as a homeowner I am confident that the banks accepted the Government Bailout in lieu of rendering the homeowner homeless. Many banks seek relief from the bailout and received billions of dollars from the Government only to enrich their own pockets. I am a homeowner that this bailout was intended to rescue, but instead Statebridge has taken the Government Bailout and today, I am considered homeless homeowner, displaced by Statebridge 's negligence.
Our mortgage is a FHA fixed with interest rate of 8.5 %.
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| 04/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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I have been in contact with Statebridge Company, LLC every couple days beginning XX/XX/XXXX at which time I noticed Statebridge had not been sending my monthly mortgage account statements. I was making payments every month and they were receiving them.
For the record, XXXX transferred my original mortgage ( XX/XX/XXXX ) to Statebridge in XX/XX/XXXX. I have never made a late payment and jumped through their hoops to provide condo and homeowners property insurance coverage on a timely annual basis. I had no choice as to why or whom XXXX transferred my mortgage.
Ironically in XX/XX/XXXX I received an email from my Bank Bill Pay stating Statebridge declined my payment ( for XX/XX/XXXX ). I made a second ACH payment on XX/XX/XXXX, and when calling to confirm its receipt with Statebridge on XX/XX/XXXX I was told by the customer service agent, it too, was being declined. I then made another payment with hard copy check, hoping they would receive it before the late fees kicked in.
To make a long story short I have provided Statebridge with copies of manual Check No. XXXX showing back and front cancellation ( Paid on XX/XX/XXXX ), as well as electronic payment ( Paid on XX/XX/XXXX ) with address status VALID and OFAC Status CLEARED, with Reversal Indicator Set to NO.
Over the last month I have been playing a game of semantics with at least seven different customer service agents, each supplying their own version with derogatory and felonious information as to my account status. They tell me due to my discharged bankruptcy ( filed in XX/XX/XXXX and discharged in XX/XX/XXXX and DID NOT include Statebridge ), they do not have to provide any account information ( current or historical ) or send monthly statements. Because I needed the exact mortgage loan amount as of XX/XX/XXXX stating it was for my Federal taxes, all the sudden the CS agent who said he did not have access to that information, was able to see and provide me with the amount.
I did finally receive a Loan History Transaction detail via email, indicating payment history up through XX/XX/XXXX and no data or payment information for the XX/XX/XXXX and XX/XX/XXXX payments was reflected ( it does show a XX/XX/XXXX payment and a credit ( {$170.00} ), but I am being told that I owe them {$790.00} due on XX/XX/XXXX.
Now today, XX/XX/XXXX Statebridge returned my XX/XX/XXXX payment to my checking account. This puts me in a perilous position of being charged late fee, getting a bad credit rating, and further potentially force me to foreclosure.
If you could please help me correct this situation, so Statebridge files and information are up to date, and I am provided with correct information I hard copy statement ( their website is of no use, I can not view my account or make payments ) that is a true reflection of my intention to regain a good credit status.
|
| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
|
|
Web |
Older American |
|
This involves Statebridge Company LLC, located in Colorado. My mortgage was sold to this sorry excuse of a company in XX/XX/2017. It is a conventional mortgage with a 5 % interest rate. My payment has always been {$390.00} and I pay my own taxes and insurance. In XX/XX/2017, Statebridge, for some unknown reason decided to pay my property taxes, and as this was unknown to me, I went to pay my taxes in XX/XX/XXXX. After finding out that they had been paid by the company, I immediately called and got nowhere. I called an additional 11 times and never spoke to the same person, until I spoke to a Mr XXXX who couldn't figure out what happened or why. This went on with telephone tag for about 2 months. When I finally reached him, he said all I should have to do is return the amount of money that they had paid for my taxes, which I did the very same day, I will send a copy of the check. I gave them a few days in order for the check to reach them and I called back to see if everything was squared away. No, they haven't even posted the check and argued with me that they hadn't gotten it. My bank verified that it was sent and cashed, so I was not very happy. All this time they are taking escrow money out of my regular payment, making it look short and charging me late fees every month. I was done with Mr XXXX and asked to speak to someone over him. I ended up with a Ms XXXX and after about 6 weeks she came back with this brilliant plan in which I had to pay {$100.00} in order to clear up the escrow mess that they created. By this time I was so disgusted I asked if this would clear everything up and if it would I would send it out right away. I called back the next day to find the correct address to mail it to and I ended up with Mr XXXX, oh happy day, not. Now he tells me that I have to also send in every late fee that they have added to my account. ( Please remember this is their mistake in the first place ) All this time I am still sending in my regular payment of {$390.00} but they wanted {$510.00} because they were still taking escrow out, can you believe this? Also, to add insult to injury, they contacted the credit bureaus, all 3 and reported my account delinquent. This dropped my credit score from XXXX to XXXX. Now I am enraged and let Ms XXXX know that I was enraged. After that, she refused my calls and my emails. I applied with XXXX for a refinance and because of what they had done to my credit, I had a very hard time, but it finally went through but these derogatory remarks remain on my credit reports. One of them has deleted Statebridge from my report, I think it was XXXX, after I filed a dispute. I filed disputes with the other 2 also, but they haven't removed the delinquent marks from their reports. Can anything be done about this corrupt company?
|
| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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On XX/XX/XXXX, I received an alert message from all three credit reporting Bureaus ; XXXX, XXXX and XXXX that my credit scores has decreased by 120 points as a result of an adversely Negative report on my credit files by Statebridge Company ( company ), a debt collection and Mortgage Servicer. When I checked the report from this company, it reported on XX/XX/XXXX that I am delinquent by 180 days on a mortgage Loan I received from them on XX/XX/XXXX.
This information on my credit files reported by this Company is false and inaccurate and has to be removed. I did not receive or apply for any loan from this company in XX/XX/XXXX ; I do not have any signed monthly payment plan with them and did not borrow {$50000.00} dollars from this company.
I received a letter from this company on XX/XX/XXXX and XX/XX/XXXX that they are the new servicer of a {$48000.00} debt they bought from XXXX XXXX XXXX , XXXX, on XX/XX/XXXX.
I reached out to Statebridge Company on XXXX XXXX with a dispute letter and informed them that I DO NOT OWE THIS DEBT. This debt was disputed and the previous servicer and debt collector namely XXXX XXXX XXXX who sold the debt to them was unable to collect any money from me regarding the debt. This debt was disputed and was written off by the original lender XXXX XXXX in XX/XX/XXXX and they stopped reporting this debt on my credit report.
This Loan servicer and debt collectors threatened to foreclose on my primary residence and sent a foreclosure appraiser to appraise my house for sale and I have a copy of the appraisal they sent me.They also told me they have a lien on my property.
I was in the process of refinancing my Mortgage since XX/XX/XXXX and was at the final stages at the Title Company. The Title Company noticed that a lien was placed on my house. They reached out to them to find out what interest they have on my house and wanted to work with them to remove the Lien and requested for a settlement offer if any to enable them to finalize the refinance by XX/XX/XXXX.
On XX/XX/XXXX when we were getting ready to go and sign the closing documents, the Lender informed me that my final credit report check before closing had dropped below 600 points and was unable to proceed with my Loan, and therefore, the refinance was cancelled.
I reached out to Statebridge by phone and mail to remove the inaccurate report from my credit files, but they refused.This adversely Negative credit report by Statebridge Company has affected me tremendously, and they need to remove this report from my credit files and stop reporting on my credit report. It has harmed my Business by a Loan denial from XXXX XXXX on XX/XX/XXXX and this inaccurate reporting will prevent me from Refinancing my Mortgage to have needed funds to repair my house.
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Due to Covid, my international travel business began losing money. As a result, I entered into a forbearance plan with XXXX XXXX XXXX in XX/XX/XXXX. My payments were suspended from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I received notice from XXXX that my loan was being transferred to Statebridge Company , LLC. Then in XX/XX/XXXX Statebridge demanded that I bring my loan current or that I would face foreclosure. In the process of communication with Statebridge, I seriously felt XXXX discrimination because of my XXXX immigration status and English speaking accent. They requested that I find an interpreter because they were having difficulty understanding me. With the help of my Realtor who is also a licensed mortgage specialist, Statebridge offered me an 18-month payment agreement. The plan was meant to bring me current by paying for all the payments that were missed during the forbearance plan in XXXX. In addition, the plan would pay for my future property taxes as well as my homeowners insurance. I insisted that I pay for my taxes and insurance separately, however they said that was not an option. I was told by my Statebridge loss mitigation specialist, XXXX XXXX that Statebridge would be paying for these amounts as part of the payment agreement. With this being the case, I agreed to pay {$11000.00} on XX/XX/XXXX. Then I paid {$5500.00} each month for the next three months - XXXX, XXXX and XXXX. My regular mortgage payment was only {$2500.00}, so paying {$5500.00} each month was very difficult. In only four months, I paid Statebridge {$27000.00}. In XX/XX/XXXX, I discovered that Statebridge did not pay my property taxes for XXXX because I received a bill from the county requesting payment. This was very distressing. Despite multiple attempts to contact XXXX, she has yet to provide me with my homeowners insurance information. I found out today, XX/XX/XXXX that Statebridge purchased a forced-placed insurance policy. This is even more distressing. Worst of all, I received a letter from Statebridge in XXXX stating that I owed {$19000.00} and if I didn't pay they would move to foreclosure. I have no idea what this amount is. The letter said I owed from XX/XX/XXXX, however I was not their customer at that time. The payment agreement I established with XXXX was not being honored. My international travel business has not recovered at all, and I have no income. XXXX has been threatening that they would sell my home. I am a single mother. I have to keep my house for my XXXX XXXX XXXX son. So I borrowed money from my mother to keep paying. Due to the deception of Statebridge I fell into a deep financial black hole. Not only have I paid a lot of money, I also face the real possibility of losing my home. I need your help.
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| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We originally had a first mortgage with XXXX XXXX XXXX which was a major player in the collapse of the financial markets during the last recession, prior to that, In XXXX I applied for an equity line of credit with XXXX XXXX XXXX. During the housing crisis of XXXX I lost my job and was unable to pay my mortgage with XXXX XXXX XXXX and XXXX XXXX. on XXXX I was able to acquire a loan modification for the first mortgage I was told that XXXX XXXX closed its doors and this account was reported as charged off as a forgiveness debt. I have NOT received any information, bill, or mortgage statement as to this debt until XX/XX/XXXX from XXXX XXXX XXXX [ EXHIBIT A ] stating they were my new mortgage servicer. I called XXXX XXXX XXXX and told them I understood this loan was charged off, she looked into the file and agreed it was no longer active and that it was sent by mistake. And Then I received one month later on XX/XX/XXXX a mortgage statement from Statebridge Company [ EXHIBITB ] declaring my mortgage payment is {$1300.00} a month but there is an over due payment of {$210000.00}. The original line of credit was for {$130000.00} I'm being charged interest for the loan since XXXX and have not received ANY information, bill, or mortgage statement since XXXX. On XXXX XXXX I sent a Qualified Written Request [ EXHIBIT C ], requesting a payoff and history of payment and explanation of this account and on XXXX XXXX I receive a loan history statement [ EXHIBIT D ] and I noticed an error on the loan history statement so I contacted the loan manager XXXX XXXX to explain that they were charging for forced placed hazard disb. Then Yesterday XX/XX/XXXX I received notice of trustee sale taped to my door [ EXHIBIT E ]. As of today XX/XX/XXXX my home is now in foreclosure with a sale date of XX/XX/XXXX. Trying to deal with Statebridge has been very difficult I decided to apply for a loan modification even though I don't think that I owe this money knowing the payoff is wrong but because they filed a NOD XXXX XXXX I was scared that they would file a notice of trustee sale but they proceeded to file anyway without finishing the review of this account they say their investor is not willing to negotiate for a loan modification or any resolution except full payment when I spoke to XXXX XXXX he says to send everything in writing because he has no knowledge of the previous account balance but he explained that his client/ investor is a new investor since XX/XX/XXXX when this account was transferred from XXXX XXXX to Statebridge XXXX We have lived in the home since XXXX and would do anything to keep it out of foreclosure. So I don't have any other options other than to contact you to help me to resolve this matter.
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| 11/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I need assistance with obtaining resolution on a late mortgage property tax payment from XXXX.
My loan servicer was Statebridge mortgage company and my property taxes were escrowed and were supposed to be paid by Statebridge. My loan account showed that the taxes were paid and the money was removed from my loan account in XX/XX/XXXX and paid to XXXX County in XXXX of XXXX.
I refinanced my mortgage and closed on the refinance in XX/XX/XXXX. In XX/XX/XXXX, I received an escrow refund from Statebridge. On XX/XX/XXXX, I received a letter from an attorney stating that my property taxes were late and that I was assessed fines in excess of {$640.00} for non-payment.
I contacted Statebridge, in writing, 3 times with a notice of error. After not receiving any response, I began calling Statebridge and all they told me was that my taxes were paid. I finally got them to stop saying that the taxes were paid and then MIRACULOUSLY, they began to say that XXXX county RETURNED my taxes in XXXX and that's why I received an escrow refund. I asked for proof of the return payment and all they would give me is a loan history detail report.
My new mortgage loan servicer paid the past due balance and late fees and rolled them into my loan payment, causing undue financial hardship on me and my family.
I am not responsible for the late fees and would like to know if there is any recourse or assistance that you can provide in helping me obtain resolution.
I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating that the property taxes for my home, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), were delinquent.
I logged in to the Statebridge Company portal and pulled up the account activity for XX/XX/XXXX through XX/XX/XXXX to see if the property tax funds were dispersed and allocated accordingly.
The statement showed that on XX/XX/XXXX, there were two Tax Bill Disbursements. One in the amount of {$4400.00} ( XXXX County ) and the other for {$1500.00} ( XXXX County ).
I then proceeded to log on to both county property tax portals to find that the XXXX County taxes were paid, but the XXXX County taxes did not show a payment.
I received the letter in the mail on XX/XX/XXXX. I contacted Statebridge Company XX/XX/XXXX at approximately XXXX CST to discuss the discrepancy. The representative advised me that he showed that the property taxes were paid and requested a copy of the delinquency notice. Per his request, attached is a copy of the delinquency notice from the attorney and the XXXX County Delinquent Tax Statement.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, TX XXXX XXXX cell email : XXXX XXXX
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| 12/27/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was transferred from XXXX to Statebridge XX/2015. No paperwork was received. I had to contact XXXX to receive information on new company. Statebridge continuously state for a year and half I did not have a mortgage with them. After making contact with them I sent a bank check in certified mail-XXXX, I sent another bank check that was returned. I then contacted Statebridge.after numerous attempts and over one hour wait times ( phone records for proof ) I also had sent weekly emails to the company with not one response, I did receive statements I made contact with a person named XXXX who stated they would not accept my payments at this time and I was in active foreclosure. I then asked for some type of modification I had most funds but insurance had escalated. My insurance was {$1800.00} they were stating my flood insurance for {$7500.00}. The representative stated to apply for a modiication, I did the modification three times all times stating they did not receive. I then asked for one specific representative her name was XXXX XXXX which I did process twice waiting or a response I contacted Statebridge and they stated she was no longer with the company. I then was assigned to a XXXX XXXX I did modification again but they requested I get a binder for insurance. I then had to reapply for modification and received a binder with XXXX XXXX which I paid again did not hear and when I contacted Statebridge I was told XXXX XXXX no longer works for Statebridge. I then asked to speak to a head supervisor as the entire process was a debacle. I then made contact with XXXX XXXX, I at this point was required to attain flood insurance in which I purchased. I finally received a modification but at this point my interest went from 5 to 6 % I honestly thought it was an error. I contacted her and she stated the investor wanted it that way, I would have to do another modification and try different options-she then stated I needed an appraisal from XXXX XXXX which I scheduled. I CONTACTED XXXX AGAIN as I did not receive any response. They stated the appraisal was never completed and I would have to do another appraisal visit in which I scheduled. I then again made contact with XXXX XXXX to find out she is no longer with Statebridge and XXXX XXXX was contact. I contacted XXXX XXXX at this point I was offered a repayment plan with a % XXXX down payment and a mortgage payment of {$6200.00}. This company is completely disorganized and I have in good faith tried to work with them. I am able to put down a down payment but ask for a reasonable mortgage. I have all emails, first modification but was unable to send as file was to large. I can print and forward if necessary.
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| 03/02/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XX/XX/XXXX, I received the attached document dated XX/XX/XXXX from Statebridge Company , LLC demanding payment of an alleged debt in the amount of {$70000.00} ( see Attachment A ).
On XX/XX/XXXX, I sent Statebridge via USPS Priority Mail the attached letter deputing the alleged debt and requested validation, pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statebridge received the request for validation on XX/XX/XXXX ( see Attachment B ).
On XX/XX/XXXX, I received the attached letter from Statebridge dated XX/XX/XXXX, stating that they verified the alleged debt of {$70000.00} and that the debt was due and owing to Statebridge ( see Attachment C ).
On Saturday, XX/XX/XXXX, I received another correspondence from Statebridge dated XX/XX/XXXX, attempting to collect the {$70000.00}. On XX/XX/XXXX, via USPS Priority Mail, I responded to Statebridges incomplete validation of the alleged debt, and gave Statebridge Notice that I would be filing a FDCPA complaint against their company for not validating the debt and for its false, misleading, and deceptive practices in attempting to collect the alleged debt ( see Attachment D ). Statebridge received the XX/XX/XXXX correspondence on XX/XX/XXXX. I did not receive any further correspondence from Statebridge for the remaining of XXXX regarding the alleged debt of {$70000.00}.
On Thursday, XX/XX/XXXX, I received the attached IRS 1099-C from Statebridge alleging to be the creditor of the allege debt, which Statebridge knew was discharged in the United States Bankruptcy Court, for the District of XXXX on XX/XX/XXXX ( see Attachment E ). Further, Statebridge was not a party, nor creditor in the XXXX bankruptcy case. I believe Statebridge is attempting to file the fraudulent 1099-C with the IRS, in order to receive an illegal {$70000.00} write-off.
On XX/XX/XXXX, I sent via USPS Priority mail a Notice demanding that Statebridge rescind the 1099-C, within 20 days of receipt of the Notice. Statebridge received the Notice on XX/XX/XXXX ( see Attachment F ). To date, Statebridge has failed or refused to respond to the XX/XX/XXXX Notice, nor did I receive any documentation from Statebridge that they contacted the IRS and withdrew the fraudulent 1099-C.
Lastly, on XX/XX/XXXX, I received my credit report from TransUnion and noticed that Statebridge illegally pull my credit report on XX/XX/XXXX. I use the term illegally because Statebridge did not have my permission to pull the report. This was an impermissible pull and also a violation of the Fair Credit Reporting Act ( FCRA ).
I am reporting Statebridges numerous illegal acts and is requesting an investigation from the CFPB in this matter.
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| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ).
A discharged debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those discharged creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. Civil action could be filed for the violation of the BK laws.
To boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ).
I did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like.
I'm assuming Statebridge Company would prefer not to deal with my attorney once again as my loan was PROMPTLY sold after Statebridge Company was forced to communicate and conduct business in a legal manner.
XXXX XX/XX/XXXX @ XXXX I called Statebridge Company XXXX XXXX XXXX to their letter stating that they could not find my XXXX. First it is public information, second I am confidant when they purchased my loan my BK was included in the documents they received. I do not feel it is my responsibility to provide them with a copy of my BK ( which included that debit ) as they are the ones who broke the law by reporting the discharged debit as late. I will re file the complaint and include for the CFPB a copy of my discharge.
*** During my attempt to resolve this illegal reporting I contacted several employees of Statebridge Company LLC via email. Ironically one former employee responded and suggested I file a complaint with the CFPB, and let me know Statebridge Company LLC is currently under investigation.
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| 10/25/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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My property underwent a loan modification in XXXX when the housing market had fallen. At the time of the modification, I had 2 lien holders, which were supposed to be included in the load modification. When the modification was complete, I was contacted by 1 loan servicing company, XXXX XXXX XXXX. I began making payments and missed no payments.
Eleven years later on XXXX, I received a letter from a servicing company named Statebridge Co. introducing themselves as my mortgage servicing company. On XXXX, Statebrige stated that I owed {$120000.00} and they wanted me to pay it all at once or apply for a loan modification or reinstate the loan. My only servicing company, XXXX XXXX XXXX, had no knowledge of any other outstanding loan nor were they not contacted by Statebridge to cure any loan balance, plus I had never missed any payments with my one and only servicing company.
I requested to reinstate the loan and applied for a loan modification at least 3 times but were denied all requests by Statebridge.
On XXXX, Statebridge put my property in default. On XXXX, I filed bankruptcy to avoid foreclosure with XXXX XXXX XXXX but it was dismissed XXXX. My house was wrongfully foreclosed on XXXX during the COVID-19 while the courts were closed by XXXX XXXX XXXX attorney XXXX XXXX for new owner, XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX XXXX who both are NOT registered to do business in California. I wasn't properly served nor had an opportunity to attend an auction to bid on my property. On XXXX, an eviction judgment was granted and on XXXX, I was locked out of my house by the Sheriff.
I am a victim of elder abuse and predatory lending. I am XXXX years old. I had been in my house since XXXX. My loan modification requests were not honored by Statebridge. I wasn't properly served of a foreclosure taking place during the COVID-19 pandemic. My house was wrongfully and fraudulently foreclosed by a business who is NOT registered to do business in the State of California which are XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX are stealing people 's homes and evading taxes because they're not registered with the CA Secretary of State. Their business address is not valid because a processor attempted to serve court papers, but no office was actually at the location. XXXX XXXX XXXX, owners XXXX and XXXX XXXX are selling houses for XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX who are not registered to do business in CA.
All these parties involved needs to be exposed of the fraudulent transactions and put out of business. They need to be stopped in their tracks!!
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| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I originally had my mortgage with Statebridge Company starting on XX/XX/XXXX. My loan was sold to XXXX on XX/XX/XXXX. I received a letter from XXXX stating that my XXXX mortgage payment was to be to them and not Statebridge. I paid my XXXX and every payment after to XXXX on time. Statebridge did not update my account to show my loan was no longer active with them. They then reported my account delinquent for XXXX and XXXX. This action caused my credit score to plummet XXXX points. My credit score was XXXX before this happened, I worked hard to get it to that point. I opened a dispute with XXXX about this error on XX/XX/XXXX. I sent the letter I received from XXXX as documentation for the dispute. It was not corrected. I called Statebridge and they refused to send me a letter to say my account was closed and was not delinquent. I opened another dispute on XX/XX/XXXX. I called and emailed Statebridge and they finally sent a letter stating that follows : A review has been made to past reporting of your account to the credit bureaus. The review was specific to the following and the actions taken regarding the discrepancies are identified : Dispute : The Borrower is requesting negative reporting for XX/XX/XXXX to be removed and update loan as service released as of XX/XX/XXXX Review Findings : The Loan was reported late for XX/XX/XXXX due to a delay in the Statebridge system to update loan as service released Corrective Action Taken : A correction was submitted to the credit bureaus on XX/XX/XXXX nd XXXX to update the loan as serviced released and removed negative reporting for XX/XX/XXXX from the borrowers account. To obtain a status with the credit bureaus in regards to this correction, you may use the AUD Control Number : XXXX ; which is the reference number associated with the correction.
The delinquency was not corrected. It still says my account was 30 days late and this will stay on my credit report until XX/XX/XXXX. I have opened yet another dispute on XX/XX/XXXX. I called Statebridge and they said they have responded to XXXX and have made the correction. The dispute is supposed to be resolved by XX/XX/XXXX. This has taken time and energy and a mental toll on me to get this corrected. I feel this error was not taken as serious as the consequences it caused me with my credit. I feel the representatives at Statebridge and XXXX did not take the proper steps to have my account corrected quickly and with good customer service. I do not feel like this resolution was a priority and it should not have happened in the first place. This has caused my undue stress and frustration.
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| 04/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We re-financed our mortgage on XX/XX/XXXX. As part of the settlement process, our mortgage with Statebridge was paid off IN FULL on XX/XX/XXXX. At the time of payoff, we had an escrow balance of {$4800.00}.
On XXXX, I called Statebridge to inquire on the status of our escrow refund. I was told by the Cust Svc Rep that the " Investors '' needed to approve the refund and that it usually took 30 days. I communicated to the Cust Svc Rep our sense of urgency of getting our escrow refund, due to the financial uncertainty associated with the Covid-19 crisis. She said there was nothing that she could do to expedite the refund, and I then asked to talk with a supervisor. I was transferred to XXXX, and re-iterated the same concerns and asked about getting our refund expedited. I was shocked by the attitude and rude demeanor of XXXX, who essentially accused me of trying to leap frog everyone in front of us and said " you're all in the same boat ''. XXXX does not know our financial situation, and her callous response was both unprofessional and ill-informed. She ended all by saying that " we have 30 days to return your money '' so you'll have to wait the 30 days.
On XX/XX/XXXX, I called Statebridge again to inquire on the status of our escrow refund. I spoke with XXXX, who indicated to me that the refund process is 30-45 days. This was inconsistent with the timeline that I was given on XXXX. I again re-iterated our sense of urgency in getting back our escrow money. XXXX indicated that he would send an email to Statebridge Cashering to inquire on the status of our refund, but I never received an update.
On XX/XX/XXXX, my husband called Statebridge again to inquire on the status of our escrow refund and spoke with XXXX. My husband again re-iterated our sense of urgency in getting this money back, and XXXX told him the process could take up to 45 days. When my husband pushed back, XXXX indicated that he would open up a case. When my husband asked for the Case # ( for reference purposes ), he was told that he couldn't have it. This was the LAST straw!!!
At this point, our loan with Statebridge has been paid off for over 30 days, and we're getting ready to make our first mortgage payment with our new lender. Meanwhile, Statebridge is still hanging on to OUR {$4800.00} escrow funds. It's abhorrent that a big company like Statebridge would take advantage of the " little guy '' during this unprecedented pandemic when many people ( including us ) are experiencing financial anxiety. This complaint is our " next step '' in getting this company to do the right thing and return our money.
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| 01/09/2018 |
No |
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- Trouble during payment process
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Web |
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Starting XXXX/XXXX/XXXX State-Bridge became my loan servicer for my mortgage account that was previous held with XXXX XXXX XXXX. Since State-Bridge took over I have nothing but problems.
First, starting with the billing. From the date they became the servicer in XXXX all the way through XXXX of XXXX the billing statement were not correct. It was n't till XXXX of XXXX when the bills became to look normal. At this time, I was informed there was an over payment to the Escrow account and a refund would be issued, payment would decrease. Beginning of XXXX I notice on the billing statements being sent that our LTV ( loan to value ) ratio was showing at 114 %. Still to this day I have yet to get any answer or response to why this is. When I attempted to call State-bridge regarding this they continuously tell me that is what XXXX reported to them. I have a letter from XXXX stating this is not correct. In addition I recently got a notice that my Escrow Analysis have a deficit for the year of XXXX in the amount of XXXX. On XXXX/XXXX/XXXX I spoke to XXXX on a conference call with myself and husband around XXXX est time. We spoke to rep name XXXX, he stated that the shortage was created due Statebridge not having proof that I had homeowner insurance, only later to find out when speaking to XXXX ( sup ) and a conference with their vender that deal with insurance was told no this is not the reasoning for the short fall.
Going over the statements printed in XXXX my husband and I realized the billing for each statements varies, for example one month there was not any PMI insurance charge and the very next month its double. Also the statement printed XXXX XXXX the change in the mortgage payment was XXXX after an analysis was done it dropped to XXXX ( unsure why the analysis was done mid year ) and a surplus check of XXXX was disbursed back to us. This is the main issue is the billing, and not being able to speak to anyone in the escrow department. You can only reach State-bridge escrow department via email, and no one answer you directly..
I am unsure why the change in the escrow.. I do n't understand how to you get over payments back one year, nothing change in taxes/insurance but yet its a short fall and no one can answer the question.
State-bridge sup XXXX XXXX refused to send my any writing documentation of the change to my account. He did not know to navigate on their website. No one I have ever talked to at state-bridge gave me the correct information and their supervisor will admit they need more training.
|
| 08/03/2019 |
Yes |
|
- Trouble during payment process
|
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Web |
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To whom it may Concern, Please please HELP. My mortgage was sold to STATE BRIDGE MORTGAGE in XX/XX/XXXX. Its been nothing but FRAUDULENT activity on my account. I noticed my payments were going up every year, remind you I was with XXXX for 7 years and my payments never increased. I requested all my. ESCROW Analysis since XXXX and this company have been overcharging my escrow account. The numbers Not adding up. By LAW I am required to keep a certain amount reserved. They have OVERCHARGED my account since XXXX. I should have been paying around XXXX a month for XXXX, yet they said my payment was {$1000.00} I paid for that year. XXXX my taxes and insurance was cheaper my payments were supposed to be {$950.00} and yet this company said its {$1000.00} every years its an XXXX Shortage in my mortgage. I added up my insurance and taxes and my Fiquers is still less. Same thing in XXXX. I just noticed when my insurance company contacted me about an overage check I never received. This company has so many. Complaints on XXXX. I have been sending my payments and do not want deposit it. I refuse to keep paying my mortgage until Im sure of the correct amount. This company doesnt answers phones, dont return call. You can never speak with the ESCROW department everything has to be email or faxed. Then they sit on it or throw away.. I need answers ASAP. This company owes my money from XXXX til now for over payments. I have requested information more than 10 times Im only getting the run arounds. Its not Fair what this company is Doing to us paying CONSUMERS. Its ILLEGAL, I cant afford a lawyer, I wish I could because this has stressed me out and is affecting my health. I cant believe these crooks / liars. I dont think this company is legit. It sounds as though they operate from they houses. Definitely unprofessional, rude, Thiief and Liars. Please please someone please help!!! This Company should not be In business. I work to hard for this Company to be overcharging my ESCROW to make my payments higher and pocket the money, Im not sure whats going on. I have copies of my Escrow Statements and after reading all the other complaints about this Company and Escrow problems. I Am not alone. I will also file a complaint with HUD. This is Unacceptable and Illegal. I have also requested my PMI be removed. They will not respond.
