| 05/04/2020 |
Yes |
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Web |
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I started a mortgage cash out refinance on a manufactured home with Stearns Lending XXXX XXXX office in XX/XX/XXXX. I asked for cash out to pay off some debt, get away from mortgage insurance, to be able to complete some home improvements and we wanted to have payments around {$1900.00} per month.
XX/XX/XXXX The original documents are sent, but were incorrect as they were for a traditional loan with no mention that the home was a manufactured home, which I did not know at the time would not work for a manufactured home. It did not have the loan amounts we requested and other mistakes regarding length of employment not matching the information provided on the application I had submitted. I refused to sign the documents until they were corrected. They were never corrected, so remained unsigned until nearing what we thought would be the end of the process when we were required by the loan processor to sign incorrect documents or she would not move our refinance forward.
XX/XX/XXXX I received new loan documents for an FHA loan. Discussion about increasing cash out so we are not paying ridiculous closing costs and outrageous mortgage interest for not a lot of cash out.
XXXX XXXX received new documents for {$310000.00} loan, but estimated payment was {$1900.00} which was more than we wanted to pay.
XX/XX/XXXX appraisal is ordered.
XX/XX/XXXX appraisal is completed.
XX/XX/XXXX I receive a call from an appraiser stating he has been asked to complete our appraisal. I let him know we already had one and call Stearns to ask why we need another appraisal only to be told the first appraiser was not certified for FHA.
XX/XX/XXXX second appraisal is completed.
XX/XX/XXXX received rate lock with loan of {$290000.00} payment under {$1900.00} per month and estimated cash out of {$53000.00}. Things are looking good, but this is taking a long time and COVID 19 just hit.
XX/XX/XXXX received new loan documents with {$310000.00} loan, payments {$1900.00} which was ok because closing includes payoff of high interest debt. Cash out was {$42000.00} and rate of 3.625. Perfect!!! This is where we want to stay!!!!
XX/XX/XXXX documents are signed by myself and my husband. Perfect!!! This is exactly what we have waited so long for.
This is where the numbers start to get changed without any conference with myself or my husband. I notice on the loan info screen that the estimated payment went up to {$1900.00} per month. I question this and find out that someone in the XXXX office has estimated our homeowners insurance at {$300.00} per month which is 3 times the average for our area and the original estimated amount in the loan documents. I have been asked by the loan processor 5 times for our insurance information which I provided by email and telephone no less than 5 times. I provided documentation that our homeowners insurance is {$1000.00} per year which is {$91.00} per month. I find out that the loan processor has made contact with my husband s employer and disclosed that documents that he was supposed to sign had been missed. We found out from his employer before Stearns told us that there was a signature missed on one of the documents I had faxed in. I am absolutely livid ... .how dare she discuss anything other than his employment status. This is beyond unprofessional. She has now violated my privacy rights, she has ignored my responses to her questions to the point of harassment, she has changed numbers on documents we did not know about.
XX/XX/XXXX appraisal does not indicate required hurricane strapping on foundation. I dig back to XXXX files of appraisal from the original purchase of the home to supply appraisal report and photos clearly showing hurricane strapping is in place.
XX/XX/XXXX I receive documents with a different loan amount and lower payment that was explained off as the difference that changing our homeowners insurance correction made. I believe at this point that we are still paying off debt and receiving {$42000.00} cash out.
XX/XX/XXXX I call XXXX XXXX, manager at the XXXX office with my concerns that we have now had incorrect documents, multiple requests for information already provided, lack of communication, with his loan processor, multiple expirations and extensions including 2 credit checks, rate locks, supplying paystubs, bank statements again, and all he has to offer is to ask me if I want to cancel the transaction after months of working on it, and 2 appraisals that I will have to pay for. His offer was to look into it an call me in the morning. I do not hear from him until XXXX XXXX the next day.
We are now just days away from another rate lock expiration, I am an essential employee working in lockdown at our state employment department, attempting to navigate this mess that has gone on nearly 4 months into a national pandemic. I receive and sign documents that according to my knowledge, were additional documents required to conclude the loan at the terms we signed the papers for on XX/XX/XXXX. My understanding of what we were signing was going to give us what we had agreed to which is the payoff of the previous mortgage, a credit card, and a boat loan with just over {$42000.00} cash back at closing. At no time during this entire transaction did anyone sit down with us to discuss what all the papers we were receiving and being requested to digitally sign or fax and sign mean. When I hesitated and questioned why I would sign the original documents that were incorrect, I was told that they were not binding. At this point, we have already signed 8 different disclosures, provided multiple copies of documents via digital website and email.
I receive a call from XXXX XXXX wanting to make an appointment to sign closing documents. I have never been through a closing outside a traditional bank and expect that when the title company says they want to make an appointment to sign that the title company representative and a notary will be at the signing to go through each document and explain them to us as was the case when we originally purchased the house. The title company person tells me her office is closed due to COVID19 and they have a mobile notary that can come to me. I tell them that my office is also closed and I do not get home from work until nearly XXXX XXXX ( I live nearly 50 miles from town ) and that my husband will already be asleep as he works graveyard. We make an appointment for XX/XX/XXXX outside my office under the portico ( old bank drive thru that is somewhat protected ).
XX/XX/XXXX To my surprise when I exit my office doors, there is no title company representative and the mobile notary has papers spread out across the tailgate of my pickup truck in the open parking lot and she has my husband already halfway through signing what looked lied a ream of paper. She even made a joke about us winning for having the biggest file. At this point, I believe there is no choice but to continue with the signing. While I am trying to get through this debacle, the wind is blowing papers all around, there are notary stamps laying on papers, the stack is binder clipped so they can not be read, its so bright you couldnt read them anyway, the notary is pointing indicating where a signature and initials are required while carrying on a conversation with my coworker about LEGOs. There was no explanation of what we were signing, what our rights were, or what to expect at the end of this. Had this been handled professionally, I would have stopped the process as soon as it was explained that the loan terms were no longer what we agreed to when we signed the documents on XX/XX/XXXX. I would also have taken my right of rescission had that particular document been singled out or explained.
XX/XX/XXXX I find out that though all documents have been signed, we still need a foundation inspection. We are able to make arrangements to have my husband at home to let the inspector under our home for the inspection and are able to have the surprise {$600.00} fee taken from the loan payout.
I was given an estimated closing date of XX/XX/XXXX. All day, on the XXXX I was still receiving requests from the title company for help obtaining payoff information for the boat loan so they could fund the loan. At XXXX XX/XX/XXXX, I was surprised to receive notification from my bank of a pending deposit from closing that was nearly {$23000.00} less than what we had agreed upon. I immediately called my broker to find out what had gone wrong and what could be done about it. I sent an email requesting this be backed up and corrected. The next day I was told that XXXX XXXX, the manager at the XXXX office, had simply said it was too late.
My broker reached out to him to let him know what had taken place at closing and to ask to make this transaction right. He refused. I called Mr. XXXX the evening of XX/XX/XXXX and asked him to contact me XX/XX/XXXX to discuss what had happened and to ask him to make it right. Mr. XXXX has not returned my call. I have also sent an email to the corporate office of Stearns in XXXX XXXX, CA with no response.
My broker has reached out to the underwriter also and has had two phone appointments that have not been followed through with.
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| 09/10/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My husband and I first applied for a mortgage through XXXX XXXX XXXX on XXXX XXXX, XXXX. We wanted to build a new home with XXXX XXXX in XXXX AZ. We were told we qualified for the Home Plus Program and would be eligible for 3 % down payment assistance. We were conditionally prequalified based on information provided and needed to provide supporting documentation in order to receive an approval. Our prequalification letter stated a loan processor would be in touch. The prequalification letter also states that " it does not guarantee loan approval or is it a commitment to make a loan at the rate and terms stated ''. We were to be working with XXXX XXXX. We paid XXXX XXXX a {$1500.00} escrow deposit in two {$750.00} installments. I submitted the requested documentation in order to gain loan approval from XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I called and emailed asking on approval status. I did not hear anything again until XXXX XXXX, XXXX when we were informed that Home Community Mortgage was no longer in business, that it had been absorbed by Stearns Lending, LLC and that we would have to re-apply through Stearns Lending, LLC. We were also told that they would not be able to use the credit score that was pulled on XXXX XXXX because it was more than 30 days old. When our credit reports were pulled again, the pull resulted in both our scores dropping more than 20 points. When I was finally able to talk with a loan processor, I was told that my husband and I made too much money to qualify for the Home Plus Program and that we would need to come up with 3 % for the down payment. This upset us both because we feel this should have been addressed before we paid the {$1500.00} in escrow deposit money. We also felt that pulling our credit files twice was unfair as now we were working with lower scores and a higher interest rate with Stearns Mortgage. We did n't sign the loan application on XXXX XXXX, XXXX because the information I had given to the loan processor was listed incorrectly on the Uniform Residential Loan Application. My husband 's name was incorrect and my husband 's company name was also incorrect. We were told to sign anyway and it would be fixed, but I refused to sign until it was corrected. It took several emails and the information was n't corrected until XXXX XXXX, XXXX. That 's the first time both my husband and I docusigned the application. We had an appointment at the Design Center on XXXX XXXX, XXXX. We went into the design center to pick out the options for our new home. We reluctantly paid an additional {$1800.00} at the Design Center in spite of the fact that we still had not received a loan approval. Paying the additional money without yet having a full approval was very concerning to us both. I continued to call and email our loan processor to find out the status of our loan. I received no response until XXXX XXXX when the loan processor emailed to say he would reach out to me that night. I never received a phone call. I later found out he had gone on vacation and left without making contact. I waited until after XXXX to start calling and emailing him again requesting an update on the status of our loan. I was getting very nervous that the builder was breaking ground and starting to build our home and we still had not received a loan approval. The builder started building our home in XXXX XXXX. I did not receive any sort of response from the loan processor until XXXX XXXX, XXXX. The loan processor was requesting additional information from us via email. Also, we received a redisclousre package that needed to be docusigned. I let him know that the amounts listed were incorrect. He did not have the accurate amount listed for our escrow deposit and he still had the original loan amount before the selections at the design studio listed in the paperwork. He had not updated any of the documentation at all in the time since the amendment to the purchase agreement was signed ; which was XXXX XXXX, XXXX. We also received an email on XXXX XXXX, XXXX stating that we would need to close my husband 's previous self employment company. My husband and I thought this was an odd request seeing as he was no longer self employed and closing the business at that time would close the door on a future income from side and weekend work. We told the processor we would not be closing the company and were told that in order for the loan to be approved through Stearns this would have to be done. I was so beyond frustrated at this point! In addition to the news about the LLC, we received a closing addendum showing that we would need to come up with approx. {$5000.00} more than we were originally told. My husband and I decided to seek a second opinion and met with another lender on XXXX XXXX. We were told that we would not need to close the company business. So, we started the loan process with the other company. We received a prequalification from them as well and started to move forward with an approval. I emailed Stearns Lending on XXXX XXXX, XXXX to inform our loan processor that we would not be moving forward with a loan through Stearns only to receive an automatic reply back stating they had moved to a new company which was now XXXX XXXX XXXX XXXX, an affiliate of XXXX XXXX and Stearns Lending LLC. So, I forwarded my email onto the new address also to be sure they received it. My husband and I also received packets in the mail that same day with new lending documents inside. The amounts listed on those brand new loan documents were STILL incorrect. None of the amounts had been updated ; even after I had brought it to their attention several times. I received no response from my email to XXXX XXXX at Stearns Lending or XXXX XXXX Loans. I also forwarded that email to our sales rep at XXXX XXXX and she said she forwarded it to her sales management, but I received no response from XXXX XXXX either. In trying to work with the new lender, we needed to get information and final numbers from XXXX XXXX so we could get a loan approval. The new lender emailed XXXX XXXX several times requesting the final amounts and paperwork and it was n't received until XXXX XXXX. When the new lender calculated the numbers and costs associated with the loan, it ended up that we could not afford to continue with the home build. We did not have enough money for the down payment and closing costs. He could not approve us. We reached out to our sales rep at XXXX XXXX to get our deposit money back but they refused. The sales contract we signed stated that the deposit money was refundable if we did not receive loan approval. They still refused to reimburse us. I called and asked to speak with the regional sales manager, XXXX XXXX. He and I spoke via phone on XXXX XXXX, XXXX. He stated that there would not be a refund given to us because we had loan approval. After explaining that we never received a loan approval, only a prequalification, he stated that he felt a prequalification was an approval. He also stated that if we could not continue with the process of purchasing the house, we would be required to sign a cancellation. If we did not sign a cancellation and did not close on the house, we would be responsible for all costs associated with the remarketing of the house. I emailed XXXX XXXX and asked for a copy of the loan approval. He provided me with a screen shot of an approval, however, the approval is dated XXXX XXXX, XXXX. I find it very very hard to believe that we could receive a loan approval ( 1 ) after I emailed them on XXXX XXXX, XXXX and told them we would n't be using them and ( 2 ) because it was made clear that we would not receive the loan approval without closing my husband 's company. I feel this approval was fabricated after my conversations with our sales rep and with XXXX XXXX requesting our deposit monies back. By this time, my husband and I are at the point where we just wanted to be done with the whole process so we signed the cancellation. After completing the cancellation, I feel this was a scare tactic used by XXXX XXXX in order to get us to sign the cancellation. We feel extremely taken advantage of and feel as if both the builder and the builder 's lending company took us for a ride. We were jerked around so much from the lending experience to the closing date. We will never be able to recoup our time, but certainly feel our deposit should be reimbursed. We never received an approval needed to meet the contractual financing contingency. This alone should have been sufficient reason for the refund of the deposit monies. In addition, in all of our dealings with Home Community Mortgage, Stearns Lending and finally XXXX XXXX Loans, we never received a Notice of Incompleteness. This is also reason for us to be refunded our deposit monies. This whole ordeal has put a huge strain on our marriage. We are still very upset and feel that XXXX XXXX took no accountability in this matter.
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| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We were notified in XXXX , that our mortgage was being transferred to Stearns/ XXXX . Soon after, we received our first bill statement for XXXX . We enrolled in the autopay function, but upon enrolling, we were told that autopay would not be set up in time for XXXX , and we would have to send in a cheque. Payment coupons and instructions were sent along with mailing information. Based on the amount of the paymen t ( {$2200.00} ), w e thought it best to send either a certified cheque, or money order to confirm that funds would be available to Stearns/ XXXX at the time of cashing in the payment. After consulting with our bank, they suggested that Money Orders were the cheapest, and easiest form of payment based on surcharges. Money orders from XXXX XXXX at this location could not be issued for any value more than {$500.00}. So, we paid for 4 money orders for {$500.00}, and a fifth money order for the balance of {$220.00}. I filled out all five money orders with the necessary information and paperwork and sent them off to Stearns/ XXXX . We expected everything to be taken care of and we would be on Autopay come XXXX . I receive my upcoming XXXX statement on XXXX XXXX , and I notice that its for {$500.00} more than it should be. At the same time, I start receiving automated calls from Stearns/ XXXX for me to call them back. Nobody directly called me ; just automated calls. On XXXX XXXX , I called XXXX and once I submitted my account information, I was immediately forwarded to the Collections Department asking me how I was going to pay the {$500.00} I owed. I tried to explain to the person on the other line that this was a mistake and I clearly paid the full amount. After many questions such as was I sure that I sent all 5 money orders, did I use the correct address, did I reference the correct account number, etc, she still did not believe me. I told her that I had all of this information available and I could send it to her. She directed me to use e-mail to customer service portal, fill out a ticket and upload the information. As a precaution, I called XXXX XXXX , and spent 20 minutes through their automated menus to get automated confirmation that the money orders were cashed on XXXX XXXX . XXXX XXXX confirmed that all 5 were cashed on the same day, This was done the same day ( XXXX ) and I received confirmation and given a reference number : XXXX XXXX I received a reply on XXXX XXXX stating that they only have receip t of 3 of the 4 money orders for {$500.00}, and therefore I mu st still owe the money. They were courteous enough to send me a copy of my payment history, but it did not reference any money order number, so I could not confirm which money orders will posted to our account, and which one was not. I replied back to the email stating asking for that information since it was going to cost {$15.00} a piece for XXXX XXXX to provide proof of payment and there was an estimated response time of 30 days. We received no response. We decided to spend the {$60.00} and get all 4 money orders traced. That request was sent out to XXXX XXXX on XXXX XXXX . We started receiving more calls and mailings from Stearns/Loancare asking for our payment and how it may affect our credit rating. On XXXX XXXX , we decided to take some of our personal emergency savings and made the outstanding payment to bring the account up to date. We spoke to a customer representative named XXXX , and she submitted another request on getting a more detailed statement. We were asked to call back in a week to follow up. We received proof of the money orders being cashed by Stearns/ XXXX , and promptly uploaded them through the service portal again. We requested confirmation of the error and requested Stearns/ XXXX to make arrangements to refund the money owed to us for {$560.00}. We received confirmation of all of the information on the same day, XXXX XXXX . We called back on XXXX XXXX , spoke to XXXX . He told us that our ticket was with Cashiers department. He figured we were getting a refund, but could not determine the amount. He told us that this incident should be closed by XXXX XXXX , and we should receive a call or email from Stearns/ XXXX . We received neither. We called back on XXXX XXXX and spoke to XXXX . She informed us that our ticket was still open. She promised me that she was taking this to her Supervisor immediately and we would get a call back today by XXXX EST. She assured me that she would call back and wanted to make sure that I would be available at that time. As of XXXX XXXX , still no call. Still no resolution. We called back on XXXX XXXX , spoke to XXXX , started explaining my issue and ticket number and promptly hung up on me. I called back again and spoke to XXXX . She saw that the ticket was still open and there was no resoultion. I told her that I was disappointed in this whole situation and I told here that we felt we needed to get the CFPB involved in this issue so that it got some attention. She promised me she would forward my issue to her supervisor and they ( XXXX ) would get back to me. As of XXXX on XXXX XXXX , still no call or email response. I am hoping that CFPB can get some resolution. I 've sent all the information to Stearns/Loancare and paid money out of pocket to prove the accounting error was on their part. I would like to have acknowledgement of their error, and apology for the amount of calls, emails and letters that were sent to me regarding my mortgage falling behind, and finally financial compensation consisting of my {$500.00} overpayment, the {$60.00} to get all 4 money orders traced by XXXX XXXX for a total of {$560.00} at the very least. I do n't want a credit statement, I would prefer a cheque be issued to us instead. Thanking you in advance for your time. XXXX and XXXX XXXX
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| 02/25/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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( CFPB ) COMPLAINT # XXXX Amended XX/XX/XXXX XXXX VS XXXX XXXX XXXX COMPLAINT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX + more XXXX XXXX XXXX XXXX XXXX XXXX ASKING FOR RECTIFICATION WITH OUR : XXXX XXXX, XXXX XXXX VA MORTGAGE LOAN CORRECTLY.
TAX EXEMPTION NOT APPLYING AT ALL.
VS : Breach of Contract with Americans with Disability Act Law.
STATE OF XXXX ASSESSOR ; REFUSED TO ACCEPT MY TAX-EXEMPTION XXXX BENEFIT ON OUR VA HOME-LOAN. I AM XXXX XXXX XXXX VETERAN. XXXX XXXX. IT DEEMED TO BE A BREACH OF LAW : TO AMERICANS WITH DISABILITIES ACT. ( ADA ). WE FELT DEFRAUD WITH OUR ESCROW PAYMENTS DUE TO : REFUSED TO APPLY MY TAX-EXEMPT TO our ESCROW. I also hope our tax-exemption Will refund to us. As we are paying TAXES for our Escrow Mortgage. First payment written in XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
In reference to our Mortgage Loan with XXXX, I am discovering Unscrupulous, Maladminister activity with our Mortgage Loan. As far as my ( Tax-Exemption # XXXX ) plus ( Parcel # XXXX ). VA Mortgage Rule & Regulations never been considered. It is a violation of our Civil Liberty Rights and Fundamental rights. I am " XXXX XXXX XXXX XXXX XXXX Veteran ''. ALSO : Interest Rate put upon our VA Mortgage Loan incorrectly : IS A VIOLATION OF CONSUMER Law & BUSINESS LAW PLUS : FEDERAL LAW breach by Stearns.
Fundamental Rights Violation for locking me out until next year renewal of ( Tax Exemption ), is a breach to me : Americans with Disabilities Act ( ADA ) of XX/XX/XXXX. Which deem to be in Violation of Civil Liberty Rights & Fundamental Rights violation. And the ( ADA ) ACT LAW ; Breach of Federal Law.
Also ; addresses from different states this Mortgage Loan involved with. To which we dont know which states we suppose to respond to : if we have to disputes any Maladminister matters in the future.
We are trying to bring the light of Righteousness ; Justice to our Mortgage matters. And also ; irregularity condition within our house floor : noises sounds defectives with our floor not tack down accordingly. And the GARAGE ITSELF HAS SEVERAL BIG CRACKS BECOME WIDER & bigger in shapes.
XXXX XXXX were told during the building of our home in XXXX XXXXXXXX XXXX XXXX XXXX. That I am XXXX XXXX XXXX Veteran which falls under Americans With Disabilities Act ) ( ADA ) XX/XX/XXXX.
I XXXX XXXX XXXX on in-level ground, up hill or downhill due to injuries to my XXXX XXXX from the Military. XXXX left our yard with Rough Finished ; rocks, & trucks tire marks ditch on the ground, kind hard to get around them, plus ; the A/C sets on the Ground ; when it rain, water will run right through the ( A/C Unit will damage eventually ). for notification wise in case.
Between the house Foundation and the Patio : front and back has cracks ; crevices ; water disappears into these crevices : and not flowing out away from underneath the house foundation. We wonder ; what will it be like after a year or so in the future, etc. We dont think this house is worth the price set for : {$XXXX}, XXXX dollars, single story home. In addition : XXXX rushing us signing ( Documents ) to this home before it was ready. Total willful artifices type of deal to protect themselves from any defective outcome in the future perhaps!
And also ; making us signed more papers for late changing with the Architecture plans ; for some devious reasons. Ample of unscrupulous, maladminister works we discovered with our home purchase with XXXX, VS. XXXX XXXX XXXX XXXX. Our homestead Tax-Exemption for XXXX XXXX during XXXX XXXX in Military. Plus : XXXX XXXX training Exercises. I XXXX XXXX from United States XXXX ; and, United States XXXX XXXX. Served Military from XX/XX/XXXX through XX/XX/XXXX.
Again, we received letters from Stearns Lending Dated XX/XX/XXXX., and, another one on : XX/XX/XXXX. Begging us to have our house Refinance through them again? Is there something wrong, that we do not know about? Also ; XXXX XXXX XXXX ; is Transferring our loan payments to XXXX state ; after we disputes Maladminister activity with our VA Home Loan with them. It brought lots of serious concerns to us about : WILFUL ARTIFICES, & Willful Concealment, Willful Frauds activity of some sort. Disseminating activity with our Mortgages to other companies : asking us to have our home REFINANCE THROUGH THEM, in a desperate demand. We feel harassed by these company desperation : to have our home Refinance through them, with dishonest financial ads deem to be gouging us Financially perhaps, Maladminister activity are willful suppressed. We moved in to our NEW HOME since XX/XX/XXXX. We are hoping that ; XXXX isnt misleading, and, deceiving us with their Manipulation activities. IN addition : LOTS of CRACKS INSIDE OUR GARAGE FLOOR ; ARE GETTING BIGGER AND WIDER ; the house is only 2 months old when we noticed the cracks. AND, I AM CONCERNS WHAT THE HOUSE FLOOR LOOKS LIKE UNDERNEATH THE WOOD COVERING FLOORING. WE WOULD LIKE TO GET OUR MONEY WORTH PURCHASING SUCH BRAND NEW H0ME FROM XXXX. HOME amount : {$XXXX}, XXXX. " We made SEVEN PAYMENTS ALREADY. amount {$1800.00}. FOR : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, Also ; interest rate too high for a VA Home Loan Purchase. We feel like XXXX XXXX XXXX is what Stearns LLC vs XXXX has doing to us. In violation of the CONSUMER LAW, and our Civil Liberty Rights, Fundamental rights. FALSE STATEMENTS STATUTE 18 U.S.C. 1001 might fall under. We want JUSTICE prevail with our Mortgage financial foremost. Otherwise : " PUNITIVE DAMAGES WITH INTANGIBLE HARM SUCH AS PAIN AND SUFFERING MUST consider, INCLUDING FINANCIAL LOSS ''.
Sincerely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXHomeowner.
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| 11/02/2017 |
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 XXXX XXXX, XXXX, I purchased a condo financed by a fraudulent purchase loan originated by Stearns ( XXXX XXXX XXXX required me to cross-qualify with Stearns at which time I stopped my loan application with XXXX XXXX XXXX XXXX ). I recently discovered that Stearns fraudulently originated my purchase mortgage : the condo is ineligible for conventional financing because the XXXX is a condotel with 41 deeded timeshares within. After the close of escrow, Stearns sold my purchase mortgage to XXXX XXXX even though the XXXX is, in fact, an ineligible project under XXXX XXXX requirements for mortgage purchase and/or securitization. XXXX rejected the First Property Appraisal ( FPA ) ( for an undisclosed reason ) prepared by the XXXX XXXX XXXX Stearns hired ; and thereafter, Stearns fraudulently originated my purchase mortgage based upon the Second Property Appraisal ( XXXX XXXX prepared by the Second Property XXXX hired by Stearns. The XXXX failed to disclose that the XXXX is an ineligible project for conventional financing under XXXX XXXX XXXX because it has XXXX deeded timeshares. Prior to the close of escrow, Stearns XXXX and the XXXX XXXX failed to disclose to me that the XXXX does not qualify for conventional financing because it is a condotel with XXXX deeded timeshares within. To the contrary, Stearns told me that -- in XXXX, Stearns had financed another condo sale in the same XXXX as the subject condo. Furthermore, in XXXX XXXX, during the mortgage application process, when XXXX told me that the XXXX had been rejected, Stearns specifically advised me that it could not tell me why the XXXX had been rejected because Stearns was not privy to the XXXX ; Stearns stated that ( after the Great Recession in XXXX and the rampant mortgage fraud ) lending laws were changed such that lenders no longer had access to rejected property appraisals. Thereafter, XXXX hired the Second Property XXXX and accepted the fraudulent XXXX prepared by the Second Property XXXX, which failed to disclose that the XXXX is ineligible for conventional financing because it is a condotel with XXXX deeded timeshares within. At the end of XXXX XXXX, I permanently vacated the condo after having ongoing acute health problems as to which I had to seek XXXX XXXX twice, and am still coping with the deleterious impact of living in the uninhabitable XXXX full-time for almost XXXX months and teleworking full-time from the uninhabitable condo. I have been on extended leave from work since XXXX XXXX, XXXX. Sellers failed to disclose to me that the XXXX was uninhabitable because it requires mold and asbestos testing and remediation ; Sellers also failed to disclose that the XXXX is ineligible for conventional financing because it has XXXX deeded timeshares within. The XXXX also failed to report adverse conditions in the XXXX requiring mold and asbestos testing and remediation -- in violation of XXXX XXXX XXXX XXXX reporting requirements. My Final Escrow Closing Statement shows a charge for {$520.00} for Trimavin Appraisal, and {$150.00} charge for Trimavin Reinspection Fee. In XXXX XXXX, I requested a copy the XXXX from XXXX XXXX, the mortgage originator. XXXX immediately responded by stating that the XXXX was rejected because the condo did not have smoke or XXXX detectors. I then reminded XXXX of his prior statement to me regarding XXXX not being privy to the rejected XXXX because of the change in lending laws to prevent mortgage fraud. In response, XXXX insisted on having a telephone conversation with me as to which I declined. XXXX then referred me to XXXX XXXX, his XXXX XXXX. XXXX XXXX sent me an email stating that I needed to call him and XXXX so that they could confirm my identify via telephone before they could send me the requested information regarding the XXXX because my email could get hacked even though I was using the same email address that I had used to process my mortgage application with XXXX and just earlier that day, XXXX and XXXX XXXX, the Loan Processer, had sent me confidential loan documents to that same email. I then asked XXXX what information he intends to ask me via telephone to confirm my identity. Rather than answering my question, XXXX ask me again why I refused to call them. Thereafter, as instructed by XXXX, XXXX resent the fraudulent SPA to me again. As a result of the fraudulent purchase mortgage, I now own a condo which sits vacant and uninhabitable. And, the condo will not qualify for conventional financing in perpetuity because the XXXX is a condotel with 41 deeded timeshares within.
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| 03/20/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I write to inform you of the unacceptable level of customer service that I have received from Sterns Customer Care, the XXXX XXXX XXXX and XXXX XXXX XXXX in my attempt to obtain a partial lien release. My wife XXXX and I have a VA loan through Sterns for our house at XXXX XXXX XXXX XXXX in XXXX, VA. Adjacent to the house is a vacant lot ( XXXX XXXX ) that we subdivided and placed on the market to sell. We found a buyer and had an original closing date of XX/XX/XXXX. On or about XX/XX/XXXX the closing agent contacted Sterns to obtain a lien release amount to complete the settlement paperwork and get to closing. The closing agent informed the Customer Service Representative that closing was scheduled for XX/XX/XXXX and the request needed to be expedited. The Representative first informed the closing agent that these types of requests take 60 to 90 days to complete. The closing agent asked it to be expedited and the Customer Care agent notated that the request needed to be expedited and that someone would get back to the closing agent. Between XX/XX/XXXX and XX/XX/XXXX the closing agent and I made several unsuccessful attempts to obtain the status of the partial lien release request. I had even asked if there was another number I could call to track it down and the Customer Care Agent explained to me that they forward the request to the XXXX XXXX XXXX who did not have the ability to receive any incoming calls from customers. Due to Sterns lack of communication and non-responsiveness the partial lien release process could not be completed before XX/XX/XXXX. In order to preserve the sale, we rescheduled the closing date again for XX/XX/XXXX. We did not close on XX/XX/XXXX.
The lack of communication and due diligence on the part of the XXXX XXXX XXXX/ XXXX XXXX XXXX continued through XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX almost two months after my initial partial lien release request and after the XX/XX/XXXX second proposed closing date, I received a letter from the XXXX XXXX XXXX that outlined the necessary items for the partial lien release. As the letter instructed I sent in the necessary documents and ordered an appraisal for a fee of {$800.00} on XX/XX/XXXX. On XX/XX/XXXX. I received an email from XXXX XXXX, the XXXX XXXX XXXX loan administrator informing me that XXXX XXXX was having a difficult time locating an appraiser who could complete the work. I did not receive the appraisal until XX/XX/XXXX, well over a month after I ordered it. Once XXXX XXXX received the appraisal she forwarded it and my other documents to the VA for review and approval.
On XX/XX/XXXX XXXX XXXX contacted me and informed me that VA would not accept the appraisal because it did not meet VA requirements for the partial lien release. She further informed me that a replacement appraisal would cost {$520.00}. I informed her that I would not be paying the additional fee on top of the {$800.00} I already paid for the substandard appraisal. I also informed XXXX XXXX that as a VA loan servicer it is the XXXX XXXX XXXX and XXXX XXXX XXXXs responsibility to hire an appraiser who specializes in VA loans. After my push back she that I would not be charged for the new appraisal. After this occurred I once again complained that this process was unnecessarily too long and asked XXXX XXXX for the name and phone number of her supervisor so I could relay my frustration with the overall quality of service received. XXXX XXXX did not provide her supervisors contact information. As of XX/XX/XXXX the appraisal still has not been completed, and neither has the partial lien release.
XXXX XXXX XXXX XXXX and its XXXX XXXX XXXX/XXXX XXXX incompetence prevented us from selling and closing on our land. As a result, I request that my partial lien release request be expedited and resolved immediately with no additional costs to us. Sterns put us in risk of the first buyers suing us for breach of contract. Additionally, we continue to have a high level of interest in the property and I do not want Sterns substandard customer service to adversely affect any future closing dates. I also ask that Sterns address the XXXX XXXX XXXX and XXXX XXXX XXXX lack of customer service and professionalism. It is apparent that XXXX XXXX XXXX does not know the first thing about VA lending or partial lien release processing requirements.
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| 02/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
Older American |
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Complaint about fraud.
I was divorced in XXXX and received a XXXX acre ranch with a house in the settlement. It was completely paid off, no mortgages, etc. In XXXX, when I needed money to live on, I mortgaged the house and XXXX acres with XXXX XXXX at about 5.6 %. The remaining land was still unencumbered.This gave me XXXX schedule ( tax parcel ) numbers ( see below ) all accessed by the same street address. The house and it 's XXXX acres were on XXXX, the vacant XXXX acres on XXXX other schedule numbers. XX/XX/XXXX I refinanced the house and the XXXX acres at 4.625 % with Stearns Lending on a HARP loan. When I needed money to live on ( I 'm XXXX and unemployed ) I found a buyer for XXXX acres of my remaining XXXX acres of unimproved ranch land that would be owner financed. This would have given me a small monthly income and helped me not be forced to lose XXXX % of my retirement savings ( land ) in taxes from a lump sum payment. When we went to the Title company to close, they informed me that I had to " pay off the loan on that property ''. I replied that it was n't mortgaged. But according to the deed of trust, Stearns Lending now owned over a XXXX dollar property with that {$340000.00} HARP loan. None of the paperwork prior to the loan showed anything other than the single tax schedule number ( parcel number ). The HUD paperwork with the loan showed only the XXXX schedule number. In all the re-fi loan papers, the property was referred to by the schedule number, not the legal description. The taxes and insurance I had been paying with my loan payment were only for the house and XXXX acres. I had been paying the taxes and insurance on the remaining XXXX acres myself. Clearly, Stearns thought they only had the house and XXXX acres which would have been a refinance of the original XXXX XXXX loan 's collateral. They did n't require an appraisal or survey.They never paid the taxes on the XXXX acres they should n't have had. No communication from them, ever, that said the collateral was going to change.
They sent a notary out to me in Kansas during a blizzard XX/XX/XXXX. She had to walk up my brother 's XXXX mile driveway because of the drifts. She was in a major hurry to finish so she could drive the 2 1/2 hours back to XXXX and not be stranded. The single paper in the stack of closing papers that showed the legal description for the refinance was wrong and I did n't catch it since I was hurrying for her. Every other paper showed the XXXX, correct, schedule number, never the XXXX distinct numbers. She gave me a disc as my copy, which turned out to be blank (? ) I called Stearns in XXXX to ask for help getting this straightened out. I had a Real Estate attorney in XXXX who wrote the owner finance contract. He also called and wrote a registered letter. Stearns required my written permission to talk to him, which I sent. We called a total of XXXX times according to my records and his bill. Each time we were told that they would get back to us in XXXX business days. They called him back once and asked what this was about. He told them and they assured him they would call back in 5 business days. Nothing.
I finally was forced to sell the XXXX acres and an additional XXXX, just to pay off the loan on my home. Because I have no job, I could n't qualify to refinance, and Stearns used my HARP eligibility. It gave me enough to pay my credit cards and the XXXX % in taxes. Now I will need to find a job or try to get a reverse mortgage. I should not have been in this situation.
That was 10 months ago. THEY HAVE NEVER RESPONDED BY PHONE OR BY MAIL. Not once. I called the number today that is for problems. I spoke with " XXXX # XXXX '' He was extremely defensive and confrontational. He said " this is not a debate '' and told me it was because I had never sent the appraisal XX/XX/XXXX. What? The loan was paid off XX/XX/XXXX. I 've even never had a late payment.
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| 06/01/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I had a mortgage with Stearns Lending / XXXX. The principle borrowed was {$260000.00} and the interest rate was 4.125 %. The mortgage was effective beginning XXXX/XXXX/XXXX and XXXX 's interest was prepaid. Thus, interest to be paid within the mortgage payments began accruing XXXX/XXXX/XXXX. The amortization schedule provided by the lender shows that aproximately {$890.00} per month would be due in interest, as a component of a mortgage payment composed of interest, principle, and escrow, totaling {$1800.00} per month. The mortgage was refinanced on XXXX/XXXX/XXXX and the lender received the payoff check on XXXX/XXXX/XXXX, which was in response to a " payoff quote '' from the lender that was valid through XXXX/XXXX/XXXX.
Under these conditions, it seems that using rough calculations, the lender was due aprox. {$890.00} of interest for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus 9 days in XXXX. This amounts to 6.3 months. {$890.00} x 6.3 = {$5600.00}. Using other online mortgage interest calculators, ( i.e. using 190 days as the loan period ), total interest would have come to {$5600.00}. Using either of these methods of calculating the total interest the lender had the authority to collect shows it was somewhere around {$5600.00}. However, the lender collected a total of $ {$6200.00} in interest. This appears to be a final calculation on their part because I have already received a refund check from the lender for the excess escrow balance.
I believe that this error happened at least partially due to shoddy accounting on part of the lender. ( The lender mistakenly paid my taxes and insurance twice and had to correct this as well ). I received a call from the lender on aprox. XXXX/XXXX/XXXX indicating that the account was past due 30 days, when in fact, I had pre-paid the mortgage and the lender had been holding payments in a side account and was not applying them to the account as expected. The lender 's agent told me at that time that I was correct and that I could request that the account be looked at by a specialist for reapplication of the funds processed. The agent confirmed that the lender would not pursue negative credit bureau reporting and that no late fees would be charged. I alerted the agent that a re-fi was in process, to close on XXXX/XXXX/XXXX, and I requested that the lender continue with re-evaluating the account ( and sub account applications ) for accuracy.
Despite the agent 's commitment to no negative reporting and no late fees ( because he agreed that I had prepaid the account and that the lender had just misapplied the funds due to computer program sweep procedures ), the lender has told me that they did in fact report to the credit bureau and that there was a {$30.00} late fee assessed. I also continued to receive collection calls despite being paid ahead and pending re-fi.
I have spoken with the lender at least 6 times since XXXX/XXXX/XXXX pursuing obtaining a re-assessment of the account to verify accuracy, all via phone. Each time, they promised just a " 2-3 days '' to process. Mid-month, when no information had been received, I called again and the lender admitted that they disregarded my request because the loan was paid off. I re-requested the information. After no info received, on aprox. XXXX/XXXX/XXXX I submitted an online request for the interest calculations, explaining that I believed I had been overcharged interest. Their XXXX/XXXX/XXXX response was to email me a generic account listing, showing the amount charged, but no calculations as to how that amount was determined. So far, the lender has refused to provide documentation demonstrating how they calculated the interest they collected and I believe I was overcharged. I believe I am due a refund of aprox. {$630.00}.
*Note that the re-fi ended up with the same lender, so there is now XXXX closed account and XXXX active new account.
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| 03/20/2020 |
Yes |
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- Trouble during payment process
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Web |
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1 : What is this complaint about?
Upon transferring the loan to XXXX XXXX Stearns Lending re-calculated the loan amount rather than using the original loan amount and disclosing XXXX payment as a credit 2 : What type of problem are you having?
We have made an extra payment which is not being recognized, credited, or refunded to us due to Stearns Lending failing to inform XXXX XXXX that We submitted XXXX payment to Stearns Lending. Therefore, upon transfer of loan to XXXX XXXX, the XXXX payment appeared to be in arrears when in fact it had actually been paid..
3 : What happened? We purchased our first home in XXXX. Our first payment Due XX/XX/XXXX was paid XX/XX/XXXX. Our mortgage was sold on XX/XX/XXXX from Stearns Lending to XXXX XXXX. For our first month we payed the original lender Stearns Lending, unaware of when our loan was being transferred we paid XXXX XXXX, they then returned that money via check because Stearns Lending already accepted the payment and did not transfer over our loan and account until XX/XX/XXXX ( STEARNS LENDING SOLD HOME LOAN TO XXXX XXXX ). XXXX payment was second, made to the new loan holder XXXX XXXX, payed on XX/XX/XXXX. Then when payed it showed we had a delinquent balance not paid for XXXX, therefore having to make a double payment for XXXX, when it was already paid to XXXX XXXX XX/XX/XXXX. Therefore, XXXX XXXX refuses to recognize that payment and forced us to make that payment again to them. Then XXXX XXXX insisted we had to pay the 2nd payment to them which we did. They continue to demand we make monthly payments, refusing to refund or credit the extra payment to our account based on the documents provided to them by Stearns Lending.. Phone calls between myself, XXXX XXXX, and Stearns lending took place on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX and XX/XX/XXXX. XXXX XXXX has let customer service know at Stearns lending on a recorded line that they are not showing any payment from them and the numbers of our starting loan are not the numbers they received, but are minus the first month when they should have transfered over the original loan balance with the payment to show it was paid but instead Stearns took that payment and subtracted it from the total and sent over a new total showing there was not a payment. We have proof of payment to Stearns for XX/XX/XXXX.
After several conversations, they said they would expedite it, reverse the loan, resend over to finance team at XXXX XXXX and get back to us in 3 days. Since then we have received the same email every 3 days for over a month which basically states they are still working on it. Its the exact same email with a different date attached each time and obviously auto-generated. Every time I call they state they can not help me until the finance team investigates it Attachments are as follows : Document 1 shows payment being made to Stearns lending, and XXXX XXXX for XXXX. XXXX XXXX sent the double payment back due to the fact Stearns lending already accepted my first months payment, then lending company subtracting that payment from the whole total, THEN transferring that new number out to XXXX XXXX XX/XX/XXXX, therefore making it look like XXXX was never paid to XXXX XXXX, numbers not adding up.
Document 2. Confirmation of double payment to XXXX XXXX for XXXX/showed delinquent for XXXX so had to pay twice for XXXX/shows check back for double payment for XXXX.
Document 3. shows confirmation of XXXX payment.
Document 4. showed confirmation of XX/XX/XXXX payment.
Document 5 shows original loan with Stearns lending.
Document 6. Email i have received approximately 7 times from Stearns lending stating escalated request Document 7. shows my print out from XXXX XXXX XX/XX/XXXX of transaction history 4 : What company is this complaint about?
Stearns lending 5 : Who are the people involved?
Stearns lending XXXX XXXX
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| 08/02/2018 |
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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RE : STEARNS LENDING, LLC is in violation of the NATIONAL CURRENCY ACT, now NATIONAL BANK ACT.
STEARNS LENDING, LLC is attempting fraud, therefore we rescinded all contracts and signatures.
STEARNS LENDING, LLC is now attempting to foreclose on our home next month.
DEMAND STEARNS TO STOP FORECLOSURE ATTEMPTS IMMEDIATELY.
CONCERNING According to UCC 9-102 Article 9 Definitions ( 28 ) - DEBTOR means : ( a ) a person having an interest other than security interest or other lien. ( b ) a seller of accounts, chattel paper, payment intangibles, or promissory note. The bank is the DEBTOR.
According to 15 U.S.C. 1692g The debt must be validated. STEARNS LENDING, LLC never responded to my affidavits, which required STEARNS LENDING, LLC to validate the debt.
According to UCC 9-513 ( a ) ( 1 ) STEARNS LENDING, LLC never made an advance and never value to XXXX XXXX or XXXX XXXX.
31 U.S. CODE 3123 - Payment of obligations and interest on the public debt. ( Has been violated ) 31 U.S. CODE 5103 - Legal Tender ( The original note was treated as legal tender ) 18 U.S. CODE 8 - Obligation or other Security of the United States defined. ( Has been violated ) According to National Currency Act - Section 27, 28, & 53 ( Banks can not own property ) STEARNS LENDING CONTACTS : ( XXXX ) XXXX or ( XXXX ) XXXX First of all we have never signed a contract/ agreement binding XXXX XXXX to STEARNS LENDING, LLC showing both parties signatures. Weve asked for any evidence of this contract/ agreement and we have never gotten a response from STEARNS LENDING, LLC . STEARNS LENDING, LLC and its representative, XXXX XXXX is attempting fraud. REQUIRE STEARNS LENDING, LLC TO STOP FORECLOSURE IMMEDIATELY.
We have researched very thoroughly over the last year or so to find ways to have STEARNS LENDING, LLC respond to our Affidavits to verify where they had given us value through a loan or any other agreement and they never responded to our requests or Affidavits. We tried this for several months. We even went as far as contacting other agents that they hired along with their attorney, XXXX XXXX. They all refused to respond to our Affidavits. XXXX XXXX is representing STEARNS LENDING, LLC, but also acts as ATTORNEY IN FACT for XXXX XXXX. This is a fraudulent conflict of interest and TREASON against XXXX XXXX, Estate.
We suspect STEARNS LENDING, LLC is attempting to commit fraud. We rescinded all contracts and signatures possibly binding STEARNS LENDING, LLC and XXXX XXXX. STEARNS LENDING, LLC is now attempting to foreclose on property controlled by XXXX XXXX. STEARNS LENDING, LLC is in violation of the NATIONAL CURRENCY ACT, now NATIONAL BANK ACT, which states that banks can not own property. STEARNS LENDING, LLC is required to stop foreclosure attempts immediately! We are asking your office to please contact STEARNS LENDING, LLC immediately ; according to NATIONAL CURRENCY ACT, now THE NATIONAL BANK ACT this is a requirement.