My name is XXXX XXXX, best contact is email : XXXX Company is StateBridge Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My loan number is ; XXXX
|
| 07/10/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
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Statebridge contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX.
The account is already settled, already paid. XXXX XXXX XXXX ( XXXX XXXX. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( XXXX XXXX. XXXX ) Payoff to XXXX XXXX ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted by XXXX to XXXX XXXX. Deed of XXXX recorded XXXX XXXX of XXXX CA.
After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end?
Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.
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| 10/09/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Dear Statebridge, As you are aware, I have been trying to resolve this issue with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX as recently as their last response on XX/XX/XXXX through the Consumer Financial Protection Bureau XXXX Their latest response produced more information that states that my previous mortgage company did not pay the XXXX XXXX XXXX loan in question. They were never paid their proceeds during the Escrow and Title proceedings, yet my mortgage went up {$48000.00}. Since my previous mortgage company is gone out of business and the Title company has changed ownership and relocated, they have no record of that transaction and I am at a point where I can no longer challenge this account. I am a victim of the financial crisis of XXXX with my previous mortgage and title company gone. Now, seeing how I just received a response from XXXX on XX/XX/XXXX, how can you file a notice of default on XX/XX/XXXX? Isnt there a time period before you can file a default?
Maybe you did not receive notice, so I am filing this complaint through the CFPB as record to provide you with information about claims submitted to the original creditor. How can you file another Notice of Default and Election to Sell on XX/XX/XXXX? Isnt there a three-month time period to cure a default in California ( Cal. Civ. Code 2924 )? We contacted you XX/XX/XXXX through the CFPB about us dealing with XXXX the successor to XXXX XXXX, trying to find out what happened to our escrow payment. Which I responded to on XX/XX/XXXX, so when will the three months start? We dont have money to keep paying your lawyer costs and fees while we are disputing your claims. My lawyer says the best action would be to contact you about reinstatement but you filed another Notice of Default and Election to sell. The earliest you should be able to do this action is XX/XX/XXXX based on my first dispute through the CFPB. This is crazy. How is this not another violation? Don't you have to go by the rules and time periods for debt collection in my state?
That being said we have no choice but to try and reinstate this account to stop this foreclosure. Please provide us information to proceed and reinstate Loan # : XXXX. Any considerations on the terms of reinstating this loan would be appreciated because Im just a XXXX and I can not keep paying all these fees, Im already out {$48000.00} dollars + your previous XXXX in fees. How does this stop?
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| 05/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I have a problem with Statebridge Company LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX . The issue I am experiencing with Statebridge is that I either do not receive a statement or it is delivered after my payment due date. This problem has been ongoing for over twelve months and I have attempted several times to discuss the issue with Statebridge. Statebridge continually advises me to use the payment grace period. Statebridge claims that they can not be held responsible for any delays concerning the Unites States Postal Service. My concern in using the grace period when sending in my payments is that I ha ve less mail dates for said payment to get to Statebridge. If th e USPS delays the delivery of my payment, Statebridge will certainly hold me responsible for that delay and charge me a late fee. When I suggest making my payment over the phone on the due date, Statebridge declines to waive their fee. There is also an extra charge to pay online. I am uncomfortable entrusting Statebridge to use the direct payment option. I called the Better Business Bureau in XXXX , CO and they informed me that they have received over XXXX co mplaints in 36 months of operation against Statebridge Company LLC and that the company has a rating of a " B-. '' There are also currently open complaints. I last spoke to customer service representatives XXXX and XXXX at XXXX on XXXX XXXX , 2017. I call ed back a third time to speak to a supervisor and was put in touch with XXXX XXXX XXXX at XXXX XXXX XXXX , 2017 . XXXX XXXX was of no assistance in helping me to make an on time payment without added fees. XXXX XXXX explained to me that the statements get sent out on the XXXX of the month and that any delays in delivery was not his company 's problem. Customer service is not in Statebridge 's Company LLC mission statement. I want to pay my mortgage on time without added fees. It seems that Statebridge a ctually strives to discourage this. I am a United States XXXX veteran who has served my country for over twenty-four years. I do n't want special treatment or anything thing for free. I simply would like to receive my statements in a manner that allows me to pay my mortgage without added fees. I would like to be treated with respect and dignity and to be able to make my house payment on time without added fees.
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| 07/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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I was under bankruptcy because my mortgage was XXXX $ so I was contacted by XXXX XXXX XXXX XXXX and they work with preferred law, this was in XXXX 2015 so we started a packet they asked me to fill out documents send them back and they said my file will go to my lender and a negotiator and that it will take 10-15 days we 'll they been asking for the same info for six months they collected over XXXX, they claimed my insurance was escrowed Ave it never was, the switched all my contact info to them so I could n't contact my lender not could they contact me, they had me stop my bankruptcy, and also told me not to send any money to my mortgage, I 've asked over and over for proof and results since it 's been over 6 months or to give me a refund they did n't try to resolve it nor when I kept asking for proof and asking questions they ignored it they said they closed my case and I probly ca n't get a refund because of all the so called work they did, ask they have done was have my old mortgage servicing company send them my mortgage note, I at my own expense sent all required documents called my lawyer and did most of the fit work, I did alot if work on my end they ca n't show me proof of anything but asked for more money they said the {$3900.00} was for ask the work they done and that the extra money is for continuing my case well that 's what the letter I got says they have a retainer agreement that says that amount of extra money is for something else and i was verbally told the money is for them and then getting needed info I 've caught them in so many lies and nothing ads up all I isa refund so my child can have XXXX there 's so many discrepancies i ca n't think of them all to note but I can say this they have complaints with the XXXX even on there own XXXX page under preferred law they have complaints I 'm trying to do ask that 's possible get my money back and try to get a real modification, I have a new mortgage servicer which I never knew about I accidently going found out about then when I got insurance I 've tried contacting them with no luck because preferred law had it so I ca n't. I was trying to get a modification through XXXX XXXX and they denied me, note I 'm going to try state bridge but they will not return my calls it looks as if I 'm going to lose my home and I do n't even know if I 'm in foreclosure because I have no contact with them they 're not rerunning my calls
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| 09/15/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XXXX XXXX 2016 my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to Statebridge my regular mortgage payment. They put the money on an account named unapplied funding. XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XXXX and that is not true. I never received that letter.
To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was.
I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that Statebridge reported that the report is accurate. I dont believe it is because if they want to report the month of XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that.
They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences.
I really appreciate if Statebridge finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that Statebridge need to report the right thing to the bureau of credit
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| 10/05/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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We have had a very difficult time with Statebridge. At this point I believe they are a very dishonest and predatory servicer. In XXXX we were a victim of the mortgage crisis and applied for Making Homes Affordable Program to resolve the bad loan from XXXX XXXX. We were approved for the HAMP program. We were upside down on our mortgage and were told we no longer had a 2nd. The 2nd was removed from the fraudulent XX/XX/XXXX loan.
Now 12 years later! AFTER a global pandemic! Statebridge contacted us stating we are now facing foreclosure. We were very affected financially during the COVID Pandemic and could not believe this was happing to us. On top of that Statebridge is stating the loan is now over {$100000.00}. 12 years later we can not believe this is happing to our family. We have always been current on our first mortgage with XXXX.
We applied for a modification to try and resolve. We were declined. This is were we are starting to realize we are dealing with a dishonest company. 100 % predatory lender trying to drive our family into a foreclosure and loose our home.
Our Complaints : First we were told our file was in review with the underwriting department. During this time Statebridge placed a foreclosure sale date on our house. 4 days after Statebridge placed a sale date on our property we were told we were declined by the investor. From our understanding that is illegal in California. Dual tracking under the California Homeowners Bill of Rights.
Secondly, the reason for the decline is a complete lie. It makes no sense and more proof that Statebridge is a predatory lender.
Modification Program Denied Does not meet the Investors Loan-to-Value requirements.
This is clearly a lie. We owe {$280000.00} on our first mortgage. Our current value on our property is {$870000.00} - {$920000.00} minimum. Also our debt to income ratio meets all mortgage banking guidelines. Based on this denial it looks like Statebridge is not looking at the information provide for the notification review. They are lying and declining the file after they placed a sale date on the property. All of this seems very illegal.
Third issue we have with Statebridge and the investor. We have been told this lien is a HELOC. A line of credit, not a mortgage. If it is not a mortgage, is there not a statute of limitations for a line of credit?? Like a credit card.
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| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage started on XX/XX/XXXX with XXXX XXXX. It was sold to Statebridge starting XX/XX/XXXX. Statebridge then increased the rate and changed the escrow terms illegally.
I requested to cancel the escrow account in XXXX and provided the proof of payment for the XXXX whole year property tax as requested by Statebridge. After I called them many times, they finally responded in XXXX. that they rejected the request stating that the escrow account must remain open for one year. I notified them that the original mortgage agreement I signed with XXXX did not have this requirement and according to the federal law, they cant change terms when the mortgage was sold to them. Ive also requested them to provide documents and proof that they have legitimate and legal reason to add this requirement. They just ignored my requests whatsoever. In XX/XX/XXXX I notified them that the mortgage had been one year and the escrow account should be able to be cancelled as they promised even with their newly added requirement I did not agree. But they again postponed the cancellation date to XXXX.
During the time Ive also repeatedly requested the balance on the escrow account to be refunded or applied to the principle balance. They just ignored all my requests. And the escrow account had accrued more than {$15000.00} balance at this time. According to the service terms, the escrow account was established to pay the property costs so that the borrower did not have to pay one or two large payments a year. Since we had already paid the property tax for the whole year and requested to cancel the escrow account ( and would pay insurance by myself ), the escrow account was not servicing its purpose. They kept collecting the escrow funds each month and holding the funds there not servicing its purpose, which was against the service terms and illegal.
When the mortgage was sold to Statebridge in XXXX, they secretly increase our mortgage rate from 2.75 % to 3 %. When I found out the rate change in XX/XX/XXXX. and contacted them, the representative over the phone tried to lie to me that the rate did not change, and then lied to me that the rate increased because it was on the XXXX ARM. Though they finally reversed the rate on XX/XX/XXXX after my insistence and contacted them multiple times, Id like to point out they were committing something illegal.
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| 04/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I am in desperate need of assistance. I have a sale date for XXXX XXXX and it has been XXXX ever since my loan was transfer from XXXX mortgage to State Bridge.I am tired of working directly with my new lender State Bridge because they are prolonging my loan so I can fall more behind. First I was always asked to re-fax documents when they confirm that they were received. Then with not even a month of expiration I had to keep sending them more documents, due to my file getting transfer to a new specialist every time. State Bridge will always say that they needed to have a complete package to presented to my investor but my packet was always complete. Once my file was presented to my investor State Bridge told me that I could not be help because I was offer the XXXX modification previously with XXXX bank. That there was no other work out option. I was so devastate because before my file got transfer to State Bridge the only modification I had was an in house modification. I was never offer the XXXX modification. However State Bridge has use this as an excuse in order to deny my loan. Also they have switch my income many times for their own benefit so I wont get any help. My total monthly income included my husbands is {$4000.00}. Therefore when I spoke with agent today XXXX XXXX, I was told that the income that State bridge has use was {$3300.00}. I told her that was incorrect and that I am tired of all this. I have even offer them {$15000.00} to get the help and still is not enough for them. I have escalate this to my investor as well the only person that tried to help me was XXXX XXXX from the investors office. However, she has been out from the office many days and now I had to contact XXXX XXXX from the investors office. He 's responds was just to let my home sale because I have a sale date for XXXX XXXX. That this will be a better option to just walk away. I started to cry when he told me this. I dont want to be homeless I told him I was going to file a complaint with the consumer financial protection Bureau and he told me that I can do as I please. That my home was going to sale either way. I want this adress. I have proof in writing of all the wrong doing they have done. Please I am begging for help. I do not want to be leave homeless. Thank you so much and I hope you help me with this awful situation.
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| 08/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Statebridge acquired servicing of our loan 14 months ago in XX/XX/XXXX. We have consistently made clearly identified principal curtailment payments each month. However, Statebridge has misapplied 8 out of the 14 principal curtailment payments. Our payments have either been placed in an "unapplied funds" account or split between future payments not yet due and a reduced amount to principal.XXXX XXXX, Collections Lead, became my contact in XX/XX/XXXX, after the first misapplication was not resolved with numerous phone calls and emails to Statebridge. XXXX was initially non-responsive but eventually told me- on XX/XX/XXXX - Statebridge had 60 days to properly board and verify my account. Despite this alleged 60 day window, my payments for XXXX, XXXX, XXXX and XXXX, XXXX were all misapplied, requiring me to constantly email and make phone calls to demand the funds be properly applied.Our payments for XXXX and XXXX, XXXX and XXXX through XXXX, XXXX were properly applied without issue. But then our XX/XX/XXXX payment was again misapplied. XXXX XXXX became unresponsive to my emails. On XX/XX/XXXX, I received an email from XXXX XXXX, AVP of Servicing, who assured me he would monitor the account and "ensure accuracy in the postings." Despite this assurance, our XXXX, XXXX, XXXX and XXXX, XXXX principal payments have been misapplied. After numerous emails and phone calls, all but the XX/XX/XXXX payment were fixed. The XX/XX/XXXX payment remains in an "unapplied funds" account, resulting in Statebridge accruing unearned interest. XXXX XXXX is now being unresponsive.Moreover, despite having no escrow account, Statebridge made a disbursement for voluntary insurance and our account now shows an "escrow shortage". Attempts to have this fixed have been met with silence.Statebridge has shown a distinct pattern of misapplying funds in both the loan account and in an imaginary escrow account. I need them to cease and desist these practices and honor the terms of our contract. The extensive email chain of all the time taken to have our account properly serviced is beyond the pale. The is no way to treat a disabled veteran and a senior citizen.Docs attached: (1) Loan history; (2) Letter re not collecting insurance funds; (3) Escrow analysis showing -0- escrow; (4) email chain over 14 months.
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| 05/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since my mortgages origination with XXXX I have never had an escrow account. The loan was transferred to Statebridge Loan Servicing approximately 8 months ago. On multiple occasions Statebridge called the local tax office a month before the taxes were due ( paid quarterly in NJ ) and the local tax office confirmed that the taxes for the coming quarter were not paid yet so Statebridge took it upon themselves to disperse taxes even though they were not authorized to do so. I had a conversation with the escrow department and the local tax office ( conference call ) to rectify the issue and a person from Statebridge confirmed that it was indeed a mistake for the taxes to have been paid and the local tax office refunded the last quarterly installment since I had paid the tax bill prior to Statebridge 's payment being received. Statebridge assured me and the tax office that this would not happen again ( this conve rsation took place in XXXX 2017 . Sure enough it happened again for the next quarter. I paid the taxes on XXXX XXXX in cash at the tax office an d Statebridge also dispersed the next quarter taxes even though I paid them. I called Statebridge today ( XXXX / XXXX / 2017 ) and the person said I was wrong and that I do have an escrow account. This person said there was nothing she could do and would have to have the escrow department reach out to me and that would tak e 5 business days. I understand that a mistake happens but this happened multiple occasions, I have to fight with them all them time and its a vicious circle and I am tired of dealing with these escrow issues that should not exist. I attached a screenshot that shows the escrow being dispersed in XXXX and then being refunded in XXXX and then again dispersed XXXX XXXX . I also have another complaint to make about them. I paid my mortgage on XXXX XXXX , which was a Saturday and they said that because the last business day of the month was the XXXX , Friday my mortgage was officially being reported late even though I paid the mortgage on the XXXX , within the 30 day late mark. Is it allowed for a servicer to report a mortgage 30 days late even if the mortgage was paid prior to being 30 days late? I have screenshots that can document this payment as well.
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| 06/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Entered into a repayment agreement with initial down payment of {$2000.00} made XX/XX/XXXX. Received no written documentation of verbally agreed upon plan. Missed two payments on plan due to XXXX treatment of husband, but company continued to accept payment of verbally agreed upon plan. Initially spoke with XXXX on XX/XX/XXXX. He advised XXXX in loss mitigation was my assigned representative, but her hours were only XXXX Mon-Fri. Finally spoke with XXXX and went over entire payment history for the past 18 months. Per bank statements, we concluded the verbally agreed upon payments of {$1100.00} were not made for XX/XX/XXXX and XX/XX/XXXX, which would have left the remaining balance of the plan to be {$2300.00}. XXXX with Statebridge insisted the total amount due at the end of plan was {$3700.00}, but was unable to explain why. Statebridge had established an escrow account, although proof of insurance was provided to third party company XXXX as soon as they received knowledge of lapse of insurance. Even still, Statebridge is charging insurance via an escrow account. We went to pay XXXX property taxes, however Statebridge had already made the payment, even though they were not yet due. It was requested that Statebridge extend the existing plan and XXXX stated that would require management approval. We never received a response from XXXX or her management regarding our request for clarification of total amount due and extension of plan. Moving forward, Statebridge refused to accept payment on the account. My husband recently had an XXXX XXXX to remove a new XXXX XXXX XXXX XXXX XXXXXXXX. Naturally, my energy has been spent caring for him. Additional financial hardship was experienced due to the global pandemic, as we cared for our grandson while he was recovering from XXXX. We recently received a letter from XXXX XXXX XXXX XXXX located in XXXX XXXX, Georgia and a letter of notice of hearing regarding foreclosure action on XX/XX/XXXX. We have made several attempts to get in touch with Statebridge via telephone to only be left on hold for hours at a time, and then disconnected due to service issues, with no one ever answering the phone or returning our calls. Information found on website is sorely lacking, leaving us bewildered to resolution.
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| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail.
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed.
I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws.
If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response.
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments.
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| 05/28/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Almost month and half ago I got an Annual Account Disclosure Statement from Statebridge Company. Me and my husband noticed an error in calculating of a shortage of my escrow account. Statebridge wrote d own XXXX XXXX you - {$2800.00} twice i n XX/XX/XXXX and XX/XX/XXXX in st ead once only. This error has been corrected a few days ago, but we have gotten bigger problem now. Statebridge wants us to pay a cushion of {$2000.00}. We spoke already with Statebridge representatives and sent numerous emails to Escrow Department, but they did n't want to remove it. The cushion is big difference for us, it is {$170.00} more than our monthly payment. We can not afford it, because we have to pay a shortage of {$460.00} and Anticipated Payments to escrow of {$1300.00}. In addition, in XX/XX/XXXX our princip al payment will be raised to 4.75 %, so our monthly payment will go up to {$3200.00} - {$500.0 0} more than we pay now. We would never apply for such loan or be accepted by a mortgage company. Under RESPA Statue a lender is not required to maintain a cushion. We have never paid a cushion in the past. This is a modification loan, issued by XXXX and transferred to Statebridge for servicing only. Also, we called Statebridge to pay off our current escrow balance - {$460.00}, but the representatives did not want to accept it. We would like to make payments on time like before, and in our opinion the cushion is not necessary. Our property tax fo r XX/XX/XXXX / XX/XX/XXXX will be low er than previo us one. Enclo sed a letter from XXXX XXXX XXXX , signed by the mayor of XXXX , that our city tax rate will be much lower than current one. It goes down to 3.29, so 2.6 % lower than current 3.38 one. Also you can see our tax assessment fo r XX/XX/XXXX . Acc ording to our calculation, if Statebridge does not set up a cushion, we should get a credit for next period. We would like to be good customers, pay our monthly payments on time, this is good for a mortgage company too. We think there is no reason to set up a cushion for us. It seems that Statebridge Company wants to collect extra money from us. But we hope, we can solve this problem together. Thank you, XXXX XXXX
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| 02/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Same as XXXX other people I saw under XXXX complaints, My Bank, XXXX Mailed pymt XXXX XXXX. to Statebridge LLC, XXXX # XXXX, StateBridge said they did not receive until XXXX XXXX and charged me {$32.00}. In past 10 years using XXXX XXXX to pay my bills I have never had a problem with bills being paid within the time posted by XXXX XXXX XXXX. My XXXX payment was sent to Statebridge LLC on XXXX XXXX and held by StateBridge till XXXX XXXX thus incurring a {$32.00} late fee ( see attached ). In speaking with StateBridge on XXXX XXXX 2017 the attitude was " PROVE IT '' As explained by XXXX, employee number XXXX he has been waiting for a baseball hat for 3 weeks thru the mail, suggesting I should pay StateBridge {$5.00} fee and pay online to insure my payment is received on time. Supervisor XXXX XXXX broke the Law when he refused to tell me Statebridge LLC License number after I asked. Further XXXX XXXX stated the XXXX XXXX, which is on second page of mortgage statements, was related to real estate misleading myself from fact it is StateBridge LLC license Number to do business servicing loans. Today, XXXX/XXXX/2017 XXXX, " XXXX '' who would not give me an employee ID # or his full name told me there was no license number to give out after I asked him and he had to ask a supervisor if it was ok to give out. So it appears StateBridge LLC will not allow payments to be made " free of charge '' unless the consumer sets up auto pay. I would not set up auto pay with a company I trust let alone a Company like StateBridge LLC whom I do NOT TRUST. Thus again, my story sounds like the XXXX other complaints on XXXX- ' Never been late or had issue with mail being delivered on time-EXCEPT FOR STATEBRIDGE LLC WHO SAYS PROVE IT. ' I will not pay a late fee from a company who, in my opinion, intentionally extorts fees while the consumer is making the mortgage payment to stay in compliance with mortgage agreement. Here are just a few other complaints on XXXX : XXXX XXXX & XXXX & XXXX # XXXX XXXX XXXX, Also I wish to point out The Credit Bureau has a " D '' rating for this company. How is this company allowed to do any business with mortgages after the Dodd-Frank Bill was enacted?
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| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To whom it may concern, XXXX XXXX XXXX XXXX XXXX purchased my second mortgage as I understand it in XX/XX/XXXX. Statebridge is the servicing company assigned to the loan.
After almost no contact from Statebridge I hired legal counsel as of XXXX XXXX to assist me in the modification/communication process. Statebridge requested my " wet '' signature on the letter of representation which was provided to them in a timely fashion. Both myself and my attorney have faced a complete lack of response to our many attempts in contacting/communicating with Statebridge since XX/XX/XXXX. My attorney has agreed to and will provide his log of attempted contact with Statebridge. My attorney advised me last week to seek another avenue that is more cost effective rather than continuing to pay his hourly rate as Statebridge refuses to contact him/office. To date we are at 5.5 hours of attempted communication from his office. Both via email and phone.
Areas of concern : Complete lack of communication/refusal to communicate Payments being processed but not applied to the loan ( I have statements from Statebridge reflecting this ) and can provide bank statements showing funds debited from my account.
Statebridge issuing a NOI ( Notice of intent ) regardless of payments made to and processed by Statebridge.
The state of the Assignment of Mortgage. As I understand, it is not in legal form. Please see attached document.
Refusal to answer direct questions.
Refusal to accept/process payments.
Please see attached doc " Statebridge email '' Please see link below for XXXX : XXXX : XXXX Please see CURRENT ALERTS FOR THIS BUSINESS in link.
To be quite honest I am completely baffled as to how this company is allowed to continue conducting business. Truthfully I am at a complete loss as what to do at this point.
I have or can gather any documentation you would like to view. I have a few recorded phone calls of payments being made. Also the call where I was told they could not accept payment in that department and there was no one available to speak to me and someone would call me back ( with no return call ).
I need help!
Thank you for you time.
XXXX XXXX ( XXXX )
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| 09/24/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XXXX my mortgage company XXXX filed bankruptcy I continued to make my payments until they returned my last 2 payments in XXXX of XXXX in XXXX I received a letter from XXXX XXXX XXXX stating that they are the servicers of my loan and they are foreclosing on my home on behalf of XXXX XXXXXXXX XXXX XXXX because payments were not being made I explained that I never received any further notice from XXXX or any correspondence from XXXX XXXXXXXX XXXX I applied for a modification with them but they turned me down I attended several foreclosure conferences until my case was transferred to the Supreme court I also contacted the XXXX XXXX XXXX XXXX who sent me an email stating that after researching their database they found no records of my property and they are not my trustee I also hired an attorney who got the same response in XXXX of XXXX I received a check from NY Dept.of Financial Services with a letter attached stating that I'm receiving a payment due to a lawsuit against XXXX then in XXXX I got a mail from XXXX XXXX XXXX stating that they are a debt collector collecting a debt for XXXX someone I never heard of and they never stated what the debt was for so I filed a chapter XXXX and XXXX XXXX XXXX was discharged but I still got a notice of foreclosure from them so my attorney filed a motion to show cause we had a hearing for XX/XX/XXXX and the representative for XXXX XXXX XXXX came to the court with nothing but the bankruptcy that I filed so a new date was set for XX/XX/XXXX but the judge did not grant us a chance to speak he made a decision granting foreclosure to XXXX XXXX XXXX even though they never submitted any documents to show cause to my attorney or the court which was a prejudice act on behalf of the judge I have had 3 counseling sessions with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX when my counselor called FHA she was told that my loan was owed by state bridge now that has me confused since judgement was given to XXXX when XXXX returned my payments and I received that check from XXXX I thought that my mortgage was discharged please let me know as soon as possible what can be done at this point thank you
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| 09/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have XXXX accounts with StateBridge out of Colorado.
I have numerous problems with them that I cant seem resolve on my own.
First there online system is down 80 % of the time with non access.
I have sent over 75 emails and countless calls and hours trying to resolve this and all my contacts fall on deaf ears.
Despite them agreeing that I have made my payments on time, I am still subject to twice a day Robo collection calls, reporting me late to the credit reporting agencies and all kinds of added fees and costs. Not to mention the emotional toll and stress this has taken.
On one account they have consistently taken my payments and put them in an unapplied category, when they finally apply it they apply it on whatever date they want causing me to pay extra interest and charging me a late fee. As well as reporting me as much as 90 days late to the credit reporting agencies when the payments were made timely. As well on this account earlier in the year they charged me some vacant fee charge, they first insisted it was a law that they charge it even thought I told them my house was never vacant. I paid it because they were reporting me late, finally they agreed that I should not have been charged it. I asked that it be sent back to be or apply it to my loan balance. It never was never done this has been going on for over 8 months. They have agreed to fix these in writing but it has not been fixed.
On the second account, its pretty much the same thing they put the payment in an unapplied account and sometimes months latter apply it, but charging late fees, extra interest and reporting me late to the credit agencies.
I pay both loans with electric bill pay and have proof when they were paid. I have email after email from them saying they will fix these and they have not. But I did receive at least one letter from them suggesting I short sell my home or give it to them as a deed in Lieu of foreclosure.
I am not sure what I can do they are causing us a great deal of emotional distress and financial harm.
I can send you some or all of the emails to and from me, as well as the statements.
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| 05/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We are trying to sell our home via short sale - XXXX is the main holder and has approved the sale - Statebridge is not working with our realtor and will not settle on our debt and is killing our sale for our home forcing me to file XXXX XXXX - we just want a resolution to this whole situation - the employee from loss mitigation is causing the issue due to the fact I called him out on his condescending tone and behavior on the phone and we had words and now he is trying to sabotage our change to resolve our home- please help- I have also reached out to the company Please see below Good Afternoon, XXXX XXXX I did not know where to turn, but to hopefully gain some grateful help and incite from you!
We are in the process of selling our family home in a short sale - The main mortgage has accepted the deal and your company has now denied any type of settlement. We are not making any money just getting our home situated and sold to another loving family.
Unfortunately, I made some very bad business decisions that impeded my family life and has harbored into several lawsuits and a bankruptcy as well as a crazy divorce.
I would love to find a settlement on the note that is owed to your company, However - your employee XXXX XXXX from loss mitigation is unwilling to work with our lawyer and realtor and it will kill the deal.
I would be so grateful if you could help us in any way- Please note that when I spoke with XXXX, he was very condescending and has no idea what folks or individuals have gone thru - our self-esteems have been shredded and clouded with embarrassment by our situation. He did not add any light to the circumstance. I did call back and speak to another woman who was absolutely lovely, and I commented about XXXX 's behavior. I understand you are in the business of making money, but we are only trying to settle our lives. Can you please help us get some sort of settlement. I would be so grateful if we could settle for a lesser amount on the debt that we owe.
I have attached the letter from XXXX.
Grateful for a wonderful outcome.
Sincerely XXXX XXXX
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| 11/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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My original loan was with XXXX XXXX which was illegally billing me. I stopped paying because there were numerous discrepancies in the amount being billed. Despite numerous request to have my loan reviewed, the request were ignored and sent to be foreclosed upon. They started a foreclosure which I was never served the summons and complaint or sent the 90 day notice as required by XXXX laws. My loan was later sold to waterfall which has been serviced by Statebridge Company. After the transfer I tried to rectify the problems with Statebridge. Rather, Statebridge continued to harass me to hand over my home rather than work with me to bring the loan current. After the transfer Statebridge continued the illegal billing and added an additional XXXX. On numerous occasions I was told I would not be given a modification and my only option was to turn over my home XXXX. A home which has more than a couple XXXX of dollars in equity. I also communicated with Statebridge about the faulty foreclosure, yet they still tried to obtain a default foreclosure. After I filed I motion to dismiss and several court appearances, the judge reviewed the case and ordered a traverse hearing. Upon the looming of the traverse hearing they discontinued their foreclosure action.