If a contract or agreement is void for fraud or voidable for fraud, and the opposing party ignores ( does not respond to/rebut ) one 's affidavit of rescindment for fraud, a dishonor has occurred ( UCC 3-505 ) for non acceptance of refusal for cause ( of unconscionable instrument UCC 2-302 ). UCC 1-103.6 mandates all parties to construe the statute in harmony with the common law, within statutorily created legislative agency, forcing recognition of common law rights.
I, XXXX XXXX, a well know XXXX and my husband being a XXXX XXXX XXXX with substantial social followings decided not to go public with our story about bank fraud concerning STEARNS LENDING, LLC thus far, because this could cause uproar in communities across the country. Again, we are asking your office, with all due respect to contact STEARNS LENDING, LLC immediately to reverse their dishonorable and possible fraudulent actions.
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| 06/04/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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To whom it may concern ; Today, ( XX/XX/XXXX ) marks the second month to the day that Stearns Lending was contacted to make a mortgage payment on my behalf. On that day, XXXX XXXX Representative XXXX took the information to make an online mortgage payment, ( along with an extra payment towards the loan principal ), and supplied me with confirmation number # XXXX.
She ( XXXX ), went on to inform that the payment would be transferred to the new mortgage company that was taking over on XX/XX/XXXX. The transaction could take up to 60 days without any penalty or fees to the consumer is what was stated.
After being contacted by the new mortgage loan company regarding the missing XXXX payment ; multiple calls were unsuccessfully made to XXXX at ph # s ( XXXX ) XXXX and ( XXXX ) XXXX.
On XX/XX/XXXX, the new mortgage loan company called once again regarding the missing XXXX payment, and asked that I obtain an ACH #. I advised of the difficulty reaching Stearns Lending by telephone, and asked they please contact Stearns and transfer the call. XXXX ( from the new mortgage company ) was gracious enough to oblige.
XXXX, a representative of XXXX answered and read the notes, stating Loan transferred, payment did not go through.
XXXX further explained that his notes stated on XX/XX/XXXX the payment was cancelled and the customer is to be notified.
I am the customer, and I was never notified prior to this very moment! How is that possible? I have a confirmation number that the payment was received by XXXX on XX/XX/XXXX XXXX then stated XX/XX/XXXX, you were sent a goodbye letter.
Yes, ... I was also told that the payment could take up to 60 days for the new company to receive the funds. When was I, the customer going to be notified? I need something in writing stating that the payment was canceled, so as to not have double funds deducted from my account.
I then asked to speak with a supervisor.
Supervisor XXXX, also confirmed that the payment was deleted and should not have been taken by the representative. On XX/XX/XXXX, the system shows the payment was deleted I once again asked XXXX for a letter stating that the payment that was made on XX/XX/XXXX, to which I have a confirmation number for, was deleted.
XXXX stated she would be very happy to supply me with a payment history.
The payment history was of course was missing the XX/XX/XXXX payment, and there was no mention of the payment being cancelled, nor deleted.
On XX/XX/XXXX, an email was sent to Stearns Lending. On that same day XXXX XXXX, of Stearns contacted me, and assured me that she would speak to the Compliance Department and have a letter drafted in reference to cancellation of the payment. XXXX . XXXX stated that she would contact me back within 24-48hrs.
On XX/XX/XXXX, after receiving a letter from the new mortgage company regarding late payment, I contacted the new mortgage company to advise that payment was supposedly cancelled on XX/XX/XXXX. I spoke with XXXX # XXXX and informed him that I was waiting for letter from Stearns to confirm that payment was actually cancelled. He advised to shorten wait time, to have Stearns representative to fax directly to new company, and email to email given.
XX/XX/XXXX, at XXXX, I telephoned XXXX ( XXXX ) to remind her that she had promised a letter four days prior. She advised that she received letter at XXXX, and could email it to me.
I asked it be faxed to new company, yet she instructed that she would email to me.
The letter was received via email, yet does not mention the cancellation of the confirmed payment.
A telephone call was received from XXXX # XXXX, representative of the new mortgage loan company, on XX/XX/XXXX, regarding XXXX payment.
It has been a total of 60 days, without formally being notified of the XXXX payment being deleted!
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| 12/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Hello, I am looking deeply into my credit reports now as I am on verge on buying a house and all mortgage companies refer to credit report as important parameter to decide providing loan as well as to decide what rate of interest I will fit into.
I am from XXXX and first time house buyer and was not aware such serious implications of credit scores and reports on my capability to purchase house.
When I investigated my credit report, I found many credit enquiries on my report that I DO NOT RECOGNIZE AT ALL. I have never provided written authorization to any of these companies to run my credit and there is no reason for any company to run credit on me as I do not open any cards or did not go and purchased anything during this time frame that needed credit score run.
Following are the list of credit enquiries on my XXXX report that I DID NOT AUTHORIZED and NOT PROVIDED ANY ORAL OR WRITTEN APPROVAL TO RUN THEM : 1, XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX 4. XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX 5. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXXXX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX All enquires seem to be this year, I have authorized only Informative Research to run some enquires Also, following are enquiries on my XXXX report that I did not authorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX enquiry is made by STERNS LENDING CORP. The lady on the phone kept talking and told me I doing soft search so nothing will be coming on my report, then she run full score WITHOUT MY CONSENT and then leaves the company.
When complained to Sterns lending they accepted mistake by their company and told me they will reverse the enquiry. After repeated follow ups by several emails with Stern lending company officers he did not completed the taks of reversal of their employees faulty enquiry though I told them I might have to go to legal route if they do not take care of wrong enquiry made by their employee.
On XXXX XXXX, I had a complaint against the merchant XXXX XXXX who falsifying opened XXXX XXXX financing account when I did not asked for it. On top of that XXXX XXXX RUNS TWO CREDIT ENQUIRIES!!! Since this particular financing option was NOT AUTHORIZED BY ME, both the enquires made by XXXX XXXX need to be removed from my report.
I have no idea who is XXXX OR XXXX and why they are running credit enquiry on me during may this year. Please note I am staying in same apartment from last one and half year so there is no question that my renter has run credit and I did not open any card or did any purchase with credit enquiry.
Also following enquires on my XXXX Report are NOT AUTORIZED BY ME : 1. XXXX/XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX / XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. XXXX XXXX : :XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
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| 02/23/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX, I received a letter from the mortgage lender who service my loan. This letter informed to me about changes on the amount of my mortgage bill. Concerned from the exorbitant increase on my monthly payment, I called numerous times to Stearns Lending LLC costumer support requesting clarification, no one could give me an straight answer. I was even told that my case escalated to upper management and I need to wait and call on 5 business days to get a response back. All a bunch of lies, they did n't even know what was going on after the 5th day when I returned the call. After performing an investigation and trying to understand why my mortgage payments went {$400.00} high, I noticed that Stearn 's Lending, LLC averaged my taxes based on previous tax records that did not justify their claiming. It seems to be that Stearn 's Lending, LLC can pick the phone up and get it right with the local tax office who assess my yearly taxes.
I bought a new house XX/XX/XXXX. During the first second and third quarter I was paying only taxes for the land. During the fourth quarter a lump sum bill was charged to me to pay in order to be introduced in the system like everyone else who pay taxes on a property. They used the lump sun bill amount plus the first and second quarter payment vouchers for the 2016 year and added together giving me an exorbitant Yearly Tax payment amount. How is it possible that after giving them official documents that state of how much your property is assessed by the tax assessor and the interest rate the municipality is charging for the property, Stearn 's Lending LLC ca n't calculate and determine the exact amount of your taxes for the upcoming year. It really showed that I was dealing with a bunch of incompetent and unwilling individuals.
It seems to be that I am doing their job, gathering documents that they should be the ones requesting form the official entities. I am facing with a {$400.00} dollars increased mortgage payment, and its putting the burden on my finances. I have supplied official documents from my tax office declaring the official amount charged to my property and Stearn 's Lending LLC can even get it right. The tax assessor from my locality, faxed the forms, and mail them. After 5 business days I called them asking for the status of this documents. It seems to be that no-one received and no-one knows anything about it. I personally Mailed them a second copy of those official documents, after another 5 days I called them and I got the same response. No-one knows where those documents are. I email them over their secure system and I obtained by second time their tracking number, I called their customer support and they told me that they have n't received those documents. Third time I called customer support and I asked them whats the status of the Tax documents, they told me that there is not such thing on the system. I decided to send them the third time right on the spot. I asked the customer service attendant to verify if they got my documents after reading to them the ticket number sequence. They finally saw it, they told me that the will send those documents to the respective attendant and I still waiting. No response, no confirmation, they can not resolve the problem.
I have multiple terrible experiences with customer service. Emails never responded to. Promises for calls back never received. Talked in circles rather than addressed or issues.
I am nauseated of dealing with this company.
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| 09/22/2015 |
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 loan that was sold to Steans Lending, and have been making my payments online without any issue. They had been keeping my bank account in their system allowing me to go online every month and make payments and recently removed my bank account forcing me to type it in each month. For the XXXX payment I typed in my bank account number ( you have to do it twice ) and then Stearns came back a week after the payment date and said it was the wrong account number ( missing the last digit ) and charged me a {$20.00} fee ( plus wanted to charge extra since it was not in the first 4 days of the month ). I am also complaining that they charge a fee if you make a payment online if it is not in the first 4 days of the month yet do not for a mailed check even though it is cheaper for them to take online payments. The mortgage I signed said nothing about a company being allowed to charge a fee as long as the mortgage is paid on the due date plus 15 days. They also did not send an email to show the last XXXX digits like they had in the past. Their system removed XXXX digit that I had entered so they could charge me additional fees. I called to complain and spoke to XXXX ( ID # XXXX ) and he refused to remove the fees.I complained about my bank account not being in the system every month and he said it was removed because their system is not secure ( pull the recorded call ). I asked to speak to a manager and he refused to transfer me. When I asked who Stearns was regulated by he hung up on me. I called back and was told I could not speak to a manager and that someone would call me back. I have yet to speak to a manager and in fact have called again and they have blackballed me so that I must wait XXXX mins before I can even speak to someone.
Here is what I would like done. First, force them to refund the fee. They can not prove what was entered and are purposely and maliciously trying to extract extra penalty fees. Second, force them to sell my mortgage to a company I agree to, if they can actually prove they own the mortgage, which I truly doubt. If not release the lien as requested later. ( I 've already been a victim of identity theft once and since their system is not secure I should not be forced to be in contact with them. ) Third, force them to after providing me with a full history of my account information make them remove all of my personal information. Fourth, make them provide the original loan documents. I did not process my loan with them and I do not believe that they have original documents and are thus not authorized to collect on my loan, in which case my loan should be terminated and the mortgage should be removed from my credit, and the lien removed from the property. Fifth, they should be fined XXXX of dollars since they have people 's financial information and do not have it secured. This is a rouge company and if they are not shut down ( since you have been given fair warning ) then other people 's lives will be impacted. As a protection agency you are there to protect the public interest. Sixth, provide me a lifetime of credit monitoring since they probably have already lost my financial information due to their unsecure system.
Thank you for your help..
May you have a wonderful and blessed week.
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| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have been issued a FEMA insurance claim check for flood damage during hurricane XXXX. The claim was processed by XXXX who made the claim check for structural damage and for a refrigerator loss out to me and my mortgage servicer Stearns Lending. Stearns had me turn over the signed insurance claim check to a third party loss claim company. This company is sometimes called XXXX, sometimes XXXX XXXX XXXX, and sometimes XXXX. All have the same address as XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ). They direct all inquires to XXXX.
My mortgage is owned by XXXX XXXX and serviced by Stearns Lending.
XXXX has done nothing but delay payment on the loan. They refuse to send any written documentation. The only available documentation is on their website. The documentation there does not conform to the requirements in the " Single Family Seller/Servicer Guide '' provided by XXXX XXXX ( Section 8202.11 ).
XXXX will not provide any documentation on what paperwork may be missing. Their customer service representatives simply list what is on the website. They will not list what documents they have or need.
XXXX has also refused to make payment lot me for money I have already paid to contractors. In fact they do not have any documentation on their website listing where payment receipts, paid invoices, or cashed checks can be uploaded. I was not informed of any of these options until my 5th call to customer service and finally getting an 'expedited ' representative XXXX XXXX . She was the first to inquire about paid contractors.
XXXX has not, to my knowledge, deposited my insurance check in a Federally insured interest bearing account as required by XXXX XXXX regulations.
XXXX has refused 2 telephone requests and one written request for disbursement of the funds for my refrigerator. This is specifically required under the XXXX XXXX policy listed above.
XXXX does not provide any feedback on uploaded items for at least 3 days. They do not contact the customer when an item is rejected, they simply wait and delay the claim.
XXXX takes up to 5 additional days to access the uploaded documents. If a check is issued, then it will be delayed an additional 5 day to process the check, which is then sent back to the service center where it is again delayed before mailing.
XXXX 's website documentation lists the initial disbursement at {$20000.00} which is half of the required {$40000.00} required by XXXX XXXX.
I have been told 6 separate times that a check is being processed via telephone calls. Each time I call to follow up, there is some reason the the check could not be processed. Then a promise of a new check being processed ( with an addition 5 day delay ).
XXXX 's website has updated to show that I should have a check processed 4 days after XX/XX/XXXX. No check was processed. The website also showed I was to be issued a second check 6 days after XX/XX/XXXX. No check was processed.
Currently, XXXX claims they are reviewing issuing a check for XXXX ( the full amount of my insurance check ). It is unclear if any action is being taken on this check, although I have been told it was requested on XX/XX/XXXX. The customer service representative said that they would not know if the request was granted for an additional 5 days.
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| 03/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please see the below letter, written by my wife, regarding the HORRIBLE EXPERIENCE that we are having with Stearns. It's an absolute joke, the time and effort we have had to put into trying to get back penalties that we were forced to pay when we had to pay two tax bills out of our own pocket. Isn't that what escrow is for? We have been MORE than patient with Stearns, trying to get our funds back. We are at the end of our rope and don't know what else to do to get the situation resolved. If you have further questions, please feel free to contact me via email or phone.
We have had a bad experience ( since XX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.
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| 03/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have an issue with my mortgage lender Stearns. I bought my house a few years ago with a30 year fixed GSE XXXX XXXX mortgage through Stearns. It had taken me years of scraping by, but I was able to come up with the 15 % down payment. I have gone through multiple hardships that caused me to fall delinquent but have always tried to engage with Stearns and have even made a reinstatement payment to them at one point in time which they did not apply to my loan balance. I feel that they no longer are interested in working with me and are denying me access to government and internal programs that I should be reviewed for. I am back on my feet and working full time after a yearlong battle with XXXX and expect Stearns to work with me and review me for homeowner assistance options. Instead they have set a foreclosure sale date of XX/XX/XXXX!
At the time I purchase my home I had a good paying job and was easily able to afford my mortgage payment. Not long after that my son was XXXX and there were XXXX XXXX and he needed the XXXX XXXX XXXX XXXX XXXX XXXX. This kept us in and out of the hospital for 9 months and I had to take a lot of time off of work to try and manage and care for him. As a result, I missed a couple of mortgage payments. I entered into an accelerated payment program in order to try and get back into good standing with Stearns. The problem is that these payments were not applied to my balance and I did not know where the extra money went. A few months later I made a good faith payment of {$9000.00} which should have brought me current. However, Stearns failed to apply the money to my loan and I was still reporting as behind on the loan and this money sat in suspense for a long time.
In 2016 I was diagnosed with XXXX XXXX and had to begin treatment and also had multiple XXXX. I was unable to work and once again defaulted on my mortgage. While going through treatment I was shocked to find that my lump sum payment had STILL not been applied and that I was reporting over one year late. I am happy to say that I am now XXXX XXXX, and that I resumed working at my job this past week. I make a good living and I am able to afford a fair mortgage payment. The problem is that Stearns seems more interested in foreclosing on my home than giving me a chance to fix this matter.
I really feel that I have been deceived and misled by Stearns. I paid the accelerated payments and then made the lump sum reinstatement payment but they still showed me as late. I continued making my monthly payments until I had to battle with XXXX and was physically unable to work. I was still trying to negotiate with your Stearns during that time but made no headway. My case was transferred from department to department and I never had a definitive account manager. Now that I am back on my feet I need Stearns to work with me.
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| 01/17/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am a XXXX XXXX veteran who served my country proudly for 26 years. At the time I purchased my home with a VA loan I had steady employment with the same XXXX company for 18 years and felt secure that I would have no issues affording my home. Unfortunately 3 months after the deal closed I was laid off and for a period of 6 months only had limited income. As a result I struggled financially and defaulted on my mortgage payment. My issue is that my current servicer Stearns is not giving me any options to resolve my delinquency. My hardship was temporary and I am employed again and receiving military pension as well as SSI. I can afford a reasonable payment. However, Stearns has given me the runaround during the last 18 months that I have fought to solve this problem and now I face a foreclosure sale date on XX/XX/XXXX. This is wrong.
I was a XXXX XXXX XXXX in the XXXX for 26 years. After getting out of the XXXX. I found work as a XXXX XXXX for an XXXX company and worked there for 18 years. We moved to the Florida area in XX/XX/XXXX and I was happy to be able to purchase a home with a VA loan in XX/XX/XXXX. As mentioned, when I closed the deal everything was fine at work, and I was shocked when I was laid off 3 months later after 18 years. I spent a lot of time looking for a new job and finally found work as a XXXX XXXX about 6 months later. During that time period the only income came from my pension and we struggled financially and fell behind on our bills. I reached out to our servicer at the time XXXX XXXX to attempt to get some assistance through modification or forbearance or repayment plan. We started going through a very laborious process where our documents were continually misplaced, there was no assigned point of contact and a very confusing period with little to no communication. Eventually a review was conducted and I was told we were denied because I made too much money? I then tried to make a lump sum payment of {$6000.00} in order to get back in good standing but Stearns refused to accept this payment. To date they have continued to demand full reinstatement of the whole past due amount. My financial circumstances have changed, I now receive SSI along with my pension and my full time work. I can easily afford a reasonable mortgage payment. The problem is that Stearns is telling me I make too much money so they wo n't give me any choices except pay it all back. However, I do n't have the resources to pay it all back.
I firmly believe that Stearns is denying access to government programs that should be made available to a homeowner with a VA loan. I am hopeful that your office can intervene on my behalf and help with this matter. I am facing an upcoming sale date and need to save my home, it is the right and fair thing to do.
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| 10/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I apologize in advance for the tone of this email, but it 's frustrating to have had my mortgage sold to a company that is unresponsive and seemingly disinterested.
Early in XXXX I switched my home insurance companies and began paying through payroll deduction. I informed the mortgage company ( XXXX XXXX, XXXX ) ahead of time of the switch, which they never processed. I received in the mail a warning that my insurance expired and Stearns was purchasing a more expensive plan for me. I called to resolved and remind them of the change, which seemed to resolve the issue. A few weeks later I saw a payment from escrow for the full annual payment for the new insurance policy. I emailed and called to attempt to resolve, with no luck via either route. I have since been paying a higher monthly mortgage payment due to the still included escrow amount for insurance, as well as paying for the insurance via payroll deduction. I have now been receiving refund checks from my insurer for over-payment and my attempts to contact Stearns are ignored - i.e. my emails are " acknowledged '' but never replied to and I have not received a call from the company. I refuse to call again after being " transferred '' back to the auto-prompt multiple times. My calls literally go back to square one.
Below is part of the email chain ( redacted ) I have ( a one-sided " conversation '' ) where I explain the issue as I did over the phone and suggest what actions need to be taken to resolve the problem. This has worked as well as calling the company ( i.e. It does n't ).
" I emailed you multiple times over the past month to update my insurance and escrow. It 's finally recorded with you, but the monthly payment on my escrow has not been updated yet and you paid my home insurance in full from my escrow when I told you in each of my emails that it is now paid through payroll deduction on my end. Please recall the $ XXXX you paid to XXXX XXXX on XXXX/XXXX/XXXX, adjust my monthly escrow payment to reflect the fact that I now pay home insurance through payroll deduction, and recalculate what is needed to be kept in escrow. Please call me to confirm what work has been performed on your end when this is resolved. '' ( redacted prior email ) " After multiple email tickets over the past few months with no success, I just spent an hour on hold, being transferred, and hung up on multiple times via the number provided here. If I can not get assistance via email or phone, I 'm not really sure what I need to do to get assistance. If you have any questions, and because calling or emailing you had been fruitless in numerous attempts, please call me if you have any questions or need to speak with me to address the above. ''
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| 10/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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My wife and I purchased a home in XXXX, MD on XXXX XXXX of this year. The original lender, XXXX XXXX, XXXX XXXX Lending, subsequently sold the mortgage to Stearns Lending, LLC. To ensure that our mortgage payment was made on time, we set up an automatic bank deduction with the loan servicer, XXXX. That arrangement was corroborated by a letter from XXXX on XXXX XXXX confirming that the initial draft against our specified bank account would be drawn on XXXX XXXX. However, for unknown reasons that did not occur. We assumed that at some point the deduction would be made as per our instructions and waited for the debit to appear. When it became clear that the transaction due in XX/XX/XXXX did n't occur I contacted a Stearns agent in an effort to resolve the confusion. She informed me that we had authorized making a double payment instead of paying in XXXX separate installments, which we preferred to do. The Stearns agent accepted our request indicating it was okay void one of the payments. That would have kept the mortgage current. However on or about XXXX XXXX we received notice from Stearns that our loan was in default. When I subsequently contacted Stearns, I was told by a collection agent that no payments were made and that the original information provided by Stearns was incorrect. It turns out that all the attempted payments were inadvertently cancelled. Sensing that our credit was in jeopardy I immediately brought the mortgage up to date by making two payments. However, checking our credit score this week I noticed that it had dropped XXXX points in the last month to a " not good '' rating. Looking at the actual credit report I see that Stearns reported that we were 30 days delinquent in making our XX/XX/XXXX mortgage payment, even though we tried in good faith to do so. This unfortunate situation could easily have been avoided had I received adequate notice from Stearns that a technical default was imminent. Our credit report shows no previous mortgage delinquencies in our history and that we have always been up to date with these payments. A low credit score has consequences in terms of obtaining additional credit and possible employment. We believe Stearns ' action has tarnished our reputation and that as a remedy the company must correct the delinquency report to the appropriate credit reporting agencies. Premature delinquency reporting is an unacceptable tactic that amounts to harassment causing considerable emotional stress. Incidentally, no late fees were imposed during this entire period indicating that no delinquency actually occurred. We have also filed a complaint with a credit bureau which is investigating the matter. Thank you in advance for your consideration.
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| 02/18/2019 |
Yes |
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- Trouble during payment process
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Web |
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I recieved a letter from XXXX XXXX on XX/XX/XXXX stating my mortgage loan would be transferred from Stearns lending LLC to XXXX XXXX effective XX/XX/XXXX. In this notice of servicing transfer, it stated Stearns lending LLC would stop accepting payment recieved from me after XX/XX/XXXX. Those are the words used verbatim. I recieved another letter from Stearns lending LLC on XX/XX/XXXX stating The notice of loan transfer it states verbatim : the servicing of your mortgage loan is being transferred, effective XX/XX/XXXX. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Stearns lending LLC c/o XXXX XXXX XXXX is now collecting your payments. Stearns lending LLC c/o XXXX XXXX will stop accepting payments recieved from you after XX/XX/XXXX. XXXX XXXX mortgage will collect your payments going forward. Your new servicer will start accepting payments recieved from you on XX/XX/XXXX. Send all payments due on or after XX/XX/XXXX to XXXX XXXX XXXX XXXX at this address ( then they gave me the info for XXXX XXXX ). I then set up automatic payments to start for XXXX XXXX on XX/XX/XXXX on their website. I looked at my bank account on XX/XX/XXXX to make sure the new payment went through smoothly to see a negative balance because Stearns LLC STILL took my mortgage payment out. So, now I had paid my mortgage payment not only to XXXX XXXX ( new servicer ) but the payment had also been made to Stearns as well without my permission. I tried calling Stearns on XXXX and someone told me they were taking care of it and they would overnight me a check. That never happened. I proceeded to call both companies numerous times daily for weeks trying to figure out where my money was and neither company knows where it is. Stearns stated on XXXX over the phone that my loan was actually tranferred on XX/XX/XXXX and that the funds were sent over but XXXX XXXX states those funds ( the mortgage payment made on XXXX to Stearns ) was never recieved and that it could take up to 30 days from the transfer to see those funds. Another person stated from Stearns that the money was in a suspended area of the account and that they dont know where the money is now. I am currently on maternity leave and I do not have the money to be able to pay my mortgage this coming month now because Stearns took this money from me and refuses to give it back. I filed fraud for the payment at my bank a week ago but still have not recieved any information as to where this money is or how to get it back. I am out of options and need help.
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| 04/13/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Dear CFPB professionals, I recently financed my home and at closing I was told I could make early half payments ( twice monthly ) and 15 days of interest would be saved on the early half payment.
A few months later, a company named Stearns ( XXXX. XXXX XXXX XXXX XXXX, Va XXXX ) purchased my loan.
On or about XX/XX/XXXX, Stearns representative " XXXX '' told me that early payments get put into a " suspense bucket '' and held until the rest of the payment is received.
When I explained that they were altering the agreement set forth at closing to the disadvantage of their customers, she told me that was their policy and gave me the email address to their customer support.
I emailed Stearns customer support on XXXX. XXXX with a carbon copy sent to my mortgage broker ( a witness to the agreement at closing ) stating that their policy does not give them the right to alter the terms of loans they purchase.
They replied with a canned pass the buck email and assigned my case a ticket number XXXX, I have not heard back from them since.
I sent follow up emails and got the same canned pass the buck email which appears to be generated by an email auto-responder because it doesn't attempt to answer even simple questions like " is my case being reviewed? '' " if not, how long will I have to wait '', etc.
On XXXX. XXXX, I also sent them a copy the " Closing Disclosure '' document ( attached ) that I received at closing explaining my Loan Terms and clearly stating that this loan has no prepayment penalty features, I received the same canned pass the buck email back.
Holding my partial early payment for 15 days while still collecting the interest on that already received payment, is a significant penalty that will add years to the loans payoff date.
I also asked them in an email to send me the portion of the loan agreement, stating that they could hold an early partial payment for 15 days and continue to charge interest on that already paid amount, I received the same canned pass the buck email back again.
I followed up with a call on XXXX. XXXX and their representative gave me the same " suspense bucket '' answer over the phone.
She couldn't even update me on my case when I offered her my ticket number.
I also have a chain of emails I can attach, if this would be helpful?
Please investigate this and make them fix it, their " policy '' appears to be to alter loan agreements that they purchase to the customer 's disadvantage.
Nice way to treat the people who bailed out their industry during the 2008-2009 financial crisis.
Sincrerly, XXXX XXXX
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| 05/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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This the letter I sent to our new mortgage provider We have learned that our mortgage has been sent to you and that at some point Stearns decided to send in the paperwork to foreclose on our house.
We have been fighting with them for two years over mis-managed payments by us for our mortgage.
Stearns says we owe {$13000.00}.
By our records from XX/XX/XXXX thru XX/XX/XXXX we paid {$40000.00}.
We owed {$44000.00}.
Total behind {$4000.00}.
And there is an escrow of {$1700.00} They have tried to tell us on more than one occasion that we didnt have insurance, we sent proof otherwise and they have never fixed any of the issues that we spoke to them about.
Stearns Lending created escrows on our account in XX/XX/XXXX and in XX/XX/XXXX claiming we did not have insurance. Both times we had the insurance and presented proof. It took a considerable amount of time for them to realize we were correct and get rid of the escrow. They told us each time, that we needed to send them a letter stating that we wanted the escrow that was created in error, to be removed. Each time this happened it extended the amount of time of the escrows existence and made us late on payments we were making due to the incorrect information they had on file.
This situation also affected our credit adversely. My wife 's and my credit plummeted. They finally fixed the error and our credit went back up but never fully recovered. I have attached photo evidence to show what Stearns has done to our credit. From my conversations with XXXX at XXXX XXXX, the mortgage was never returned to the original amount as was discussed and written in a letter from Stearns after removing each of the escrows.
A lot of pain, suffering and financial burden has occurred from what Stearns Lending has done.
The emotional pain has been huge. Arguments, talk of divorce, total dissension in our home.
We have not been able to do anything with our credit since this started in XX/XX/XXXX. We wanted to get a home equity loan to add solar, and air conditioning and lower our payments. We could not.
As we are fighting the claims by Stearns on how much we owe, we are falling further and further behind.
One reason for this is XXXX XXXX, the company Stearns sold our deed to, told us not to pay until this is resolved.
There have been two recent escrows created because of property taxes not being paid on time. That was caused by the state of Hawaii and filing issues that we are also currently dealing with and paperwork has been filed.
Even with that we do not owe them nearly what they claim we do.
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| 11/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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I am a first time home buyer and I purchased a home using Stearn 's Lending Mortgage Brokers in XXXX 2016. I was failed by Stearn 's Lending and the apprasial company because I trusted what I was told by both the apprasier and the mortage broker. The apprasier valued my home for XXXX without considering the roof and the bank allowed this to happen. I am now in a hardship financial situation now because the apprasier that was selected by Stearn 's Lending to appraise my home did not appraise the roof for any damage or age issues. I questioned my Stearn 's broker about it and told her I was not happy that the roof was not apprasied and how could the life span of the roof not contribute to the value of the home. I asked for the appraiser to be contacted and asked to go back and appraise the roof but she said they were not able to interact with the appraiser because they were an independent company. That made no sense to me but sense I was a new home buyer and trusted her information I believed her. Now that I have closed on the house, I learn that there are XXXX roofs on the house with a hole in the left corner and dryrot all around the whole perimeter of the house. I 've had XXXX roofers look at the roof and both said they would not patch a roof with that much dryrot so my only option now is to replace the roof. That is XXXX plus for me to pay when it should of been addressed before I purchased the home. The roofer also noticed that part of the outside wall of the back of the house was not wood but actually plaster! I was told that the seller did that cheep repair just to sell the house but when it rains, that plaster is going to start crumbling. The seller also repaired the master bedroom celing by spraying a sealant instead of using sheetrock. Once again here is something that should of been reported by the apprasial because it was visually accessable to him but it was n't listed at all. I want CFPB to look into my problem because I am in a hardship situation and I feel like I was taken advantage of. The value of the home could not be what the apprasier set it as with a roof with dryrot and a hole in it. I feel like there was some sort of fraud or neglect by the apprasier and the mortgage broker to protect me and put me in a house that is totally functional. Since they did not protect me it has left me in a financial hardship and a home that may incure structure damage and be inhabital for me and my son to live in if I do n't get this roof and wall repaired. I am devistated, please help me. Thank you
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| 11/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Three of us, myself and a married couple, purchased a home as Tenants in Common. All three of us are on the same mortgage note. The married couple are listed as the primary borrower and secondary borrow, myself listed as a co-borrower.
The note was sold to Stearns Lending which indicates it provides an online portal for our loan management. I attempted to register with the portal ( XX/XX/XXXX ) and was denied access. I called the customer service number to find out why I couldn't register and was told that it was just a glitch in the system, that the support desk was notified and that I would have access soon. Then, end of day, I still did not have access. I filed a customer support ticket through the website and received a reply ( XX/XX/XXXX ) stating : " We are sorry you have been experiencing difficulty with the website. Our platform only allows for two separate profiles per account. Therefore the person listed third on the loan will not have access under a separate profile of their own.
Please feel free to contact us if you have any additional questions. '' I filed a secondary support request ( XX/XX/XXXX ) indicating that I needed access along with the primary borrow, while the third person would not need access. To which I received the reply ( XX/XX/XXXX ) : " We have received your recent inquiry regarding your mortgage account. Please have Mr. XXXX the primary mortgagor submit the request to have the names changed on the account. '' The person listed as the primary mortgagor called the support number and explained the situation as well as indicated the reference number to the last support request. He explained that as borrowers we all need the ability to manage our account and that we need to be able to make separate payments for tax filing purposes. The support representative put us on hold to check on it and returned saying that there was no way that access could be granted to me and the primary borrow and that we would have to switch primary and co-borrower. We told the representative that this is not an acceptable practice and asked to speak to a supervisor and were placed on hold. We never completed the call due to a very long hold time.
As borrowers, we should all be able to access and manage our accounts and make payments individually.
1. This arbitrary limit of 2 profiles per loan is unacceptable. This can't the first time that more than two borrowers have opened a mortgage.
2. We must have the ability to pay portions of the mortgage separately for tax filing purposes.
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| 02/19/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I have contacted Stearns Lending multiple times to get my escrow adjusted to reflect a property tax exemption from my county. First, it was to see what information was needed in order to adjust it. I submitted the questions through the online contact form. I received an email confirming that the request was received, however, I never heard back. I called in after waiting the requested 10 business days and was told that the county needed to send them a form. When I asked for the form, they said that the county is the one who has it. I called my county who had no clue what is was but offered to write a letter confirming the property tax exemption on the property for my service XXXX veteran husband. This letter included all the information on my property including the estimated tax bill for 2016.
On XX/XX/XXXX, I submitted this letter through the same secured form online and got a confirmation that they received my request and it asked for XXXX business days to review and research it. On XX/XX/XXXX, I called in because I again never heard a response from the company. I was told that they denied my request for Escrow Adjustment because I did n't submit an actual tax bill. When I explained that tax bills do not get issued until XX/XX/XXXX, they said that they can not go off of the county 's estimated tax bill. I questioned this because they are currently withholding the escrow based off an estimation and not an actual tax bill. The answer was still no, they would not adjust my escrow based off of my tax exemption. This puts a large strain on my monthly cash flow because the difference in escrow is about {$150.00} a month.
I also questioned why I was not informed that the request was denied. I literally had no communication back from Stearns lending after I submitted the request. I was told that I submitted the wrong form. I questioned how that was possible considering that I used their form online. I never got a clear answer. The agent I spoke with was agent # XXXX. I 'd love someone to review this call because it truly was bizarre.
I 'm appalled that a company who is holding VA mortgages is not more familiar with tax exemption available to XXXX Veterans. Also, this is the not first time I 've had issues getting my escrow adjusted. When I switched insurance policies, I had to submit the request 4 times before it actually was done. Each time I called, I was informed that they never received the information. There is a systemic issue with bad service and communication at this company.
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| 03/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have had a bad experience ( sinceXX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XX/XX/XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information, or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.
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| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I applied for a mortgage to purchase a new home. I offered to put 5 % down, and asked to increase the loan enough to include seller paid closing costs. Based on estimates provided from the mortgage company, I offered XXXX with up to {$8000.00} in seller paid closing costs. The lender sent me an initial TIL and explained that the closing costs would be less than expected, with an explanation that I could ask the seller to modify the purchase offer and decrease it by {$2000.00} to be {$300000.00}, or we could buy down our interest rate from 4.99 % to 3.875 % for a cost of {$1500.00}, as a way to use most of the seller credit. The seller did not want to amend the purchase offer, so I asked the lender to buy down the rate to 3.875 %. The lender did.
Once we got close to closing, our loan officer went on vacation and her manager XXXX XXXX took over our loan process. We received closing statements showing that our rate at 3.875 %, but with the cost to buy down the rate significantly higher than {$1500.00} as originally agreed. It was explained to us that closing costs came out an additional {$2000.00} ( approximately ) lower than expected and they understood we wanted to use all of the seller credit, so they applied it to the rate buy down. Yet, the additional funds were not used to buy down the rate further. When I asked XXXX XXXX to use the funds to further buy down the rate, he refused claiming that I would need to pay multiple thousands of dollars in addition to the seller credits in order to reduce the rate to anything less than 3.875 %. I was already late for closing and at risk of losing the house as the seller would not agree to extend closing any further. So, I asked the lender to honor their original offer of buying down the rate to 3.875 % at a cost of {$1500.00}. The lender came close to that and the additional seller credit of approximately {$2000.00} was paid to the seller. Ultimately, I over paid for our home by roughly {$2000.00}. Fortunately, I am able to read and understand a TIL. Otherwise, the lender would have conveniently used all of the seller credit for the benefit of the lender, rather than the benefit of the borrower. My complaint is against XXXX XXXX with XXXX XXXX XXXX. I can provide the initial offer letter and initial TIL along with the final closing documents. Interim TIL were not provided to me in a paper format, but we're rather sent electronically through a cell phone app.
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| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I filed a complaint with you once Case number : XXXX and you did not investigate Stearns Mortgage and they have since retaliated against me and are costing me money. People look to your organization protect them and to help them and instead by filing a complaint they have retaliated. I hope that you will actually investigate them and work to make them fix my situation. After I filed the complaint they have not mailed me a statement. I had to contact them by email to actually get XXXX ( attached along with their reply ). They then sent my personal information via unsecured email. They also said they would mail me a copy and did not. You will note that my home address is correct on the statement. They transferred the servicing of my loan ( letter attached, which I only received via email after MULTIPLE attempts and being promised multiple times I would get a copy both via email and by mail. ) You will notice that the address they mailed this to is the property address, not my address. They have been correctly mailing my statements for years to the correct address but did n't send the transfer letter to my correct address. Not only that you 'll see that in their email reply to me when they finally sent me a copy of my statement they never mentioned that my loan had been transferred even though they had allegedly sent a letter over a week before and this was only days before they transferred my loan. I unknowingly then sent my check to them, weeks ago, and it has disappeared. The new servicer even admitted that they may have destroyed my check instead of legally transferring it as they should have. I have had to submit an address change with the post office to the property that is rented ( cost {$1.00} ). i am probably going to have atop payment on the check and then if it turns up get a fee for NSF, cost $ XXXX. I have my personal information along with loan amount and payment sent to tenants in a rental property. Cost will probably exceed {$5000.00} and I have to be worried about identity theft among other issues. And this because I filed a legitimate complaint and they can retaliate because the CFPB is not protecting me. I have multiple times been promised things from Stearns including all kinds of responses and they mostly fail to respond .This is completely ridiculous. I also believe this may have been racially motivated.
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| 09/24/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I acquired Stearns Lending as my mortgage company sometime around XXXX 2015. After my XXXX payment, they decided to increase my monthly payments form {$1200.00} to {$1300.00} per month without giving any notice, either written or otherwise. I called and asked them what happened and they told me they would research it. I then bounced around on phone calls back to them before finally being told the amount changed when they bought the loan and it had gone down from what my original loan amount was. I told them that was incorrect. I then looked around on their website and figured out they were collecting way too much money for my property taxes. I then called back and they told me XXXX XXXX, Indiana had given them that number and I would need a tax statement showing the proper amount. This took place between the first of XXXX and the middle of XXXX. I then went to the county assessor and they told me they had no idea where Stearns had gotten the tax amount and gave me a statement. I then sent them the statement on XXXX XXXX via email and received a response that the document was received and they would respond within 10 days of receipt with the corrected amount. I then spent XXXX and XXXX getting bills of {$1300.00} instead of the {$1200.00}, and I called at least XXXX times trying to get this fixed. They kept telling me it would " escalated '' and be fixed. I asked on at least XXXX separate occasions to speak with a supervisor and I would then be put on hold for XXXX minutes only to leave a voicemail, none of which were ever returned. Finally on XXXX XXXX, I called and threatened to sue. They assured me it would be taken care of. I called again on XXXX XXXX and they have finally fixed the amount of taxes, but it still needs to go back to their escrow department, which is n't scheduled until XXXX to review it. My bill is due on XXXX XXXX. This is unacceptable and a terrible way to do business. I do n't even want to do business with them after this fiasco, but it is going to cost me {$3000.00} to refinance. They told me I would receive a check for any money they owe me, but that is n't going to cover the extra interest I am paying on other bills I have n't paid in full due to having to pay them {$150.00} extra each month. Not to mention, they did n't give me a time frame in which to expect my money back.
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| 01/14/2016 |
Yes |
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- Settlement process and costs
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Web |
Servicemember |
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XXXX XXXX an employee at XXXX XXXX is dishonest regarding my Earnest Money and the contract at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX.
I was planning on purchasing a home XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX so I began to deal with XXXX XXXX from XXXX XXXX and XXXX XXXX from Stearns Lending. I was previously living in a apartment and my lease was ending in XXXX XXXX, 2015. I did not renew my lease so I had to move out on XXXX XXXX, 2015. I had been having some issues with XXXX XXXX and XXXX XXXX regarding the purchase of the above stated property. Some of the issues are that XXXX XXXX held my Contract that was signed by the Seller and Buyer for 30 days before giving me a copy regarding the residence stated. XXXX XXXX and XXXX XXXX gave me my Final Settlement Charge Statement and my Earnest Money was not on the statement and the {$5100.00} dollars from the Seller was only using {$3100.00} dollars, my insurance from my insurance company ( XXXX ) was only {$710.00}, and I explained that to XXXX XXXX and to XXXX XXXX. On the settlement charge statement they had my homeowners insurance showing {$820.00} and when I talked to XXXX XXXX about it he lied and said there was nothing he could do. From the beginning of this deal I felt that they were being dishonest and they were not treating me fairly. So I did not sign any of the settlement charge statement and I ask for XXXX XXXX XXXX to return my earnest money. XXXX . XXXX talk to XXXX XXXX and they came up with a new settlement charge statement. The new settlement charge statement had the same problems except the statement showed a raise in settlement charges and I also had to bring to closing {$1200.00}. So I ask them how could that be when I am 100 % financed thru VA. After the XXXX time of trying to work with them thru the many insults I received I then refused to sign the settlement statement and ask them for my earnest money. I never signed any of the final settlement charge statements because they were incorrect and dishonest. I call XXXX XXXX and XXXX XXXX about these issue and they would not return any of my calls. As a result of this unfortunate situation I am homeless and reaching out to you with this issue hoping you can help me get my earnest money back or find a solution for this matter.
Thank you, XXXX XXXX XXXX
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| 05/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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-New mortgage loan with Stearns/ XXXX XXXX , insurance was paid through my escrow account. XXXX I paid my mortgage insurance in full directly to my insurance provider for a full year for the dates XXXX . I provided Stearns with the information and a copy of the receipt showing the mortgage insurance was paid in full and requested the insurance to be removed from escrow and to stop billing me for insurance. -I have emailed, submitted to their website, mailed through the USPS , had my insurance provider contact Stearns and I have called 10 tim es submitting proof that the insurance was paid in full. Each time I speak to someone they say it 's being researched and has been escalated for resolution and each time they give me a resolution date which passes with no change to my bill. XXXX Stearns sent me a paper bill, Annual Escrow Account Disclosure Statement, stating that I have an escrow shortage of {$1000.00} due on XXXX / XXXX / XXXX in addition to my regular mortgage payment due XXXX / XXXX / XXXX and yet still including a portion to go to the escrow account to cover my insurance payment ( which they acknowledge on the phone that they see I 've paid ). I can not get an explanation on why there is an escrow shortage nor have they fixed the escrow issue. I paid {$870.00} directly to the insurance provider which should change the escrow shortage or overage. XXXX / XXXX / XXXX - The customer service rep I spoke to said complete resolution by XXXX / XXXX / XXXX . XXXX / XXXX / XXXX - I checked the website and my account has still not been updated. The customer service rep said he sees all the times I 've called and said someone will call me next week " maybe Monday or Tuesday ''. He has " reescalated the escalation ''. -As of today, they are still billing me for insurance. It has been two months since I paid the insurance in full and Stearns is still billing me for it and they are also billing me for an escrow shortage of {$1000.00} for a loan I have only had about 8 months. -My monthly bill has been {$1900.00}. The statement sent to me says if I do n't pay the {$1000.00} shortage my new bill will be {$2100.00} and they have not taken into account the {$870.00} payment directly to my insurance company.
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| 03/31/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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To : XXXX XXXX XXXX My Tax Exemption I.D . XXXX. XXXX # XXXX Stearns Lending LLC. VA Mortgage Loan Payment Dispute XXXX XXXX XXXX XXXX , Tax Exemption Payment Violation ; extortion.
XXXX Floor I am XXXX XXXX XXXXXXXX Veteran. A XXXX XXXX XXXX, XXXX XXXX Veteran ; according to my Mortgage Payment Location.
I am a XXXX XXXX XXXX XXXX XXXX.
In reference to my VA Mortgage Payment, Stearns Lending LLC. Refused to remove or deduct my Tax Exemption from Escrow Payment. Which becomes a Breach of Contract according to our Law and Constitution. Americans with Disabilities Act ( ADA ) as I clarify here-above about my Status.
Stearns Lending LLC decided to transferred my Mortgage payment to XXXX XXXX Due to my Complaints I filed through ( CFPB ) against them and their consumer financial violation on my VA Mortgage Loan with them. This Mortgage Loan was Transferred to XXXX XXXX on XX/XX/XXXX. Made Seven payments already to our VA Mortgage, in the amount of : {$1800.00} each month through Stearns Lending LLC.