The foreclosure was also sent to my neighbor which is a violation of federal laws. After communicating with their attorney 's and servicers asking for proof of the amount being billed they have basically ignored my request. Statebridge sent me a letter stating they were not required to answer my qualified written request since I am in foreclosure and their attorney 's have just ignored my request for documents. They have recently ended their foreclosure case and although their order of discontinuance states that the case is discontinuing without cost, I received a statement with additional foreclosure and attorney 's fees. Statebridge, XXXX are in violation of Federal, state and City foreclosure rules. XXXX Statebridge have insisted that I hand over over my house to them for {$3000.00} rather than justify their fees.
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| 07/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020, my loan with Statebridge was transferred to a new loan, XXXX. Unbeknownst to me, the funds were not sent as well. I received a call from XXXX saying that I was 30 days late. I contacted them on XX/XX/2020 advising them that payment was sent electronically to Statebridge on XX/XX/2020. XXXX had apparently not received the payment. That same day, I then proceeded to contact Statebridge and when I saw that my account still had the unapplied amount of {$150.00} sitting there, I asked them to please send it to XXXX as my loan had been transferred. On XX/XX/2020, the unapplied funds were finally disbursed on XX/XX/2020, from Statebridge. I was told at that time that the money had been wired over. I contacted XXXX to see if they had any information regarding a wire transfer from XXXX in the amount of {$150.00} and they did not have anything in house. Again, I contacted Statebridge letting them know that XXXX had not received payment. Then on XX/XX/2020, I was told that a check was mailed on XX/XX/2020 and the agent gave me the check number. The agent at Statebridge was also going to open a task to see how the check was sent. I also asked if they could check to see if the check had been cashed and she said no. On that same day, I contacted XXXX to give them the check information so that they can see if they had the check in their accounting department. On XX/XX/2020, I contacted XXXX for confirmation of payment received, and of course they had not received it yet. XXXX asked me to send my bank statement showing proof of payment to Statebridge on XX/XX/2020. On XX/XX/2020, I contacted XXXX to again see if there was any information about the check from Statebridge being received and the agent informed me that nothing has been received as of late. I attempted to call Statebridge 4 times and have not been able to get through. Their phone system keep sending me to take a survey and I haven't even spoken to anyone yet. As of XX/XX/2020, the check that Statebridge " mailed '' to XXXX in the amount of {$150.00} still is yet to be found.
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| 11/15/2018 |
Yes |
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- Trouble during payment process
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Web |
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I am writing to request an inquiry into the mortgage servicing of Statebridge Company. My mortgage payment is due on the XXXX of every month. Statebridge prints my statement on the XXXX of every month and then at some point it is mailed to me. Last month, I received my statement in the mail on the XXXX and went to the post office the next morning to personally drop it off. Statebridge assessed me a late charge saying they didn't receive it until the XXXX. I also requested with my payment that Statebridge mail my future statements earlier. Statebridge did not mail my XXXX statement earlier as requested with my payment. Statebridge again dated it the XXXX and again mailed it some time after that. I did not receive my statement until Saturday, XX/XX/XXXX and the next earliest date I could mail my payment would have been Tuesday, XX/XX/XXXX due to the holiday. As such, I was forced to either pay my mortgage online, which incurs a fee charged by Statebridge, incur the cost of overnight delivery, or run the risk of a late fee since the post office can not deliver mail from Virginia to Colorado in a day. My inability to pay my mortgage without incurring a fee is due to Statebridge 's failure to adequately provide my statement in enough time to pay it without incurring additional unnecessary charges. I feel like Statebridge is scamming consumers with online payment fees or late fees because we have no other options when trying to make sure our payment is not late. The extraordinary costs involved with refinancing a mortgage due to a poor mortgage servicing company makes this a difficult situation and not an easy fix unless Statebridge corrects its practices. I called Statebridge on Saturday, XX/XX/XXXX and left a message to resolve this matter, and to date, nobody has returned my call. I also followed up with another request via email. As of the time of submitting this complaint, Statebridge has not contacted me, nor resolved my concerns. Your help with this complaint is appreciated. Thank you.
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| 01/20/2017 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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This is my third complaint about Statebridge Company, LLC. This complaint addresses an escrow check they claim they sent me. In XX/XX/XXXX I stopped receiving my monthly mortgage statements. I continued to make my monthly payment every month, however, and requested in writing and on the phone for a statement. Finally in XX/XX/XXXX I received a statement. In XX/XX/XXXX I received a statement that read NO PAYMENT DUE. I called and was informed that in XXXX my mortgage payment was lowered. I did not know this because I never received a statement and no one told me when I called the office. I called to find out what happened and was told that an escrow analysis was done and that my payment was reduced but that the escrow would stay intact. I made no payment in XXXX because no payment was due. In XXXX I paid the reduced payment of {$520.00}. In XX/XX/XXXX I received an escrow analysis and my payment has skyrocketed to {$900.00}! When I called for an explanation I was told that they stopped escrowing my taxes, even though I was assured in XXXX that the escrow of {$96.00} included taxes and insurance. I filed a new complaint yesterday with your company : XXXX. Upon doing so I discovered that my original complaint, XXXX had been answered. I do n't have a computer and waited patiently for something in writing and never received a response. Under the old complaint Statebridge stated that they did an escrow analysis and lowered my payment to {$520.00} and mailed me a check in the amount of {$3200.00}!! I never received a check from them! On top of that, I do not know where the extra money I sent in my mortgage payments from XX/XX/XXXX to XX/XX/XXXX went, It was to go to escrow but obviously they did n't correctly apply it. I can not make a payment of {$900.00}. I live on XXXX and escrow my taxes because I do n't have a saving nor do I have a way to come up with large sums of cash. Statebridge told me to buy more affordable housing, even though they have obviously totally screwed up my account.
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| 03/31/2017 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Our mortgage company has shortened our escrow account severely, we have tried contacting them to speak with the manager ; no one has contacted us to workout a solution. They have emailed us back admitting escrow shortage was entirely escrow department 's fault. Instead of coming up with the fair solution they want to make payment arrangements ; this is not fair to us ; we asked them back in XX/XX/XXXX if our mortgage payment will change they said they will do an escrow analysis and let us know ; no one got back to us.
This year, we received small refund back from our taxes ; we made extra payment of {$2400.00} to cover our two months ( XX/XX/XXXX and XX/XX/XXXX ) mortgage ; servicing department took our monies and applied toward XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1400.00}. We did not agree to any arrangement with them ; we told them not to use that monies for anything it is to be applied for our XX/XX/XXXX and XX/XX/XXXX payment. they are not calling us to talk to us ; we have requested a manager with proper degree and work experience to call us because we have questions about the escrow shortage and the amount for escrow fulfill are coming from. we need to work numbers with the real person either on the phone, in writing or in-person. Our mortgage company is giving us a heck of a time.
In attached files, it shows payment history our account was sold to Statebridge company on XX/XX/XXXX ; since then we have been making the payment of {$1200.00} and little bit more towards our principle. In XX/XX/XXXX, Statebridge company decided to lower our mortgage payment by {$100.00} ; when we questioned why they lowered our mortgage payment a mortgage service associate told us they have paid all of our taxes and homeowner 's insurance and turned out that they have collected extra in escrow. They did n't take our PUD taxes in to consideration. Because of their mistake our escrow is shortened. We are requesting CFPB to step in and help us resolve the solution.
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| 02/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received correspondence from Statebridge Company regarding forced placed insurance on my property, loan # XXXX. Although Statebridge claims to have removed the forced placed insurance effective XX/XX/XXXX, stated in a letter dated XX/XX/XXXX, Statebridge continues to assess me for forced placed insurance according to the XXXX mortgage statement sent by Statebridge on XX/XX/XXXX ( statement dated XX/XX/XXXX ).
In the correspondence letter from Statebridge dated XX/XX/XXXX ( received XX/XX/XXXX via CFPB ) states, " As of the date of this letter, your account with Statebridge is reflecting a current status with a next payment due on XX/XX/XXXX ''.
To the contrary, the XX/XX/XXXX statement sent by Statebridge continues to demand payment for forced placed insurance and lists late fees. I contacted Statebridge and spoke with a woman by the name of " XXXX '', ( Team Lead is her title ), whom has informed me that the letter I received from Statebridge dated XX/XX/XXXX, claiming to have cancelled lender-placed insurance on my property as of XX/XX/XXXX, is incorrect. XXXX seemed to feel that she was more knowledgeable than whomever was communicating with the CFPB and questioned the validity of the documents sent as attachments from Statebridge, in response to my complaint. Ms. XXXX has further complicated this matter with her contradicting statements and brash demeanor. I requested a mortgage statement reflecting what " XXXX '' was stating, as she informed me that the current statement sent to me was also incorrect, but she said she could not or would not be forwarding a correct statement. XXXX instructed me to send in a payment different than the amount demanded on the mortgage statement I received for XX/XX/XXXX payment.
This has to be one of the most dysfunctional companies I have ever had the displeasure of dealing with.
It appears I have no other option to get a straight answer, than to seek legal representation.
|
| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In 2020 my mortgage was onsold to Statebridge. Due to XXXX, I was unable to travel to my home in the USA. I emailed Statebridge about the situation repeatedly. I also utilised their Customer Service number, but it was rarely answered, even after waiting on the line for more than an hour. Statebridge did not notify me, but blocked online payments. I have always had more than adequate funds to pay the mortgage, but was unable to make payments, despite the Statebridge platform saying that the payments were successful. It wasn't until many months later that I was informed they STOP allowing payments on line where a payment is late. This makes absolutely no sense, as consumers who can only pay online are locked out of paying their mortgage. I was then forced to wait hours every month to try to pay over the phone. I have dozens of emails to Statebridge requesting help and assistance. Their IT does not work- I get error messages which I have taken screen photos and requested assistance. No help at all. Once or twice a year, I spoke with someone who would assist with payment, but all my requests for emailed statements and for a person I can call - these were met with silence. They recently changed the customer service number to ( XXXX ) toll free number which is NOT AVAILABLE outside the USA. When I dial XXXX XXXX on her direct line, she never answers - I have documented this on many emails. There is never an opportunity to speak to anyone and no assistance. I have been charged a huge amount of late fees, directions as to payments are not followed, errors in the IT systems make the online platform an absolute joke. Worst company I've ever dealt with. They aren't trying to assist customers or provide customer service. I request my loan be on-sold to another company that has nothing to do with Statebridge. I want my late fees refunded. I want to be able to use the online system which appears to have been built so that it does not work.
|
| 03/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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For the second year in a row, XXXX XXXX has claimed that I had no hazard insurance on my property and purchased insurance on their own to cover my property. The property is part of a condo development and insurance coverage is automatically purchased every year by the condo association. I have owned the property for 15 years, through two previous banks. There was never a problem about proper insurance coverage until Statebridge bought the mortgage. This year, when I finally located all the insurance information and it was sent to them, Statebridge pocketed the funds that I paid to them while waiting for the insurance information. Statebridge has not refunded the insurance premiums in the amount of {$330.00} I paid to them to avoid issues of non-payment since they attached the cost to the mortgage statements. They were refunded a total of {$990.00} by their insurance company.
I want Statebridge to correct the mortgage statement to reflect the actual monthly mortgage payments that should be paid - {$730.00} and to refund the {$330.00} I paid to them for unneeded hazard insurance. Last year, we went through this same issue and finally resolved it when the condo association insurance company provided insurance documentation directly to Statebridge. Statebridge then sent me a check for the amount I had paid to them for unneeded hazard insurance. This year, in XX/XX/XXXX I was told the same thing - that the insurance coverage had expired and unless I provided evidence of coverage, Statebridge would purchase insurance and charge me. A simple review of their own records would have been sufficient to check renewal of coverage. When I talked with the Statebridge insurance contractor, they had the name and phone number of the condo association but claimed to have no info on the condo association 's insurance carrier. I suspect this is a way XXXX XXXX is getting additional funds to use for investment purposes or whatever.
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| 06/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
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In XX/XX/XXXX My husband and I separated. I kept the house with the XXXX kids and was working part time ( could n't afford house payments at that time ) but got a full time position with the same company fairly quickly. I asked for a loan modification back in XX/XX/XXXX. After a year, could not come to an agreement. XXXX then sold the loan to Statebridge. In XXXX XXXX, I went to a housing counselor to help with a loan modification. Statebridge kept losing my paperwork over and over again. Every 6 months I had been submitting paperwork, only for it to be lost. Fast forward to XXXX XXXX, XXXX. We had finally come to an agreement of a loan modification via phone conference in the Court of Common Pleas Of XXXX County Pa between Myself, XXXX ( My counselor ), mediator, investor and a member of XXXX XXXX XXXX XXXX XXXX ( for investor ) and I accepted those terms on XXXX XXXX XXXX with an acceptance letter that was faxed to Statebridge, XXXX and XXXX & XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX we had modification meetings and was told at each meeting that the loan modification was still being drawn up, no issues presented at any of these meetings, I was told congratulations. On XXXX XXXX XXXX, I received the loan modification in the mail and the monthly payments was a different amount of what we agreed on. The agreed amount was {$1400.00} per month, it jumped to {$1600.00}. I had emailed Statebridge and asked them why it had gone up and that I could n't afford those payments. The response from Statebridge " Unfortunately the terms sent was what the investor on your loan approved. '' They wanted the payment made on XXXX XXXX XXXX, but I had to talk to my housing counselor about why the loan payment was different than what was agreed on and according to their lawyer on our XXXX XXXX meeting, they did n't want to accept any offers that I extended. They were done and told that there is nothing that I can do.
|
| 03/11/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My complaint is with Statebridge, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ( Their phone number is XXXX ) I originally had my mortgage with XXXX and it was transferred to Statebridge over a year ago.
The amount I am supposed to pay monthly ( Fixed interest rate ) is XXXX per a modified loan agreement that was signed about 4 or 5 years ago. However they are billing me for XXXX per month.
When I called up to get more information I was told this was for insurance and property taxes.
I live in a coop in XXXX XXXX XXXXXXXX. I pay insurance for the inside of my apartment through XXXX XXXX. Also the management agent for the coop pays insurance for the outside of my apartment. As for property taxes the management agent also pays my share of property taxes. ( There is not an individual tax bill for my apartment but rather a tax bill for all the apartments in the co-op and the management agent pays then bills us for based on the number of shares owned ). So every month when I pay my monthly maintenance charges ( of which I am current ) part of the payment includes property taxes and insurance.
However Statebridge claims they received an individual tax bill for my apartment when XXXX does not give individual tax bills for coops but a total bill for all the apartments in a coop which the managing agent then charges us for based on the number of shares in our apartment.
Bottom line is I do not wish to be billed by Statebridge for insurance and property taxes when I am either paying for this on my own or through my monthly coop maintenance. Also originally I was a month ahead on my payments when my account was transferred to Statebridge but the extra payment was confiscated by Statebridge for its fictitious property tax and insurance payments on my behalf.. I would like this money ( One month 's mortgage payment ) that was stolen from me to be returned to my account or refunded to me )
|
| 11/18/2020 |
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
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|
Web |
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In XX/XX/XXXX XXXX I cosigned and financed a pool loan with my ex-wife. The ex-wife was awarded the home in our divorce in XX/XX/XXXX.
In XX/XX/XXXX I bought a new home with my new wife and my ex -wife had let the loan with XXXX go delinquent. The loan needed to be paid current in XX/XX/XXXX to allow me to close on my new home purchase and it was paid current.
Then my ex-wife let her mortgage go delinquent again in XX/XX/XXXX. This would of started the statute of limitations of non payment and reporting history for that account. The account was removed and deleted off of my credit report in XX/XX/XXXX.
Now XX/XX/XXXX I was notified from my credit reporting agency that a new loan from Statebridge was reporting a balance and payment due and reporting late payments from the XXXX pool loan that was over 8 years old. This account with Satebridge re-reported illegally and damaged my credit scores.
I disputed the account first with XXXX and it was deleted right away in XX/XX/XXXX. Then it appeared on XXXX XXXX and XXXX when it hadn't reported before only on XXXX.
So then I disputed it with XXXX XXXX and XXXX and it was deleted from XXXX XXXX in XX/XX/XXXX.
XXXX has been the most difficult in not responding to my disputes. They updated the balance to XXXX and show it current but this is not acceptable as the account wasn't mine and is over 8 years old violating the FCRA rights of the statue of limitations.
This an urgent issue as I do not have any negative items on my report and trying to purchase XXXX dollar home which requires jumbo pricing guidelines. This type of loan product in very strict and this inaccurate reporting of the statebridge loan is preventing me from closing on my mortgage.
I again recently disputed the account with XXXX online and I need to get this correct in 30 or less releastically immediately.
|
| 04/13/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
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|
We have filed a report previously. The company told CFBP that everything was taken care of. It is nowhere near resolved.
Statebridge company has proven to be the most impossible company to work with in the entirety of our adult lives. We call them and they hang up on us, give us the run around and are rude and uninformed. We pay and they hold on to our checks for weeks and then report our payment as late to credit bureaus. They have single-handedly ruined our credit.
It is impossible to pay this company. If you call you are on hold for upwards of an hour and when they answer ( IF they answer! ) they hang up on you. They even call me to retrieve payment and when I answer and they switch me to an operator, they hang up on me!
Because they are marking my payments as late, I am not allowed to pay online. No phone payments because of the reasons listed above, no online payments because they are marking my payments as late and no mail payments because they hold onto my checks and process as late. I am at my wits end and very close to hiring a financial lawyer.
After our last claim with CFPB, Statebridge contacted us immediately and allowed me to make a payment in full over the phone, which meant future payments could be made online. I checked my account a week later and they said I was behind by {$120.00}?! How is that possible when they gave me the amount to pay? Now I am no longer allowed to pay online because I am considered behind. I have emailed and called them several times to no avail. I can not show up in their office because they are several states away.
XXXX is the company that is above them and they are no help, either. I have told them several times my complaints and they have told me several times that they were working to send my loan to another company. That have been about four months now with no results.
|
| 03/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
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I was contacted by State bridge Mortgage, the servicer on my loan after the Hurricane in XX/XX/XXXX and after my neighborhood was declared a federal disaster area. They offered me a reduced payment option for 6 months and then went on to say that the difference of my regular mortgage payment would be capitalized adding it to the back of my loan. I accepted the option, paid the agreed amount and have since resumed making the regular payments as of XX/XX/XXXX.
State bridge has sent me demand letters for the difference that they claimed would've been capitalized, they are reporting my mortgage as delinquent since XX/XX/XXXX and the regularly scheduled payments that I have resumed making since XX/XX/XXXX are being placed in suspense. Not only has this had an adverse effect on my credit but its also affecting my employment because my employer actively monitors my credit so this is becoming a huge problem. Furthermore, back in XXXX when the storm hit XXXX Florida I had already made the scheduled payment for the month of XXXX " prior '' to State bridge contacting me with the offer, they claimed that they never received it. In addition, I am really starting to question the competency of this servicer because not only are they reporting my payments incorrectly they also allowed my homeowners policy to lapse. And as luck would have it this was during an electrical fire/appliance damage caused by XXXX 's faulty wiring that started outside of the home. I would like to file a formal complaint against them because I have to get this under control. If I was having difficulty making the payment I can understand, if I didn't make the payments we wouldn't be having this conversation, but neither applies. I have also hired an attorney to pursue the matter at the credit repository level as well because again it is affecting my employment.
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| 07/16/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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this i a complaint about a late payment charge which i have tried to have corrected by statebridge company LLC which we have contacted by phone several times and explained the issue. On XX/XX/XXXX we received a late charge for our mortgage. The point is that back in XX/XX/XXXX when statebridge took over this mortgage they told us not to pay until XX/XX/XXXX . so to keep ahead i sent in 1st payment in XX/XX/XXXX and have paid every payment one month early and am continuing to do so. I went to my bank and got copies of every check front and back as proof of every check they have received and cashed and when it cleared my bank. we faxed these copies 3 different times to 3 different representatives and they still wo n't take the late fees off. They told me they were missing a payment the check was dated for XX/XX/XXXX and that they had not received it. so we went to the bank and put a stop payment that cost us XXXX and reissued a new check for XX/XX/XXXX . a few days later we received a certified letter notice which was the check they said the never got and it is stamped right on the front that they received it on XX/XX/XXXX so they had it all the time. they stated that it was post dated and they could n't cash it but they had been cashing them all along. now they say they sent us a notice of escrow mortgage increase of XXXX after i had sent in 2 months payments as usual they say i owe XXXX on each month and after i did the math on this they are adding a late charge in to this amount. they admitted the last time we talked on the phone that they had made a mistake and posted one of our payments to all principle and they would not take the late fee off even though it was their mistake. we have also sent the difference for the escrow amount in to them already. I also have paid for XXXX . and XXXX payment.
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| 06/14/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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RE : Loan with Statebridge Company # XXXX The above mentioned loan was in the name of XXXX XXXX, my mother. I, XXXX XXXX, was trying to payoff her bills, because of her XXXX and later her death. I was never on this loan. The beneficiary of this loan was a XXXX XXXX with XXXX children named. I being the XXXX was paying my deceased mother 's debt, which included the above referenced loan. The XXXX mortgage that I was paying was with XXXX XXXX, which I always paid on time. Then, XXXX XXXX sold the loan to XXXX XXXX, again with no problems and always on time. In XXXX 2015, XXXX XXXX sold the loan to Statebridge Company, and here is where it gets crazy. First there was a credit on my account saying that I overpaid. Then in XXXX I sent Statebridge a payment of {$1200.00}, in which, Statebridge returned the check a month later, but I had already sent out XX/XX/XXXX 's payment. I called XXXX XXXX numerous times, but NEVER received a response from her. Finally, I contacted Statebridge and spoke to someone else, who informed me that the loan matured and the total amount was due. When I asked for some help to resolve this, Statebridge flat out refused to help me, stating that my name was not on the loan. So then, I was forced to get a loan, in my name, with XXXX XXXX XXXX to pay off my mother 's loan. After I received the payoff letter, XXXX turned around and recorded on the credit bureaus, that XXXX XXXX was in default of XXXX months, on a loan that was in XXXX XXXX ' name. Also, XXXX told us that we could go online to file under loss mitigation, when in fact, there is no such place on their website to file such reports or complaints. Because of Statebridge 's falsely stating that XXXX XXXX is in default, XXXX XXXX XXXX is stating that my loan with them is fraudulent and is now being investigated.
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| 01/28/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This Statebridge XXXX has hired an attorney to foreclose on my home even though they have a XXXX mortgage and I have a first mortgage. I talked to someone this week by calling myself as I received a letter from their attorney that stated if I want to try to resolve this to call their number at Statebridge. The lady I talked to was very helpful told me to send my first mortgage statement to loss XXXX and that I want to request a loan modification. Which I did XXXX days and had no reply so I then called. I spoke with XXXX was contradicted himself several times as I am sure the call can be pulled and verified then he stated XXXX is my rep and would call me back after the investor reviewed it and would probably be next week. Now XXXX calls today and he stated he was told to call me so I am assuming he has information for me as XXXX stated nope so I had to tell everything again and he states he does not see my email even though XXXX did say he seen it in the system with my first mortgage statement attached and there is nothing they can do even me telling him what the attorney letter said to call them for a modification plan. XXXX also stated back in the summer they called me every day with a blast campaign which is untrue or if they did call no messages were left and I would like to see proof of where they called me every day and left a message This company all XXXX people told me something different no one knows the same thing so I do not know what to do or believe. XXXX finally gave me the attorney phone number to call and said they would have to help me but XXXX states they would not help me and would refer me to them. This is ridiculous that no one will help try to resolve. Still today if I had not called NO ONE has tried to call me and has had a conversation with me at all.
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| 04/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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COMPANY 'S INTERIM RESPONSE Additional time needed Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We Are Here to Help You If you need assistance, contact us immediately at : XXXX It is critical that you work with us on a resolution for any issues that affect your ability to make timely mortgage payments, whether your challenges are temporary or long term. The sooner you respond, the more quickly we can determine whether you qualify for assistance. Options May Be Available The right option for you depends on your individual circumstances. If you provide all required information and documentation about your situation, we can determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your home ( refinance, repayment, forbearance, loan modification ) or leave your home while avoiding foreclosure ( short sale or deed-in-lieu of foreclosure ). For more details, please see the attachment on Avoiding Foreclosure. Send Us the Information We Need to Help You Requesting help is the first step. Start by providing information and documentation to help us understand the challenges you are facing. To do this, follow the detailed instructions on the attached Homeowner Checklist to complete and submit your Borrower Response Package to us. Once we have received and evaluated your information, we will contact you regarding your options and next steps. Learn More and Act Now For more information, please see the Frequently Asked Questions and other information provided with this letter. If you need assistance, contact our customer support team at XXXX. Sincerely, Loss Mitigation Statebridge Company, LLC NMLS ID # XXXX this is what has happened. They sent application.
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| 11/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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My mortgage was sold from XXXX XXXX to Statebridge Company earlier this year. This is by far the most unprofessional company I have ever had to deal with. I was charged a late fee of {$45.00} for my XX/XX/XXXX payment as I had paid it electronically from my XXXX account to them directly on XX/XX/XXXX. Because Statebridge does not allow for electronic payments from a financial institution, the very unprofessional customer service person I spoke with informed me they did not receive my payment from XXXX until XX/XX/XXXX. He said they do not refund late fees because customers do not mail them in on time. He also stated that if I did n't like it I was free to refinance my loan with someone else.
What frustrates me even MORE is that for me to make a payment with extra principal, I have to make that payment via SNAILMAIL or pay it online through Statebridge, but they charge me {$5.00} just to make the payment! If I want to make a payment to the customer service dept it costs {$15.00}! Oh and it wo n't show up on the statement that additional principal is being applied. You have to simply assume they did it. There are no documents or records to look at online either.
What XXXX kind of archaic world is Statebridge doing business in?? This is XX/XX/XXXX, almost XX/XX/XXXX and they do not allow their account holders to pay directly online?? Snailmail??? Who XXXX uses snailmail anymore? Why in God 's name did XXXX sell my loan to such a circus of a company? Even their website looks like it was set up by some high school students for a project. Completely unprofessional and hodge podge. The employee also informed me that it would take 3-5 days for me to even SPEAK with a Supervisor or Manager! What the kind of outfit does n't even bother to talk with their clients???
|
| 11/03/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Dear Statebridge, Re : Attached XX/XX/XXXX Response Letter to the CFPB Thank you for the attached XX/XX/XXXX Response Letter to the CFPB.
In the attached response you are advising account number for XXXX XXXX XXXX.
How do you have access to XXXX XXXX XXXX records? Are you the same company? On what document were you relying to provide what you allege is the XXXX XXXX XXXX account number. Please provide a copy of the document ( s ) for our records.
The payment history you enclosed with your XX/XX/XXXX Letter posts late charges and hazard insurance.
Please note that the homeowner 's insurance was in place at all times and never elapsed and your payment history is incorrect and requires immediate correction in compliance to Federal law.
Please provide the applicable law that allows Servicers to charge late fees on deflated loans. Or in the alternative, take immediate corrective action.
As per the attached XXXX XXXX XXXX XXXX Loan Schedule, the XXXX account number posted is neither of the account numbers for Statebridge or XXXX XXXX XXXX you provided in your letter.
Your letter states : Statebridge Loan Number : XXXX XXXX XXXX Loan Number : XXXX As per the attached XXXXXXXX XXXX XXXX XXXX Loan Schedule the allocated purchase price for XXXX account # XXXX is posted as {$330000.00}. As per the attached XXXX IRS FORM 1099-A, XXXX XXXX XXXX posted {$530000.00}. We demand a corrected and/or Void notice for this XXXX IRS FORM 1099A.
Provide the identity of the party and their authorization for you to act as their authorized represenative.
We dispute and deny this debt and proof thereof as per all applicable law including but not limited to FDCPA and RESPA.
Thank you very much for your assistance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 05/15/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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|
Web |
Older American |
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I'd like to sell my house which is currently under the HAMP mortgage program. It's been over 3 years since this mortgage was established. I'm current on all payment and have an good track record with the mortgage company XXXX XXXX XXXX based in Colorado. I owe more on the house than what I can sell if for. I was told when I received the new HAMP mortgage from XXXX ( they subsequently sold it to Statebridge ) that the deferred principle would be forgiven. I discovered this two week ago when I asked for a " payoff '' document. The payoff document said I still owed the entire amount of the XXXX redo mortgage. Statebridge is not responding to my last two email request. Below is information on the PRA statuteCan you help me? - Thank you - XXXX XXXX How the PRA Program Works PRA is a deferred principal reduction program that allows a borrower to earn the principal reduction ( the PRA Forbearance Amount ) over three years. Over the three-year period, one-third of the PRA Forbearance Amount will be forgiven each year ( on the anniversary of the borrower 's first trial modification payment ) until the entire amount is forgiven, as long as the borrower remains in good standing. In this manner, the entire PRA Forbearance Amount is eventually reduced to XXXX. ( If a borrower loses good standing, any reduction in principal that has not already been forgiven is considered a non-interest bearing principal forbearance for the remaining life of the loan which becomes due when the borrower sells, refinances, or at the end of the loan term. ) Borrowers who receive a principal reduction under PRA should consult a tax profession to discuss potential tax implications related to the principal forgiveness.given principle. I recently found a stipulation in HAMP loans.
|
| 01/27/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
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On XX/XX/2021, I submitted a payment to Statebridge ( STATEBRIDGE CO ONLINE PMT XXXX ) in the amount of XXXX. I also called and spoke to XXXX and informed him that I was starting to double up my payments. Moreover, the additional payment should be applied to the principal. He assured me that he would create a " task '' for another team to apply the payment to the principal. On XX/XX/2021, the payment appeared on my account on the Statebridge Company 's website. However, it was identified as an unapplied payment. I contacted Statebridge Company again and spoke with XXXX ( not sure on spelling ). She informed me that she confirmed XXXX 's data entry. But she could not provide any time frame that the amount would be correctly applied to the principal. It has been 5 business days since Statebridge Company acknowledged and recorded my additional payment in their system and has still failed to properly apply to the principal.