Vulnerability from Stearns Lending LLC XXXX XXXX. According to the response, and, information defending violations ; have had they done to me and my VA Mortgage Loan with my wife. It also deemed especially egregious the disregarding to my Tax Exemption through-out 7 months of payments been made. I am sincerely asking for a rectification to our VA Mortgage Loan immediately. Otherwise, it is a breach of contract violation. Including under Americans with Disabilities Act ( ADA ) Federal Law of XX/XX/XXXX.
I consider Stearns Lending LLC action and activity to my Mortgage Payment a breach of Contract. According to Federal Law is concerned for Veterans Home loan Rule & Regulation. They might trying to Revised VA Home Loan Contract to Finagle us Veterans with our VA Home Loan Benefits Unscrupulous and Maladminister conduct by Stearns Lending LLc. I still want to see a Rectification. By Refund all my Tax Exemption money they charged me for my Escrow payment since XX/XX/XXXX through XX/XX/XXXX. If the shoe is on the other foot they will know XXXX well how it feels. Walk a mile on someone else shoe you all XXXX XXXX Stearns Lending LLC. Pardon me ( CFPB ). it does triggers my ( XXXX ) for what they're doing to me and my wife and children.
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| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I need a response regarding the refund of PMI that I overpaid to the lender, as well as an explanation for the {$13.00} PMI refund check I'm holding.
When I was online back in mid-XX/XX/XXXX, I logged into Stearns website to view my mortgage payment. I was shocked to see {$1200.00} was owed, considering my previous loan payments to my lender have been just over {$1000.00}. I then called Stearns ' customer service line on XX/XX/18 and spoke to them for over an hour.
On my XXXX call, we discovered the following : My interior annual home insurance of {$310.00} was paid from Stearns to XXXX TWICE on my behalf. Stearns XXXX this up and never informed me about it. As a result, I had XXXX send me a second check for {$310.00} ( they previously refunded me, but the check was either lost or inadvertently discarded ). This has since been corrected, to my inconvenience. Just wanted to illustrate how poor Stearns ' customer service is in contacting their customers to explain their errors.
Second, the payment increase was due to my estimated taxes spiking up about {$1000.00} annually- I am not disputing the escrow increase for this.
The third item is what I'm looking to resolve- I had asked the service rep, XXXX whether my PMI was no longer necessary as I had paid down 20 % of my property value. She confirmed that it did ( a number of months previously if I recall ), and recommended I sent the escrow team an email, asking them to investigate when my PMI expired, refunding me for any PMI overpaid. I sent this email to customer service that same day XX/XX/XXXX. I received an auto email stating that my message was received. Stearns never replied to this email. On XX/XX/XXXX, I received a " PMI Refund '' check for {$13.00} from Stearns. They did not provide any explanation how this refund was calculated. Also, since this refund represents about XXXX of my previous monthly PMI paid, I am skeptical that this refund is accurate.
I have since sent Stearns follow up requests XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting clarity on how my {$13.00} refund check is caclulated. During this whole period, I only received one customer service response on XX/XX/XXXX, stating that they were forwarding my PMI request to the mortgage
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| 06/09/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Stearns Lending, through a loan processor, provided a pre-approval letter for {$330000.00} prior to reviewing bank statements, which showed a new debt. As a XXXX time homebuyer, we thought it would show up automatically on our credit report. We believe that it was the role of the loan processor and underwriter to review requested documents prior to providing a pre-approval letter, which should have been factored in. After receiving the pre-approval letter, we began to search for homes. We found a home and went into escrow, which we had to pay {$300.00} for an inspection. Once the inspection was completed, the loan processor requested payment for the appraisal, which was deducted from my husband 's credit card for the amount of {$520.00}. A day after this request, the loan processor contacts me to alert me of the new debt that was not detected a month prior to escrow, which caused our loan not to be approved. Also, in the meantime, we did not receive the overview of the appraisal that was paid in full. Because of the incompetence of the lender, loan officer, and underwriter, we decided to cancel escrow. The loan officer sent us an email stating he will accommodate us for the upfront fees paid. During this process, the lender states that we are responsible for the appraisal and the only way we can receive a credit for the appraisal is if we continue with another transaction to where we were pre-approved on a revised amount for {$240000.00}. We declined, but the lender reiterated this is the only way we will receive our appraisal funds paid. But mind you, we never received the appraisal information because of this situation of the new debt found. We do have supporting documents through email, the pre-approval letter, and the receipt of what was charged for the appraisal from my husband 's credit card. We believe if the new debt was caught in the beginning prior to the pre-approval letter, we would not have paid the upfront fees to move forward with a home purchase that we did not qualify. Overall, they did not take accountability for their actions, and we lost {$820.00} which we would like refunded for the misleading information. We can also forward you the emails to prove they are authentic.
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| 10/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX/XXXX/XXXX, Stearns Lending made a tax payment of {$2200.00} from my escrow. I notified Stearns approximately 2 weeks later that this was not my correct tax amount and sent them a copy of the correct tax bill. I did not receive a return call but did receive an escrow refund of {$1200.00} XXXX issued XXXX/XXXX/XXXX ) which was not needed nor appropriate because if they had paid the correct tax amount no refund would have been needed.
I then deposited the escrow refund and went to the XXXX XXXX, MD tax office in an effort to pay the remainder of the tax bill only to find that no payment was applied to my tax account. I also learned that the tax amount paid was directed by Stearns to the wrong property. I called and notified Stearns of this issue with the specific account numbers and advised Stearns that the tax office advised Stearns would need to seek reimbursement from that owner and would still need to make payment for my tax bill which was due XXXX/XXXX/XXXX.
I called Stearns again approximately every 3 weeks or so each time being told the tax department was looking at the issue. On one of these occasions in XXXX XXXX, I was told the tax department had a follow up date showing of XXXX/XXXX/XXXX. I have never received any communication ( phone email or mail ) initiated by Stearns despite my requests to be contacted by the tax department supposedly working on this issue. To date, XXXX/XXXX/XXXX, I have not received reimbursement to my escrow account for the incorrectly applied withdrawal of {$2200.00} and have not had any payment made from my escrow to the tax bill properly owed. Based on my numerous notifications to Stearns Lending on multiple occasions and over 2 months passing since that notification I consider these funds to have been stolen as they have failed to exercise even the most basic of fiduciary duty in their exercise over my escrow account. Additionally, this is beginning to result in the assessment of interest charges by XXXX XXXX, MD tax authorities.
In addition to this issue, Stearns also noted that they did not know who the insurer was to cover that issue although the policy and payment was shown on the settlement and did not change.
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| 09/06/2018 |
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, postmarked the XXXX - I received letter in the mail that XXXX XXXX was selling my loan to XXXX XXXX. I was all set up with automatic payments for my mortgage so the money was withdrawn to my account and sent to stearns. I logged into the account to see what was going on because of the letter and my balance showed XXXX, i called into XXXX to set up my recurring payment with them on XX/XX/XXXX which is a week after the loan apparently transfered. XXXX couldnt find my loan anywhere, I called Stearns that same day to confirm and they said give it another week we show a XXXX balance and that its transfered. I call back on the XXXX and XXXX still doesnt have my account, also at this time i get an automated call from stearns to call. So i do, the automated system tells me I am past due on my XXXX payment. So i speak to representative who says that i am past due, but i tell her that I received two letters about a transfer of loan, and last week I was told by customer service that it was transferred. She says that is not correct and you are past due, I stated that Stearns collected the money and it is shown in my bank account as withdrawn and cleared. I was told to provide documentation of this transaction, so I did. They confirmed the received the payment and had sent it over to XXXX but in that time cancelled the transfer. I asked why then is my account showing past due and why am i getting collection calls - they stated they cant cancel until they get the money back from XXXX. Over the next two weeks i called a total of 6 times each time having to spend 45 minutes to an hour explaining the situation, I finally was able to stop the calls. I made my XXXX payment and then was notified again that my loan was being transferred to XXXX, so now I am here again with a mortgage payment missing somewhere although i paid it on time, and now XXXX shows me as past due and wont address until Stearns issues the payment i had made to them when i was still in their hands ... 3 months of stress, 12+ hours of calls with people now knowing what they are doing and the end result will most likely be that I show i dont pay my mortage on time even though i do
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| 10/13/2017 |
Yes |
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- Trouble during payment process
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Web |
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We have a loan through Stearns lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that Stearns lending services has sold our loan and we would be making payments to XXXX XXXX XXXX on the XXXX of XXXX.
On XXXX XXXX our mortgage was withdrawn by Stearns lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX.
I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out twice, This made no sense to me because the agent could see the double payment on her computer screen this was evident by her statement, " ok i see the payment on the 2 and the 10 '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call.
After that i called Stearns Lending about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact.
I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back.
It would be one thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out 2 in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help.
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| 01/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My loan servicer was transferred effective XXXX XXXX from XXXX ( Sterns Lending ) to XXXX. I never received notice of this transfer ; I therefore logged on to the original servicers website on XXXX XXXX and made a payment. I received an e-mail confirmation of acceptance for that payment. On XXXX XXXX, 2016 when the money had not been debited from my checking account I called to follow-up. It was at this point that I was made aware that my loan servicing was transferred as I never received the paperwork in the mail. There was NOTHING on the website notifying me of the loan transfer and I was allowed to submit a payment on XXXX XXXX, 2016, the date of the transfer. The individual I spoke to said that they would transfer my payment to the new servicer within 10 days. At this point I call the new loan servicer, XXXX, and via automated message on XXXX XXXX am notified that they do not have my loan information. I waited for more than 10 days and still no payment debited from my checking account. Additionally, the new loan service had called twice asking me why I had not made my payment for XXXX. On XXXX XXXX I again call the original mortgage servicer. On this call I am told that no, they will not be debiting my checking account for the payment even though I received a payment confirmation. Per the CFPB, the servicer should either transfer the payment to the transferee servicer for application to a borrower 's mortgage loan account, or return the payment to the person that made the payment and notify such person of the proper recipient of the payment. In my opinion neither of these actions occurred as the original servicer never once notified me that my payment was in fact not accepted ( although I received an electronic confirmation of acceptance ) and thus due to the non-acceptance needed to make my payment to the new company. Only though my own continued calling was the correct information eventually provided.
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| 11/16/2017 |
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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XXXX is my case number with institution.
I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called Stearns immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me ( after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, 3 separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over 120 points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards ( which I had no problems previously ) and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that Stearns should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.
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| 05/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I had hail damage to my residence and a rental property in XX/XX/XXXX. I notified my insurance agent at XXXX XXXX and proceeded with the claims process. I eventually submitted the insurance checks to Stearns to hold in escrow. Unfortunately they co-mingled the repair funds between the XXXX loans. I asked them repeatedly, verbally and in writing to stop mingling the funds and assign the proper repair funds to each loan. They never did.
To make matters worse, they transferred the loan for my residence which had more repair funds than it should have assigned to my residence loan. Because of quality issues and significant delays on the part of the roofing contractor I used for XXXX properties, I held back some of the checks from the contractor and they expired. I have called and spoken with XXXX multiple times and also wrote letters requesting they reissue the checks as they had verbally said they would do on multiple occasions but never did until I submitted a complaint to the CFPB or threatened to do so.
In my last letter to Stearns dated XX/XX/XXXX, I asked them to reissue XXXX checks, XXXX for {$14000.00} which they had designated as attached to the loan for my residence, their loan # XXXX, XXXX containing about {$3.00} of co-mingled funds ), and a check for {$240.00} for XXXX loan # XXXX. I eventually received a call from XXXX XXXX, of Loan Care who was doing the servicing for Stearns on XX/XX/XXXX. She said they had to wait on the funds from XXXX and we agreed she would call me weekly until I had the funds. She did not call me again. I called her at her direct number XXXX on XX/XX/XXXX. She did not answer so I left a message. She still has not returned my call.
I eventually received a check from XXXX in the amount of {$14000.00} dated XX/XX/XXXX which I reposited on XX/XX/XXXX. I have yet to receive the other check in the amount of {$240.00} after multiple letters and phone calls.
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| 11/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all.
Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate.
My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining.
I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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| 06/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX, XXXX Stearns Lending ( my home mortgage company, loan number XXXX ) sent me a confirmation email that my regular mortgage payment had been received and processed. I had sent a check in the amount of XXXX to them. The regular mortgage payment was {$970.00} and {$1000.00} was to be applied to the principal balance. The check was sent through the mail along with the payment coupon showing how the payment was to be applied. Stearns Lending cashed the check for only {$970.00}. I sent an email to their loan care department along with a copy of the cancelled check showing that only {$970.00} was taken out of my account. I received an email from them on XXXX XXXX confirming receipt of the email along with a ticket number ( XXXX ) investigating the issue. I did not hear from them again until XXXX XXXX when Stearns sent me an email saying the issue was resolved and the ticket closed. I called them to ask what was the resolution. The agent did not have a resolution in her documentation but said they would go my bank, XXXX, and pull the funds out. I called XXXX and pointed out that the check had not been cashed for the amount written. On XXXX XXXX XXXX debited my account for the additional {$1000.00} and sent the money to Stearns. I kept checking my Stearns account to verify the money had been applied to the principal of my mortgage. On XXXX XXXX when it still had not been applied, I called Stearns. I spoke to agent # XXXX who told me that I needed to get a " transmittal form '' from XXXX to prove that the money had been sent. XXXX tells me that I need to come into the bank in person to get that. I will do so in the next couple of days. In the meantime, the {$1000.00} has not been applied against my principal and my account is accruing interest that it would not be accruing if the principal had been reduced by the amount I paid at the end of XXXX.
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| 03/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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We are experiencing a very difficult time with the Stearns Lending LLC based out of XXXX, VA.
Stearns Lending ignores customer requests. They do NOT provide written confirmations or guarantees of service requests. ( Such as reversing their errors. ) If there is a late fee, they will continually apply late fee payments to the principle and will never mark an account as up to date. So your normal mortgage payments are seen by them as being underpaid. They will hold your payments and NOT apply them for a whole month and then take next month 's payment and pay off last month and say that the CURRENT month is now late. If you get a late payment, they set up a scheme to NEVER stop charging you late fees.
XX/XX/XXXX our mortgage payment increased due to local taxes. We make auto payments through our bank so we did n't realize that we had to pay more. In good faith we called Stearns Lending and asked " What do we have to pay to have our account be up to date and all late fees paid and be good with our normal payments '' They gave us the wrong amount over the phone. ( Requests for written information were always denied. ) In XX/XX/XXXX after we made our 'good faith ' payment. Stearns mailed out our statements late for XX/XX/XXXX. So we 'according to Stearns ' were still in arrears due to their late payments. Even though we promptly paid the amount they told us to. Since then ( XX/XX/XXXX ) it has been a constant cat and mouse game with Stearns, trying to get them to remove late fees and apply our payments properly.
I believe they do these practices on purpose in the hopes we 'll just bend over and pay all their false fees.
We make written inquiries via their website contact form and inquiries take forever to be acknowledged. They stall more by saying repeat inquiries will only delay the process.
Do NOT use STEARNS LENDING for your mortgage.
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| 07/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Stearns Lending from XXXX XXXXXXXX, VA sent me a Notice of Servicing Transfer. In that letter it stated that payments could be made to Stearns until XX/XX/2019. On XX/XX/XXXX I made my normal payment to XXXX online. In their confirmation email, it stated that if it was submitted before 10 pm EST it would be posted that day ( my submission was at 1:27 pm EST ). After about 11 days had passed, I noticed the amount had never been deducted from my account. I replied to their payment confirmation email and received an auto-generated response with a reference/ticket number ( XXXX ). The following morning I called their customer service phone number to check on the status of the ticket. I was informed that they cancelled my online payment because they no longer service my loan. They never informed me of the payment cancellation.
These are unacceptable business practices. First of all, if a company says they can accept payments through a certain date, they need to honor that commitment. Secondly, if they cancel a payment a customer has made, it is imperative that they let the customer know.
Finally, my new mortgage company, XXXX XXXX XXXX from XXXX, IL has not been much better at this point. They did not contact me at all. I had to call them to get my new loan number.
I am afraid that the business of buying and reselling mortgages has gotten to the point that the consumer is at the bottom of any consideration or sense of responsibility, or moral obligation, by the mortgage companies. Maybe it is time for some house cleaning and harsh fines levied against companies that fail to take into consideration the rights of consumers.
[ Note : I have not included any documents, but if needed I can supply the Notice of Servicing Transfer, the email confirmation of my payment, and the email auto-replies with the ticket/reference numbers. ]
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| 10/21/2017 |
Yes |
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- Trouble during payment process
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Web |
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My husband and I have been Stearns customers since XXXX of XXXX, shortly after we purchased our new home. Between the end of XXXX and the end of XXXX, our mortgage was sold from Stearns Lending to another company, and then repurchased by Stearns, which seems to be when this issue first arose. When our mortgage was reacquired by Stearns, they somehow miscalculated our PMI ( the value of which, {$190.00}, has not changed since we purchased our house in XXXX of XXXX ) as {$16.00}, despite taking out the full {$190.00} from our escrow account each month. This obviously created an escrow shortage, and by XXXX of XXXX that shortage amounted to {$1900.00}, which was then split up and added to all of XXXX 's payments, beginning in XXXX of XXXX. In XXXX of XXXX, our full mortgage payment was {$1300.00}, and in XXXX our full mortgage payment increased by over 23 % to {$1600.00}.
In XXXX of XXXX we requested an escrow analysis, at the urging of an employee at Stearns, who assured us that the PMI mistake was fully on Stearns shoulders, and she would look into the issue for us after an escrow analysis was completed. After the escrow analysis was complete, our payment went down by about {$30.00}, but we never heard back about the cause of the escrow shortage, nor did we hear back about Stearns ' mistake in calculating our monthly payment for all of XXXX. I 've spent hours on the phone trying to contact their customer service department, which is not easy to get a hold of, and I 've spoken to many employees over the phone, and a couple over email, in an attempt to get this incredibly inconvenient and detrimental mistake fixed. I do not understand, due to Stearns ' grievous miscalculation of a constant value in our mortgage payment, why my husband and I would be responsible for almost {$2000.00} of repayment for a mistake that is not our own.
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| 09/17/2015 |
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 had a mortgage with Stern 's Lending since XXXX/XXXX/XXXX. The city of XXXX XXXX taxes were assessed at {$1400.00} for the first year until my residency was established. In XXXX XXXX the residential abatement for the city of XXXX took effect reducing my tax liability drastically to {$160.00} per year. In XXXX I contacted My XXXX XXXX, the company that services the mortgages for Sterns ' Lending, notifying them about the change. I relayed the information from the XXXX assessors ' office that the mortgage company must apply to the city of XXXX for the over payment they made on my account. They asked for a new tax bill issued from the city of XXXX. I sent them a print screen from the assessors ' website. They said they needed the actual bill so I had to wait until I received the bill in XXXX XXXX, I immediately sent it to them. They finally refunded the excess escrow amount of {$1500.00} with a check issued on XXXX/XXXX/XXXX. That was a long time to wait for them to return my money.
Today I received notice from Sterns ' Lending of a new escrow amount of {$64.00} per month. Their letter states the tax liability is {$760.00} per year for my account. The city of XXXX assessors ' website says XXXX Preliminary ( Estimated ) Total Tax Due-First Hal ( XXXX XXXX ) : {$80.00} meaning my total tax bill will be XXXX for the year XXXX. City taxes are the only payment from the escrow account.
Today I called XXXX XXXX XXXX to inquire about the escrow account. They would only state the tax liability is {$760.00} for my account. I have no idea where this amount came from and the customer service person would only repeat that number. I would like a written explanation from them with a source document legitimizing the amount. I do not want to over pay my account and possibly wait another several months for the escrow to be reviewed.
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| 09/01/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I purchase my home in XX/XX/XXXX, now this current lending company took over my mortgage loan from another mortgage company early last year. XX/XX/XXXX. My mortgage payment at that time was {$1300.00}. In XX/XX/XXXX my house payment was reduced to {$1100.00}. I assumed it was perhaps my MIP insurance had dropped off as I had heard after 5 years FHA dropped it. I, however assumed, and did n't confirm the lower mortgage payment. I then received this Annual Escrow Disclosure Statement. Now, I have a {$2100.00} escrow shortage! Not only that, my house payment is now to be {$1500.00}! I have attempted to resolve this issue at least 6 times. Spoken to as many representatives. All of them can only recite the data on this disclosure statement! No one has addressed my concerns. How did I, after 6 years of ownership end up owing a shortage of {$2100.00}? Who initiated the change in my mortgage payment? Why was the change made? Why is my new mortgage payment {$400.00} more a month? I checked with my county tax, FHA MIP premiums, both of which the premium remains the same, or less!
I asked to speak to someone in the Escrow dept, and was told the escrow department does not accept call. The representative said she would email someone in the escrow department and have them return my call. This was 4 days ago. Someone from the escrow dept sent me an email stating the very same information the representatives stated!
I do n't know where to turn for help? I do not have the {$2100.00} they say I owe, nor can I afford another {$400.00} per month increase in my mortgage payment. Its worrisome how a mortgage company can dictate shortages, and increases without proper explanation to the consumer. I ask for assistance in this matter.
I simply do not understand how
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| 04/27/2017 |
Yes |
|
- Trouble during payment process
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Web |
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I purchased the property at XXXX XXXX XXXX in XXXX , PA on XXXX XXXX XXXX XXXX . When I purchased the home the taxes were assessed on the value of XXXX . I knew that was an unfair amount as property values declined significantly in the area. The previous owner assured me she had disputed this information and that I should see a reduction in XXXX of that yr. I checked the County websit e and did see that the value was reduced to XXXX dollar effective XXXX XXXX . I immediately called the lender to advise them of this information and inquire about a reduction in my mtg since this will affect my escrow. The first lady I spoke with told me there will be another analysis in XXXX . So, I called in XXXX to follow up. I spoke with a gentleman named XXXX . He told me the analysis was opened and then, closed and no modifications were noted. He agreed this was absurd and he reopened the analysis. XXXX XXXX , I called to follow up and spoke to XXXX . She also told me no modifications had been noted and she was going to look into it. She called me back to say they were working on the analysis but they never received a tax bill from m e. 1 ) I sent the most current tax bill 2 ) XXXX told me they can acces s the County website an d he did that and attached a comment to Escrow dept so again, I am not so sure this is the hold up. I have attempted to solve this issue myself by calling CS @ XXXX XXXX XXXX XXXX and I get the same run around. I should have received a refund check and my mtg should have gone down by now. I am asking for you assistance with this matter and to investigate any fraudulent activity on the lender 's part. Sincerely, XXXX XXXX XXXX XXXX XXXX Borrower
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| 01/05/2017 |
Yes |
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- Application, originator, mortgage broker
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Web |
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We want to state for the record we are a Business : XXXX filing the compliant on the consumers behalf ( our borrower ). We first started working with our borrower back in XXXX. It was an FHA loan that required a case number to be transferred to us as it was assigned to the property that was in the process of being purchased. that fell though due to financial difficulties. We were able to find a new property in XXXX for our client. This is the start of our complaint. After performing our query search we discovered that the case number that was attached to our borrower had been transferred to another Lender Stearns Lending. It then took 3 days to finally get in touch with someone who could assist with cancelling the case number ( it needed to be cancelled as our borrower was now interested in another property ) after another 3 days went by until were told by 2 parties from the lender that their records indicated the loan was closed. When looking up the information on our end we did notice that a closing date was entered for ( XX/XX/XXXX ) and MI was already collected for the old property our borrower was interested in-our borrower never closed on that property. We have documentation that proves cancellation of that property as well as the earnest money being returned It has now been over 2 weeks with no follow up from Stearns Lending. No documentation that our borrower closed on the property on their end. At this point there is closed a loan done by them using our borrowers SSN and date of birth on a property they never purchased. The lender is now " holding our borrower hostage '' as we can not proceed with our file nor will the borrower be able to close or purchase on any loan until the matter is addressed.
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| 03/15/2021 |
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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My husband and I have been working with XXXX XXXX, a mortgage broker, in XXXX XXXXXXXX. They found a mortgage lender for us, Stearns Lending, at a 2.5 % fixed rate for a 30 year mortgage and we were subsequently approved for the mortgage.
XXXX XXXX ordered the appraisal on XX/XX/2021. Stearns Lending then ordered an exterior only appraisal, despite the fact that an exterior only appraisal was NOT approved through the Automated Underwriting System ( AUS ). Our understanding is that the lender plugs into the AUS and delivers the conditions based on what XXXX XXXX grants. As a result of the actions of Stearns Lending, we lost 24 days in a bogus appraisal process and the mortgage broker didn't get the exterior appraisal until 42 days after it was ordered. We lost our 2.5 % rate lock because we lost the entire month of XXXX awaiting the exterior appraisal that Stearns Lending had inexplicably ordered, which ultimately ran out the clock on our rate lock.
The mortgage broker outlined the chain of events to the Stearns Lending account representative, who acknowledged the error, but refuses to honor our original rate. We subsequently contacted the Executive Vice President of the Wholesale Lending Division of Stearns Lending, who also refused to honor the original rate and suggested that our broker contact the account representative, which he had already done, to no avail.
This has caused us irreparable long term financial harm since rates have now gone above 3 % and are unlikely to fall to the level that we locked in. So we are currently stuck continuing to pay hundreds more per month on our current mortgage and the lender is unwilling to honor the original rate lock of 2.5 % despite their gross negligence.
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| 01/20/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
Servicemember |
|
A government entity assisted me on my home mortgage during the Covid-19 outbreak by making a check for {$2100.00} that was mailed by accident to a prior servicer called Stearns Lending / XXXX. XXXX XXXX XXXX from the XXXX County Community Services Department Office of Social Services where check # XXXX was issue from for amount on the complaint letter. Myself and XXXX have contacted loancare numerous times requesting that they find this check asap which they cashed on XX/XX/2020 after check was send by mistake on XX/XX/2020. They provided a ticket reference # XXXX. They've been telling both us and giving us the lies that they escalate and someone's is tracing this. Now I asked you or anyone reading this XXXX has send photocopies of bank check showing loancare cashing this but refuses to refund back the amount or sending this amount to correct servicer which is XXXX XXXX Mortgage so my account is updated. Instead there playing around and trying to keep money for themselves which is theft. I've even called executive office today XXXX and spoke Mrs. XXXX which administrative to XXXX XXXX and acted very unprofessional and seemed not to care about situation at-hand. I asked anyone reading this check the reviews for yourself. Why would you want to do business with someone that's keeping a check that belongs to someone else. I've explained to several supervisors of this company XXXX got this check was given to me during the covid-19 to assist me with another loan that's not them. These individuals can care less making promises that they broke their self they never return my calls or anything instead which is bunch of Lies like I said on reviews. A company like this should not have a license to operate.
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| 03/13/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
In XX/XX/2016 I was granted a XXXX Veteran Property Tax Exemption by the State of Texas, that was backdated to take effect XX/XX/2016. At that point, every month, my property taxes were being drafted with my mortgage & insurance. As soon as the XXXX exemption was approved I started going through the process of refunding all property taxes that had been paid for the year XX/XX/2016 and to have them stop escrow payments going forward for future property taxes, as I am exempt. At some point in XX/XX/XXXX, I was told I would need to call back in XX/XX/XXXX to check on the status. In XX/XX/XXXX I was told they had no information and I would need to re submit all the documentation again an start over. I have been calling them every other week to check on the status of my refund and cancellation of further tax escrow. They have told me I need to call because they are unable and not allowed to contact me, unless I owe them money. Today, the again acknowledged that I do not have to pay property taxes, and that they owe me a nearly {$8000.00} refund. But they have no answers for me on when and how that will happen. They again tell me that they will stop the monthly draft for tax escrow payments, but this has been ongoing for 6 months now, and they are still taking money for property taxes that I do not have to pay. I am told every time I call that they are going to notate the information, pass it up the chain, and make sure it is taken are of. Every time I call they say the same thing. I ask them to call me to keep me updated and they tell me they do not contact customers. Then, like clockwork, I receive my monthly mortgage statement that includes a property tax escrow payment.
|
| 10/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
To whom it may concern, I am writing regarding my current mortgage lending company : Stearns Lending who is currently subcontracting through an agency XXXX to handle some loan issues.
I had water damage to my den and back bathroom on XXXX XXXX, 2016. My home insurance company XXXX XXXX sent me a check to repairs these areas. The check for reimbursement {$13000.00} was sent to the attention of the lender and myself. I signed the check and sent it to XXXX XXXX XXXX on XXXX, XXXX, 2016 and they were suppose to sign it and issue a new check. I have been waiting 4 months to receive the reimbursement and fix my den and bathroom. In the meantime I have been reduced to using only XXXX bathroom in my house. I have a son that has a XXXX and is seen at XXXX. He XXXX and it is difficult for XXXX people to use XXXX XXXX when someone has a XXXX such as this. Also due to my previous bathroom being gutted it has let mice, ants, roaches and other rodents into my home. This has cause significant stress to me and other members of my household. They recently told me they would send me a disbursement to start the work. I ended up receiving a check for {$93.00} in the mail. I 'm not sure how they think this will get me started but I did not cash it. I do n't understand why they are holding on to the funds to fix my home. I have provided all the necessary documentation and permits. I need help. I have spoke to various managers and no one is doing anything. Also I am also the one that payed the insurance to cover my home. I spoke with XXXX XXXX and they also do n't understand what is taking so long and why the home has not been repaired.
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| 05/11/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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In XXXX XXXX , my husband and I began the process of looking for a home loan. Stearns Lending was recommended to us by a realtor who worked with Stearns. We applied to see what we qualified for and the lender, XXXX XXXX informed us that we could qualify for $ XXXX . We were excited and began shopping. On XXXX XXXX , we found a house in XXXX , MN. We made an offer the following day and our offer was accepted the next day. We asked the lender if they would be able to accommodate the closing date of XXXX XXXX and we got a resounding yes! So, the process began, we had to provide them with statements, bank accounts, letters, etc Each requirement we have provided and yet there always seems to have a blockage with Stearns. There was a period of about 3 weeks where we could not get a hold of the lender ; they never respo nded to any of our emails nor returned or calls. The closing did not happen XXXX XXXX . It was extende d 3 more times with excuses ranging from a family emergency to the appraisers not showing up at the property. The worst part is my family and I must pay another month of rent because the closing never happened. Our credit was pulled 2 more times after the initial application due to the postponed closings. Then after 2 months of excuses, we finally decided to go with another lender. And they got get our house closed in 9 days! Stearns dropped the ball numerous times and their apology was not substantial. They discounted some fees for us because of the circumstances but that would not be enough for the he aggravation, worry and time they have wasted.
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| 07/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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RE : Loan XXXX - XXXX Loan XXXX - STEARNS Property : XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
1. I, XXXX XXXX, refinanced with XXXX XXXX on XX/XX/2018. Stearns was my existing payoff lender, and sent a payoff good through XX/XX/2018.
2. The Funds from Title went to Stearns on XX/XX/2018.
3. Stearns and XXXX XXXX both confirmed that Stearns would transfer the funds to XXXX XXXX. Instead, The payoff funds were held by Stearns, and then returned back to escrow.
4. Escrow immediately notified me on XX/XX/2018, and I requested an immediate wiring of funds to XXXX XXXX, since Stearns was not accepting the payoff funds.
5. Because payoff date was erroneously labeled as XX/XX/2018 by XXXX XXXX, I was now SHORT of funds to XXXX XXXX. XXXX removed money out of my escrow balance to cover the difference.
6. This is the problem : My funding/recording date is technically XX/XX/2018 NOT XX/XX/2018. I have been paying interest to BOTH XXXX XXXX AND Stearns/XXXX during this overlap.
My Escrow Balance should be {$2600.00} NOT {$2000.00} My Principal Balance was {$420000.00} after XX/XX/XXXX Payment was made.
- See attached final closing statement from title to prove funding date of XX/XX/2018.
- See attached Grant Deed from county to prove recording of XXXX XXXX was on XX/XX/2018 - See attached payoff from Stearns that it was good through XX/XX/2018 which is past the closing date of the refinance.
- See Escrow Balance on Account History and Mortgage Statement. And See Attached Check Receipt on my refund of only {$2000.00}. Stearns/XXXX overcharged interest, and took it out of the escrow account.
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| 09/16/2015 |
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 for my residence in XXXX, NH which has been sold XXXX times now. The mortgage is currently held by the servicing company, Stearns Lending, XXXX XXXX, VA. The terms of my original loan were that no escrow account was required for either property taxes or property insurance. I have paid on time since the inception of the loan my mortgage, my taxes, and my insurance. All are current and up to date with no late payments. My loan was taken over by Stearns approximately 10 -12 months ago. During that period, no escrow was applied to my account. Stearns is in possession of my current property insurance coverages as well as the fact that I pay my insurance company directly. Two weeks ago I received a letter from Stearns stating that I owed them {$920.00} and that they were creating an escrow account for insurance and increasing my monthly mortgage rate by {$76.00} to make the escrow account. I pay XXXX directly for both my home and car insurance and it is up to date with no late payments. Stearns creation of this escrow account is in direct violation of the terms of my original mortgage. I do not want an escrow account and do not understand why I am being required to do so. I have contacted Stearns on numerous occasions and have received little to no appropriate response. I keep being sent back and forth between customer service, escrow, and insurance departments but apparently no one there seems to be able to correct the problem. It would be greatly appreciated if someone from your office could contact Stearns on my behalf. Thank you very much
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| 06/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX , 2017 Loan Estimate was p rovided with a {$14000.00} credit. Tha t 3 page Loan Estimate was signed by me the borrower and did n't show where the {$14000.00} credit was accounted from and had to be assumed as a lender credit, see attachments. A five page fin al disclosure was sent on XXXX XXXX , 2017 showing the credit removed with no legal explanation. See attachments. The loa n officer at XXXX XXXX XXXX , XXXX tried to explain that this was because of gift money. But in actuality was a numerical clerical error. Since the gift money was not to be held by the closing company a s 3rd party funds this was not to be a credit. They incorrectly categorized the funds as a gift and tried to correct their error. The gift was received in XXXX and was not related to the home purchase but was for wedding/honeymoon expenses. I had to disclose the money to the lender because of a 60 day review. In fact, current secured funds exceed the amount required by tens of thousands of dollars. The {$14000.00} is not required to meet the down payment. Accordin g to 1026.38 ( i ) ( 8 ) ( iii ) they are required to explain any changes and have refused to do so on the existing final disclosure. XXXX offered to resubmit a correc t LE in order to correct their error and I have rejected that offer, and it is borderline coercion. This is a numerical clerical error and should n't be legally allowed without firm explanation. This change was not due a borrowers changed circumstance. The change was due to errors on behalf of the lender.
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| 08/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Stearns Lending LLC is our mortgage as of XXXX XXXX, 2015. We just purchased this home and were only living there three weeks before a pipe broke and flooded the house. There was $ XXXX damage to the home and is unlivable. We have had to move over XXXX miles away from our home one way in XXXX traffic. We are having to travel back and forth to get my XXXX children to classes and activities. Since this happen on XXXX XXXX, the mortgage company Stearns Lending LLC received the money on the XXXX XXXX and told me today that they are only going release XXXX % of the depreciated payment of $ XXXX they received. Also advised we will not send out anymore more until the project is XXXX % completed which is to be verified by their inspectors within 7-10 business days. So you want my general contractor to complete XXXX % of $ XXXX repairs on $ XXXX?? XXXX XXXX is already holding XXXX % of the $ XXXX until completion of the job and now they want to hold more. What ... .he has spent more than that by ordering all the new cabinets, granite, tiles, and sheetrock, and then having the plumbing and electrical issues on top of doing all the demo. I am out of our home paying them a monthly mortgage and they are holding the money to get our home fixed so we can get moved back in. I need help! I am having XXXX and XXXX and having trouble driving due to all the stress. My doctors have related it to all this. I need to go home with my family to the house we are paying for monthly without them holding the money to delay this and make it as hard as possible to get it done.
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| 12/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2017 From XXXX XXXX XXXX XXXX : Stearns Lending fraud.
XXXX XXXX XXXX Dear Sir/Madam I have continually had issues with my loan with Stearns. Almost every payment they either reverse or re-apply to my detriment. I have been sending in extra payments yet they have recently charged me late fees and refuse to correct them. I have also sent in several cashiers checks recently of which some they have applied then later marked as " bad check reversal '' and un-applied them even though they are CASHIERS CHECKS from reputable banks. Regardless of the bank I use, they continually use these purposefully confusing shady fraudulent practices in order to hide the extra payments and mark my mortgage owed as higher than what I have paid.
I have requested via email and I have called and they either promise to fix and never fi or they refuse to fix their error saying it was my error. My loan should be a full {$10000.00} less right now than what they show ( not including the interest paid they need to refund me ).
I am only contacting you out of desperation because they will not help me and at this point my mortgage statement is so messed up it may take a forensic accountant to fix it. I am sure you will find more complaints regarding this company. The problems started when I began paying extra so I can only assume someone there has been funneling my money elsewhere.
PLEASE HELP!!! I can no longer accept this fraud and I need someone to force them to fix my mortgage correctly.
Thank you!
XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
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| 03/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Years ago ( 2006 ) I had a XXXX and XXXX mortgage with Stearns lending. Later my loan was transferred to several different companies ( because of the market crash and Stearns going under/companies experience buyouts etc. ) I eventually got a loan modification with XXXX. I am now with XXXX and have continually paid my mortgage on time. I am currently in the process of refinancing and when they pulled the title a lien from Stearns lending shows up on the title. The lien was not removed during the loan modification which was through the XXXX XXXX XXXX program. I have reached out to every company I can ( all except XXXX because they are no longer around ). I can not get anyone to help me remove the lien. The main company who should remove the lien is Stearns lending XXXX or XXXX if they were still around ). Stearns lending told me they would look into it, but now I have heard nothing. This is a mess and is likely going to make it so that I can't refinance the house and will never be able to until the lien is removed. I do not owe the money on the lien because it was absorbed with the loan modification, but everyone wants to point fingers and tell me I need to contact this company or that company. I just want XXXX to do the right things and remove the lien. I tried to contact XXXX XXXX XXXX but basically the program is no more ( its now HOPE or HARP I believe ) so they also said they could not help me to sort it out. I just need someone to please help me with this issue.
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| 02/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Stearns Lending assumed my home mortgage from XXXX in XXXX 2013. We added Stearns to our condo insurance policy as an additional insured at that time. Subsequently Stearns notified us that we did not have coverage and would provide hazard insurance for our property. We replied to their correspondence with proof of insurance coverage and Stearns replied that their hazard insurance had been canceled but that due to a lapse in our coverage we were charged {$34.00} and an impound account was initiated. We have never had a lapse in coverage on our property. There has been a continuous policy in place first with XXXX and then with XXXX XXXX. There has been no lapse.
We have continued paying our mortgage on time with full principle and interest payments. We do not believe we should be charged for the {$34.00} premium or the escrow account. Stearns has now charged us late fees and submits us to a barrage of harassing " collections '' calls. I have invested much time and aggravation in attempting to clear up this matter dealing with a very difficult customer service organization at Stearns. I would like this matter resolved and my account statements corrected. Recently Stearns mailed me a check for {$150.00} with no explanation. Since I am clear that I have made the appropriate payments I will not cash this check, but do expect Stearns to correct my account statements to remove all charges for insurance and escrow withholds, which I neither need nor want.
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| 06/03/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XXXX made 2 payments to my insurance company, one for {$610.00} and another for {$620.00} the second payment was without my knowledge. XXXX should have sent a second check for {$6.00} to make up the short amount. As a result of the second payment being made my mortgage payment increased. I have my payment set up on an automatic bill payment, and did not realize their mistake until I received a threatening letter that Loancare ( Sterns lending ) was going to start a foreclosure process. I call immediately and made additional payments to cover the increase escrow amount about {$120.00} and changed my future bill payment for the updated amount. I explained to the XXXX rep that I will not pay late fees for their mistake. The rep explained that I had to send my request in writing, which I did through email with no response. I 've I send another email that eventually I got a response that made absolutely no sense. I 've attempted to contact XXXX again multiple times by they do not have competent nor empowered representative to actually fix an issue. XXXX has charged me a late fee of about {$86.00} and have now charged another late due to the first disputed late fee not being paid of about another {$86.00}. Either XXXX is to incompetent to run an actual financial service company or the are deliberately corrupt, either way I 'm not having any success in getting them to correct my account and stop applying late fees and need help.
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| 01/26/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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We received a 100 % property tax exemption in XX/XX/XXXX due to a 100 % XXXX. Our state sent a copy of the XXXX balance/exemption to our mortgage lender. We sent a copy to our mortgage lender beginning XX/XX/XXXX as they still showed an upcoming disbursement for taxes. The normal distribution schedule is in XXXX and XX/XX/XXXX. We received no feedback. We called on XX/XX/XXXX and were told to send the documents again. We sent them and were advised that the company would verify with the state and call us back on the XX/XX/XXXX. We received no call by XXXX so we called. We were advised that our request would be completed by the XX/XX/XXXX. We asked to speak with the tax department and were advised they do n't interact with customers. We asked to speak with a supervisor and was informed one would call within 24 hours ( I am still waiting ). We called back on the XX/XX/XXXX and were told no changes and to call again the next day. We called on the XX/XX/XXXX, no changes but were told again they need to contact the state. I again requested a supervisor and was told one would call back in 24 hours ( although you could hear the supervisor coaching the representative response ). This is a common mismanaging of our escrow funds as we are always in arrears because they did not accurately record tax and insurance bills. We have 5 days until this company is scheduled to disburse money we do not owe and that the state will not refund.
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| 10/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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My closing cost change many times, I had 3 estimate costing close and one closing disclosure cost, in my first estimate I had to pay XXXX, than less than a week send another estimate for XXXX, than for a XXXX, now in the closing disclosure is XXXX. Also the lender have change the day for closing several time, first was XXXX XXXX, than XXXX XXXX and a possible closing for XXXX XXXX, and now is on XXXX XXXX, they did n't notify me when they chance the one that was on XXXX XXXX, even right now I do n't know the hour of the closing for XXXX XXXX, I had contact the lender and let them know that I need the closing on XXXX or XXXX, becuase I have until XXXX XXXX at XXXX to turn in the apartment or I have to pay a full month. Also I had contact the lender about the closing cost, and they do n't give a clear numbers, they said that was a mistake that it will be correct on the closing day. Also need to close before XXXX XXXX because I do n't work in the weekend so I can move my belongs, Just need to rent a truck and a few movers. but if is on XXXX XXXX than I need to hire movers and the truck and have more cost to me. Also my kids will lose class day because I need the evidence that I buy the house to enroll them to the new school.
In resume this situation have cost me more money, they change the closing cost and not even be responsible with the day of the closing and move it at they conveniens and not my as a client.
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| 03/24/2020 |
No |
- Mortgage
- Other type of mortgage
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Web |
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I have been working with a XXXX XXXX a loan originator, they had secured a 30 Year Interest only loan for my home. I was refinancing a 1st and HELOC into one loan. Stearns accepted my mortgage application however, they decided not to honor the loan stating COVID-19 as a reason. I have been with XXXX as the go between, I was advised on several occasions the loan was set for closing, the last date for closing was set for XXXX XXXX that got postponed due to additional documentation requested, the documentation was provided and I had been waiting for another closing date. As of XXXX XXXX I was told by XXXX that Stearns was no longer returning their phone calls. It has been 3 months gathering documentation anticipating closing. If they did not want the loan they should have stated so and I could have sought a loan with another lender. This has been a long and tedious process. I would like for Stearns to honor their offer and close my loan. This loan would allow me to save quit a bit monthly which I was going to use the savings to support my daughter 's college education. This loan would have also increased my ability to secure other financing as a XXXX XXXX owner. My business supports the community, that's what banks are supposed to do give back to community, support business and individual. My loan was in the pipeline to close they should not have reneged on their commitment. Thank you
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| 04/15/2015 |
No |
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- Loan servicing, payments, escrow account
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Web |
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I have a mortgage that is currently being services by Sterns Lending/Loan Care. I went on line on XXXX/XXXX/2015 to make my mortgage payment only to find out that my payment had increased by almost {$400.00}. I called Sterns and was told that my mortgage insurance was doubled on my FHA loan in error after an account analysis had been done. They advised that they would do another account analysis that would take two weeks and fix the issue. I was told I would n't be charged late fees because of their error. I checked every day up until XXXX to see when my payment was corrected. On XXXX when I checked my payment was changed but still much higher than the mortgage payment that I qualified for and had been paying. They said the notes in the system were due to a shortage in my escrow account. I was issued a REFUND on my escrow overage less than two months prior to this happening ... .now I have a shortage? I asked why I as given a refund and now they are increasing my payment beyond what I qualified for or wanted. After being on hold for 30 minutes I was told by the representative that neither her or the manager could figure out why my payment had increased and that I needed to just make my payment. I went online to make my payment so that my credit would n't be adversely affected and I was charged the late fee that I was told would be waived due to their error.
|
| 03/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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I have a mortgage with XXXX. On XXXX/XXXX/2015 I requested a pay-off quote for the following day along with wire instructions. I attempted to make the pay-off request over the phone but was informed that it needs to be made by email. The XXXX customer service representative agreed to email me wire instructions ( which arrived the following day, XXXX/XXXX/15 ). Still on XXXX/XXXX/15 I then proceeded to email the pay-off request to the pertinent email address with a pay-off request ( good through ) date of XXXX.