Feeling extremely frustrated, I called again and requested a payoff amount. I was informed that I can not request a payoff amount over the phone. I must submit an email. I submitted an email on XX/XX/2021. I received an automating email asking for my account information, payoff date, etc. I responded with all the requested information. I have NOT received my payoff amount as requested.
I am extremely concerned that when I do submit the final payment, that this company will again fail to properly credit my account.
In looking for assistance, I looked for support from the XXXX. When researching this company, they have a D+ rating.
I am confident that there must be many more complaints about Statebridge Company.. With so many complaints, I am not sure why the CFPB has not thoroughly investigated this company.
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| 12/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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In XX/XX/XXXX I received a letter from Statebridge Company ( Lender ) requesting proof of property insurance for my home located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX - Loan Number XXXX. On XX/XX/XXXX I sent proof of insurance for said property, via fax, to the fax number provided by the lender ( XXXX ) Fax receipt shows successful transmission of 3 pages at XXXX and XXXX on XX/XX/XXXX.My home is and has always been insured under a group policy for the XXXX XXXX XXXX XXXX . XXXX through Insurance provider XXXX XXXX XXXX XXXX Policy Number : XXXX.
Statebridge Company sent me my Mortgage Statement ( payment request ) for XX/XX/XXXX on XX/XX/XXXX, one day before the due date. The current mortgage statement shows an increase in monthly payment amount by 33 %. The statement shows an assessment for Forced Placed Insurance when there has never been a necessity, AT ANY TIME, for such insurance. Statebridge has also deposited my XX/XX/XXXX payment but has not credited said payment toward my account, claiming the payment is underfunded. This has caused Statebridge to impose late fees on my account.
I have researched this behavior by Statebridge Company and have found numerous complaints for such. This can not be considered a " error '' as the company 's history clearly indicates this to be a deliberate act of fraud and extortion.
I have, apparently, been assessed for property insurance that was and has been unnecessary. It appears this " Forced Placed Insurance '' scam is still alive and well within Statebridge Company 's practices.
I have copies of Insurance coverage ( past and present ) and fax receipts to prove my case.
I look forward to the assistance of the CFPB in stopping this abuse.
Very Sincerely, XXXX XXXX
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| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I have repeatedly requested clarification from Statebridge Company as to their charging of {$370.00} per month for what they claim to be escrow. Statebridge had been charging me for forced placed insurance since XXXX, according to their response to the CFPB complaint, although I have never been without my own insurance for the property in question. I had faxed proof of insurance to Statebridge, to a fax number they provided but later claimed to not be associated with. The same number ( they claim to have no association ) is currently being used by them so their claim to not have received my faxed insurance docs is false. Statebridge eventually acknowledged receipt of insurance coverage and stated they would be sending a check to me for the fees they wrongly charged. In a conversation with team lead, XXXX, the amount of {$1700.00} was quoted by XXXX to be the amount of the payment they sent on the XXXX of XXXX.
The XXXX and XX/XX/XXXX mortgage statements I have received show an amount of {$5900.00} ( approximately ) as the current balance of my escrow account. This amount is in excess of the amount needed to cover my property tax for the entire year. Although my escrow balance is approximately {$1700.00} more than needed to pay my taxes for the year, Statebridge continues to assess me {$370.00} for taxes ( funding the escrow account ). The {$1700.00} payment claimed, by XXXX, to have been sent to me on XX/XX/XXXX has still not been received.
On XX/XX/XXXX, I received an email from Statebridge Team Lead, XXXX XXXX, claiming to have forwarded my inquiry regarding the escrow charge and missing payment of {$1700.00}. To date, I still have not received the payment or an explanation for the {$370.00} monthly escrow charges.
|
| 03/07/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I had a loan that was being serviced by Statebridge, Inc.
The initial loan amount was {$100000.00}. The monthly interest on the loan was approximately {$250.00}. Each month I sent a check for {$400.00}.
Per the terms of the loan, the extra funds should have been applied to the principal, however it appears that the extra funds were NOT applied to the principal.
I recently paid off the remaining balance of the loan. The payoff amount should have been approximately in the mid $ XXXX range. However, the mortgage company stated that the payoff amount was {$91000.00}. It appears that since the servicing company did not correctly apply my funds to the principal, I was overcharged several thousand dollars to payoff the loan.
Additionally, on two occasions Statebridge erroneously reported that my account was delinquent to all three credit bureaus : XXXX, XXXX and XXXX. This severely damaged my previously high credit rating by dropping it approximately XXXX points. This, in turn, impacted my ability to refinance other mortgages and other credit-dependent activities. Again, this happened TWICE.
I have been trying to get Statebridge to cooperate on this investigation but they have been extremely slow and in providing assistance and follow-up.
This loan was originally financed by XXXX in XX/XX/XXXX It was then transferred to Statebridge in XX/XX/XXXX.
It was then transferred to XXXX XXXX in XX/XX/XXXX with whom I made the final payoff.
XXXX XXXX was closed in XX/XX/XXXX. I therefore have not been able to obtain detailed transaction calculations from them.
Statebridge is still around and definitely incorrectly calculated my payments.
XXXX only serviced the loan for 2-3 months before I paid it off.
|
| 09/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
XX/XX/XXXX I purchased my townhome and had my mortage with XXXX, XX/XX/XXXX I received a letter from XXXX stating that my mortage was now with Statebridge, also the stated that everything would stay the same in the transfer. My escrow paid my taxes, house insurance and a bond that stays with the house for the Water and Wastewater facilities installation in the amount of {$300.00} a year. XX/XX/XXXX I received a bill from XXXX XXXX stating that my {$300.00} had not been paid for XX/XX/XXXX or for XX/XX/XXXX, I faxed a copy of my bill to Statebridge in XX/XX/XXXX andXX/XX/XXXX asking them to pay this bond. I never received any information from Statebridge, I then emailed them again inXX/XX/XXXX and they keep stating that this is a water bill and they do n't pay water bills. I have been trying to explain to them and I still have not received any information from them. I again called Statebridge on XX/XX/XXXX XXXX, XXXX,XX/XX/XXXX and XXXX, I still have not received an answer from them, I spoke to four of Statebridge representative but they had no answers or information only stating that it has been sent forward and that I should hear something within 5 days, I am still waiting. This account has a fee of XXXX added for late payment and sent to XXXX XXXX XXXX XXXX, PA, I feel that I should at the very least receive a call back or email from Statebridge as to what is happening, in order to avoid a Intent to File Lien I have sent {$300.00} and will pay {$100.00} a month until this amount of {$640.00} is paid, thank you for any help or advice you can provide, I am retired now after 40 years with the federal government so this money is a big part of my monthly spending, thanks, XXXX XXXX
|
| 05/18/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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XX/XX/XXXX Statebridge Company took over loan servicing for my non performing HELOC.
XX/XX/XXXX I sent a letter requesting a payoff amount for this loan as I had been trying to obtain one from the last servicer to no avail. There was no response from Statebridge.
XX/XX/XXXX I sent another payoff request letter per Priority Mail ( Exhibit A ). Still no response from Statebridge.
XX/XX/XXXX I sent a 3rd payoff request certified mail ( Exhibit B ). No Response from Statebridge.
XX/XX/XXXX I sent a 4th payoff request via XXXX Signature required ( Exhibit C ). One week later I finally received the payoff amount in a letter they dated XX/XX/XXXX but did not get sent out till XX/XX/XXXX.
The payoff amount is grossly incorrect and I sent a letter in XX/XX/XXXX requesting a detailed accounting of how they came up with this amount of interest due. On XX/XX/XXXX Statebridge responded needing more time.
XX/XX/XXXX I received the detailed accounting which as you can see that pages 5 & 6 are blank where the monthly principal balance and interest should be. Also, the blank monthly entries stop at XX/XX/XXXX even though they are charging me for the interest due into XX/XX/XXXX. Needless to say, I can not get this to a forensic accountant with blank amounts. XX/XX/XXXX I sent a 2nd request for detailed accounting of this payoff amount via certified letter which was received per USPS ( Exhibit D ). To this day, I am still trying to obtain this detailed accounting from them. I have spoken with their loss mitigation office twice and they just say they are looking into it.
In the meantime, they have filed to Foreclose on my home. I can not payoff a loan when I do not have an accurate payoff.
|
| 11/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I 've been dealing with an impending foreclosure by a bank that has not at all been willing to work with me, fudging the numbers to make it look like I can not afford my home and exaggerating the modification amount so I wo n't qualify. I have equity in the property. They are saying that the loan to value ratio is too high and if it is more than 70 %, they will not modify. This is not the case at this point in time. They 've been going forward with the foreclosure while I 've continued to submit modification documents several times. We now have an auction date of XX/XX/XXXX.
I am a single mom, XXXX, trying to modify or at least stay in this house for another year, or at least until next fall when my daughter enters college. My attorney has informed me that his firm is usually able to work something out with the various banks, but my bank just wo n't budge, even though I earn enough money in XXXX paycheck to pay the mortgage.
At one point, the bank sent my check back to me stating that if I could n't bring the balance current then they did n't want my check. I never missed a payment, but was about {$300.00} short every month as the crash of XXXX negatively effected my income, leaving scarce work, but it was temporary. We had an agreement but the the mortgage was sold off and my options became slim at best.
Most recently, I received a letter saying that my home was going to be sold at auction on XX/XX/XXXX, right before the holidays. My attorney has been able to defend me and buy me some time but I need more time or a chance at a fair modification. He tells me this particular group are very shrewd and take advantage of people in my situation for profit. Please help!
|
| 01/03/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I experienced job loss, divorce, and a death in my family that contributed to my hardship, and the necessity of requesting a mortgage modification. I contacted a HUD approved counseling agency to help facilitate the mortgage modification process and at this point we are at a stalemate with StateBridge mortgage loan servicing company. My mortgage was sold to StateBridge over XXXX year ago, I have been in the process of trying to modify my mortgage throughout this entire time. Before StateBridge, purchased my mortgage it was with XXXX mortgage loan servicing company, we were at the final stages of reaching a modification when my mortgage was sold to StateBridge. My taxes and insurance were escrowed with XXXX and It was my understanding that the same would be true when StateBridge started servicing my mortgage. I had homeowner 's insurance through XXXX and StateBridge put forced-placed insurance on my property during the time my policy was still active with XXXX. My XXXX policy was not paid through escrow as a result my policy lapsed. StateBridge is requesting that I reinstate my homeowner 's insurance policy to approve my mortgage modification, however XXXX will not reinstate the policy without proof of insurance from StateBridge. StateBridge will not provide proof of insurance for the force placed insurance. We are at a complete stalemate at this point. StateBridge has made several errors reporting this loan to the credit bureaus and were forced to delete this loan from my credit report. It is my belief that this loan is predatory in nature, and I am requesting a fair loan modification based on the low loan balance, high interest rate, and the value of the property.
|
| 03/30/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
For approximately the past two years I have repeatedly received maik from a company named Statebridge, which I believe is a collection agency. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Upon receiving early communications from this company, in XXXX or XXXX, I was informed they were attempting to collect a debt stemming from a second mortgage. That debt was approximately {$50000.00}. I informed them that the debt was dismissed in Federal Bankruptcy Court proceedings finalized in XXXX of XXXX.
Recently I received a written communication from a XXXX XXXX XXXX regarding the same debt, which was now listed at approximately {$70000.00}. That law firm XXXX XXXX and XXXX allowed me a specific time frame to notify them if I agreed with the debt or not. Their business address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded within the allowed time frame to inform them I did not agree with the debt.
I have provided both companies with the attorneys name, address, and phone number who represented me during the filing of my bankruptcy. Recently, XX/XX/XXXX, I contacted that attorney, whose name is XXXX XXXX and informed her of what had been transpiring regarding my former second mortgage. She instructed me to inform any party attempting to collect the debt that they are to cease and desist due to the debt being dismissed in XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these frivolous collections attempts and harassing comminications to stop indefinitely. I have done my part to provide them with the necessary information required but they seem to ignore it.
|
| 09/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, AZ XXXXXX/XX/XXXXI am writing to seek your help with a Mortgage Creditor XXXX Statebridge XXXX that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a XXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' ..
Now in hopes of regaining our once impeccable credit and meeting all of our financial obligations for nearly 7 years, we request them to report payment history. No avail. We sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus.Again no avail. On phone calls, they simply state that they will " NEVER '' report our account to the bureaus.
My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules.
This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We ask that you assist us with this matter. Below is the Company/Account information.
Statebridge Company - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX # XXXX : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX / Loan # XXXXThank you sincerely, XXXX and XXXX XXXXXXXXXXXX : Final XXXX
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| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Older American |
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My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Recently, I applied to refinance one of our properties and your name was listed with derogatory payment history.
After calling your polite agent, she informed me that the account number XXXX was listed under my social security number ; last four digits XXXX with XXXX XXXX and XXXX XXXX as the account holders. I have a son XXXX but we live here in California.
The address in question is XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and the purchase price was {$580000.00}. I am notifying State Bridge of this fraud and would like to file a fraud case against this file, the people living at the address or anyone who was part of this transaction. I have never owned, applied or filed for a loan for that property or any property in New York or anywhere outside of California with State Bridge Company, LLC or any other company.
What are my next steps? What are your procedures in handling this fraudulent account? I understand the loan was passed to XXXX XXXX in XXXX, so they are next on my list to contact. State Bridge, however, initiated the loan in XXXX of XXXX and so I am starting with that company as they are the responsible party of the initial fraud. I would like to know the loan officers name who authorized and approved the loan and what means of identification were used to obtain the loan?
I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please contact as soon as possible as to your intentions. A police report has been filed in my city of XXXX, California. This has caused me hundreds of thousands of dollars in higher interest, insurance fees and denials of loans.
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| 02/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I contacted Statebridge Company customer service to request the force-placed insurance they incorrectly put on my mortgage be removed and a refund made for all premiums paid for the force-placed insurance. Statebridge Company did not honor my request, and during the course of making multiple follow up calls to resolve the matter, I was given the runaround as to customer service claiming they did not receive requested documents, asking for the same documents multiple times, continually adding requirements to process my request, making claims they knew nothing about previous calls, etc. On XX/XX/XXXX I sent a letter to Statebridge Company via certified mail demanding their compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 ) to have the insurance canceled and a refund made to me within 15 days. Statebridge Company received this letter on XX/XX/XXXX and subsequently canceled the force-placed insurance as indicated in a letter I received from them dated XX/XX/XXXX. However as of XX/XX/XXXX, Statebridge Company has not issued a refund and multiple follow up calls had resulted in getting more of the same runaround -- receiving conflicting information, being passed from department to department, adding requirements to process the refund, etc. Statebridge Company is not in compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 ) and must act immediately to process my refund to comply with CFPB obligations. If their compliance requires CFPB intervention, any assistance would be greatly appreciated. Statebridge Company is located in XXXX, Colo. Their NMLS ID no. is XXXX.
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| 03/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We took out a second in XXXX for {$35000.00}. On XX/XX/XXXX we entered into a loan modification, we paid what they asked amounting to over {$9000.00} and they never modifidied the loan. We continues making payments from XX/XX/XXXX thru XX/XX/XXXX, at that time they sent our payment back and would accept I tried to contact them several times thru phone calls and letters, they never responded. The company at that time was XXXX XXXX. Over the past years since then I have tried to contact the servicer with no response from them. On XX/XX/XXXX we recieved Notice of intent to accelerate for the amount of {$74000.00} from a new servicer Statebridge. The principle balance is $ XXXX XXXX XXXX they filed for forclosure. I started working with Iowa Mortgage Help, I don't remember the exact date. They referred me to Iowa Legal Aid they where able to stop the foerclosure for now.
on XXXX XXXX we recieved a loan modification and a short payoff. The payoff was for {$80.00}. The modification was for {$10000.00} payment to do the loan, then {$60.00} at 10 % for 40 years. I called Statebridge to ask about the amounts and they could not give me answers that made sense. Statebridge sent another loan modification on XXXX XXXX. The same amounts just with interest not starting 6 months before the loan started. Iowa Legal aid sent it to the Attorney Generals office and the are now investigating the loan, they call it a XXXX loan. Iowa Mortgage Help advised me to file a complaint with this agencies as well. I am attatching the last two modifications from Statebridge. I do have all documents pertaining to this loan if you need more.
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| 03/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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We fell behind in our payments a while back because our income had been reduced, due to the vacancy of the first floor that we rent out, hereby losing some rental income, and also I was sick for a few months and could not do much work.
We applied for a modification and discovered a few days ago that we have been denied. The reasons stated were misleading, lies and misrepresentions of the facts. One reason is that we earn over {$10000.00} monthly, THAT IS A LIE! OUR TOTAL GROSS INCOME IS {$6900.00} monthly! They deliberately misrepresented my income from my XXXX business, saying I earn more than I do, because they choose to not factor in my operating expenses. They used my gross RECEIPTS as gross income and thats incorrect. If I do not pay my XXXX XXXX payment, XXXX insurance, maintain the XXXX, or purchase XXXX for the XXXX, how can I earn money???? So then, how are they going to ignore the operating expenses of my business and count it as gross income! Gross Income is what Im left with after my operating expenses!
Also, the denial letter said we did not show proof we had a down payment of {$25000.00} on the modification. First of all, they had NEVER asked if we could show proof of {$25000.00}. The denial letter was the FIRST time we heard about that. How can they deny us for not providing something they never asked us to provide? Also, why are we asked to put a down payment of such a high amount???
We feel the bank is making it very difficult for us because they realize that we owe less than thr value of the house and they REALLY want to take the house.
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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The last XXXX months I have had issue with Statebridge Company, XXXX receiving my mortgage payment in a timely fashion. Once I even sent it XXXX day priority mail and it did not show up until the XX/XX/XXXX. This month I sent it with enough time to be received and to date they have not processed the payment. I believe they are trying to gain late fees on my account along with the others that I see in the list of complaints against them. They told me they can not guess what the post office will do but going from XXXX to XXXX CO should not take 9 days. I believe they are sitting on payments and only processing them when someone calls them to complain. This is not good customer service and I can tell you that they do not care. I know this based on the last conversation that I had with the young lady. She said why did you not mail it on the first, I stated I had to wait on my payday and she said well you need to give XXXX business days for us to receive it so if I get paid on the XX/XX/XXXX and mail on the XX/XX/XXXX then I will be late because XXXX business days is around the XX/XX/XXXX of the month. That is not an acceptable answer and surely they have enough people to process the loans that they have purchased from other financial institutions. I tried for a week to contact them to set up ACH and could not even reach a customer service XXXX Now I want to refinance and know the value of my home is not in a position that I can do that. So frustrating to deal with incompetence and them to tell you its the postal service does not work for me.
|
| 05/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Regarding Statebridge Company - My mortgage was sold to Statebridge a few years ago. Since online payments can not be processed without a fee, I have set up automatic payments through XXXX Bill Pay - these payments occur automatically monthly. My XX/XX/2019 payment ( sent on XX/XX/2019 XXXX XXXX EST ) was rejected because, apparently, Statebridge changed their mailing address and they therefore were not able to received my timely payment. This rejection only showed on my XXXX account on XX/XX/2019 XXXX XXXX EDT.
I received a few phone calls from Statebridge to my home - they called in XX/XX/XXXX to tell me of this error and that they will waive any late fee and will not report to the credit agencies due to their error. In addition - I received a letter stating the same. I subsequently made two payments to Statebridge as my XX/XX/XXXX payment was already due - the payments were sent on XX/XX/2019 XXXX XXXX EDT and they arrived to Statebridge on XX/XX/2019 XXXX XXXX EDT.
On XX/XX/XXXX - I sent my XX/XX/XXXX payment which arrived XX/XX/2019 XXXX XXXX EDT.
On XX/XX/XXXX - I received a credit alert stating that I have a " new alert '' - " Missed payment - Statebridge Company ''. My first ever missed payment on my credit report AND I DID NOT MISS ANY PAYMENTS!!!!
I have had many issues in the past with Statebridge but this one is absolutely unacceptable.
I demand the Government take action to shut down this scam company! The reports online are clear evidence that they must be shut down immediately before causing more financial ruin!
|
| 10/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have a mortgage that was with XXXX XXXX for years, The bank was sold to XXXX XXXX in XXXX 2015, XXXX sold my mortgage to STATEBRIDGE LLC. XXXX 2015. I had a bankruptcy chap. XXXX, but never had any lates on my mortgage the mortgage was always paid on time and current, still is current. I have not received a coupon book, I called and was informed by XXXX that my mortgage was late?? My monthly P & I is {$830.00} plus tax escrow total pymt {$1100.00}, they took the {$1100.00} as P & I and added taxes to it making my pymt {$1400.00}, I tried to tell her that was incorrect. I faxed and mailed my note, mortgage, history and cancelled checks to show my loan amount, payment amount, and proof that the loan was current. I have called several times, wrote letters, emailed and faxed NO REPLY and I was told they cant talk to me. All I need if for this to be straightened out, my XXXX qtr taxes and XXXX qtr taxes have not been paid by them the money is in my escorw, I had to pay the XXXX qtr out of my savings so the taxes would not be late. All I want is for them to correct my account reflecting the correct payment amount, send me a coupon book and for them to pay my taxes on time. I have all documentation to prove my loan is current and what the payment is. Can you help. I really feel this company is trying to make my loan appear late so they can foreclose, I talked to another person who is having the exact same issue with this company. I need help resolving this matter and not getting any response from this company what so ever.
|
| 08/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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On XXXX XXXX We sent Statebridge Company {$1500.00} in certified funds. We sent the payment XXXX and Statebridge received and signed for the funds on XXXX XXXX at XXXX. On XXXX XXXX, 2015 i contacted Statebridge via a phone call. The customer represenative said they did not receive payment and have no record of any payment. The representative said she refused to speak with me unless I rescinded a Cease and Desist order they received XXXX XXXX I faxed them a letter on XXXX XXXX, 2015 rescinding the Cease and Desist Order. I called Statebridge again on XXXX XXXX, 2015 and the representative indicated they did receive the rescinded a Cease and Desist Order. The representative once again denied receiving the payment. I reminded her that The Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account.
We have been charged additional interest on our account because of Statebridges violation of the CFPB rules by not crediting the consumers account
|
| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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My mortgage was sold to XXXX XXXX XXXX and is serviced by Statebridge Mortgage in Colorado. Since my mortgage was sold to them I have had repeated issues with getting my escrow payments made. My first property tax payment ( XXXX 2015 ) was n't paid until I called Statebridge and asked why they had n't made the payment. Payment was finally made after I notified them. The second issue I had was XXXX 2015 when they did n't pay harzard insurance. My insurance agent contacted me and notified me that my property taxes were never paid even though the statement was sent to statebridge. The insurance policy went past due and would have lapsed if I did n't act quickly. In XXXX 2015, I was trying to get a home equity loan and was notified that they had n't paid my property taxes again. I contacted people at statebridge and was told it would be taken care of on XXXX/XXXX/15 on XXXX/XXXX/15 I faxed my property tax statement to them with my loan number on it. I have confirmation it was received by them. I emailed XXXX different reps XXXX XXXX and XXXX house at statebridge and as of XXXX/XXXX/15 nothing has even been started. I emailed my property tax statement to a new rep XXXX XXXX and she seems like she may get something done but as of now I 'm waiting.
I was told that I refinancing is the only way I can get out of statebridge. I do n't want to refinance because I paid the PMI insurance upfront and I would lose that policy if I refinanced. I would also incur fees and probably a higher interest rate to refinance my mortgage.
|
| 05/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Im reporting a company called Statebridge. Around XXXX, I had filed XXXX I was past due on mortgage payments and credit card-. I successfully finished the bankruptcy as of XXXX. Statebridge reps continued to say they never got the money from the courts and I still owed them what I paid in bankruptcy. Im XXXX, they refused my monthly payments and sent me back my checks. The customer service reps would hang up on me and laughed. They said I owed money from XXXX and tried to extort the same amount I paid in bankruptcy. They said if you pay XXXX XXXX we will accept your monthly payments. I reached out to the trustee and judge who set up the monthly payments that were paid in bankruptcy and said state bridge is indicating they did not receive the funds- I have the email. They were trying to extort money and told me to contact their lawyer and said I was in foreclosure in XXXX. They were trying to scam me out of more money and should be brought to justice. They lied and fraudulently increased the amount of my loan as well. I told them I was taking them to court for extortion. Now they are suing me for the amount that is past due since XX/XX/2020. I feel they set me up and scammed me. They violated XXXX XXXX XXXX and should be liable for extortion and fraud. I have an attorney and trying to sue state bridge. Last XXXX, they sold my loan to XXXXXXXX XXXX XXXX They have my loan amount incorrect. I want a full audit and investigation on my loan and Attorney XXXX XXXX who is a scammer and sued for extortion.
Thank you
|
| 03/11/2016 |
No |
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- Loan modification,collection,foreclosure
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|
Web |
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This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment.
Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ...
Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues.
|
| 01/04/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
|
|
The servicer for my second mortgage is claiming that they are still going to report a 30 day late ( previously a 60 day late that they did fix on my credit report ) for a late payment that was due XX/XX/2020 and not paid until XX/XX/XXXX. This payment was not able to be made due to the co-borrower on the loan being locked out of being able to pay though the online website, unable to have anyone from Statebridge answer the phone, and past payments being lost by Statebridge. When the co-borrower tried to have this resolved and was able to actually have someone from Statebridge answer the phone they stated to her, that they would not be able to help her because she was " not on the loan ''. This was only resolved months later when they put the co-borrower on the mortgage in their system as a co-borrower. She made every attempt to pay - frantically called with no one answering, locked out of the website, emailed, and was told she was not on the loan and could not pay over the phone. Sending in the check would not have helped because of Statebridge losing payments, only correcting the matter over a year later with Statebridge refunding the late charges of receiving a " late payment '' that was, in fact, not late but lost by this company. Every attempt was made to make the payment, but it was either impossible or rejected by Statebridge, none of which is the fault of myself or the co-borrower so it should not reflect on either of our credit reports and needs to be corrected by Statebridge.
|
| 01/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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|
|
Web |
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My husband and I refinanced my mortgage in XXXX from Statebridge Co to XXXX. We were owed around {$2600.00} from our escrow with Statebridge. They dispersed a check for the correct amount around the first of XXXX which we received. However, I accidentally threw the check away when paying bills.
I contacted Statebridge on XX/XX/XXXX when I noticed I couldn't find the check, I spoke with XXXX. I explained the situation and asked them to cancel the previous check and reissue another one. XXXX stated she left a message for the finance department and it could take up to 3 weeks.
On XX/XX/XXXX after not receiving a check or any communication from Statebridge I called back and again spoke with XXXX. She stated it appeared no one had addressed the issue. She placed me on hold and spoke with a manager. She then told me another message was sent to the finance department and to call back the next day. I waited until XXXX to call again to check the status and again some with XXXX. She again stated there wad nothing noted and she would try to speak to her manager again. After several mintues on hold she started she would need to call me back.
As of this date, XX/XX/XXXX I had not heard back. My husband called and stated again nothing had been addressed by the finance department and another note would be sent.
I am obviously willing to pay any cancellation fee they may be charged but after a month and a half with no information as to any steps to resolve I am not sure what else to do.
|
| 10/27/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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I have not received monthly statements on my open-end mortgage/HELOC that is currently being serviced by Statebridge since XXXX of XXXX. On XX/XX/XXXX, I requested a copy of the Note via a request for information. The Note was not provided in the company 's response.
There was a delinquency on the account but, in XXXX of XXXX, my loan was reinstated via PAHAF funds. The good-through date on the reinstatement was XX/XX/XXXX. As of that date, I began calling Statebridge, the servicer, to request monthly statements and to request the ongoing amount owed and the date that I would need to make payments. On XX/XX/XXXX, I was informed by a representative named XXXX in the loss mitigation department that there is a cease and desist status associated with my account and that I needed to follow up with a representative named XXXX. As an aside, I have probably called Statebridge 15x in the past year and have always been referred to XXXX and have only been able reach him one time. Since the XX/XX/XXXX call, I have tried to follow up with him numerous times and received no response. I was told that my ongoing P & I payment is $ XXXX, but I do not know the interest rate, as I have never been given the Note. I asked for a copy of the Note again via Request for Information sent on XX/XX/XXXX and have not yet received a response. In that same RFI/NOE, I requested to receive monthly statements, as there will be no way for me to keep track of the loan without the Note and the statements.
|
| 07/18/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Our mortgage has recently been transferred to a scumbag servicer called Statebridge Company. Our mortgage was paid up with a perfect record prior to these people showing up. We had our payment automatically transferred every month from our checking account to the previous servicer, XXXX. There were no problems once they got their act ironed out.
I have tried to work with Statebridge Co several times and keep getting told that their are fees associated with doing business with them. These XXXX want a XXXX dollar fee for me to pay a XXXX dollar mortgage payment. Yes I did not mis type that.
Furthermore, the agent I just talked to, advised me that there was a balance of XXXX dollars on my account. That is impossible as I am only 2 or 3 payments behind. How do they get XXXX dollars when it should XXXX. The agent then tells me that a XXXX dollar fee was attached by XXXX. That has to be a lie. The mortgage was paid up and current when these XXXX XXXX took it over.
When I asked for a supervisor, I was told by the XXXX agent, who clearly had no concern for my issue, that a supervisor was not available.
What is most concerning is that this outfit has me 2 or 3 payments behind by their own act. I tend to believe that they are set up to use foreclosure to steal property from the public.
Please assist me with getting my mortgage straightened out. I am on a limited income and can not afford to toss money around to every mortgage XXXX that shows up on my phone line.
|
| 08/28/2018 |
No |
|
- Trouble during payment process
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|
Web |
Servicemember |
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I made arrangement to pay Statebridge Mortgage HOA fees they paid on my behalf in XX/XX/2018.
Had a payment plan with them to pay XXXX XXXX monthly.
The first month it was due was XX/XX/2018. I sent a check, but unfortunately I wrote {$24.00} in the check box. The correct amount of {$2400.00} was written out.
Statebridge returned check. I sent a money order. For Two months I sent them my payments.
In XX/XX/XXXX they sent a mortgage statement saying I owed {$10000.00}. I called. They said the payment plan was canceled because the 1st payment got to them late. They never called to say the plan was cancelled. The account was under Loss Mitigation.
They held on to the money order, the 2 checks, then referred it to an attorney almost 4 months after.
The check they returned could have been cashed because once the correct amount is written its acceptable.
I now racked up attorney fees because of their underhanded tactics.
As of 2 weeks ago I paid them over {$14000.00}.
I would like to file this complaint because Im sick of the illegal tactics being used by these companies & they being allowed to get away with it.
I would therefore like to regain the attorneys fees I paid.
To understand how they operate, every week at a total of about 3 calls a week, some rep called asking about how I intend to pay. Its like the left hand didnt know what the right was doing. They never had it in their records that it was referred to an attorney.
|
| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Due to covid i got behind on my second mortgage, it went into foreclosure because I was denied a mortification. I made an offer to settle the loan and was turned down. Now I've paid the account to get it paid up and try and pay it off quickly, now they have added fees and per diem which I'm not sure what for. They have repeatedly hung up or got " disconnected '', the loan officer was repeated rude and acted like i was bothering hime when ive asked for him to explain where the " fees '' came from, he said that the attorneys will have their own fees too, XXXX?? Can mortgage companies just add whatever fee they want we have to pay? When I've tried to make a payment online their system would not let me, when I called to make a payment they wouldn't take it. I've requested a pay off amount and the loan officer said he couldn't give that to me until they added the fees to it. this loan was for {$15000.00} and I've paid over {$36000.00} not including the {$14000.00} they say I still owe. This loan was made in 2008, when I called to refinance the loan several years ago they told me they don't do those types of loans. The interest rate is 14 % which I've read that in 2008 they consider some of these loans predatory. Now they have reported on my credit and basically destroyed my chance to refinance my primary mortgage.
I wasn't sure if there is some legal action I could take.
the company is Statebridge Mortgage out of Colorado
|
| 03/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Dear Sir/Madam, I would like to bring to your attention the following ; I have a mortgage loan which was acquired by the Statebridge Company from XXXX XXXX a few years ago. While with XXXX XXXX I have incurred some late fees. These fees were transferred in this acquisition to the Statebridge Company, but not incurred while with the Statebridge Company. I have NEVER incurred late fees while with the Statebridge Company. Recently, I have noticed in my billing statements, a notice stating that my mortgage payments will not be applied to my principle amount until those late fees are paid up to date. I never agreed nor signed anything giving the Statebridge Company permission to do this. I find this unacceptable since monies not being applied to my principle causes the Statebridge Company to gain more interest, since interest is compounded on its principle amount daily. I have had to write several complaints about the Statebridge Company so, I did a search and saw several others had similar complaints with Statebridge in the past. While I understand that the Statebridge Company would like to collect those fees at its earliest, I dont understand how they feel they can rewrite or churn my loan agreement at their convenience. Therefore, I will be sending out several letters to several entities as to this practice from the Statebridge Company. Please look into this and let me know of your findings.
Sincerely, XXXX XXXX XXXX
|
| 06/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Statebridge LLC a pproved a HAMP modification on my property in XXXX , XXXX . During the trial period, which extended from XXXX - XXXX of XXXX , I paid about {$3000.00} per month. After completing the trial period, a final modification was approved and a lower payment, just over {$2500.00}, was offered by Statebridge, beginning XXXX XXXX . I made regular on-time payments to Statebridge th rough XXXX , XXXX , when my loan servicing was transferred to another servicer, XXXX XXXX . Recently, XXXX notified me of an escrow account shortfall of almost {$10000.00}, and an increase in my payment from {$2500.00} to {$3800.00} to cover the shortfall. This shortfall was caused by a critical mist ake Statebridge made in calculating my approved HAMP payment. Statebridge counted only 50 % of my annual property tax, thus creating a systematic shortfall. Since I never received a single bill or statement of any kind from Statebridge, I was completely unaware of this problem until now.
This is the second complaint I have made about Statebridge to CFPB. The first was resolved by CFPB when Statebridge admitted failing to apply a timely payment and claimed to be working directly with XXXX to correct my payment record, however XXXX had heard nothing from Statebridge. I am requesting additional followup on the earlier complaint as well as this new complaint to ensure that Statebridge follows through.
|
| 05/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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this is a formal complaint against Statebridge Company LLC- This Company was our mortgage Company from XXXX XXXX to XXXX XXXX. This Company has been negligent and irresponsible in paying our School Taxes for the entire Tax period from XX/XX/XXXX-XX/XX/XXXX and School Taxes for the second half of XX/XX/XXXX. They have also failed to pay the General Taxes for the second half of the year XX/XX/XXXX.This resulted in a lien against my property for {$14000.00}. The current Loan servicer ( XXXX XXXX XXXX ) which took over our mortgage in XXXX XXXX took our {$14000.00} from our escrow payed off the lien that this negligent company caused and then started out paying our taxes giving us a negative escrow from jump. A claim was filed with consumer finance against XXXX XXXX XXXX under ( COMPLAINT # XXXX ) - so this is a follow -up complaint to get the right party in the mix. We will be providing you with all the documents that was initiated from XXXX. This Statebridge Bank is despicable and have caused us great harm and XXXX. We would like to see Statebridge reimburse the amount of the lien so that we can move on with our lives. I am not about to lose my home because of the negligence of Statebridge Bank. Please cross-reference CFPB CASE # XXXX WHERE THERE IS A COMPLAINT AGAINST XXXX. Please note that this is all interrelated so please be mindful of that .I will be sending all correspondences to your office by mail shortly.
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| 07/25/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I do not know what to do, as Statebridge Company will not respond to the RESPA 'Fully-Qualified Written Requests ' that I have sent ( in the same envelope as monthly payments. ) I had a XXXX credit score a nd took out a loan to buy a house ( XXXX XXXX al ). I also took out a HELOC ( XXXX XXXX . ) I never missed a payment until just before I was supposed to receive a promotional {$5000.00} for not missing a payment for five years. My loan was suddenly not online and in-branch, they could't find any information. Statebridge Company never notified us that they were our new " Lender, '' but credit alerts showed a derogatory account. I called Statebridge and they told me that I was in pre-foreclosure, and that there 's nothing that we ca n do. They registered us with a property management company- XXXX XXXX XXXX - w ho trespasses and registered us in a 'foreclosed property ' database, meant to reduce blight i n XXXX XXXX .
Statebridge Company charges us regular NSF fees when payments are made in guaranteed funds, they wo n't apply payments. Every month, after sending the payment " on-time, '' the next statement always carries a fee that was n't invoiced, such as repairs (?, ) 'VAC PROP REG, ' 'BPO, ' 'Inspections ... ' always billed the day after the grace period ends, making us late and causing more fees.
The Escrow accounts also do not add up. HELP!!
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| 02/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX my loan was sold to Statebridge company, LLC.From the day 1 have problem with this company.People in customer service can't answer on simple question and every time when I call and speak with representative I get different answer.
In XX/XX/XXXX from escrow account was paid county taxes $ XXXXIn XXXX I seen that I still owe county taxes and amount bigger than previous what I paid. I called to customer service and I didn't receive reasonable answer.In XXXX the story repeated.I still owe county taxes with bigger amount.The last drop was when I received Escrow Statement .In this Statement shown I owe {$3900.00} and this amount will pay in XXXX and I have shortage in escrow account $ XXXXMy monthly payment will increase on {$200.00}. The new payment start in XX/XX/XXXXHow it can be!!! The county taxes pay 1 time in a year and I already paid!!!! .I called to Customer Service , nobody could explain me and not transferred my call to Escrow department , I wanted to talk to representative who make this statement, because he or she looks such incompetent person.I told to Customer Service representative that the Statebridge Company owe me money, because it will overpay in my escrow account.For this big issue I want the Statebridge Company review and fix this wrong escrow statement and cancel my escrow account, I want to pay my taxes and insurance by myself without be upset and nervous.
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| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, I set up a payment thru bank and statebridge for XXXX. On XX/XX/XXXX I called my bank to see what happened they said they never got anything from statbridge regarding this payment. So ok XX/XX/XXXX later in the day I did a three way call with my bank XXXX XXXX and statebridge there was no answer as to what happened so we set up another payment for XX/XX/XXXX for the amount of XXXX. Around XX/XX/XXXX I called bank again and the payment was never token out cause it wasn't submitted from statebridge. On XX/XX/XXXX truck broke down I had to get it fixed, so I didn't have all the money till XX/XX/XXXX. I looked into doing a XXXX XXXX but it was gon na cost me about XXXX is what they told me at the convente store, i said noway i cant afford that. Since this has happened I've change to XXXX, so I think this is fixed. On XX/XX/XXXX set up a payment for that same day I didn't realize my auto insurance came out that day I screwed that up.
After all of these different times/dates I've been transfered to a XXXX XXXX in legislations I've left him at least 3 different messages I've also been told he would call me the next day by other customer service reps. He has not returned any of my calls. I know this is ultimately my fault nobody else 's, I just need some assistance. With getting in touch with this guy and coming to an agreement without me loosing my home. Right now I have XXXX.
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| 11/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX XXXX XXXX. File # XXXX. I was told via email on XX/XX/XXXX that Statebridge company has responded and needed more time to answer. A few days later I received a letter from XXXX XXXX XXXX also dated XX/XX/XXXX stating a Notice of Assignment, Sale, and Transfer. They sold the fraudulent mortgage off. It seems that they lied to this agency, while getting rid of the problem of a XXXX person. Had it not been for the letter the state accidently sent to my home informing me that a lien would be placed for non-payment of taxes, and that my name was not listed on the property but another company ( not XXXX XXXX XXXX ). I would never have known about the fraud they were perpetrating.
They have also padlocked the property with my personal items in it as of XX/XX/XXXX and have yet to inform me via mail of their intentions to do that. When the company name is XXXX you can see multiple complaints as well as a class action lawsuit arguing their deceptive business practices to steal homes from unsuspecting people like myself. When they are revealed and reported to appropriate agencies, they quickly let go of the problem by selling it off to the next investor. While we think we are paying on a mortgage, we discover we are only paying investors. There is no assistance with obtaining homeowners insurance, or deeds to properties we are paying on.
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| 05/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our homeowners insurance decreased significantly in XX/XX/XXXX following a review after fire codes in our area had significantly improved. Our insurance had just been paid from our escrow account so the insurance company sent a refund for around {$4000.00} to us & our mortgage holder. My husband spoke with Statebridge and they said they would submit a request for an escrow analysis. We never heard anything from them so he called again a few months later. They said that they didnt know anything so the customer service representative told him they would submit another request for escrow review. Several months passed so I called the lady told me the same thing. She would submit a review of the escrow and that she should know something the next week. I called the next week & she recommended that I write a letter explaining the situation so she could submit it with the requests. I promptly emailed my letter. After still no answers I called on XX/XX/XXXX and spoke with XXXX XXXX at Statebridge. He told me that they only do escrow reviews annually and that ours wasnt due until XX/XX/XXXX. I am very frustrated that after several months of them telling us that they would submit a request for a review that now they are saying it was never a possibility. Not only are they holding our {$4000.00} but they are also charging us around {$300.00} extra every month that is going into our escrow account.
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| 04/09/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Hello, I changed Homeowner insurance companies in XXXX, 2015. My insurance company ( XXXX ) and I both called the insurance company on a conference call to inform my mortgage company ( Statebridge Company, LLC ) about the change. The person took the information and changed it in the computer as XXXX gave them the updated information. I received a letter in XXXX, 2015 from the previous insurance company stating they received a check, however the policy had been canceled and the check was being returned to Statebridge. Both XXXX and myself have made several calls to Statebridge and XXXX XXXX XXXX. Apparently Statebridge contract out their insurance service to XXXX XXXX XXXX. I called XXXX XXXX XXXX. on Tuesday, XXXX XXXX, 2015 and was told I had to fax over the cancellation later from the previous insurance company. As of today is XXXX XXXX, 2015, I do not have any homeowner 's insurance on my home. I also received a letter from Statebridge on Monday, XXXX XXXX, 2015, stating that Statebridge was going to do force placement insurance on my home. They have all my insurance information, therefore why would they send me a letter stating I do n't have insurance? This entire situation has taken a toll on me and I am very frustrated with the lack of communication between Statebridge Company, LLC and the XXXX XXXX XXXX. company they have contracted to send out their insurance payments.
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| 02/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received a letter from Statebridge Company regarding my residential mortgage, Loan Number XXXX. This letter is dated XX/XX/XXXX and claims my payment for XX/XX/XXXX was never received. The letter also lists a payment amount due of {$2100.00}. Statebridge has received my payment for XX/XX/XXXX and has processed payment, according to my bank statement. The amount Statebridge is claiming to be the monthly payment due, {$2100.00}, is including an assessment for forced placed insurance. This has been an ongoing issue with this company, demanding payments already received and in amounts including insurance that was not necessary. My property has never been without insurance and Statebridge has confirmed receipt of proof of insurance. The confirmation of proof of insurance was communicated through a response to a previous complaint on this website, CFPB. The gross incompetence of Statebridge Company needs to be investigated immediately.I consider the handling of my account and the communications from Statebridge to be harassment and an attempt to fraud. The stamp used to mail this Late Notice is not the usual postage, but an actual " Forever '' stamp that would have been placed on the envelope by an individual.
The documented history of this issue, on this website ( CFPB ) shows behavior that confirms my claim of being a victim of fraud and harassment.
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| 02/05/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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To Whom It May Concern, Statebridge argues that they did not receive the package for loan modification, and foreclose on our home on XXXX XXXX, XXXX.
After filing a complaint with the Consumer Financial Protection Bureau, loan modification was reviewed and determined that based on our financial information provided {$4200.00} of our monthly income is 31 % debt to income ratio, did not meet the accordance guidelines. Our mortgage is a Conventional 8.5 % Fixed Rate approved in XXXX. Statebridge based their denial on accordance guidelines, under which criteria and interest rate? Our question is under what validity of terms of modification guidelines was used? XXXX, or Today 's Prime Interest Rate? Why were we disqualified? When in fact, the published conventional mortgage loan modification today is XXXX % -XXXX %. Is this a common practice to modify our XXXX loan modification application with what Prime Interest Term, XXXX?
Since, the conventional fixed loan is being modified in XXXX the Rate must correlate within the appropriate time frame of the loan modification review process. Banks offer loan modification as an option for struggling homeowners by reducing the interest rate. According, to the Government Bailout, we are those homeowners that this exact program were designed for. The neglect that Statebridge has demonstrated resulted in our home foreclosed!
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| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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STATEBRIDGE COMPANY continues to engage in fraudulent and deceptive practices regarding my mortgage # XXXX, NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Florida XXXX. On XX/XX/XXXX Statebridge sent me a letter finally confirming the proof of insurance I had sent them on numerous occasions, stating the forced placed insurance they assessed me for has been canceled as of XX/XX/XXXX. Statebridge has received mortgage payments from me, on time, in the amount of {$1500.00} each month but has failed to apply these amounts to my account. Statebridge has cashed these checks according to my banking history but has not credited me for them. They have charged me late fees and are now demanding payments they have already received. On XX/XX/XXXX I received my mortgage statement for XX/XX/XXXX and Statebridge continues to charge me for forced placed insurance, continues to charge me late fees for payments already received and HAS NOT credited my account for the forced placed insurance the assessed me in error. THIS GOES BEYOND GROSS NEGLIGENCE OR INCOMPETENCE, THIS IS A DELIBERATE ATTEMPT TO CONTINUE WITH THE FRAUDULENT PRACTICE OF FORCED PLACED INSURANCE. The history of this issue, documented on this website, clearly shows this company, STATEBRIDGE, is acting in deliberate bad faith and should be investigated by the attorney general immediately.
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| 01/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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The original principal amount of the mortgage in XX/XX/XXXX was {$530000.00}, as at XX/XX/XXXX when Statebridge took over, the monthly payment was {$3600.00} and was for the 30 yr term, we were behind on payment for couple of months and the outstanding was added to the principal balance. Statebridge did a loan modification, and extended the term to 40 yrs, so instead of a maturity date of XX/XX/XXXX, it was extended by 13 yrs to XX/XX/XXXX. They gave us a supposed relieve to $ 2604 monthly payment for 5 yrs and then {$3600.00} for the remaining 35 yrs at an higher interest rate, which is a rip off. Also the " the interest rate will reset to rate of the original note is ambiguous and deceiving, because even though the rate at origination of the loan was 5.95, XXXX XXXX had reduced the rate to 4.95. Statebridge made us believe they were helping us with modifying the loan but they actually hurting us on the long run, this is a sharp practice that needs to be investigated, the loan has been sold many times afterwards fro profit at our detriment, now they new service XXXX XXXX was us to start paying {$3600.00} at a rate of 5.95 instead of 4.95 as received by Statebridge for the remaining 35 yrs. If we had understood the implication of what they made us sign we would not have signed their deceptive loan modification in XX/XX/XXXX.
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| 12/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX of XXXX XXXX XXXX transferred servicing of my mortgage loan to Statebridge Company. This is modification loan and it has been issued by XXXX on XXXX of XXXX XXXX.
On XXXX of XXXX XXXX Statebridge Company prepared Annual Escrow Account Disclosure Statement with an escrow monthly payment {$1500.00} effective XXXX XXXX, XXXX. After my complaint with CFPB the company lower it on XXXX XXXX, XXXX to {$1300.00}, which payment was still too high, because I sent to Statebridge documents, that my property tax for XXXX will be much lower. Statebridge set up a cushion and anticipated payments for my account. Even, when I paid a shortage of {$460.00}, the company did not lower my payment.
Finally, on XXXX XXXX, XXXX, Statebridge lower escrow monthly payment to {$1200.00} but still maintaining a cushion of {$2100.00} and anticipated payments. My new hazard insurance will be only {$84.00} higher then year ago but my new property tax will be {$420.00} lower then year ago. In XXXX I paid {$11000.00}.
So my monthly escrow payment should be {$970.00}, {$240.00} less then I pay now.
Furthermore Statebridge does not send me any information about incentive payments since this is a modification loan.
For me and my husband this is big difference and we hope that Statebridge Company make appropriate corrections.
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| 12/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This account is in my XXXX XXXX XXXX name. I have been appointed XXXX of this property and this company has that paperwork on XX/XX/XXXX & XX/XX/XXXX by email. I made the last payment mortgage on this account on XX/XX/XXXX. I had a statement stating the last payment was {$140.00}. I tried to pay the {$140.00} on XX/XX/XXXX. Their system wouldn't accept, it still had the regular payment of {$150.00}. I called, held on, their phone hung-up several times. They would call me back, but when I answered, it was a message telling me to call them. So, once again, I called, their phone hung-up. So I just made the {$150.00} payment on XX/XX/XXXX, from my online account with their company, as I made the other XXXX pymts, so it would not be late and just get a refund later. I received a payoff letter on XX/XX/XXXX stating I still owe {$15.00} for a late fee. The last payment I made on XX/XX/XXXX for {$150.00} was sitting on my account when they charged me the {$15.00} late fee on XX/XX/XXXX. The {$150.00} was unapplied on XX/XX/XXXX. On XX/XX/XXXX, {$140.00} was the payoff pymt, which included a XXXX interest. Why at that time they didn't see they owed me {$10.00}, I have no idea. The unapplied my {$15000.00} payment again on XX/XX/XXXX. I just need my {$10.00} put back in the same account they got it from.
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| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have been trying to get a modification from Statebridge Mortgage and they have been jerking us around. We have applied several times. The last time we applied, they denied us, with a reason that they required {$27000.00} for a modification. PLEASE NOTE, NO ONE TOLD US THAT {$27000.00} WAS REQUIRED, THE ONLY TIME WE KNEW THAT WAS IN THE DENIAL LETTER. HOW CAN THEY DENY FOR SOMETHING THEY NEVER ACTUALLY REQUESTED FROM US?
Anyway, a sheriff sake date was set for XX/XX/XXXX, and we applied for an extension and was given adjournment till XX/XX/XXXX being the new sale date. We then sent in another modification request and they have totally ignored us. There is not even a response to the application we sent in, and when we call, the customer service person does not have any information, and the representative assigned to our file XXXX XXXX, has NEVER HAD A CONVERSATION WITH US, NEVER RESPONDED TO AN EMAIL, AND NEVER AVAILABLE TO TALK. We were told that she tried calling ONE TIME a few weeks ago, but didnt try to at least respond to any emails weve sent.
STATEBRIDGE WANTS TO TAKE OUR HOUSE JUST BECAUSE WE OWE UNDER {$100000.00}, AND THE HOUSE IS WORTH OVER {>= $1,000,000}! THEY ARE TRYING TO HAVE US LOSE THE THOUSANDS WE HAVE WORKED HARD OVER THE MANY YEARS AND PAID ON OUR INVESTMENT.
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| 12/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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XX/XX/19 Paid off our mortgage We were told we would receive interest and escrow refunds of about {$1200.00}. They said check was required to be mailed within 30 days of the payoff.
We have called many times to see if the check had been mailed. Including XX/XX/19 when we were told by a supervisor that it would absolutely be taken care of that day and we would receive a confirmation call. We didn't receive any calls. Since the refund had gone weeks beyond their deadline I told them I want them to add 10 % for use of my money.
We need this money ASAP to pay taxes and now we will not be able to pay our taxes on time with this money. It is now causing us a hardship.
I called yesterday ( XX/XX/19 ) and there was no supervisor available. The customer service person said I would have to call back some other time. I said that I needed an answer and he said they can't help me, and " You know how it is '' Today I called and they claim they will help me again. After many calls and 3 weeks beyond their own deadline to send the money, I do not trust that I will be helped.
I was reading XXXX reviews and saw that another customer waited " months '' to receive their refund.
The Statebridge Company reviews are nearly all bad. Some of the good ones were added by employees of the company.
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| 01/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
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The original mortgage ( from XX/XX/XXXX ) was adjustable and at that time the prime rate was around 7.5 %. My rate was a little over 2 % above that. I did not see anywhere on the paperwork where that said that it could n't go below the original rate, it only talked about a ceiling, but to my knowledge there was no floor. The mortgage has traded hands numerous times over the years.
About a year ago I applied for HARP. After several months of having to resubmit the same documentation, I was finally approved. I received a letter stating that I had to go into a 3 month trial period, XX/XX/XXXX-XX/XX/XXXX. It stated that at the end of the trial period I would get the terms of the adjustment. There was a question about insurance coverage, I was told by the XXXX company that they would take care of taxes and insurance and my payments increased to cover the escrow for that.
When I asked the XXXX company about the insurance, they said they had been told that the insurance was my responsibility. So I got that straightened out.
The most recent letter I received, ( which is dated XXXX XXXX, from the XXXX mortgage company ), stated my mortgage is still adjustable and still at the original rate, 9.875 %.
So in other words, this entire HAMP adjustment seems to be just smoke and mirrors.
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| 12/21/2018 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
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On XX/XX/2018 I refinanced my home in Idaho. Statebridge Co. was the servicing company for my loan. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Co. XXXX. Phone-XXXX. I contacted them about one month after my loan was paid off to inquire about my ESCROW funds. I was told they have up to sixty days to return the funds but are usually returned within thirty days. After several weeks, I again spoke to them. They informed me they would open a ticket on the issue and would be in contact with me in a few days. I did not here from them. I spoke with them again XX/XX/2018. I was told my situation had been escalated and more tickets were opened to expedite the return of my funds. I requested to speak to a supervisor of which none were available. I cant pronounce the name of the person I was speaking with. But I was assured the supervisor was handling it personally and I would receive a follow up call in a few days. I called them again XX/XX/2018 with basically the same scinerio. I called again and spoke to XXXX who mimicked the previous contacts.
The company did not pay my insurance in XXXX nor have they paid my taxes which were due XX/XX/2018. They have far surpassed the deadline to return my funds. Please help. What accountability can they be held to.
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| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ). Statebridge no longer owns my second mortgage, they sold it I believe in XXXX of XXXX.
To boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ).
I did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like.
I did call again XX/XX/XXXX @ XXXX, again requesting this concern be resolved. I was told XXXX XXXX would return my call, I have yet to receive a return call. I did ask to speak with his supervisor, I was told he was the only one I could speak with. I can provide that recorded call as well.
|
| 03/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
XXXX our mortgage was sold to Statebridge Mortgage company. We have been current on our mortgage since we have bought our house. We received a notice of short escrow payment from our mortgage company. We tried contacting them to resolve the issue they are not replying back to us ; escrow department does not take phone calls. What we have understood from the escrow shortage notice Statebridge Mortgage company place a forced place insurance on our house in XX/XX/XXXX they have been charging us {$340.00} quarterly for whole XXXX. We informed Statebridge Mortgage company 's escrow department of this issue in XXXX XXXXand provided evidence that we always had our own homeowner 's insurace through XXXX since we bought our home. Statebridge Mortgage company 's Escrow department assured us they will resolve this matter ; it 's been 9 months and still they have n't resolved the issue and credit back our account for falsely charged homeowner 's inurance ; and now they are demanding to raise our mortgage payment from {$1100.00} to {$1400.00} for one full year. This is unacceptable ; we have tried talking to them but escrow department is not responding. We are reaching out for this issue to be resolved ; mortgage company should take this matter seriously.
|
| 04/12/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
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|
We paid off loan # XXXX with Statebridge Company, LLC in XX/XX/2015. I have still not received notice that it has been paid off. I have called them numerous times in the past and left messages regarding this issue and have not received any phone calls back. At the time of our payoff, Statebridge had messed up the amount owed so badly that I filed a complaint against them. After paying off the loan, I had spoken with a representative regarding this issue and they told me we still owed {$5000.00}. After clarifying that issue, which was very time consuming and involved getting our new lender, The XXXX, involved we received notification from XXXX XXXX of Statebridge that we did not owe anything and the loan had been paid in full. We were informed that we would be receiving notification in the near future. I have never received any notice that this loan had been paid and am concerned about when we try to sell the properties in the future that are on this commercial loan. As mentioned earlier, I have contacted them several times since XX/XX/2015 and my requests go unanswered. I am aware of numerous other complaints against this company and am quite surprised that they are still in business. The loan was in the name of my business XXXX XXXX, XXXX.
|
| 01/20/2017 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a mortgage that is currently being held by Statebridge Company, LLC. In XXXX XXXX they stopped sending me a paper mortgage statement. I wrote a letter AND called every month requesting a statement. They did not reinstate my paper statement until XXXX XXXX at which time it said that my mortgage payment was reduced. I paid the regular payment anyway in XXXX. In XXXX I received a statement saying NO PAYMENT DUE. I called and was told that the payment was indeed lowered based on an escrow analysis and that my taxes AND insurance were still being escrowed. In XXXX XXXX I received a new analysis and my payment had skyrocketed. They informed me that my escrow was short and that they needed to recoup their money. They also informed me that they STOPPED escrowing my taxes. I never gave them permission to do this. I also do not know what happened to all the extra money I was sending prior to learning that my payment was lowered. They 've totally screwed up my account and created a payment I can no longer afford. They told me I needed to buy a property I can afford and it 's not their problem. I have nowhere to turn and can not afford the higher payment. I escrowed my taxes because I can not afford a large lump sum payment.
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| 11/18/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I took a loan out against my house back in XXXX with XXXX ; they closed and reopened under XXXX XXXX XXXX. They turned it over to XXXX. I filed for bankruptcy in XXXX. StateBridge turned it over to XXXX XXXX XXXX, XXXX an XXXX XXXX XXXX. I spoke to several people at different times at this office. One individual stated that I did not have to pay this loan back because I had filed for XXXX in XXXX. The paperwork was signed in XXXX of XXXX I did not receive it in the mail until XXXX or XXXX. The attorney filed for foreclosure against my house in XX/XX/XXXX. I requested information for a payoff ( the least amount that they would take ). Someone gave me an e-mail address and when I e-mailed them ; it came up blocked. To request a payoff to resolve this issue. Then it was stated to me that they sold it back to StateBridge. At the time I was not working after I started back to work. I got a money order to send them in the amount of {$100.00} but someone from StateBridge stated to me that they were not taking any payment. I spoke to someone at XXXX XXXX XXXX and they were not taking this type of case near where I live. I applied for assistance with VA Mortgage XXXX XXXX which is currently under review.
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| 02/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
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We recently did a mortgage modification with Statebridge Company , LLC. During this process, we were initially denied because they made a mistake denied us based on using only one source of income, rather than two. Then had to dispute this and reapply, ensuring that they try to qualify us using BOTH sources of income. We were then approved for a trial modification. We were then denied our modification because they held 3 of our payments and posted them late. I was then forced to dispute this and provided receipt of my wire transfer confirmation. The modification was then approved.
Since then, the mortgage statements have consistently arrived after the XXXX of the month ( when payment is due ), and there has been an overdue payment of XXXX. This was not included in our modification paperwork, nor were we sent a bill identifying what these fees are. I have made multiple attempts, by calling and emailing, to find out what this charge is for. The customer service agent tells me that it's for various charges, and directs us to speak with the lady that handled the modification directly. No one has reached out to resolve this issue and I do not believe that we are liable for this bill.