It is now Friday, XXXX/XXXX/15, XXXX XXXX and I still have not received any pay off information from XXXX. To avoid accruing interest charges ( esp. over the weekend ) I wired pay off funds to XXXX at around XXXX XXXX today. I used the amount of {$81000.00} that was provided via their automated phone system ( XXXX requires wires to be received no later than XXXX XXXX to be considered on-time for that day ; they also caution that the phone system quote may not be used for the actual pay-off ).
I have had liquid funds waiting for this pay-off since XXXX/XXXX/15. During this excessive waiting period those funds do not earn any interest for me while I am still paying interest charges on my mortgage. I paid off mortgages before ( most recently with XXXX Bank ) and it is usually a same day process from receiving the pay off amount to wiring funds.
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| 10/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I have previously submitted a complaint about Stearns taking principal payments, and applying them to monthly payments ( interest, escrow ). When I have asked to have them reversed ( i.e. have the money put directly to principal as I had originally instructed ), I then got a letter saying I was delinquent in payments ( as my autodraft payment was pushed back when they got my check for extra principal ). I got a response from Stearns via CFPB saying that everything was fine, I was not delinquent and I had not been reported to a credit agency. I sent another check to go to principal in XXXX, and the same thing happened- it was partially applied to a monthly payment. I called to ask them to apply it all to principal. I had to speak to a supervisor to assure that my autodraft was not messed up and that I would not again be accused of being delinquent. When I said this has happened multiple times and how do I assure payments go only to principal, I was told their payment address is a " lock box '' and it is automated, and it does n't matter what you write on it, that it is going to take it as a payment. I was given an alternate address to send principal only payments to. My question is why is this not stated in their payment instructions? Why was I not told this during my numerous conversations with Stearns before?
|
| 12/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I switched Home Insurance Companies at the renewal period last month going from a XXXX annual amount to XXXX and Stearns sent out the payment. I got my annual Escrow Statement and for some reason it's stating that my Escrow account is short/negative for next years payments. I look at the details and it shows the XXXX deduction twice giving me a negative balance. Then they adjusted my payments for next year from XXXX to XXXX to compensate for the shortage. I called yesterday XXXX and spoke to a rep who I had to explain numerous times how to calculate that the math is not adding up. She advised me that the payment was sent twice but only deducted from my escrow balance once. This is not true and you can clearly see that statement is not accurate on the document provided. After putting me on hold several times and an hour later, she advised me that my balance had been recalculated and that it is currently at positive XXXX which is an accurate calculation based on my math. However, my payments are still to be XXXX for next year... this would cause me to pay a large amount back into escrow causing for a large known overage to be reimbursed next year. This is not okay and since they have adjusted the escrow balance the payment should not still be reflecting the previously advised amount based on escrow shortage.
|
| 02/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.
|
| 02/17/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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|
I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report.
|
| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
My mortgage was transferred Stearns Lending in XX/XX/XXXX. My Home Insurance carrier told me in XX/XX/XXXX that my insurance will be cancelled if my yearly premium is not paid. I immediately informed Stearns and the rep. told me to not worry about it that payment was already mailed. A {$550.00} check was sent to XXXX XXXX in XX/XX/XXXX. The check was returned back on XX/XX/XXXX bc of wrong information was provided. My policy was canceled. Stearns never followed up and, in XX/XX/XXXX, I discovered that I had no Home Insurance policy. I contacted my Broker who explained that I needed a new Home Owner policy because the previous one could not be reinstated. Now the yearly premium increase is {$600.00} instead of {$550.00}. Stearns explained in XXXX that they will pay the {$46.00} difference to my escrow account bc it was their mistake for not following up.
In XX/XX/XXXX, my mortgage was transferred to XXXX.
Stearns refuses to pay the {$46.00} despites several phone calls and full explanation. Rep. usually put my call on hold until I hang up after 30 minutes waiting ) ; one told me Stearns will never pay anything. Now, I will have to pay an additional $ 46 yearly premium until the end of the mortgage life ( 30 y ) bc of Stearns 's mistakes, breach of duty, and obvious bad faith.
|
| 10/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I received a call from my insurance company on XX/XX/XXXX stating that they did not receive payment from the XXXX XXXX ( Stearns Loancare ) and my insurance was canceled.
My funds ARE in Escrow and the XXXX has all my insurance information including policy number and payment due date. ( as seen on my account when I sign in ).
My insurance company called and was told by multiple people that my loan was in the process of being sold and they are refusing to pay the insurance premium at this time.
It took me several calls ( I was transferred to a supervisor who never picked up, told they didnt have my insurance info-which they did, and promised to call me back on XX/XX/XXXX which never happened ).
The last rep I spoke with, XXXX, stated my loan was NOT being sold and that this was an error on XXXX side. She conferences in another rep in the insurance department who stated this will take at least 5 days to request payment and IF approved another 2 days to cut the check and then mail. I was looking at a minimum of 2 weeks with no insurance.
I ended up having to pay out of pocket for 3 months of insurance so I would be covered.
This is illegal for them to hold my money and cause the stress and financial hardship of having to come up with extra funds when they have my money!!!
|
| 01/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I took a mortgage with Sterns Lending in XX/XX/XXXX for a condo in Florida. At the time of closing the state official who processed the closing documents notified me that my mortgage seems to have been sold already. The person at Sterns that I dealt with denied it. The next month I received a notice that XXXX XXXX was collecting my mortgage payment and I was given address to send payments. Since then I have been given a new address to send payments with no explanation. Upon calling XXXX to find out what was happening with my mortgage and to ask them if they owned or were selling my mortgage they told me my mortgage wasn't ever owned by them that they were only a collection agency. They told me my mortgage was owned by a company called XXXX XXXX XXXX - a name I have never heard of before. I have no information from or about XXXX XXXX XXXX and no way to contact them. It is now mid XX/XX/XXXX and I have no idea who I have a mortgage with or who to pay. I have two different XXXX locations telling me to pay them. According to my research I should be notified if my mortgage is sold. Further, looking on line I see that Sterns ( original mortgage agent ) is in bankruptcy, but when I call the agent there he claims nothing is wrong and the he still has control of the mortgage.
|
| 11/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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We bought our home in XXXX, 2014. We made timely payments and XXXX of us lost our jobs so we contacted our mortgage company to set up bi-weekly mortgage payments, which was fine as long as the full payment was made by the due date each month. Needless to say, come a few months later, their mitigation department started sending back our mortgage payments stating that our due date was the XXXX, which it was the XXXX, and we never went that further than the XXXX of each month. We needed a loan modification for bi-weekly payments, when in fact, in our mortgage documents at the closing table, we signed up for it in the very beginning, we just decided to make the full monthly payments at the time. No one tried to contact us, mail us any form of loss mitigation form, new FHA streamline refinance options like other mortgage companies were doing. We never heard a word, until a law firm tried to foreclose on our home. We had to take a huge loan out on our XXXX just to keep our home! The law firm told us to contact the mortgage company, mortgage company hung up on us repeatedly. Cussed us out then hang up. It was a constant headache and circle. We do not want this to happen again. Now we ca n't refinance due to this company for months and are afraid this will happen again!
|
| 10/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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I refinanced my home in XX/XX/XXXX with XXXX. The loan was immediately sold to Stearns Lending. I received a refund of {$680.00} from XXXX which I wanted applied to principal only. Since the loan was sold already, I wrote a check to XXXX and mailed it to them indicating principal only. I received notice from XXXX that they received the check on XX/XX/2016. My first payment is not due until XX/XX/2016, however, XXXX applied my payment as follows : Due Date Applied Date Description Principal Interest XX/XX/2016 XX/XX/2016 PrincipalCurtailment {$9.00} XX/XX/2016 XX/XX/2016 ModifiedCouponPayment {$230.00} {$430.00} XX/XX/2016 XX/XX/2016 OriginalLoanSetUpDate $ XXXX My loan account was not finished being set up until XX/XX/2016. Each email ticket took about a week to receive a reply.
On XX/XX/2016, I called and finally reached a representative. She told me it takes about a week to make the change on the payment. They will not apply it retroactively to the date they received the monies. Also, it is now XX/XX/2016 and the account is still not fixed, as shown in the table entry above. They are saying my next payment due is XX/XX/2016. I question that they are still not applying my payment properly and holding my monies as early payment rather than a principal payment.
|
| 06/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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My payments with Stearns were {$960.00} to start in XXXX XXXX. This was to include my escrow for HOI and taxes along with my PMI. XX/XX/XXXX they started taking out {$14.00} for my PMI. I never disputed because I did n't know there was an issue. In XX/XX/XXXX they did an escrow account analysis and then sent me a disclosure that my payments were going to be $ XXXX They erroneously took the entire deficient and put my escrow account in the RED by thousands of dollars. Stearns not deducting the correct amount for my PMI actual put me into a financial hardship. I have made numerous phone calls trying to get the break down for the escrow account and to also to try and figure out where the disconnect was in the amount increase. After 86 hours of making telephone calls and getting the run around I gave up trying. I hope since now I see that I am not the only person with the same complaint something can be done. I had to bring over {$4000.00} to the closing table to get a refinance because of their negligence. They also said to me that if I were smart I should have picked up on the incorrect payments, with that being said you have to be of a certain caliber to own a home. This is a total disgrace to the mortgage industry and the scams that occur every day.
|
| 06/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Stearns lending customer support phone number XXXX has been unreachable for at least five business hours on XX/XX/XXXX from XXXX-XXXX ET. Additionally, their XXXX login for my account mysteriously stopped working on XX/XX/XXXX with no ability to reset the password online without contacting customer support - again which is down. Stearns lending failed to implement escrow payments for my taxes and insurance as previously set up on my mortgage when it was transferred to them in XX/XX/XXXX. This caused late tax payments in XX/XX/XXXX which I had to pay out of pocket. The escrow setup for my taxes and insurance was attempted to be resolved in ticket XXXX on XX/XX/XXXX. After receiving no response I emailed them again on XX/XX/XXXX. I ultimately had to contact them via phone to resolve the situation - which they still proceeded to fail set up escrow for my insurance. Unfortunately they still have not correctly set up my insurance payments and it has lapsed. Due to these multiple inabilities to provide basic loan servicing I am registering a formal complaint due to time spent and financial burden I am incurring due to their failures. I currently have a new ticket XXXX regarding requesting again the escrow setup for my insurance.
|
| 03/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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After contacing Stearns Lending Consumer Solutions Department through stearns.myloancare.com and by phone at XXXX 7 times to get them to pay my XXXX property, MUD, and school taxes they have failed to do so and my taxes are now 2 months late. I have called them 7 times since XX/XX/XXXX, it is now XX/XX/XXXX and each time they have told me my taxes would be paid. Each time I have asked for documentation to show that the taxes will be paid and each time they have been unable to do so. I have been told I would be called back twice, both times they did not call me back. I have made every effort possible to make sure my taxes would be paid and they have failed to do so. A professional mortgage servicer should at very least be able to provide documentation that they will pay my taxes on time. The whole point of setting up escrow is to make sure they handle paying my taxes which it has clearly failed to do, they can not even provide a date that I can expect the payment, I simply have to wait until they go late another month before I will know. This is an extremely unprofessional process which has provided no documentation or records, and has cause late payments and undue stress.
|
| 12/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
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I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history.
2 ) I request a review from XXXX XXXX and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly.
XXXX XXXX XXXX
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| 07/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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Our new mortgage loan on our new house was transferred to Stearns for servicing right after closing. We closely watched all correspondence to ensure that we sent the first mortgage payment to the correct address, as we have been homeowners for 15 years and have never been late or missed a payment. We sent in our first payment and soon after received a call from Stearns stating our payment had not been received. The payment was not late at the time, it was a courtesy call, and as such we made a payment over the phone with the representative. We were advised to cancel the other check payment through our bank, which we did. Stearns then charged us a {$40.00} " NSF '' fee for the check that was cancelled. We called to complain to Stearns about this and the representative stated that they would waive the fee as a new customer courtesy. We just received our next month statement, and the " NSF '' fee is still on our statement. It is listed as having been paid, but is should have been credited on our statement. We feel the payment address error is owned by the new servicer, and we feel that they should honor their verbal agreement to refund the fee as a courtesy to us.
|
| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi - I have a mortgage loan ( for $ XXXX ) with Stearns Lending which I was making payment on time via auto pay.
Got a " loan transfer '' notice from XXXX XXXX stating that the loan has been transferred to them by Stearns Lending as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX.
However, I did not receive a 'payoff ' or 'loan transfer ' statement from Stearns Lending and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX.
I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and Stearns is saying they did not transfer the loan and XXXX is saying they have my loan now and I owe payment to both the banks.
So right now, this loan is claimed by two banks ( Stearns and XXXX ) demanding me to make two mortgage payments on 1 loan.
Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX.
Best, XXXX.
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| 02/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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When our mortgage was refinanced in XX/XX/XXXX it was shortly thereafter reassigned to Stearns Lending. all escrow accounts were in order and in good standing. Somehow when it came time to pay the county tax something went wrong without our knowledge. Fast forward to XX/XX/XXXX the mortgage was again transferred this time to XXXX XXXX. They found the discrepancy and tried to get Stearns to correct it. They never received any kind of response to so the bill was forwarded to us. We are now paying an extra {$180.00} a month on our mortgage to cover the cost of the back taxes. We contacted the escrow company whom we closed with to find out what happened. They discovered that Stearns paid the taxes on the wrong property. All this information was forwarded to Stearns this was XX/XX/XXXX. I never heard back. We contacted them again XX/XX/XXXX, they said it would take 30 days to correct. Still, to this day it is not corrected we are still paying for their error and have not heard back. I contacted them again two weeks ago with the promise to have it looked into again but still nothing. The extra cost is becoming a hardship for our family.
|
| 11/03/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
COMPLAINT # I 'VE ALREADY MADE TWO PAYMENTS FOR OUR MORTGAGE..XX/XX/XXXX ANDXX/XX/XXXXIN THE AMOUNT OF " {$1800.00} INCLUDING ESCROW ''. MY " TAX-EXEMPTION '' IS NOT BEEN DEDUCTED EVER SINCE. I AM HOPING STEARNS LENDING WILL REIMBURSE MY MONEY FROM THE TWO MONTHS OR WHATEVER LENGTH OF TIME THEY TRY TO LEAD ME ON WITH THEIR UNRIGHTEOUS DOMINION, VS. UNSCRUPULOUS CONDUCT.
I RECEIVED A RESPONSE FROM THEM ONXX/XX/XXXX. A COMPLAINT CASE #XX/XX/XXXX STATING IN RESPONSE TO ( CFPB ) : THERE ADDRESS : STERNS LENDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I AM STILL WAITING FOR WHATEVER IS TAKING THEM SO LONG. I DISCLOSED MY TAX-EXEMPTION TO THEM DURING THE PROCESS OF PURCHASING OUR HOME IN XX/XX/XXXX, AND AGAIN IN XX/XX/XXXX TAX-EXEMPTION # XXXX XXXX AND PARCEL # XXXX. HAS BEEN PROVIDED TO THEM AHEAD TIME. SINCERELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( WIFE. XXXX XXXX VETERAN, XXXX XXXX XXXX ... I AM ALSO : XXXX XXXX XXXX XXXX VETERAN '' ACCORDING TO MY MEDICAL RECORDS WITH THE VA REGIONAL OFFICES STATES WHERE I LIVED PREVIOUSLY .... ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX., AND NOW ; XXXX XXXX XXXX
|
| 07/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinance with Vantage West Credit Union in XXXX AZ, and the Closing Date that I signed was XX/XX/2019, the last company that I was with was Stearns Lending. Stearns Lending transferred my loan to XXXX XXXX XXXX on XX/XX/2019, while on the XX/XX/2019 Stearns Lending received a wire transfer to pay off the loan from XXXX XXXX XXXX in the amount of {$230000.00}. XXXX XXXX XXXX have a confirmation of wire transfer and was cleared by their bank.
Today XX/XX/2019, I got a email from a company called XXXX which is affiliated with XXXX XXXX XXXX saying that I have a payment due, XX/XX/2019, that is when I realized they transferred the loan.
Today XX/XX/2019, I called XXXX and they said they have my loan, then called XXXX XXXX and they said that they had my loan as well but are not affiliated with NewRez or Shellpoint Mortgage Servicing. Then I called XXXX XXXX XXXX and then we called Stearns Lending. Stearns lending said that they can not find the payoff for my loan and that they transferred it to XXXX XXXX XXXX on XX/XX/2019. We spoke to XXXX XXXX XXXX. XXXX from Stearns Lending and gave us a referance No XXXX, for this issue.
|
| 05/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I made extra payments of {$1300.00} ( towards principal ) in XXXX, XXXX, and XXXX. I noticed on XXXX XXXX, 2016 the extra payment in XXXX was never applied, so I called the mortgage company ( Stearns Lending ) to apply the payment. On that date my principal balance was {$160000.00}, which should have been {$1300.00} less from the payment they did n't apply in XXXX. They told me this would be resolved by XXXX XXXX, which it was not. Today, the mortgage company tells me the job is closed and I now have a principal balance that is higher than my principal balance on XXXX XXXX, 2016. My payment history report is so full of red from all the reversals that I do n't understand the report. The financial advisor was unable to explain to me as well what they did without another full detailed research. I 'm minus {$1300.00} ( possibly {$2600.00} after an attempt to read through the payment history report. 4 - {$1300.00} in black and 3 - {$1300.00} in red, which leaves me to believe that out of the 3 extra {$1300.00} only one has been applied since all the reversals ). The mortgage company considers this matter resolved and I do not.
|
| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Stearns Lending, located at XXXX XXXX XXXX XXXX XXXX, VA XXXX is a low budget, poorly managed company. I own many homes across the US and this is by far the worst company to conduct business with. The mortgage insurance depart failed to complete a simple mortgage e-bill with XXXX back in XX/XX/XXXX. As a result, the policy was cancelled and not caught by Stearn 's mortgage team until XX/XX/XXXX. Stearn 's sent 1 notification letter stating a cost 2X the market would be placed on my home for lapse in coverage retro dated to XX/XX/XXXX. I was informed that if I did not respond by mid XX/XX/XXXX, the policy was continue for the upcoming year. I was shocked and appalled by the lack of professionalism in the process as I spent >8 hours on the phone unpeeling the history and cause of this error. The results left me with on out of pocket lost of over {$1000.00} and continued frustrations. The error was not mine but I am paying an unreasonable rate for the gap in time that already passed. Stearn 's predatory practices allow them to pray on consumers trust and strip profit from both their mortgage and insurance departments.
|
| 09/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted.
|
| 07/06/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Using FHA to purchase a home. Lender erroneously included seller credit as part of down payment, so when it was going to be funded lender called me saying they needed more money. At this point I had wired downpayment they told me to send to title and signed title docs. Lender told me they had made a mistake and apologized, which is fine, I would send more money. Lender assured me that the seller credit would be going towards up front PMI and the additional money would go towards lowering the loan amount. Neither of these happened. When I get the final documents from the title company most of the seller credit is gone, only about XXXX dollars of the approximately XXXX that was included in the title documents I signed. Spoke with lender, they apologize and admit they messed up, but do n't really offer any recourse besides them saying sorry. To me they lied to me, promised me things that did not happen, and out of pure negligence or laziness did not put effort into informing me of what was happening or even letting me know. It is very difficult to get them to call me back or even send documentation.
|
| 09/30/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage is currently with Stearns Lending. Over a month ago we sent them a check for {$25000.00} ( insurance claim check that must be cosigned by them to repair hail damage to our home ) and submitted all of the required paperwork to include a signed contract with a local painter to begin our repairs. XXXX is fast approaching in Colorado making outdoor labor very difficult and yet still no check from them???? It appears they have a sub-contractor that handles insurance claims in the name of XXXX in XXXX S.C. Our money is NOT in our regular escrow account so we suspect that all of the " stall and delay '' actions taken by XXXX are intentional and they are profiting off OUR insurance money?? Pretty sure what they are doing is illegal on several fronts but I should leave that up to you to decide. Regardless we need our insurance money so that we can pay for the repairs to our home. Every time we call there is a new reason ( not on the checklist ) for our money not being sent??? I XXXX this company and it appears that I am not the first person to be jerked around continually by these criminals.
|
| 03/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I informed ( via phone ) Stearns Lending Co. that they had incorrectly recorded my mortgage insurance premiums on my XXXX on XXXX/XXXX/2016. I was told to send an email to XXXXXXXXXXXX. I did so on XXXX/XXXX/2016 and received an acknowledgment that my email was received and that my issue was being managed. As of XXXX/XXXX/2016, the form still was not corrected, so I emailed again. As of XXXX/XXXX/2016, the form was still not corrected, so I called and the agent told me a supervisor would call me in 48 hours. I emailed again that day, as well. I never heard from a supervisor at Stearns. As of XXXX/XXXX/2016, I sent multiple emails and called. I was transferred to a supervisor 's voicemail who never returned my phone call. As of today XXXX/XXXX/2016, the form is still not corrected. I have emailed yesterday and today. I do n't know what to do at this point since no one from Stearns will correct the form, even though the representatives that I have spoken to on the phone have acknowledged that the form is wrong per their records ( but it 's another department that corrects XXXX forms ).
|
| 05/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX applied for a refinance of her mortgage on the property located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX will be XXXX years old on XXXX XXXX, XXXX and has a credit score of XXXX and received an approval notice of her loan from Stearns Lending LLC Loan # : XXXX with an expiration date of XXXX XXXX, XXXX. Although XXXX XXXX fulfilled ALL conditions of the loan approval, Stearns Lending LLC reversed their approval because XXXX told them that the loan did not confirm to their standards. We obtained prior approval from Sterns to exclude the HOA fees from the loan qualifications and that was not a condition of the loan approval. XXXX XXXX ( XXXX daughter ) provided proof that she paid all condo fees for the unit from the date of purchase in XXXX XXXX to present and provided bank statements and canceled checks proving this issue as well as an affidavit from the Condo association. Sterns has committed a violation of their approval and has engaged in age discrimination by refusing to honor their approval of the loan to a valid applicant because she is XXXX years old.