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| 05/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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In XXXX XXXX my mortgage payment was {$770.00} ; an amount unchanged since XXXX XXXX. An increase resulting from an escrow analysis raised my mortgage payment in XXXX XXXX to {$850.00}. It was explained that this was due to taxes and insurance. Then in XXXX ( 3months later ), my mortgage increased to {$1000.00} with no notice or explanation. Upon inquiry, I was told that again this was due to taxes and insurance. I continue to try to get an explanation as it does not make sense. My taxes have not increased more than {$100.00} per year. My insurance has not changed since the last escrow analysis. How can my payment go up almost {$300.00} per month? How can I have two increases within 3months time? I received a tax delinquent notice in XXXX XXXX because the mortgage company did not pay taxes that were collected in my payments. There are penalties and fees associated that I should not be liable for. Are those fees being passed on to me? I pay my mortgage on time and in excess of the amount due each month. This increase is excessive and unexplained. I am willing to self-pay my taxes and insurance as I have more than 75 % equity in my home to resolve this escrow collection issue.
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| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have fallen into a financial hardship with maintaining my mortgage. In XXXX of 2012 my wife went into the hospital for XXXX. This change has effected my life substantially. It caused a reduction in hours I was able to work to take care of my wife. I have made necessary modifications to the home so that my wife can function effectively in her XXXX around the house. I have attempted on several occasions to seek assistance with the Lender for the chance to get caught back to current with some sort of repayment plan or work out option. However, I keep being told that our Private Investor does not assist with modifications. I do n't understand why I can not get assistance with the government programs that are available for homeowners in my type of situation or just something that will help me keep my home. I have never requested or received any assistance in the past and the first time that I beg for some type of help I get rejected every time. there is no where for my wife or I to go, especially with her specials needs to get around. I felt that it should be exposed how this Investor of mine is not willing to help their borrowers, not even once. It 's just devastating.
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| 07/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX of 2021, my auto loan from now defunct XXXX XXXX XXXX XXXX XXXX was sold to Statebridge Company , LLC to continue the same car payments ont he same due dates. I began sending checks to cover the payments for payments due on XX/XX/2021 and XX/XX/2021. These checks cleared, and my bank paid the checks. I then switched to my bank ( XXXX ) handling the payments through their Bill Pay service starting with the payment due on XX/XX/2021. Again, the amounts were paid, and money withdrawn from my account. On XX/XX/2021, two payments were " reversed '' with no explanation and no refund or communication from Statebridge Company. Now I show 2 payments behind when I am not. Had contact with my account rep but she is unable to solve the issue and billing department does not seem to be acting. Have called Statebridge Company several times during business hours, but they play a message stating the company is closed for the day. I feel as though this company is engaging in very suspicious behavior to potentially glean more money than what is owed from customers which could affect their credit rating and potentially lead to loss of cars or homes due to collections.
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| 01/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX changed story multiple times on an existing loan parameters. With misrepresenting along the way, I decided to pay the loan off. However Charged a late fee when XXXX wire payment was made in advance. Servicer decided to NOT apply payment and levied a {$1700.00} Default interest for a {$2200.00} payment payable XX/XX/2022. I sent proof of payment wire from XXXX XX/XX/XXXX in the loan amount billed. Furthermore, I have email evidence that NO APPRAISAL would be necessary if I did an extension on the current loan. However, XXXX went and ordered an appraisal and claims in documentation which says " may '' but I relied on the email from XXXX to confirm the costs of the extension. that was an additional {$550.00}. Prior to that, I was steered into setting up a new line of credit which cost me over {$2200.00} with the idea I could move the asset into that new line of credit. After being told I would be subject to origination fee of 1.75 % and legal costs and appraisal, I decided that would not make economic sense and did not see fair to treat an existing loan with current lender as if it was a 100 % new deal. They levied additional fees which are sunk costs.
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| 11/16/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I have been contacted by many debt collectors about this same loan from XXXX. I know XXXX people cant possess the same loan and ask for payment. I believe I am a victim of mortgage fraud or extortion. XXXX XXXX is representative for XXXX XXXX XXXX XXXX XXXX XXXX. He is also representative of XXXX a company that has been claiming to have acquired the loan prior to XXXX XXXX. He has reinvented himself with XXXX XXXX and is now foreclosing on me for a debt he says is expired and does not own. He claims I defaulted on this loan in XXXX. I never had a loan with this company. He even has a servicer with a bogus loan account. He has not substantiated his claim by producing any bank statements or ledgers. He has not verified or validated the debt which he says is expired. He is attempting to extort me for {$250000.00}. He has me in court attempting to force a modification. I believe XXXX XXXX is the sole person attempting this fraud. I have filed a claim before but no resolution was given by him so the claim was closed but now he has found another mask to hide behind. He has also admitted that statute of limitations has expired on this loan in previous letter.
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| 12/17/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I received a Notice Of XXXX XXXX on my gate advising that my home, where I operate my XXXX Business would be up for sale on XX/XX/XXXX at XXXX XXXX by lender Statebridge and Trustee XXXX XXXX XXXX. When I called to inquire about this sale I was advised that this was a HELOC loan that originated in XXXX. On XX/XX/XXXX I was forced to file bankruptcy due to a dramatic decrease in my income as a result of government funding. In filing my bankruptcy, XXXX XXXX XXXX was the original lender for my HELOC loan of {$130000.00}. It was my understanding that once I filed bankruptcy and received the charge off that I was no longer responsible for this debt.
Fast forward eight years later I have a noticed of XXXX XXXX for a HELOC loan that was included in a bankruptcy. On XX/XX/XXXX I reached out to XXXX XXXX XXXX in writing and requested two items : one Reinstatement Figure, second Pay off Demand. On XX/XX/XXXX I received the Reinstatement Figure of {$100.00}, XXXX and Pay off Demand of {$200000.00}. I am perplexed by these numbers I have received and I wonder if the actions of lender Statebridge and Trustee XXXX XXXX XXXX are valid and legal.
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| 09/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Foreclosure
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Web |
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I purchased my home in XXXX with a 12.95 % interest on the second mortgage, with a promise from the mortgage broker to refinance to a lower interest rate after 6 months of good payment history. On the XXXX month a returned to that mortgage company for refinance and was ignored. As I saw property value decline, I attempted to sell the property, as I was overwhelmed with the large payments.
I discovered that the home was never transferred and that the mortgage was never recorded. After contacting mortgage company and no action on their part, I stopped paying. The home was transferred in my name approximately 4 years later, at which time the value of the property had crashed. After a modification in XXXX I resumed payments with primary mortgage thinking that this was my only mortgage.
11 years after I stopped paying, I discovered that the second mortgage had been sold to a different lender and they were then requesting payment. I responded a With a request that the mortgage was valid and did not hear back for a while. Maybe a year later that second mortgage filed foreclosure against my home. A final judgement motion is pending. Please help.
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| 12/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In XX/XX/XXXX my loan service stated that I would need to show proof of homeowner liability insurance. I provide this proof through my associations master policy which covers the rebuilding of my home interior and exterior. The servicer placed forced coverage inspite of my writting request not to do so. I had no knowledge of what type of coverage was place, what it covered and the cost was not know until XXXX, when they made the same demands again. Cost was over 10X the cost of a normal H06 policy.
I have lived at this residence since XXXX. XXXX XXXX was our loan servicer and not once did they require a personal home liability policy. The homeowners association also has never made such a requiremnent. I understand that this practice is illegal in New York State. he cost of the illegal policy was close to {$5000.00}. A normal consumer home liability policy ( of which I recently purchased ) cost less then {$600.00} per year. The placement of the forced insurance has had severe impact on my ability to pay my monthly mortgage. This annual insurance premium was taken out of my escrow monies which placed me in a negative balance.
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| 05/24/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am a victim o f Hurricane XXXX ( XX/XX/XXXX ) and my home was declared a total loss. I qualified for the flood insurance ( sitting in escrow with the bank XXXX XXXX ). No mortgages were paid because no home exists from the severity of the damage. We were negotiating a new mortgage, as I was waiting to get a release of a Grant from the NJ Government ( RREM ) to rebuild my home. All was good UNTIL th e bank sold the hundreds of bad " XXXX loans '' to a 3rd party bank ( Statebridge Bank in Colorado ). IMMEDIATELY thereafter, I was sent a foreclosure notice AND they absconded with my {$130000.00} of flood insurance money!! Additionally, since I am fully XXXX ( due to the losses of my wife/home/business/personal belongings ) and no longer able to work and to afford a high mortgage, I was forced to file CH. XXXX . What makes this worse, it i s ILLEGAL for any l ending institution to foreclose on a XXXX Victim PRIOR to XX/XX/XXXX !! So , the bank refuses to accept my offer of paying them off or recasting my mortgage to an affordable su m ( HARP Loan ). MY offer was 1 1/2 times OVER appraised value!
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| 06/09/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I do not know this company. I have never signed any agreement or borrowed any money or shared my credit information with this company. All known debt associating with me has been settled in full or discharged in full ; through a bankruptcy, liquidation or payment in full within 36 months. I do not know or have any record of any new debt I owe to anyone. No outstanding debts show up on my credit report. This company began sending statements out of the blue. I have sent them multiple Debt Validation requests, Proof of Claim requests and Dispute of Alleged Debt with no avail. They have been leaving voice mail messages to a phone number multiple times, and they wont stop calling. In recent months, I sent two Dispute/Debt Validation requests via certified mail ; one was confirmed delivery on XX/XX/2020, and the other was confirmed delivery on XX/XX/2020. I have not received any response to the debt validation requests / debt dispute notices as of today, but I continue to receive their calls and statements. I dont know how to stop them from calling and sending statements that I do not believe I owe to this company.
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| 11/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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Hi my name is XXXX XXXX for the last three years I been trying to get a modification well they gave me one but it always was high well XXXX sold my mortgags to statebridge well I was late one month and they charges me a XXXX late fee and start talking about putting a lie on the house mean time my husband have a XXXX XXXX meant and cant work and now getting a temporary pay check until soc sec start so I sent all the paper work in for a modification and they sent me a letter saying they would not give it to me mind you my house not is XXXX I am behind 3 moths they are asking me for XXXX the lats charge are XXXX my husband XXXX XXXX from his XXXX so we could catch up until his soc sec come in but what they asking for we do n't have they are really not trying to help us I beer in this run down house for 20 years and have no where to go I WENT TO HOPE AND THEY DID NOTHING FOR ME I was told there help out were is it I pray to XXXX that you guys can help me they something fraudulent about statebridge going on even a lawyer told me so. I cant afford a lawyer right now so please help us thank you XXXX XXXX
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| 01/11/2017 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XX/XX/XXXX I mailed my mortgage payment to Statebridge Company, LLC. XX/XX/XXXX I received a statement from Statebridge stating I owed a {$24.00} late fee because my payment was not received until XX/XX/XXXX. This is not the first time I have had to file a complaint against Statebridge over a late fee. It is to Statebridge 's advantage to " drag their feet '' in order to charge additional fees. I will not be held responsible for Statebridge 's lack of timeliness in depositing mortgage payments. My mortgage statement for XX/XX/XXXX states I owe my mortgage payment for XX/XX/XXXX ( my XX/XX/XXXX mortgage payment check was cashed so where are the funds? ) and XX/XX/XXXX. I will NOT be paying any late fee because I mailed my XXXX payment from the XXXX XXXX Post Office in XXXX with more than ample time for Statebridge to receive my payment. I will complain, and seek higher authority to resolve this ongoing problem. This is the same theft/shenanigans/ smoke and mirrors behavior XXXX XXXX used to play. I filed a complaint with the federal agency that oversaw thieving behemoths like XXXX Bank.
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| 04/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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After speaking with XXXX XXXX for the purpose of obtaining a physical payoff payment address, I sent Statebridge Company ( m ortgage servicer ) a check of {$16000.00} meant to pay off the balance of my loan ( XXXX ) with them. This is the payoff amount I received from the company after ordering the payoff. Despite the fact the check was cashed in XXXX , the funds have not been applied to the loan, however, I 'm receiving collections calls. After trying to rectify the issue, I was told I needed to pay an additional {$180.00} to cover the interest and fees ( incurred while they had the funds ) in order to pay off the loan. I paid the as instructed, however I 'm still receiving collection calls for a mortgage that should be paid-in-full. I want the embezzlement to cease. I would like for Statebridge to apply the funds, close the loan and stop the collection calls. I have made several attempts to resolve this matter with them with no success. I have sent e-mails, and certified snail mail, along with several phone calls, speaking to several people, all of which have proven futile
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| 02/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My property loan was sold to Statebridge company, so they became the new loan servicer. I didn't know they were the new loan servicer until my credit report dropped 100 points because they reported me over 90 days late. They had never sent me anything, and I had been making regular payments to the previous loan servicer. So far, they have charged me a late fee and ruined my credit even though its their fault. When I make a payment online to them it is rejected but I don't know why. I have also just received a notice from my insurance company that my homeowners insurance has been cancelled for lack of payment because Statebridge didn't pay it. When I called Statebridge I was told they didn't know they were supposed to pay it even through I pay into an escrow account every month for it. I had to pay it myself to reinstate my insurance. I think they are intentionally not sending out correspondence, not sending out statements, and intentionally not paying insurance, to rack up fees and foreclosures. I have contacted them by phone or email but still have not had a satisfactory response.
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| 09/05/2018 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a follow up of my CFPB complaint XXXX because it was closed after the company responded but the company only addressed partial issues and lied again in the response.
1. Though Statebridge Company did corrected my mortgage rate and cancelled my escrow account, they did not provide a legitimate explanation why they secretly increased my mortgage rate and lied about it again and again ( in other words, they were stealing money from the customer intentionally ) and why they changed the escrow term when the service was transferred to them. Instead, they simply lied in the response stating that the rate increase did not happen. Federal regulations require them to provide explanations AND solve issues in 30 days. This was yet another violation of the Federal regulation. The next step may have to be taking legal actions against them.
2. They did not respond to my request to recalculate my account balance history by applying the extra escrow charge each month to the principle, and did not provide the compensation I requested due to their criminal and fraud action to my account.
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| 05/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I recently received my annual escrow account disclosure statement. The company claims that there will be a shortfall this past year and is attempting to add to my monthly payment by approximately {$500.00} per month. The calculation is fro m XX/XX/XXXX through XX/XX/XXXX . It shows a total of {$20000.00} being paid towards my real estate taxes. The payments are shown to be as follows : XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX As can be s een, 6 quar terly payments were calculated into 12 months. My actual taxes are XXXX per year and not the more t han 20,000 that t hey are claiming. Even if, as they have done, paid the second quarter of XX/XX/XXXX late ( in XX/XX/XXXX ) and the second quarter of XX/XX/XXXX early ( in XX/XX/XXXX ), it would only b e 5 payment s and not the 6 th at they are claiming. Attached my tax statement showing that I am paid up through the second quarter of XX/XX/XXXX with o nly 5 payments, not 6 as has been claimed.
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| 05/27/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Every night I get a call from a company called Statebridge on my cell phone about mortgage debt. My mortgage is with XXXX. I call this company back after they call as indicated and it says they are not open. I call them during the day and it says your wait time is less than one minute and 3 hours later no one has picked up. I leave my phone number to call me in the order my call was received and I get an automated call again at around XXXX each night with no way to reach them. I try to visit their website as they say on their call- but any link you click on the first page says server error and wont open. Now theyve sent a letter telling me theyve started the foreclosure process on my home. Theres a separate mans name and number- and of course no one answers that call either. I cant get in touch with the company and I dont know who they are but Im afraid NOT to respond because my husband left 2 1/2 years ago and Im worried its his debt on my house. What can I do if no one ever picks up the phone? They send me fed ex letters- hang things on my front door- but no one answers ever!
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| 02/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a down payment assistance loan through Statebridge Company. I have repeatedly attempted to pay my bills and its almost like they wont allow me to. I was not notified of the loan and who to pay until after the first payment was due. Since then, I have not been allowed to pay online and the one time I sent a check ( sent XX/XX/XXXX, deposited ( XX/XX/XXXX! ) before the due date and they held onto it for weeks until it was late. I have repeatedly tried to call to pay and they hang up on me as soon as I get through to someone. That is on the rare occurrences that I can actually get through to them. It takes 45 minutes to an hour to make a phone call to them, only to be hung up on. They suggest I sign up for automatic deduction, but I honestly do not trust this company anymore.
They will not respond to my emails, or questions, wont answer my phone calls and wont accept my payments. My credit is now destroyed and I am at a loss.
I just want to get squared up and fix my credit. I feel like it should be possible to make a payment to a company that reports to credit agencies.
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| 04/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I am in the process of purchasing a new home and was asked to get a statement on a previous 2nd mortgage that I have been paying on due to a divorce decree from 12 years ago. This 2nd mortgage debt has been sold to different entities and is currently serviced by Statebridge Company.
I was trying to obtain a monthly statement on their web portal, but was unsuccessful as it kept erroring and logging me out. When I called to request one, they told me that since my loan was not secured anymore, they didn't have to provide a monthly statement. I talked with XXXX ID # XXXX and he was very rude in his explanation of why they would not provide a statement. I don't see any rules pertaining to exemptions for this scenario of mortgage loans. The Periodic Statement Rule is explicit on what is exempted and this doesn't meet any of those exemptions.
( A servicer must provide a written statement to the borrower each billing cycle, usually monthly. ( 12 C.F.R. 1026.41 ) ) This may put my purchase of new home in jeopardy as the statement is being requested from my current lender.
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| 11/16/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Statebridge has the worst customer service. An employee from Statebridge called me on Sat, XXXX XXXX, 2017. She said she was calling me to inform me that my HOA ( Homeowner 's Association ) billed them {$980.00}, and that they paid the bill. She told me I will be needed to repay them. I asked " What are you talking about?? '' Why would they bill you? What was it for? '' She said she did n't have that information. I said well get someone who does. She said she could n't do that, and that I would have to get the info from my HOA. I told her that this was a ridiculous phone call! I have had nothing but issues with Statebridge since they acquired my mortgage from XXXX, and that I ca n't wait to get refinance with another company!! So I contacted the President of my board. She contacted the Management Company. They do n't know what my mortgage company is talking about!! I called Statebridge on XXXX XXXX, spoke to XXXX. He listened to my issue and said he would call me back once he spoke to the woman who " knew about this issue ''. That was yesterday, I never heard back.
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| 08/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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My mortgage was originally with XXXX Bank. Approximately 3 months ago I received notification from XXXX Bank that my mortgage was going to be serviced by another company named Statebridge Company, LLC. On XXXX XXXX, 2016 I forwarded my XXXX mortgage payment to Statebridge. 2 days later I received a notice stating I owed a late payment fee. On XXXX/XXXX/2016 I attempted to reach the representative listed on the Statebridge correspondence as the contact person. I called at XXXX ( NYXXXX ), I was kept on hold for over 10 minutes, never reached a live person, left a message requesting a call back and to date have not received as such.
To add insult to injury my mortgage payment has not been applied to my account. The correspondence I received shows my XXXX mortgage as unpaid yet Statebridge has my payment, the funds were deducted from my checking account. This is the same chicanery, smoke and mirrors, slight of hand XXXX that XXXX Bank used to pull. I thought the actions/intervention of the XXXX government was to put an end these companies cheating the consumer!
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| 01/30/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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|
Web |
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Statebridge LLC has recently sold my loan with errors. My account payments are due on the XXXX of each month, my loan agreement includes a 10 day grace period. Statebridge has practiced that if my loan payment is not paid by the XXXX, I am automatically charged a late fee and the late submission is then added to my credit report. This company was a hassle to deal with ; as not a month did n't go by that Statebridge had something wrong on my invoice. I review my statements diligently due to their illegal practices and poor customer service.
In XXXX XXXX, I went through all my data and rebuffed all of Statebridge late submissions to the credit union, they were removed due to proof of payment submission.
On XXXX XXXX a money order was sent on XXXX XXXX and cashed on XXXX XXXX by Statebridge. I received another late fee and late payment on my credit report.
I have contacted them 2 by email and had left 3 voice messages between XXXX and XXXX. The late information was sent to the new lender and I have not heard back from Statebridge.
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| 01/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In 2012 Statebridge did a loan modification on our mortgage, we were made to understand that we will get relief for the rest of the loan term and our loan term was extended to, unknown to us, they had indicated that the loan will rest to original note after 60 months. Now the original loan was a construction loan through k bank at an interest rate of 5.95 %, after the payment started, we reached out to XXXX XXXX and the rate was reduced to 4.9 % for the rest of the 30yr term, we had trouble making payments and Statebridge modified the loan, however upon selling the loan to other servicer, Statebridge and indicated the loan to be reset to 5.95 % instead of the 4.93 %, please refer to the modification doc and review your existing term and the new term on the last page of the modification. XXXX XXXX had sold the loan to XXXX at rates of 4.93 % and the same was sold to you, why did you revert to the 5.95 % of the construction loan. Now what was meant to be a relief is now a burden, we got a relief for 5yrs and now burden for 35yrs.
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| 12/08/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
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I am current on my first mortgage. I received foreclosure on a second loan that was from XXXX? I am on XXXX and have been sick and on medication for over XXXX years and I dont remember this happening. The last payment date was from XXXX. They are now threatening foreclosure for {$12000.00}. The company is Statebridge Company. Loan # XXXX. I have applied to the loss mitigation program and I was denied. I spoke with XXXX the account manager and asked why this is from XXXX? And requested information including the last payment date. I was told that the last payment was from XXXX. I asked why this is so old & he didnt know. He suggested I contact the loss mitigation department and I did. They wrote me back saying I was denied and still owed?? This is past the statute of limitations to collect. I have spoken to the trustees as well and they said to contact Statebridge. I have a foreclosure sale date of XX/XX/XXXX. Why can they bill me for something I dont remember and is past the statute of limitations to collect? Please help me!
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| 03/07/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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Statebridge Company handle my loan for over 2 years since XXXX during that time we were in chapter XXXX. A loan modified was establised to pay any arrears through the court. The courts paid over XXXX, we also made our regular payments {$1400.00} I requested statements from statebridge on several occasion. I was told they could not speak to me due to being in chapter XXXX. My loans was sold on XX/XX/XXXX to XXXX. I ask my attorney to sent documentation giving them permission to speak with me. they advised me because their attorney was handling the chapter XXXX they could not discuss payments or anything else. I ask over several difference incident to provide me a statement of payments and how our payments were applied to our escow, they said again they could not discuss the account .I believe they are deceitful to their consumers because they are a debt collection agency for your lender. This is a way for the lender and debt collection agency to take advantage of consumer because we are not fimiliar with mortgage laws.
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| 06/18/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I have a mortgage with Statebridge Company ( NMLS ID # XXXX ). It is for a small condo in Florida where I live. The loan was originated by XXXX back in XX/XX/2003. My principle and interest payments are {$430.00} per month. Until last year, my escrow payments were about {$60.00} a month for taxes only. Since the property is a condo, the property insurance comes out of my HOA fees. Last year, Statebridge required I show them that I already have property insurance even though Florida Condo laws requires the HOA cover the structures. When I didn't provide proof fast enough, they forced insured me. Once they accepted my insurance certificate, they reimbursed my account. However, they haven't adjusted my escrow payment of {$280.00}. Their projection of my property taxes is {$64.00} which means they are collecting {$210.00} more than what is needed.
I have tried to get them to adjust the amount but they won't respond. They also won't count my payments unless the entire amount including the escrow overpayment is included.
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| 06/21/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Recently my mortgage was transfer to Statebridge from XXXXXXXX XXXX. After I made a modification on my loan because financial stress back in 2008. I was notify by XXXX that my CAP rate will be 4.875 % beginning at the 8th year of my modification. Well XXXX sold the account to this small company and now they are charging me 5 %. When I contacted them to find out what is happening, the said that they could not resolve the issue that I have send a request in writing and most likely contact XXXX. Additional to this now they are charging me with what they describe in the monthly statement as fees for {$2.00} monthly with a YTD charges of {$48.00}. I have never being late on payments with this company and when I inquiries about this charges, they answered that are fees because I have not pay the previous late fees. I may be wrong but I understood that as long as I am not late in my mortgage payments, I could pay those old late charges any time during the life of the loan without any additional fees. Am I wrong?
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| 02/28/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This complaint is a continuation of prior complaint as it has not been resolved. Complaint # XXXX. Statebridge gave a payoff amount on my mortgage loan for closing that funded on or around XX/XX/XXXX. XXXX I received attached statement showing a balance in escrow of {$1100.00}. On XX/XX/XXXX I received a check for {$280.00} with no explanation whatsoever. This is after Statebridge had provided a payoff amount to my refinance lender in XXXX or XXXX.
Now they are saying that I had a payment returned for non sufficient funds which is not true. I have included copies of my XXXX bank statements showing where payments were made to Statebridge and as you will see, there was no returned payment.
I try to call them and have been on hold as long as 30 minutes which is unacceptable so again I ask to reopen my original complaint and ask for an accounting of my loan and escrow account. I am attaching original documentation and email received referencing a person and address that I have no clue who they are.
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| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/2017 I closed a contract agreement with the Illinois ( XXXX ) in conjunction with XXXX XXXX XXXX XXXX ( XXXX ). XXXX would pay Statebridge ( SB ) {$19000.00} to bring my mortgage account current, and make monthly mortgage payments to my account for 12 months. During this period SB has charged fees to my account for late pays, foreclosure fees and sent adverse information to the credit bureau, which violates their agreement with XXXX and me. ( see attached paperwork ) SB has recently threatened me with foreclosure even though they have been paid on time by XXXX. Because of the fraudulent information on my credit report I can not refinance etc. SB practices burying money upon receipt and post on account whenever they feel like it, usually after the 15 day mortgage payment grace period. XXXX and I have been told while talking by phone with SB, that it may take up to 45 days for payments to post. ( Rather convenient since all mortgage payments are due no later than the XXXX of each month. )
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| 11/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I originally had a mortgage with XXXX Bank. A few months ago the loan service was transfer to Statebridge. I had a " hail damage '' claim and the checks had to be forwarded to the mortgagor. Currently, Statebridge has the estimated {$25000.00} in their escrow.
I have given everything Statebridge has requested from me. They even paid an adjuster to take pictures and monitor the progress of the house repairs. The roof is completed and the siding is 90 % completed ( waiting for the windows ) I spoke with a XXXX XXXX and she said on XXXX XXXX, 2016 that she would releace the money so I could paid the contractor and part of the Supply bill to XXXX XXXX XXXX.
I have faxed and or e-mail XXXX XXXX and the company. As of this writing Friday XXXX XXXX, 2016 at XXXX XXXX no one has responded to my correspondence.
The contractor has workers that have families to shelter and feed and their is no reason whatsoever that Statebridge should hold the monies Your assistance in this matter is greatly appreciated.
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| 02/04/2018 |
No |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In XX/XX/2017, our second loan was sold from XXXX XXXX to Statebridge Company. When Statebridge took over our loan, I had called to setup ACH transfers to pay our monthly fee. They shared I had ACH transfers set up, for XX/XX/XXXX they told me that I was setup with ACH and I would be all set. I double checked when I did not see the payment come out, and called back. It was then shared that I did not have ACH transfer set up, so I made a one time payment and they shared that ACH would then be set up for my next payment. In XX/XX/XXXX I had an ACH payment taken out. But in XX/XX/XXXX did not. Again Statebridge then claims I did not have ACH payments set up. They are very unorganized and every time I have to call back they have no explanation. This company should not be allowed to have my second mortgage, I hope each month that this gets sold to another company. Statebridge is not operating in an efficient manner and I fear there are other customers out there that run into the same issues.
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| 06/15/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Statebridge LLC sent me a letter stating that I owe on a debt that was discharged in XXXX XXXX bankruptcy and the lien was cancelled The debt was a 2nd mortgage that was turned into an unsecured debt of which was the original creditor XXXX also known as XXXX mortgage The bankruptcy was successfully completed in XXXX. I received this letter from Statebridge on XX/XX/XXXX. I responded with a handwritten letter and a copy of the court document of which it verifies the successful bankruptcy completion and lien cancellation. It was sent certified mail and they received it on XX/XX/XXXX The letter they sent stated I owed {$50000.00} principal plus {$100000.00} in interest and now on XX/XX/XXXX they sent me a mortgage statement stating I owe 14 years and 7 months of monthly payments totaling {$100000.00}. They stated that having the debt discharged in bankruptcy that they are sending the letter for informational purposes only and not trying to collect a debt but yet has a dollar amount stated
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| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I filed for bankruptcy in 2011 in which my 2nd mortgage stop contacting me regarding payment. I tried to reach out to them but the loan was sold. Now 15 years later, my 2nd mortgage contacts me stating I owe them XXXX XXXX dollars and if I don't become current, they will proceed with foreclosure. THIS SCARED ME, so I hired XXXX XXXX to represent me and negotiate a settlement. XXXX XXXX said filing a lawsuit was now best way to bring Statebridge to the " table ''. But XXXX XXXX did not act in good faith and fair dealing. Therefore, I tried to talk to Statebridge LLC and offer XXXX XXXX dollars as a good faith starting point to negotiate and give me more time to refinance the debt. Statebrigde LLC said I need XXXX XXXX dollars to stop foreclosure. But like most Americans, I DON'T have XXXX XXXX dollars in cash. But like a-lot of homeowners, I have over XXXX XXXX in equity in my house which I can refinance this debt with the investor Statebrigde LLC is serving for.
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| 08/21/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Due to financial setbacks following the recession, we worked with the bank to modify our mortgage in XXXX. It was our understanding that both the first and second mortgages were included as part of the modification, as both notes were held by the same bank. Since then, every payment has been made in full and on time.
We've received no communication, written or otherwise, suggesting there was an unpaid debt owed. In XXXX we started receiving statements from Statebridge with no explanation as to where this debt originated. We assumed it was some kind of a scam. In XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX as Trustee For XXXX XXXX filed for foreclosure on behalf of Statebridge.
In addition to the XXXX in legal fees that we've paid for our defense, XXXX/Statebridge legal fees have more than doubled the original debt collection. A Motion to XXXX XXXX on our behalf is scheduled for XX/XX/XXXX, and a Trial is scheduled for XX/XX/XXXX.
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| 01/31/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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They tell me my most highest loan amounts were over XXXX when infact i only borrowed or refinanced a small amount, not XXXX.i would like to see the check that was issued to me. i had been with XXXX XXXX and added money to an existing loan, however the break downs are not on the contract that Statebridge XXXX XXXX sent me. Never did they tell me this was a 15 years to pay this off. Well in XXXX i started paying up until XXXX maybe of XXXX. I have been paying XXXX a month for 15 years and still owe the same amounts. I have paid over XXXX for this loan and still have a balance of over XXXX. They have not been trulful to me nor does the numbers add up. I am seeking help on this, infact i have ask them to settle with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i also lost my job and my husband during the last 2 years I am at the mercy of anyone who will just hear me out or show me how this all played out
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| 05/20/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I received a certified letter signed by mail carrier dated XX/XX/XXXX from Statebridge stating if I do not satisfy defaulted loan, owner of Note may commence with foreclosure.I have been calling and emailing Statebridge a few times a week and have not received instructions on where to submit in writing and to whom for a complete results of why my request to settle the {$32000.00} principal balance. I spoke to Loss mitigation and they said I am being charged over {$50000.00} in interest and payoff would be approximately {$80000.00}. When I call Statebridge I have to hold for a couple of hours and usually have call end stating due to high volume of calls, unable to complete my call. The only way I get a response is if I include loss mitigation dept., and since my last request on 5/14/21 ; I mentioned I would have to file a complaint due to no response on instructions, no payoff received and no details on my request to settle this debt.
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| 10/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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Borrower continued to make payments, including XX/XX/XXXX and XX/XX/XXXX, however the mortgage company stated that payments were never received. Borrower called regarding the money orders and received proof that money orders were cashed by lender. The borrower did not want to pay additional payments as borrower believed payments were current. Loan is now in foreclosure. Borrower sent out a QWR letter XX/XX/XXXX requesting for payment history to determine or prove that payments were received. Lender never responded to QWR letter as of today. Lender 's counsel was asked the status of the response of QWR letter at the last conciliation conference on XX/XX/XXXX but lender 's counsel had no knowledge. Housing counselor submitted a copy of QWR letter along with receipt of certified mail to lender 's counsel on XX/XX/XXXX. Lender has neglected to send any proof of payment history to reflect that XX/XX/XXXX and payments after were late.
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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This is a complaint regarding my 2nd mortgage. I have requested to have my mortgage refinance with my current lender. When I had requested the refinance previously I was told they would only subordinate for a refinance to my primary lender and not to another lender. So I am now trying to refinance with my primary lender. However, my primary lender has made the request and been declined. When I called to discuss it with the lender they tell me no request has been made. However, my lender has provided evidence that they have made the request and been speaking with them for some time. This has cost me a lot of additional money as I havent been able to refinance. This process began 4 months ago without my current lender, but the original request was made over a year ago. They have acted in bad faith and poor record keeping by changing reasoning for declining the subordination and not being aware of the subordination requests.
|
| 06/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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State Bridge Company, LLC is a Loan Servicer. My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to State Bridge Company LLC. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from State Bridge Company, LLC. You can XXXX them and see the negative reviews from others..
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| 03/02/2019 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
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Our XXXX had a mortgage on several residential properties with XXXX XXXX. The mortgage was purchased by Statebridge Co. We paid the debt in full in XX/XX/XXXX. I have the discharge of mortgage and a clerical error was made by Statebridge. The released property is listed as our XXXX 's mailing address and not the several properties the actual mortgage was for. I contacted Statebridge to alert them on XX/XX/XXXX. XXXX XXXX from Statebridge was associated with this loan. I notified Ms. XXXX of the issue by email, she responded XXXX XXXX XXXX and again the same day stating she had located the document and was working on it. Having heard no response i have emailed her XXXX XXXX, XXXX asking for the status. No response. This is a clerical error Statebridge can easily resolve. Our XXXX needs to restructure quickly and further loans are being denied as a result of Statebridge 's reluctancy to correct their mistake.
|
| 09/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
In XX/XX/XXXX my brother 's home at XXXX XXXX XXXX XXXX XXXX, Florida suffered {$13000.00} damage during a storm which his insurance company paid by check, which he sent to his mortgage company, State Bridge Mortgage for their endorsement.
On XX/XX/XXXX my brother XXXX XXXX suddenly died and I was named the personal representative of his estate in XXXX. Sense that time I have been trying to recover those funds, first to make the needed repairs so that the house could be sold but State Bridge made it so difficult to access the money that I ended up selling the place " AS IS '' to an investor on XX/XX/XXXX.
The problem now is State Bridge has not returned the money even though the mortgage has been satisfied and each time I've contacted them I'm given a different reason by a different person for the funds not being returned. I've attached documents to support my request for help in resolving this matter.
|
| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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My mortgage loan was originally with XXXX Bank XXXX in XXXX NJ. XXXX Bank took over XXXX Bank in XXXX 2015. From XXXX to XXXX my statement reflected no payment coming off of principal. It changed from the XXXX Statement. In XXXX 2015 my mortgage was sold to Statebridge LLC. I have since made XXXX payments to them and they are no applying them and claiming I am delinquent because first they state they did not receive my XXXX payment from XXXX Bank and now they are claiming that I have a XXXX loan and have to pay the accrued interest. They will not return my phone calls that I leave and I have left XXXX messages with XXXX Bank and they will not return my calls either. I am trying to refinance my home and Statebridge will not give my new mortgage company a payoff and they have told me they are going to hold it against my credit. Even though I have sent them four months payments and it has not been late.
|
| 12/14/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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XXXX sold my mortgage to Statebridge. I had a financial hardship and got behind, making payments by money order, and tried to work with XXXX over the phone to get caught up. When I called Statebridge on 3 occasions, the rep would not take my payment, citing either lack of information about previous verbal agreements I had made, or the need to talk to a supervisor and get back to me. Each time, I would wait two days and then call, and always I was told supervisor was reviewing. I said I was just going to make a payment over the phone, but was told it would not be applied to catch me up. I should have contacted a lawyer at this point.
The last time I made a verbal agreement to catch up on payments, I asked for an email or written mailed account of the agreement, and did not receive it. But again when I called I was told no agreement was in place. I then received a foreclosure notice.
|
| 11/20/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
Statebridge Company , LLC bought my second mortgage on XX/XX/2019. Statebridges first bill to me in XX/XX/2019 showed an amount in excess of {$1800.00}. The normal monthly payment is {$360.00} at a fixed payment and fixed interest rate. When I contacted Statebridge they told Me I had failed to make the last 5 monthly payments even though Statebridge has just bought the loan. I filed complaints with the North Carolina Attorney Generals office, and the North Carolina Commission of Banks. I submitted copies of electronic payments made to the previous loan services, XXXX XXXX XXXX, LlC. Statebridge reported false negative credit information to the 3 credit reporting agencies and has permanently damaged my credit. To this date Statebridge has not corrected their mistake, has not sent a correct statement for payment due, and has not corrected the outstanding balance due on this loan.
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Dear Statebridge, Attached is the XX/XX/2021 response letter from XXXX XXXX XXXX to CFPB Complaint # XXXX.
XXXX has advised that there was transfer of servicing rights from Statebridge to XXXX for account # XXXX.
XXXX XXXX XXXX issued the attached IRS Form 1099A naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Please provide proof of the servicing transfer from Statebridge to XXXX XXXX XXXX for account # XXXX.
Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Sale Agreement does not appear to include account # XXXX.
Thank you for all your assistance in rectifying this IRS Form 1099 reporting matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 09/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I've received numerous notices from Statebridge Company starting on XX/XX/2019, that indicated my home hazard insurance had lapsed and they would charge me for insurance coverage if I didn't provide proper documents.
Each time, I sent the appropriate documents from XXXX XXXX that showed my insurance had not lapsed. The second-to-last contact, I requested and received an email from a representative to : 1 ) indicate the documents had been received ; 2 ) my account had been updated ; and 3 ) I would not be charged for insurance.
Today, XX/XX/XXXX, I received a letter dated XX/XX/19 indicated they had not received documents and they purchased insurance on my behalf.
Please help me resolve this so that the items numbered 1 ), 2 ), and 3 ) are addressed by an accountable representative at Statebridge.
All corresponding documents are attached. Thank you for the help!
|
| 06/27/2017 |
No |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
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I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a cent. I had already surrendered the property to the previous servicer, State bridge LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
|
| 02/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Since approximately XXXX XX/XX/2021 I have received a nightly Robocall at my home phone, XXXX, from Statebridge Company asking me to contact them immediately at XXXX. I called recently and discovered that this is StateBridge Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. After waiting 40 minutes I was connected to a very unprofessional, rude representative. I explained that they were calling every night. He advised that my home phone number was listed in connection to an overdue debt. I explained that it was not me, we are debt free. He repeated that my number was given to them. He would not give me a name but the address he provided for the debt is not mine. I asked him to stop the calls, he advised me to block the calls. I have also tried emailing the company with no success. Pls help, we want the nightly calls to stop. We do not have any debt.
|
| 06/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
company has responded with ...
Thank you for submitting the requested documents. Please submit pages 1 & 2 of bank statements for XX/XX/2018 -XX/XX/2018.
Please note we must receive the requested documents in order to have a complete package and be review for a modification.
then they responded with another email to disreguard the previous email. I had the impression that the documents i submitted was enough to satisfy them.
i have not heard back from them at all.
i submitted all that they required me to submit. A hardship letter. Tax returns. income. divorce decree. And more. they had me fax all the paperwork to them. they have not responded back to me Statebridge Loss Mitigation Mailbox Loss Mitigation Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX ( p ) | ( f ) ( XXXX ) XXXX ( Toll Free ) XXXX XXXX statebridgecompany.com
|
| 04/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Our mortgage was originally with XXXX and they transferred us to Statebridge Company. Right from the beginning our mortgage statement always arrives one or two days before the due date. As of today 's date, XX/XX/19, we have not received it and it was due yesterday XX/XX/19. I have called several times regarding the timeliness of the statement. One guy told me that is just a courtesy, I don't need it to pay my bill. If you pay online they charge you an additional {$5.00}. If I received my statement timely, I wouldn't even have to pay online. If it was received timely we wouldn't be paying additional interest fees or possible late fees. When I do send my bill, they hold it for several days. I have called them a couple times to see if they received my payment because they don't process them timely. In my opinion this company is committing fraud.
|
| 01/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I was on a settlement agreement with XXXX XXXX and they sold my loan to STATEBRIDGE COMPANY , LLC ON XX/XX/2019. I had only 3 more payments to make and as of XX/XX/XXXX I sent all my payments to them in fact I sent and extra payment. STATEBRIDGE refuses to honor my settlement agreement and I think that is unprofessional. I have made all my payments on time. if they really wanted too they could check with XXXX to see my payment history with them and resolve this issue. I feel that they don`t want to clear this matter up. I have had XXXX to dispute this matter twice with no resolution on my behalf. I have given STATEBRIDGE and XXXX a copy of my settlement agreement to show them that I was on a settlement agreement. As of yet I have not received a positive resolution on my behalf. They are still putting a negative comment on my credit report.
|
| 11/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our current mortgage service has been problematic since the onset. They have claimed we were behind on payments for the beginning. We have exhausted all means to rectify the issue and have had no help or resolution. We have consistently requested an accounting for the payments we have submitted and they will not provide the information. Due to the companys start up nature, they are not effective at communicating with customers. We were facing financial hardships while out of work for XXXX issues, they would only offer a modification to the loan and no forbearance or deferment. Causing a worst financial situation for our overall experience, they sent our loan to a lawyer and treathtend foreclosure on 3 occasion. We have settled all back payments, however we believe we have over paid and they will not send us an accounting for our account.
|
| 06/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My realtor and I started working on a short sale and when we called initially they told us there was no auction date and to submit all necessary docs. All of a sudden an Auction date was set for XXXX XXXX and we were not notified, instead they kept asking for more and more updated documents. We submitted a complete package with a willing and able buyer willing to negotiate and they declined our file and stated that the lender denied the offer and was proceeding with the auction. We are in belief that this is not being handled property and that there has to be an opportunity to continue with a short sale since we were told we could. I believe that I am being discriminated against and not being given the assistance/options that the lender has offered. Auction is set for XXXX/XXXX/15 and looking to postpone so that our file can be reviwed.
|
| 04/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I secured a loan for approximately $ XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, SC XXXX The credit union closed and State Bridge located in Colorado took over management of the loan. Since Statebridge took over management of the loan, they have consistently mismanaged payments and accused me of being past due. Money orders were sent and they would indicate that the money orders were not received. When I checked to determine if the money orders cleared, clearance occurred. I sent them correspondence with every money order and the amount. The correspondence was acknowledged, but no response. At this point, I am unable to speak with a manager and have called multiple times to have a conversation. I believe I should be done with paying the loan. However, their records are inaccurate and the are unwilling to communicate
|
| 09/20/2021 |
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
|
|
Web |
|
|
Statebridge had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off my credit report.
|
| 03/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I had a loan with XXXX XXXX which sold my note to Statebridge Company. I sold / closed the sale on my home on XX/XX/2018 and the mortgage was paid off on this date with a good through date XX/XX/2018. I have been trying to get my refund from Statebridge. I have made numerous calls and all I get is either - will call you back or leave a voice message and no calls or help or refund. I made my XX/XX/XXXX payment before closing, when I closed on XX/XX/XXXX my escrow co sent funds for XX/XX/XXXX-XX/XX/XXXX along with they paid the property taxes in addition to Statebridge paid .
Im not sure why the mortgage does not report my taxes paid on my XXXX, as they are paid through my escrow account on my mortgage. Im hoping that you would be able to assist me on getting my refund and a corrected XXXX.
|
| 05/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Made payment XXXX/XXXX/2016 by phone, it was never posted to my bank account, then get letter on XXXX/XXXX/2016 stating the check had been returned for NSF, I checked with bank and amount was never posted to my account, that had at ampule amount to cover payment, also the amount they stated was NSF was not what was charged on that phone payment, they add XXXX charge and and the letter letter only had XX/XX/XXXX regular payment amount, we paid the property taxes ourselves, because the mortgage company did not, but they show on their records they did, they 've added late payments each month, which were not, they will not send statements, we have asked several times, we were discharged from Chapter XXXX on XXXX XXXX, and they still will not discuss with us any information on our loan.
|
| 04/24/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I had a previous complaint against Statebridge Company LLC case # XXXX XXXX which they admitted fault and sent an email saying they contacted and corrected the reporting and asked to remove all negative reporting because the loan was current, So I tried again to refi and they only removed the XX/XX/XXXX Lateness, They left the XX/XX/XXXX Lateness on and ADDED a XX/XX/XXXX120+ day lateness to my report, Their faulty and sloppy reporting is costing me money as interest rates are going higher by the day, I've started this Process in XX/XX/XXXX its now Almost XX/XX/XXXX ... .. everytime I contact Statebridge they tell me I have a 5 Business day to get a response, This is so Unfair to me and unprofessional of Statebridge, They don't even deserve to have a banking license!!!!!
|
| 08/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX/XXXX/15 we submitted a complaint against Statebridge Company for violating the rules pertaining to prompt-payment crediting to a consumers account. In response to that complaint Case # XXXX Statebridge submitted a fraudulent document to the CFPB. This document is unsigned and has never been seen by or sent to XXXX XXXX XXXX XXXX This alleged " Modification Agreement '' is a fraudulent document and was invented and produced for the purposes to mislead the CFPB in their investigation. We believe the there should be a criminal investigation in regards to this submission of this fraudulent document. If this document is authentic Statebridge should produce a signed copy showing XXXX XXXX signature on this document.
CFPB PLEASE SEE EXHIBITS FAXED DOCS FAXED TO XXXX
|
| 07/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Complaint is against Statebridge Company for poor customer service. Refinanced my primary residence mortgage. After funding on the refi on XX/XX/XXXX, I noticed that my regularly scheduled payment with the servicer ( Statebridge Company ) came out of the account the following day. I required about the refund process on XXXX via email to the email address advised to contact ( XXXX ). No response a week later, so sent a follow up email on XX/XX/XXXX. No response a month later, and sent an additional follow up email on XX/XX/XXXX. My account is still debited for the XXXX payment and I am simply trying to get resolution on if I am due a refund as the payoff for the refi had interest up until XXXX and from what I can tell from my XXXX payments the interest is in arrears.
|
| 03/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
No assistance has been offered to avoid foreclosure during this COVID pandemic.
I received a notice of foreclosure dated XX/XX/2021 from their attorney on XX/XX/2021. I contacted the attorney to verify debt and they will send out information to confirm debt. I then contacted the Company on XX/XX/XXXX via email, they responded to my email requesting on XX/XX/2021, my phone number. I sent the information on XX/XX/XXXX and I have not heard anything from mortgage company. On XX/XX/2021, I spoke to someone from the company 's collection department and she stated she would call me back to see if payment arrangements would be acceptable. As of this date, I have not heard from the company 's collection or loss mitigation departments to assist me in avoiding foreclosure.
|
| 12/19/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I refinanced my mortgage and Statebridge was paid on XX/XX/19. I called them about receiving my escrow refund and they told me it could take 30 days. Here it is at 32 days and I still don't have my refund from my escrow account. When you call them you are on hold for 15 minutes or more every time, who has time to hold that long while at work?
They are awful. They changed bank accounts and did not notify me and one month my payment was returned to me which I immediately turned around and sent back to them but my credit report was hit for this. I spoke with someone who said they would do a letter to the credit reporting company and they did, send it to one but not the other two! Why would they not send copies to all consumer credit reporting agencies?
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I was furloughed from my job. I immediately called my mortgage company, Statebridge Mortgage Co, to make them aware of the situation. I paid my XXXX mortgage on XX/XX/XXXX ( late if paid after the XXXX ). On XX/XX/XXXX they submitted on my credit report that I was 30 days late. This is NOT true. I then filed for a 90 day forbearance which they never filed ... so I decided just to pay the mortgage. Ive spoke to them and they agreed to remove the comment from my credit report ... but havent done so. This has impacted my credit score ... 4 of my creditors have decreased my limits so my CREDIT UTILIZATION has gone WAY UP. So my score has decreased! If you look on my credit report I have ZERO LATE PAYMENTS .... except this one. Can you please help?
|
| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
To whom i t may c oncern : Statebridge Company made a major error on my account ( see attachment ). This error caused m y credit score to plunge XXXX Points. Statebridge cl aimed that I have been 60 day late when in fact I 've never been 60 days. I was 1 day late for the month o f XX/XX/XXXX because XX/XX/XXXX was on a Monday when we attempted to pay on Friday XX/XX/XXXX . They need to contact both major credit reporting agencies immediately and have this corrected. I 'm applying for a home loan and this bad information will cost me a ton as a result of interest rate or being disapproved. I 'll need to hear back them soon I will file a complaint with the OCC and the Consumer Protection Bureau an d sue for any damages. - XXXX XXXX
|
| 02/15/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have contacted the company multiple times to have the escrow payment adjusted to the correct amount. I have been told to email the escrow department which I have with no response. I have been hung up on, argued with and told that I could not talk with a supervisor. ( by XXXX on XX/XX/2017 at XXXX ). I have also been told there is no phone number for escrow and I would have to write a letter. This is not the only issue I 've had. Statebridge bought the loan from a prior servicer and did n't have the hazard insurance information follow the loan. I spent months trying to sort that out. I did not sell the loan and I am not an employee of theirs, there is no reason I should be spending time and money chasing things down for them. Loan # XXXX
|
| 11/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/2019, I refinanced my home loan. The previous company handling the loan was : Statebridge Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Statebridge Company , LLC, ( the former loan servicer ), has {$12000.00} and {$820.00} in escrow funds that they claim has been dispersed on XX/XX/2019, but I have not received the funds.
My concern lies in that repeated e-mails go unanswered, and telephone representatives can only repeat that their records show that on XX/XX/2019, the funds were dispersed. They are unable to tell me to whom and in what manner.
An additional concern is that a check with the XXXX XXXX XXXX, they have a " D '' rating and a current alert, for their history of complaints, and unresponsiveness.
|
| 09/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account.
|
| 09/15/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, my mortgage was transferred to StateBridgeCompany. The summer property tax payment was due at the end of XXXX. They did not pay this on time. The city charged my account a late fee of 0.5 % of the amount owed, coming to XXXX. StateBridge finally made the property tax payment on XX/XX/XXXX, including the late fee and charged all of it to my escrow account.
I called them at least 6 times in the past month to find out why they charged the late fee to my account, and they have yet to resolve the issue. More than once they promised to call me and have not. I sent them all the information they requested to their escrow department, I left messages for the supervisor to call me back, all to no avail.
|
| 02/14/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason.
My credit report shows that XXXX XXXX reported a Late Payment to XXXX for a XX/XX/XXXX payment.
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ), via XXXX and Statebridge did not correct it.
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home.
I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.
|
| 05/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX, our XXXX was XXXX under Chapter XXXX by the Bankruptcy Court in the XXXX XXXX XXXX Florida. Said mortgage was recently sold to Statebridge Company, LLC. on XXXX XXXX, XXXX.
Today, XXXX XXXX, XXXX, we receive the first mortgage statement and it lacks the acknowledgement and language that the mortgage was discharged in XXXX and is in direct violation of the Fair Credit Reporting Act ( " FCRA " ) and Fair. Debt Collection Practices Act ( " FDCPA '' ), I am attaching a copy of the bill received as well as a copy the Bankruptcy discharge.
I am requesting that Statebridge Company, LLC reflect our Chapter XXXX Bankruptcy discharge on our account.and abide by the law.
Thank you.
XXXX XXXX
|
| 04/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Recently, in XX/XX/XXXX, our home mortgage was discounted ( sold ) to Statebridge, LLC. Statebridge failed to pay our property taxes from the escrow account in XX/XX/XXXX, costing us {$1.00} in taxes. As a matter of fact, Statebridge waited until XX/XX/XXXX to pay the property taxes which are due each XXXX.
Our accountant has advised us that this company has really made a huge mistake and should be held responsible.
Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain!
We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.
|
| 03/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Statebridge company LLC this mortgage company do not cooperate with anybody or anyone.
After I fell in foreclose I did everything to try to save my home. Every where I went to do the harp program I did qualify for this program. But statebridge say differently. After reviewing all my income for this qualification which I got a proof. Statebridge still say no. So I did what anybody will do. Get it for short sale. They still gave short sale center an hard time for there cooperation. They refuse to help the short sale center for any information that they made need. Please help me Because I have a sale date for XXXX XXXX, 2015. I want to same my home and making the suitable mortgage payment. Thank you ....
|
| 04/13/2020 |
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
|
|
Web |
|
|
Loan was discharged in XXXX Bankruptcy Statebridge purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB Statebridges records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction.
I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
|
| 06/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help.
|
| 07/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
As of XXXX XXXX, 2016 XXXX XXXX sold the servicing rights to my mortgage to a company called XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Co.
XXXX. I have made numerous phone calls requesting monthly mortgage statement and as of today XXXX XXXX, 2016 I have not received statements for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX payments already paid. This is not acceptable. I want monthly statements reflecting all required infomation ie, balance, date payment received, allocation to interest/principle, escrow balance etc.
The last phone call I made to the company a customer service person said they are having trouble with a new " Vendor ''. I still have no statements. Please help
|
| 08/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was transferred from XXXX XXXX XXXX to Statebridge Financials LLC on XXXX/XXXX/2016. My credit score dropped XXXX points due to the transfer, which I hoped would recover after Statebridge reports my on-time payments. On-time payments in the full amount with some payments with additional escrow have been made for XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 and XXXX 2016. None of these on-time payments have been reported by Statebridge to the credit agencies and therefore my score is well below any fair assessment and access to fair credit. By not reporting these on-time payments, Statebridge locks me into high percentage loans which otherwise could be refinanced.
|
| 09/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contact this company on several occasions and XXXX has also been disputed. I sent a letter to the Statebridge collection company asking them to validate the account, send me contracts, etc. Without any answer. XXXX tells me that this company has reported different information on several occasions. First the amount was {$7800.00} and now they reported {$15000.00}. They have also reported different open dates.It 's frustrating because I'm trying to buy a house for myself and my son and for this account I can't qualify. I have done everything to solve this problem. I communicated with XXXX and nothing. I need help.
XXXX XXXX XXXX Statebridge Company Number # XXXX Reported by XXXX
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dear Statebridge, Attached please find Response letter from XXXX XXXX XXXX XXXX , XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX
We have been advised that Statebridge Company transferred servicing of account # XXXX to XXXX XXXX XXXX who sent the attached IRS Form 1099A.
It appears that per the attached XXXX Loan Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 06/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our house of 15 years was sold from under us! Our second mortgage, Statebridge, said that they'd work with us to prevent foreclosure ; jjust needed to submit their Loss Mitigation. Which we did! Regardless of their additional requests for documents, we did it! We have XXXX kids on XXXX different schools, and while their father, my husband, was recovering from a XXXX, and my eyes were worsening to XXXX XXXX ( XXXX XXXX ), we did it!! And I s/b finally receiving XXXX ( I have a phone hearing with XXXX XXXX next month on XX/XX/20 ). It is my understanding that Statebridge bought the first mortgage from XXXX XXXX and maybe it's because they wanted to foreclose on us.
|
| 06/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan was sold to State Bridge Company from XXXX. I can not get anyone to answer my phone calls at State Bridge. I have spend well over an hour on hold for days at a time. I leave messages and the messages are never returned. I filled out the paperwork to have my mortgage payment to be taken out of my bank account every month. The first month the money was not taken out and I spend over a week calling. I finally go ahold of a person and my mortgage was taken out of my bank. My second payment still has not been taken out and I can not get ahold of anyone!!! This is so frustrating. I do n't want to pay online because I fear that I will then be double charged. Help
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After long hold times, I was able to make a payment by phone on XXXX/XXXX/2016 for my XXXX mortgage payment. I received a confirmation number for same-day payment. I saw the bank draft on XXXX/XXXX/2016 on my account. Statebridge credited my account on XXXX/XXXX/2016 and charged a late fee. My payment on XXXX/XXXX/2016 also included an additional amount towards the principal. This amount shows as " credit '' and as of XXXX/XXXX/2016 has not been applied to the principal. In summary, Statebridge charged a late fee even if the payment was not late ( I have a recording as proof ) as well as avoided to deduct the additional principal amount towards my mortgage.
|
| 11/30/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
we have had XXXX XXXX as our lender on our first and second mortgage for over 20 years about 2 years ago they sold both our first and second mortgage to a company called Statebridge Co. in Colorado we made our payments on time and then the first week of XXXX we got a letter that the said the mortgage had matured and that we had untill- XXXX XXXX to pay {$320000.00} in full or they will foreclose on our property we have tried refi with them but they wont listen at all any help would be nice also they had both our mortgages but about a month ago the sold our XXXX mortgage to XXXX servicing about 3 weeks ago. We need some help they are totally uncooperative
|
| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have tried to have the bank process a modification application for us, for over a year now! We have sent several applications, the last pa jags was sent off in XX/XX/2020. Since we sent off the modification application, we have not heard from the back, neither by letter nor phone calls. We have been calling at least Ive every week in the past month, and everytime we call, the automated system asked us to hold and that we will be answered in less than one minute. However the wait had been from 1-2 hrs and each time we have to hang up because no one answers the phone. So we do not know what is going on, nor the status of the modification application.
|
| 08/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Statebridge Company or one of it 's employees cashed a check for {$3100.00} that was sent to them to be applied to my escrow account. I have called daily since check was mailed to them and have been told they had not received it. The check was issued by XXXX ins and they confirmed today that they check was cashed XX/XX/2016.After speaking with XXXX different representatives and I confronted them with the fact that they had, indeed cashed the check I request to speak with customer service manager and was instead transferred to the insurance department. They have refused to respond to my written request to apply funds to my escrow account as request.
|
| 02/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I spoke with " XXXX '', a representative for Statebridge Company, regarding the fraudulent placing of forced placed insurance on my property. I was informed by XXXX and a Team Leader, " XXXX '', that a check was sent on XX/XX/XXXX to reimburse me for the total amount I was wrongfully charged, beginning in XX/XX/XXXX thru XX/XX/XXXX. It has now been 15 days since Statebridge allegedly sent payment for reimbursement and to date, no payment/check has been received by me. In addition, Statebridge has not formally notified me in writing of this ongoing issue and how it plans to remedy their false assessments for forced placed insurance.
|
| 07/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan modification end of XX/XX/2019. I was informed via a letter that STATEBRIDGE had a complete package and in 30 days I would receive an answer. I did not receive ANY ANSWER from them.
Furthermore, I called onXX/XX/2019, I was told to send an email to loss mitigation. I sent the email and received no answer. On XX/XX/2019, I spoke to XXXX, still no information available to me, and no answer.
The woman who is working on my file is XXXX. She has put no notations on my file, so I can not obtain any information. Furthermore, XXXX says well your current on your mortgage. What difference does that make if I need assistance?
|
| 06/18/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have undergone life saving treatment for health issues. I have tried to resolve all mortgage issues with my previous mortgage servicer XXXX XXXX. We offered to resolve debt for a short payoff. We offered them the amount of the value of the interior appraisal. It was not until XX/XX/2022 that I was informed by XXXX XXXX that they transferred mortgage to statebridge. Secondly, the foreclosure was prosecuted without standing. Lender had to ask the court to vacate their judgement of foreclosure and sale and reinstatement a new judgement and change the name of lender. Lender should have requested foreclosure be dismissed.
|
| 12/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I received a billing statement for my mortgage ( # XXXX ) for payment due on XX/XX/XXXX. Statebridge Company, the service ( r ) of my loan, has fraudulently assessed me for forced placed insurance even though I have provided them with proof of coverage ( insurance ) on more than one occasion. Each billing statement I continue to receive, listing charges for unnecessary forced insurance, will be considered a separate count of fraud.
Statebridge Company has reported my account as being delinquent, to the credit bureaus, causing my credit score to drop 49 points. This is causing me to suffer financial harm.
|
| 03/04/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I bought this property at auction in XX/XX/XXXX, from the company that was holding the mortgage. I don't know how Statebridge ( Account ID : XXXX, XXXX XXXX, deceased ) got involved, but I suspect it was handed over to them for collection before the property was foreclosed on. I have talked to them several times. I thought they had resolved the issue because I had no phone calls or mailings for about six months. Then, I received another mailing in XX/XX/XXXX.
As the former owner is deceased, they won't discuss the account with me, the current owner, but they have had no issue with harassing phone calls and mailings.
|
| 02/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Statebridge Company has reported my mortgage payment as being " late more than 30 days '' when no such thing occurred. Statebridge had wrongfully charged me for forced placed insurance and has since admitted to this " mistake '', to put it lightly. The correct and on-time payment I sent for XX/XX/2018 was accepted by Statebridge but not applied to my account, claiming the funds were insufficient due to their wrongful assessment for forced placed insurance. The reporting of my account being delinquent, to the credit bureaus, had caused my credit score to drop by 49 points, severely effecting my creditworthiness.
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XXXX sold mortgage to statebride on XX/XX/XXXX ( last XXXX payment ). ( XXXX owes me advance because i have over paid mortgage XXXX ) XX/XX/XXXX statebridge sends me first invoice and it says i owe XXXX XXXX fees.
Around XX/XX/XXXX to XX/XX/XXXX XXXX sent me a check for XXXX that they owed me for overpayment. tried to get statebridge to correct but they never did in the five years they had the mortgage and in XX/XX/XXXX sold the mortgae to XXXX XXXX who is still charging me XXXX plus other fees. I finished paying off my mortgage on XX/XX/XXXX but i am still receiving invoices every month for monthly payments.
|
| 08/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I Have 2 complain against Statebridge Mortgage company : 1 : my loan is due on the XXXX and past due after the XXXX, I get calls some times 3 times a day including Saturday and Sundays after XXXX of the month telling me my loan is late and must be paid immediately. I have called and wrote to them several times and this practice has not stopped. For your information I pay my payment on the XXXX and never been late on this loan. 2. Their on-line payment does not confirm if you have paid and if you accidently pay more than once, they will not cancel the additional payment even though still has not been processed.
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| 09/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
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Dear Statebridge, Re : Property Address XXXX XXXX XXXX XXXX, Florida XXXX Loan Account # XXXX Attached please find the XX/XX/2016 NOTICE OF ASSIGNMENT SALE AND TRANSFER OF SERVICING RIGHTS letter from Statebridge Company LLC.
AS XXXX XXXX HAS NO RECORD OF LOAN ACCOUNT # XXXX IN THERE SYSTEM PLEASE ADVISE THE STATUS OF LOAN ACCOUNT # XXXX.
ATTACHED IS THE XXXX TO XXXX LOAN PURCHASE AGREEMENT AND LOAN SCHEDULE FOR LOAN ACCOUNT # XXXX.
PLEASE NOTE THERE IS NO LOAN ACCOUNT # XXXX NOTED ON THE XXXX LOAN SCHEDULE.
WHAT IS THE STATUS OF LOAN ACCOUNT # XXXX?
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
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| 05/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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When I make my payments before the due date, the mortgage lender is rejecting the payment without even attempting to pull the money from my bank account. After the due date passes they are contacting me regarding late payment, assessing a late fee, and then accepting and processing my payment. To this point they have waived all of the late fees assessed, but I am concerned their actions may impact my credit rating or the status of my loan. They also sent back a huge portion of my escrow account, then increased my monthly payment by several hundred dollars to cover my now outstanding insurance payment.
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| 09/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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|
Web |
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I refinanced my loan with another company and closed on XX/XX/2018. I have yet to receive my escrow monies in the amount of XXXX from my old company Statebridge. I called on or about XX/XX/XXXX and spoke with a woman named XXXX who stated I could not talk to anyone in that dept, but she would open up a inquiry and call me back when she received an answer. I asked to know when it was being sent to me. After no communication I called again on XX/XX/XXXX and spoke with XXXX who told me it was still being processed and could give me no date on a issue. She did verify my refund amount at the XXXX.
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| 10/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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Web |
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i took out a second loan in XXXX for XXXX with XXXX XXXX the company went bankrupt and i had made payment up until tie company went under in XXXX never heard anything again until this year someone showed up at my foot saying i defaulted and wanted me to pay {$130000.00} and they were threatening to foreclose on my home and have been threatening me harassing me and stressing me out I do not agree with this and the amount they are trying to collect please help me it does not show on my credit and has not it also my first mortgage has no knowledge of this and say they are they only leon holders
|
| 05/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Problem with customer service
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|
Web |
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Statebridge debt correct has hit my credit an droped it saying i was 30 days late on a payment i tryed to reach them for monthe no answer to emails calls or call backs to take my payment tryed to pay on line and saids we didnt have your info so i reach out to XXXX to get them to contact me still no calls got plent of paper trails where they tryed also to reach out to them. Finally got a call back an was told sir im not here ro fix ur mistakes and no you can not talk to my boss, so i need this credit issue fix cause they finally took my pyments after yelling am cussing an they hit me again
|
| 12/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
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I had spoken to XXXX XXXX XXXX on several occasions about my monthly statements and how I could receive them. Around the same time our mortgage was going to be transferred. I asked him if our credit file with Statebridge could be deleted, he requested that I send in a letter asking for the removal of the negative information, which he assured me the account would be removed. I did this in XXXX 2016 and got no answer, I also disputed the fact with XXXX XXXX credit reporting and have not received a response. XXXX XXXX states that their investigation has been completed but there is no update.
|
| 07/20/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
The second Mortgage did and illegal foreclosure sale on XX/XX/2021 2 bidder bided and not one at this date own my property but me and I am in limbo about this mortgage company State Bridge it only had my note for 0ne year, just because it change servicer hands from XXXX XXXX up to now I do not know at this time what action to take I have being residing, in my home for 20 years + their has been many complaint about this company State bridge wrongfully foreclosing illegally on the second mortgages of other their should be and open investigation asap..
Sincerely Yours Concerned Client
|
| 11/16/2018 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have not been satisfied by the lack of customer service from Statebridge Company. My home sale in XXXX, Tennessee was closed onXX/XX/2018 and both myself and XXXX XXXX of XXXX, Tennessee, requested but never received a letter from Statebridge stating my mortgage loan was Paid in Full. In addition, after nearly three months Statebridge still has not updated my credit reports to reflect this loan had all payments in good standing ; balance paid in full ; and mortgage loan account is closed. This lack of action did not happen with my other mortgage company involved in this home sale.
|
| 10/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The property in question was sold through a short sale in 2008. California has since outlawed the collection of a deficiency balance for a primary residence after conducting an approved short sale. Collection of this debt is illegal under California law and this company is now bringing it back and damaging my credit some 15 years after this transaction was completed. Unfortunately, given the age, I am no longer able to locate documents from the completed short sale though they have sufficient records to confirm the loan was closed and lien released based on an approved transaction.
|
| 07/23/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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NOTICE OF ERROR/REQUEST FOR INFORMATION Initially I requested a loan pay-off for my investment property.
I made the request on XX/XX/2022. To date, I have not received a loan pay-off. Under 15 U.S.C. 1639g, A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower.
I'd planned to refinance this loan but this company 's ( Statebridge ) negligence in furnishing the requested documents has caused me a delay.
|
| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
I paid the 2nd installment of my XX/XX/XXXX-XX/XX/XXXX property tax in the amount of {$2700.00} in XX/XX/XXXX. I did it so I can claim it as an itemized deduction on my XX/XX/XXXX Income tax return. If I did not pay it, the mortgage company will have to pay it because there is an escrow account in my mortgage to pay the property tax. The mortgage company admitted there was an excess in their escrow account and mailed me a check for {$1000.00}. This is {$1600.00} short. There is no reason for the mortgage company to hold on to this {$1600.00} shortage.I want all my money back.
|
| 04/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had my XXXX mortgage with XXXX for the past 10 years and have not had to pay a fee to make online payments. My loan was recently sold to Statebridge Company, LLC. XXXX charges a {$5.00} fee to make online payments. I called to inquire about having this fee waived and I was told that they are unable to waive it unless my Mortgage Note states that there is no fee to make payments. Being in the mortgage industry myself, I know that Mortgage Notes do not state such information. I would like the {$5.00} fee to make online mortgage payments waived indefinitely on my loan # XXXX.
|
| 04/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My original loan company transferred my loan to a new servicer who received all transfer payments for my loan account, but have not applied them to my account. The new loan servicer received and deposited the check payment on XX/XX/21, but never applied it to my account and then reported my account delinquent to the credit bureau. I have called and emailed on countless occasions and still have received no resolution to date. I also made an additional payment on my account & that payment wasnt applied as a regular payment but as an additional principal payment.
|
| 08/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I would also like to bring to your attention the, for lack of better words corrected kindergartener 's homework of a assignment of mortgage ( see attached ). To say the least this legal document filed with the County of XXXX of Arizona is BEYOND questionable.
I do not know a XXXX XXXX, the date of the loan is incorrect, the amount of the loan is incorrect, the state and county are incorrect. Yet my information appears in much smaller font below ... ... honestly, is this a joke? Did Statebridge Company LLC ever have the legal right to own/service my loan?
|
| 07/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have made three requests for the PMI Insurance to be removed from my primary mortgage. Two have been in writing and one verbally. Every time I inquire about this, they claim they 'd not received my request and to send again. During our latest conversation, they 'd requested that I submit another request. Clearly, this company has no intention of following the law according to The Homeowners of Act of 1998. I am asking that the company, Statebridge, be compelled to follow the law. Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX
|
| 08/14/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
State bridge co have tried to negotiate but stop at every point asking to speak to debts holder or somone besides XXXXXXXX XXXX but no not updating or f awarding of offer to debts holder a Forclousure date is set for XX/XX/2023 no matter what offer is made XXXX XXXX rejected. After the new mortgage survives have been delt with now another sale date of XX/XX/2023.
There has been no update to show we made offer and no response to speak to anyone else everything is faword to XXXX XXXX and he told me he dont want to negotiate or resolve the problem
|
| 02/24/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
|
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I am past due 2 months on my mortgage due to no employment. I will be 3 months past due in XX/XX/XXXX. As I spoke to my mortgage company earlier in XX/XX/XXXX they stated that I needed to come up with {$4000.00} to stop any foreclosure process- I explained my situation and advised I can pay XXXX payment now- THey refused my payment and stated that even if I send it in they will not post it and they will send the check back- I sent a payment of {$950.00} on XX/XX/2017 and as of today XX/XX/2017 nothing has posted as I check the website daily.
|
| 04/29/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hello, I paid a second off years ago in an agreement, they claim they never received the check, but I provided proof I sent it. Now they are trying to foreclose on my property. First, I tried calling them and just got automated services.
I had hire an attorney to stop it the forecloser, but looked them up and they have a criminal record. both the president and CFO of XXXX XXXX XXXX XXXX are in jail for fraud.
Now I again offered to pay them and they are trying to ask me for 5 times as much money.
I need help in what to do next.
|
| 02/12/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Statebridge company calls repeatedly and has reported my debt unpaid for 60 days.
I paid online in XX/XX/2020, but requested information to pay without incurring a {$5.00} processing fee.
I was directed to use bill pay.
I paid {$190.00} on XX/XX/XXXX I paid {$95.00} on XX/XX/XXXX These were processed by bill pay through XXXX XXXX. I have the records on my bank statement.
Statebridge does not have any way to contact them. They keep customers on indefinite hold and have a fake answering machine service and is impossible to access.
|
| 03/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Late fees from XX/XX/XXXX have been assessed to my account and Statebridge is unable to tell me what the fees are from. Statebridge took over servicing my loan, without my knowledge, and the servicer-XXXX XXXX- I used when buying my house states that the loan was " bought out. '' On XX/XX/XXXX I called and asked Statebridge for explanation and they were not able to explain it clearly ; telling me I would have to contact the loan company-XXXX XXXX-because the fees are originating from when the loan was serviced by them.
|
| 05/22/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX XXXX 2023 I closed on loan number XXXX with Statebridge Company LLC that took over the loan ( 1 ) month before I sold the home for this loan. Statebridge Company LLC stated to me they reported to all ( 3 ) credit bureau which is not showing on any of the ( 3 ) credit bureau 's. I need it to show I had the loan with Statebridge Company LLC in the amount of {$67000.00} and that it was paid in full. Attached are the closing statements and a letter from Statebridget that they had my mortgage.
|
| 08/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I closed our refinance with XXXX on XX/XX/2020. I checked on the status of the escrow balance with Statebridge LLC on XX/XX/2020 and noticed that it still reflected a credit balance. I called them at XXXX Central time and was informed that the loan was not paid off until XX/XX/2020 and they will send the refund within 30 days. Today, on XX/XX/2020, I again checked on the status and it still reflects a credit balance, but the account is inactive. Escrow : {$430.00} and Unpaid balance of ( {$200.00} ).
|
| 06/15/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to make my regular mortgage payment and the lender refuses to accept regular mortgage payment due to carryover late fees from a prior lender. They are trying to collect those fees by altering my fixed mortgage payment. Now they refuse to accept my regular mortgage payments. I explained to them at this time I could only make my regular mortgage payment of XXXX and they refuse to accept it. They said they could only accept XXXX. My payments to this lender Statebridge Co has never been late.
|
| 04/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act.
|
| 11/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2019 I attempted to make my monthly mortgage payment to Statebridge Company via their online payment processing feature on their website. I have done this every month.
I was not able to make my payment as my mortgage account is listed as inactive and my account history shows a service release as of XX/XX/2019.
I have not received an email or letter to notify me of the possible selling of my mortgage and am currently left with no knowledge of my mortgage status or payment instructions.
|
| 11/06/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Im on a fixed loan. My payment almost doubled from last year. No one at statebridge will help me. I keep telling them theres no way this is right and they tell me to refinance my loan. But could not explain why my payment went from XXXX a month to XXXX and I have had other people look at it for me and they all say there is no way this is right. Im XXXX and only get XXXX a month so Ill lose my house. Ive never missed or been late on a payment. Please help!! Im scared and this place is all I have
|
| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
we have house mortgage with State bridge company, as recently due to COVID-19 i have lost my Job. I have reached out to the Mortgage company to keep the payments on hold per the recent announcement until the pandemic resolves. But the Mortgage company ( state bridge company ) rejected my request as the investor on my loan is private investor. they have suggested to hold untill couple of payments but not untill the COVID-19 pandmic ends. I would request CFPB help us in resolving this issue.
|
| 02/07/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Refused a payment so I could get caught up on one payment. They said they already sent out two letters of intent to foreclose ???? Why would that be if only late 1 month now all sudden 3. Never received said letters or notifications. This morgage sold by XXXX last year and already increased morgage due to increased escrow but my ins company denies any increase. Also delays in check processing on their end givescynfair late fees. They want 3 months morgage totaling over 3000.00 in 3 weeks
|
| 03/13/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
fee that I have been charged for my XX/XX/2018 mortgage. I made my payment on XX/XX/2018 with XXXX. Please review this and reverse these charges. Loan # XXXX. Also, I was told that my escrow acct was under its scheduled budget, and that you had to adjust my paymentd to compensate for the shortage. Yet my property taxes were paid twice and you received a refund for that double payment. So I need to have my mortgage payment reinstated because the shortfall was refunded to Statebridge Co.
|
| 08/22/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Statebridge had agreed to a settlement verbally between my realtor the buyer and the loss mitigation agent. Now they are requesting 3times the amount they agreed to. My house is in jeopardy of getting foreclosed on. Statebridge Company has a horrible XXXX rating and I have read through the complaints via the XXXX website. They are pulling the same tactics with me now.
They need to honor their word and commitment so my short sale can close.
Now I am requesting a QWR RESPA TILA
|
| 04/30/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After reviewing our credit reports from XXXX, XXXX and XXXX, we were shocked to see a firm called Statebridge stating that we owe them a mortgage debt. We never heard of Statebridge. Disputes have been submitted to remove Statebridge from our credit reports. Please help us keep Statebridge from attempting to cause us financial harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.
|
| 04/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX our mortgage with XXXX was discharged through Chapter XXXX bankruptcy. We received approval of the loan modification on XXXX XXXX, XXXX. Today, we receive a welcome letter from Statebridge, LLC, dated XXXX XXXX, XXXX, advising they are debt collectors but no mention is made of our approved loan modification which is current. Our concern is that Statebridge is not honoring the XXXX HAMP Loan Modification and we are starting all over again! Please assist!
|
| 07/18/2021 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
I was selling my home and my original loan mortgage was transfered from XXXX to a company called statebridge company LLC who has reputation of mishandling accounts and not responding according to past reviews. During the move and changeover I must have missed a payment date during the move of accounts but once I finally contacted the new company and they responded the balance was paid. Request this negative rating be removed from my credit report 's as soon as possible.
|
| 10/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I do not receive my mortgage statement until the day before my mortgage is due and they state they have n't received my payment and it has been 10 days since I snt them the payment. I requested they send me a book or send the statement out earlier and the lady told me that I need to work with my local postal service ... my husband is one of the XXXX..this is not the issue. They have told me know that I will be charged late fees if I do n't get my payment to them on time.
|
| 10/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
I filed a complaint XXXX about the practices of XXXX XXXX XXXX with the cfpb about their failure to return funds due my late brothers estate. In response their agent Mr. XXXX XXXX stated on XX/XX/2018 that a check, which I've yet to receive would be mailed to me on XX/XX/2018. I've tried call to no avail and am tried of this company giving me grief about this money not to mention that the amount they stated as due did not include funds held in the mortgage escrow.
|
| 08/13/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I've tired for a few months to make payments online since COVID-19 pandemic. Their website reflects no fees to make payment online ; however, when you try to make a payment on line the system has been in error code once you enter you username. You can not make a payment on line so you are forced to make a payment by phone which cost {$15.00}. There should be no reason why a company this large can not have their website up and running properly for over 3 months.
|
| 07/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan was transferred from XXXX to Statebridge. I have tried to call Statebridge many times with no avail. Statebridge is impossible to get ahold of. I have left several messages, but have only received one call back. I do n't receive correct statements, nor do I receive them on time. They are charging me late fees and my payments are not late. I need help to get this problem resolved. I do n't know how this company can be in the mortgage servicing business.
|
| 08/18/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid the wrong amount one month. I shorted the payment by {$30.00}, because I have an adjustable rate and it 's the first time it had gone up. I sent in the {$30.00} with my next payment. Now they are charging me late fees every month, even though I am paying on time. They insist that they ca n't waive the " late fee '' even though I was n't late, and have NEVER been late since XXXX sold them my mortgage! I was with XXXX for 20 years and never had an issue!
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently.
|
| 08/26/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
We recently sold our home and the XXXX mortgage company has yet to provide a closing statement. The proceeds are being in held in escrow without any communication.
Myself along with my attorney called the company several times along with sending communications.
The closing was scheduled for XX/XX/19 and was pushed out many times thereafter. The closing was finally held on XX/XX/19.
The name of the company is Statebridge Company XXXX.
|
| 06/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. statebridge bought loan XXXX 2016. also, there was a three month pa yment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
|
| 10/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Re : Proof of Claim filed in US Bankruptcy Court-XXXX XXXX XXXX XXXX No : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 08/17/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have been fired ( registration issue ) and trying to get back to work, I have tried to modify the mortgage, been in and out of bankruptcy, paid attorneys- uncovered huge errors with regard to escrow calculations AND crediting of payments ( including refusal to recast- which is a right included in this mortgage.
They are not sending me statements and will not give me information, AT ALL!! And I am in BK now. : ( ....
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.
|
| 06/08/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have tried to obtain mortgage statements and a payoff with the company. I am unable to get ahold of any representative. I question the legitimacy of this company. I have tried since XX/XX/XXXX and have not had any luck. I have called by phone, left voicemails that are unreturned, I am unable to get onto my account online. I have sent emails, and online inquiry request with no response. Just awful.
|
| 04/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Payment has been submitted to our lender via check via the mail. Lender confirmed receipt of check however admitted to holding the check for posting instructions. We have paid via check because the lender has a fee to pay over the phone and the lender has no website to pay online. This lender is difficult when calling to speak with a person everytime. Customer service for this lender is appalling.
|
| 08/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information.
It is impossible to speak to a person ...
I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan.
Not happy .... thank you, XXXX
|
| 07/07/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We received a trial modification plan which we paid. In XXXX, 2015, our trial modification was converted to a permanent modification. We made our Payments in XXXX and XXXX 2015. On XXXX XXXX, 2015, Statebridge sent us a Notice of Intent to Accelerate our loan, claiming that we were behind {$7700.00}. This is simply not correct. We are current on our mortgage per the modification agreement.
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Statebridge Co.
Have called XXXX in the last month about a mortage that I never had with them!
I thought the understood I dont have a mortage with them. This was a loan for a home in XXXX, Md.
We don't live or have any home in XXXX, Md.
Both call have been to my wife phone asking for me!
They didn't have my phone number?
They did give a loan ID. Number
|
| 07/20/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have made every effort to contact and work with Statebridge Company , LLC to no avail. I fully complied with their demands to reinstate my loan, loan no. XXXX, by sending certified funds for the full amount due, {$6100.00}, in the form of a Cashier 's check.
Unfortunately, Statebridge is non-responsive ; please refer to uploaded documents.
|
| 02/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2016 XXXX has transfer my modification loan # XXXX to XXXX XXXX XXXX. Since then XXXX XXXX is servicing my mortgage, new number is XXXX, but it is the same modification loan.
XXXX XXXX does not send any information to me regarding incentive payments. XXXX used to send me such information every month with my statement.
|
| 01/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
State Bridge Company They service my mortgage.
They rarely pay my taxes on time.
I put calls into their office and I am told they will create a " ticket '' and get back to me.
I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back.
|
| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Statebridge Company has and continues to not send my monthly mortgage statement on time, as of today, XX/XX/19, no statement has been received by me even though the payment is due XX/XX/19. This has been a common practice of Statebridge Company in order to assess late fees for payments not received on time.
|
| 11/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
STATEBRIDGE MORTGAGE COMPANY transferred mortgage servicing without notice to property owner. Made payment online for over 1 year. As of XX/XX/2019 No payment can be made online at : https : //www.statebridgecompany.com/XXXX Confirmed mailing address with STATEBRIDGE MORTGAGE COMPANY XX/XX/2019 via phone.
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have paid my monthly payment due on the XXXX of the month. Paid on the XXXX of month due to holiday. This company has repeatedly called my home phone for debt collection starting XXXX. My loan is current and up to date. I called they would not speak with me. I asked them to do not call anymore.
|
| 08/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sold my home and closed on XX/XX/2020 and was told I should receive my escrow fund refund within 30 days. It has now been 39 days and when I spoke to one of the customer service reps at Statebridge XXXX I was told that It could take up to 6 months which I believe is against regulations.
|
| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Statebridge Company has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.
|
| 12/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes.
|
| 11/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them.
|
| 02/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
They sent an act 91. I sent the one payment I was behind and the current payment that was due. I did not sent the extra fees. They returned my payment on XX/XX/XXXX. I sent it in on XX/XX/XXXX or XXXX. Please help.
|
| 01/04/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Started a refi in XX/XX/XXXX to consolidate debt and to pay off the account I have with them.
It is now XX/XX/XXXX and they still wont provide a payoff statement and have completely held up my refi as a result.
|
| 09/17/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have tried repeatedly to contact the new " servicer '' for my loan. Long wait times in excess of an hour, then the system just hangs up. Asked for callbacks, they never call. Sent numerous emails, no response.
|
| 11/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have Had an adjustable rate mortgage for about 15 years now this is a fairly new processing company and I have yet to receive the notice that my payment will be changing which normally adjust as of XX/XX/XXXX
|
| 08/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Late payment In XX/XX/XXXX of county taxes that had been in escrow.
Non reporting to Credit bureaus. Asking for reaffirmation of Bankruptcy when it's been done in XX/XX/XXXX XX/XX/XXXX
|
| 03/22/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I received a letter stating I owed {$24000.00} last year. This year they show I owe {$61000.00}. They are adding all the interest at 11 % since XXXX. They said the loan matured in XXXX.
|
| 11/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Loan was sold or transferred to Statebridge Mortgage.
They are not providing accurate information about account.
Shows I owe for two months when I have paid every month for 5yrs.
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage.
|
| 03/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I'm in the process of refinancing my home loan and my current mortgage company refuses to send me or the new loan company the payoff amount for my current home loan.
|
| 08/31/2023 |
Yes |
|
- Closing on a mortgage
- Fees or costs after closing
|
|
Web |
Older American, Servicemember |
|
Request Statebridge close the negative late payment listed at the credit bureau 's because it has been past seven years. Account listed since XX/XX/ XXXX
|
| 03/22/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
I should be at the end of the paperwork process with my loan servicer but my calls go unanswered and I believe they are stalling me to get my house.
|
| 04/19/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a land contract on my house loan was paid off XXXX 2016, deed ha s not been transferred to date. Contacted company to no results.
|
| 10/31/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am trying to work with my bank to modify the loan. They refuse to give me any help. They do not have to work with me, is what they said!
|
| 11/19/2021 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Company website never works and its very hard to make payments with this company.
|
| 09/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage Account Reported As Installment Loan to credit reporting agencies.
|
| 08/09/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Statebridge says I owe them {$17000.00}
|
| 01/12/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
Please see case number XXXX
|
| 02/13/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American, Servicemember |
|
|
| 01/18/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American |
|
|
| 01/18/2024 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 12/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
Servicemember |
|
|
| 10/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 09/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Phone |
Older American |
|
|
| 08/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 02/22/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 08/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/16/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Phone |
|
|
|
| 05/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/26/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 02/06/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
|
| 12/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 12/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/25/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 11/08/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 08/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/26/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
|
| 06/18/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 06/08/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Phone |
|
|
|
| 04/30/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
Older American |
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 03/09/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 01/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
|
| 01/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/31/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/30/2020 |
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
|
|
Web |
|
|
|
| 12/29/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/29/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/10/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 07/23/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 07/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/15/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/15/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 01/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 12/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 12/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 12/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/04/2019 |
Yes |
|
|
|
Web |
Older American |
|
|
| 08/26/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/26/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/30/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/10/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 04/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/02/2019 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/27/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/21/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/25/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/18/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/19/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/21/2018 |
No |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 05/18/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 02/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/22/2018 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 02/12/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/06/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 02/02/2018 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/23/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 12/20/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/13/2017 |
No |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 12/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 12/01/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 11/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/01/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/20/2017 |
No |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 09/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/31/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 07/20/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/06/2017 |
No |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/06/2017 |
No |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 04/29/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 04/10/2017 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 04/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/06/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/05/2017 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/03/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/28/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/15/2017 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 02/03/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/19/2017 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 12/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/01/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 11/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Fax |
Older American |
|
|
| 10/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 08/17/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 08/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American, Servicemember |
|
|
| 06/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 06/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 05/31/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 05/05/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 04/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/13/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 03/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 03/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/17/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 01/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 12/23/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Servicemember |
|
|
| 11/10/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 10/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 09/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 08/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/14/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 04/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 04/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 04/04/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 03/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 03/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 02/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/12/2015 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 01/10/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 12/26/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/15/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/15/2014 |
No |
|
|
|
Referral |
|
|
|
| 12/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/10/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/04/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/01/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 11/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/30/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 10/16/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/11/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/01/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/26/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 09/05/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/26/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/26/2014 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/04/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 07/18/2014 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 07/11/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/27/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/14/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/12/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/06/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/29/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/06/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 04/26/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 04/18/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/10/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/06/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 04/04/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/03/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 04/02/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/27/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/24/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/20/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/19/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 02/25/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 02/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/13/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 12/27/2013 |
Yes |
|
|
|
Postal mail |
|
|
|
| 12/20/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/31/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/28/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/15/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/07/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 09/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/23/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/16/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 09/05/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/20/2013 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 08/03/2013 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/17/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/15/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/09/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/26/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/21/2013 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/17/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 05/15/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 05/07/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/07/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American |
|
|
| 04/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/22/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/20/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/18/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/12/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 03/29/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/01/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/25/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/21/2013 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 01/17/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/05/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/27/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/19/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
|
|
Web |
Servicemember |
|
|
| 11/19/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 11/17/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/15/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/05/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/04/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/27/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 10/24/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/22/2012 |
Yes |
|
|
|
Postal mail |
|
|
|
| 10/19/2012 |
No |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/12/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 10/02/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/27/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/16/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 08/09/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/22/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/20/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 07/18/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/12/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/09/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/29/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/26/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/15/2012 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/13/2012 |
Yes |
|
|
|
Postal mail |
|
|
|
| 06/12/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/07/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/02/2012 |
No |
|
|
|
Postal mail |
|
|
|
| 05/23/2012 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/10/2012 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/16/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
|
|
|
| 04/10/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/07/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|