|
| 04/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage was held by Stearns Lending in my wife 's name only. ( Both our names were on the house title. ) My wife passed away in XX/XX/XXXX and Stearns was notified. The mortgagor 's name was changed to " The Estate of ... ''. I continued making the mortgage payments under this arrangement until XX/XX/XXXX when I bought the loan from Stearns. Stearns sent a check to The Estate of in the amount of {$1000.00} which I believe was a refund of funds impounded for property taxes. I spoke with a Stearns representative on XX/XX/XXXX and asked that the check be reissued in my name. The rep was to send an email to their Escrow Department. A month passed and there was no communication from Stearns. I called again on XX/XX/XXXX and spoke to another representative. She acknowledged my previous call about this issue. After she consulted with a supervisor, I was told that the check could not be reissued in my name since I was not the mortgagor. She said that the loan was not assumable, which is true. I asked what would happen to the money I paid for property taxes and she did not know.
|
| 12/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We refinanced our mortgage on XX/XX/19 with XXXX XXXX XXXX and our loan was immediately purchased by Stearns Lending LLC. We received our first statement on XXXX with a due date of our payment on XX/XX/19. Our Payment was for the the amount of {$6700.00}. This amount was for XXXX toward principal and rest should of have been posted towards escrow and interest. On XX/XX/19, we received notice that our loan had been sold again to XXXX. When receiving notice from XXXX the account balance did not include the payment that was made on XX/XX/19. After making several calls to Stearns we were told once that the money would be sent back to us, another time that the forwarded onto XXXX, a third call which said we need to be patient and need to check back, and finally the last call stated that they sent the money and to call XXXX. When we made numerous calls to XXXX they have not received our funds nor have any record that the payment was made with Stearns. Both companies say they don't have the funds nor can locate our funds that were withdrawn from our bank account.
|
| 12/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have loan from Sterns Lending and it started XX/XX/XXXX. I request them to cancel my PMI on XX/XX/XXXX since My LTV is XXXX %. I did not received any notification except that my case has been received and they will get back to me in 5 business days. after that no response. When I called the customer care then they said they are still working my case and they will let me know the decision by XX/XX/XXXX since it is very lengthy process then I asked then if they should be refunding my PMI money which by that time I have make two payments then She said I have to keep paying my PMI and it will not be refunded. I felt betryaed by them since in The email they said 5 business day for response and there is no information that this process will take 2 months of time. during the loan process I was told that I can cancel my mortgage when my LTV reaches XXXX %. But Now I have to pay extra 2 month of PMI because of their long time response. I am not even sure they will cancel my PMI. Probably they may ask for appraisal which would cost me more than paying the PMI.
|
| 05/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We closed on our new home at the end of XXXX 2014. Our title company held money from us at closing to pay for 2014 taxes. When the tax bill came in the mail the title company paid the taxes and refunded back to us the extra money they had collected to pay 2014 taxes. We then noticed in a mortgage statement that our lender claimed to have paid the 2014 taxes. We called our title company and they told us no, the title company had paid the taxes and the title company sent us proof of payment and a refund of the overage they had collected at closing to pay taxes. I have repeatedly reached out to our lender to get this corrected and to no avail it still has not been corrected. I want this corrected and the money put back into our escrow that should have been in there the past 6XXXX months, and ensure we have not been paying interest on an " advance in escrow, '' payment that it states when we log into our account online. Would like this corrected immediately, been trying for over 6 months to get this corrected, been more than patient with this.
|
| 07/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.
|
| 11/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I called my previous mortgage lender Stearns Lending on XXXX XXXX, 2015 only to state that I had my loan tranferred to XXXX. I did not and have not received any information regarding the mortgage loan transfer until I contacted Stearns Lending on the above mentioned date. Reason I am filing a complaint is I currently am going through a valid hardship ( i.e. lost my employment ) and have sent off the hardship letter package on XXXX XXXX, 2015 to Stearns. I am attempting to determine what are my next steps and I have been on the phone with both Stearns and XXXX for over an hour today and have gotten no information as I have retained copies of my hardship package as directed by Stearns Lending to attempt to provide this information to XXXX to no avail. I want to file a complaint against Stearns Lending for not providing me a 15 day notice that my loan was being transferred as I have not received any educated information on what steps I can do to make an educated decision on what to do next without losing my home.
|
| 05/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My Stearns loan is being serviced by XXXX. I never had an escrow agreement for XXXX to pay my insurance or property taxes. But they started paying my taxes, unknown to me. I was also paying my taxes. I paid all my monthly mortgage payments on time, but they kept part of it and so did not apply it to my loan. When I called in they would say they did not have proof of insurance so XXXX times I faxed it in, and customer service would say they would correct it. This never happened and so the loan kept showing in arrrears. Even though I have never missed a payment, my due date remained unchanged at XXXX XXXX, 2014. It was placed in default and I eventually had to pay what they said was the balance due to clear it. As a result, my credit was damaged as it kept showing late payments and default. The loan is now current but there is still the erroneous late reportings. I have never missed a payment, but XXXX has grossly mismanaged this account and caused the missed payment reportings to the bureaus.
|
| 04/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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StearnsXXXX acquired my mortgage 2 weeks ago, after it was sold twice from a re-finance 2 months ago. Last week I received both the package about this acquisition AND a dunning phone call that my payment was late!! How can any payment be late when only 4 days elapsed on receipt of information on a newly-acquired account? To worsen this situation, I followed the provided instructions to set-up my new account to make online payments BUT the needed field to click and complete this does n't appear anywhere on the web site. Soooo - I 'm unable to make a fast and timely online payment because the company 's web site lacks the fields to do this yet I 'll continue to receive dunning calls that my XXXX payment is late even though this company acquired my mortgage only 2 weeks ago. I ca n't go into their office since it 's several hundred miles away so paying in person is not an option. Is n't this harassment? Is n't this unethical? Is n't this an unfair business practice?
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| 03/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I closed on XX/XX/2019.
1. Stearns/XXXX have determined that I have overpaid {$310.00}. They sent me a letter saying a check for {$310.00} was attached to the same letter, but I did not find a check in that envelop.
2. Closing costs include payoff of 3 credit cards -- XXXX {$400.00}, XXXX XXXX XXXX {$32.00}, XXXX XXXX {$100.00}. As of today, the title company has neither paid these credit cards out of escrow, nor did I receive a check for the sum of these three amounts. The title company is in the same city as my mailing address.
I contacted Stearns, XXXX, title company. No response from Stearns, XXXX. Title company initially told me to wait, and then stopped replying to my email.
-- I am attaching two documents.
Document 1 - shows a credit to me in the amount of {$310.00} but I still do not have this.
Document 2 - on page 2 of the PDF, there are three lines listing the credit card payments that I have already deposited into escrow.
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| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Stearns Lending, LLC, is charging us late fees for a payment which was cashed by them 12 days before it was due. Our payment was due XXXX XXXX, 2016 ; we mailed in a check at the end of XXXX and it was cashed by them on XXXX XXXX, 2016. They did not credit the payment until XXXX XXXX, 2016, 22 days after receipt. Stearns Lending then sent us delinquency notices.
On Monday, XXXX XXXX, 2016, we contacted their customer service department and forwarded a copy of the cashed check to the email address they indicated. Their automated email response indicates they will get back to us within two business days. I called Wednesday, XXXX XXXX, and the phone call with the representative was cut off. I called again this morning, XXXX XXXX, and was informed that the late charges can not be removed from the account until it is reviewed by a supervisor, and this is scheduled to occur next Thursday. This is for the second payment on a 30 year mortgage.
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| 06/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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Bought home on XX/XX/2019 from XXXX XXXX. Stearns Lending, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX XXXX, Az a copy of home title saying also that it was our home paid in full. Evidently, Stearns Lending sold our loan to XXXX XXXX who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both Stearns and XXXX XXXX many times and still getting nowhere. XXXX XXXX has put our so called loan on our credit report. Filed with XXXX to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the Stearns and XXXX XXXX, who Stearns told us XXXX XXXX would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.
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| 02/20/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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MY VA HOME-LOAN WITH XXXX VS XXXX XXXX XXXX : REFUSED TO FOLLOW VA LOAN PROCEDURES AS FAR AS : NO CLOSING COST, TAX-EXEMPTION SINCE, I AM XXXX XXXX XXXX VETERAN. PLUS ITS A SINGLE STORY HOME, NOT A TWO STORY HOME. AMONG OTHER UNSCRUPULOUS CONDUCT DEEMED TO BE BIAS AND DISCRIMINATION AGAINST ME BEING A XXXX FROM THE " U.S.TERRITORY '' OF THE XXXX XXXX XXXX. I ADDRESSED THIS ISSUE TO THEM SEVERAL TIMES, AND THEY IGNORRED ME TOTALLY. AS WELL AS THE STATE OF NEVADA ACCORDING TO TAX STILL ADDING TO MY ESCROW STILL. DEEMED TO BE IN VIOLATION OF MY CIVIL LIBERTY RIGHTS, AND, Fundamental Right : been violated by the state of Nevada, as well as XXXX XXXX XXXX, for refusing to remove the tax exempt from my Escrow payment ever since. Due Process Clause of the Fourteenth Amendment substantive due process under ( DUE PROCESS ) : STRICT SCRUTINY. WHICH MATTER LEFT ME AND MY WIFE OUT IN THE DARKNESS AS CITIZENS OF THE UNITED STATES OF AMERICA.
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| 04/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was recently transferred to XXXX from Sterns/XXXX. My loan was paid off in full on XX/XX/19 by wire from escrow as I had sold the house. Sterns/XXXX did not apply the payoff amount the day they received it. They instead held the money and then on XX/XX/19 took another payment from my checking account. Then on XX/XX/19 they transferred servicing to XXXX WITHOUT applying the monies they had received that were sufficient to payoff the loan as of XX/XX/19. XXXX then applied the funds on XX/XX/19 and my extra payment is now some how missing as they say I am only getting {$35.00} back after applying all of the funds. First of all the loan should not have been transferred. Second this transaction vioaltes RESPA by not applying the payoff on the date it was received XX/XX/19. Third Sterns illegally kept monies for a payoff they did not process. Fourth XXXX can not apply funds received on XX/XX/19 and XX/XX/19 on XX/XX/19.
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| 10/08/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I settled on a home on XXXX XXXX, 2015 knowing that I would sell my previous home within the month. I was told I could request a " recast '' with no problems ( agreeing to a {$300.00} charge ) and have my mortgage lowered to reflect that large payment from the sale of my home. I have been trying to get this information from Stearns XXXX XXXX XXXX since XXXX XXXX, 2015. To date I have not had any response from them & every time I call I get another round of excuses & promises that are never completed. I have spoken with several different representatives and everyone gives me a different story. Three times I was told that the information was either mailed to me or emailed to me ; but, I never receive anything. An automatic answering message states that the last time my loan was analyzed was XXXX 2015. That is when I took out the loan! I have been calling @ least 7 times within the last 6 weeks and have heard nothing from them.
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| 10/31/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly.
I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me?
I have provided a PDF of all payments that have been made every 2 weeks going back to XXXX/XXXX/2014.
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| 12/12/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I 'm a US veteran and did a VA streamlined refinancing in late XXXX with Stearns Lending ( the " Company '' ) as the finance company and current holder of the note. The Company 's loan servicing provider is " XXXX '' and that entity has a current practice of charging borrowers a {$5.00} processing fee for payments made over 4 days past the payment due date. Payments made over 9 days past the due date are assessed a {$10.00} fee. Loan documents state that I have a 15 day grace period to make payment each month without any late fee assessment. These processing fees during the grace period were not disclosed at the consummation of the financing. The assessment of " processing '' fees appear to be a disingenuous attempt by both the Company and its service provider ( XXXX ) to assess a late fee just by calling them something other that late fees. I tried to resolve with XXXX with no success.
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| 01/31/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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On XXXX/XXXX/2016 I refinanced my mortgage from a 30 ryear to a 15 year, with the same lender, Stearns Lending. It was an FHA refi. They reported me as paying late as of XXXX XXXX 2016 because the title payoff they received on XXXX/XXXX/16 was a few XXXX short. they received 99 % of the payoff on XXXX. Did n't even attempt to contact the title agency until XXXX/XXXX/16 to report the fund shortage .Regardless, my payment was not over 30 days late because they received almost the entire balance of my mortgage on XXXX which was far more than my {$1300.00} mortgage payment due by the XXXX .... I have tried for a week to get a hold of them my credit has gone down XXXX points and is now affecting my ability to lease another car. I 'm at my wits end I do n't know what to do this is very very dishonest of them and no one will fix it. I have not had a late payment ever.
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| 12/04/2017 |
Yes |
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- Trouble during payment process
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Web |
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Stearns is claiming that my loan is past due by over 90 days. I have been paying it every single month. Even their own website shows that.
They will not return emails, or phone calls, or any kind of contact. They now want me to make two payments this month, but I do not have the money for that. Nor should I. I have a payment due tomorrow, and I can pay it, but I ca n't pay twice, and they are going to say my loan is still 90 days past due when its not. Just like they have for the past several months. And they charge me XXXX dollars every time, which I will not pay, because my payment is " late, '' even though I pay it on the due date every single month.
They are now saying my loan is in default. Even though I have paid it every single month and I 've sent them screenshots, bank statements, and everything proving it. They refuse to respond.
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| 09/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced on XXXX XXXX, XXXX ; title collected the first installment of the property taxes through the refinance and later I found out that my current bank at that time sent the payment for the first installment of taxes to the county as well.
I contacted the county and they provided me with a print out showing the payment Stearns Lending made for the 1st installment of taxes were refunded back to them on XXXX XXXX. I have been calling Stearns Lending since then to get this refund back and they kept telling me that they are going to send it but they just do n't. Last time I called, I spoke to a manager and he said they just needed confirmation from the payoff department and that the check was on his way. Not sure what confirmation they need since the loan was paid in full on XXXX XXXX, XXXX when the refinanced was finalized.
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| 05/28/2018 |
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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We closed on a home loan in XX/XX/2014 and the originating company either sold or transferred our loan to Stearns Lending.
We make our payment on the internet as figure we can track the receipt of the payment quicker than Snail mail.
Depending on when our retirement income is received ( Social Security ) we make our payment effective the second Wednesday of each month. Depending on the date they anywhere from {$5.00} to {$10.00} for the payment. We have never been late and are still well within our grace period.
On the annual mortgage statement these additional fees reflect Late Charge, however I checked our credit and they do not reflect as a mortgage late payment.
Is this legal since we are stilll within our 15 day grace period.
Our loan was just recently sold to XXXX mortgage and they do not have this fee thank you
|
| 04/03/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Upon purchasing my home, I set up an escrow account to handle the taxes and insurance. Based on previous tax information available to me and the Stearns Lending, I was able to tell they were not taking out enough money to cover the taxes. I phoned them about the issue and they assured me they were taking out enough but they would reassess within 90 days. At 90 days I called back still sure they were n't withdrawing enough money and was again assured they were. I specifically stated my concern that I would recieve a large bill if they did n't take out enough and they assured me they were. A few months later, after a disbursement, they even reduced the payment by a small amount. This month I received XXXX tax bill or a {$1500.00} increase on my monthly payment because for the past 15 months, they have n't taken enough out.
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| 11/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The home insurance and property taxes figured in at closing have not increased however Stearns lending is showing a shortage on the escrow account after trying to force their own Stearns XXXX XXXX policy on the account. After the account was reimbursed for the unneeded/ fraudulent home insurance policy ( a separate policy had already been paid for in full at closing XXXX, there was a sudden shortage on the escrow account. My closing documents show that {$3800.00} was the escrow property costs at closing. The Stearns website shows that the required escrow amount is {$3800.00} which is a difference of {$27.00} but my required escrow payment went up $ XXXX month. I have contacted them several times ( Ticket # XXXX & Ticket # XXXX ) but no one will return my calls/ emails.
|
| 03/14/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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My mortgage company ( Stearn Lending, LLC did not pay my XXXX property tax out of escrow. I received a past due notice from county treasurer office XXXX. I immediately called the mortgage company and the customer service rep told me they will look into it and will get back with me within 2 weeks. Since then, I have made an additional XXXX phone calls to check the status of the situation and each time, they put me on hold, so that the can look at the account and then tell me that they will investigate it and get back with me within 5 business days. I never get a call back from them. I have mailed the orginal of the tax notice and faxed the tax notice per their request. I have even gone on-line and submitted my complaint and I still havent received a reply after 2 weeks.
|
| 11/18/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I refinanced my loan which closed on XX/XX/2016. The funds were wired into Stearns bank account on that day. I have been overcharged for XXXX PMI payment for the month of XX/XX/2016 and have n't received my taxes of {$1400.00} both from my escrow account. It 's odd that in the past Stearns paid my taxes in XX/XX/XXXX and now they are saying they paid them in XXXX XXXX early?? ) XXXX XXXX records show and have told me personally that the tax payment for my XX/XX/XXXX bill was paid by XXXX The payoff amount that XXXX paid Stearns matches the payoff statement by Stearns but Stearns posted a lessor amount on my statement as well. No dates, numbers match in these documents at all. I 'm being overcharged, they are committing fraud and I would like my money.
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Stearns Lending , Inc., XXXX XXXX, CA.
This company 's satellite office in Arizona has absolutely NO sense of urgency, and total disregard for their clients ( the buyers ) and also the sellers.
Claiming to have not received or misplace information, as an excuse.
People have lives to live and also have time lines to follow, setting up places to live, movers, disconnecting utilities, packing, etc.
Underwriters, had claimed all is good, and over two weeks later still looking for paper work, still stalling!
It took a Cure Notice to finally get them to perform, someone needs to be held accountable in this office.
The purchase was almost lost, due to lack of concern for others.
Would highly recommend staying away from this company.
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| 05/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( Stearns Lending - XXXX XXXX ). Then I also received another payment notice from XXXX XXXX that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from XXXX XXXX. How did my confidential information got transferred to XXXX XXXX? When did my loan was sold?
My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
|
| 06/10/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My mortgage is with XXXX i just got it XXXX months ago and they used an assumption to set my escrow based on what they thought my property taxes would be. Well they thought they would be {$1900.00} a year roughly and they are actually {$8.00} big difference. I have emailed and called XXXX times over the last XXXX months to get a refund for overpayment and get my escrow payment adjusted as i should not have to be overpaying it and them keeping my money. I keep getting told it will be handled and no one ever handles it. i call back and they submit a new request and still nothing. I am yet to get an email or a call back or a letter about adjusting my escrow payment and getting me a refund for the over payment I have made.
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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We recently refinanced with Stearns Lending. We went paperless with the company and signed up for auto-payment on our monthly mortgage.
Today we checked if the payment went through and nothing has been deducted from our bank account. ( it should have been paid on XX/XX/2021 via autodraft ) See attached screenshot from the bottom of our XXXX statement acknowledging that an autodraft will occur.
We've tried to manually pay on their website but there is no option to pay. We've been on hold for 3 hours with no answer. The phone line does not go to a live agent. I don't see any email address, but I was able to submit a message via their website. I've also messaged their XXXX and XXXX page. No response yet.
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| 09/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Today, XX/XX/19, I received a statement from Stearns Lending. This statement said that I owe {$1800.00} because I did not pay last month ( XXXX ) ( XXXX XXXX ). However prior to this I received a statement of transfer effective XX/XX/19. So does this mean that Stearns has reported me to be 30 days late? Will they again? How is any of this possible? I am not late, not even by a day. I am paying my mortgage payments to the company that is servicing my loan. To be very very clear, I am not happy about receiving statements from Stearns after my loan had already been transferred to another company. This is against FCRA and UDAAP regulations. Is this happening on my 2nd mortgage also???
|
| 07/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
|
My mortgage company recently pulled my mortgage payment on XXXX XXXX for my XXXX payment. The company then helped themselves to another mortgage payment on XXXX XXXX without my knowledge. I called the mortgage company to see what was happening and had an unapologetic person on the phone that said they made an error and will refund the money by hopefully Monday ( XXXX XXXX ). The mortgage company successfully wiped my accounts clean and I am now borrowing money to make ends meet. I am calling my credit card companies to please not pay themselves so that I can avoid overdraft fees.
This is unacceptable for anyone to take my hard earned money and take all my money from me.
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| 01/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My LPMI was not removed by my home mortgage lender, Stearns Lending, even after I submitted a written request when my LTV was under 80 %. My LTV is now under 78 % and they still have not removed my LPMI.
On XX/XX/XXXX, I mailed a written request to Stearns Lending requesting that my LPMI be removed. My LTV for my 15 year mortgage had fallen below 80 % on XX/XX/XXXX. I also emailed Stearns Lending through their website. I received no response to any communications.
On XX/XX/XXXX, my loan fell below 78 % LTV. However, the LPMI was not removed automatically. Nor was it removed on XX/XX/XXXX.
I have not missed or been late on any payments and my account is on auto-pay.
|
| 12/28/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I borrowed money from XXXX to purchase a condominium. The loan was transferred to Stearns mortgage. The Stearns loan number is XXXX.
I recently paid off the loan, and received a recorded copy of the release of mortgage. Despite repeated requests for the return of the note, I was provided only a copy - not marked paid in full.
Stearns has refused to respond to my request for the note, or to advise me whether they have transferred, sold, or otherwise alienated the note. If they have, they should nothave accepted the payoff. I have no way of knowing if the note is presently or will be in the future in the hands of some third party. I would like your help in this matter.
|
| 04/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I had my mortgage for 3 months with Stearns lending. It was taken out automatically on the first of every month ( XXXX, XXXX, and XXXX ). I noticed on XXXX my mortgage was not auto deducted, so I went on my account to see that my loan was sold to another lender. I have received NOTHING. Assuming it was lost maybe in the US Mail, I logged back into my account to find a number to call to try and get ahold of a live person to find out who is servicing my loan and there is NO OPTION ON ANY NUMBERS to talk to a live person. There is no documentation on my account as to the transaction. Right now I have on way of knowing who has my loan and it is 5 days past the due date!
|
| 04/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I refinanced an existing mortgage with my original lender, Stearns Lending on XX/XX/XXXX. The original mortage had an escrow insurance requirement ; however, the refinanced mortgage did not. As expected, I made principal and interest payments payments for the remainder of XX/XX/XXXX on my refinanced mortgage. Beginning on XX/XX/XXXX Stearns Lending began requiring escrow insurance on my monthly statements even though I already prepaid my homeownwers insurance for XX/XX/XXXX. After months of phone calls ( 12 calls ) to Stearns Lending to correct their mistake they finally acknowledged their oversight yet they still have not corrected their monthly statements.
|
| 03/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our home went into foreclosure so we sold it and paid off the remaining balance and were issued a {$1200.00} check from what was left over in our escrow account. We deposited the check and 2 weeks later the lender issued a stop payment. We called and were told it was due to us and they would issue a new check. We never received the 2nd check. We called again and were told they would look into it and call us back, no one called. We call again and are told the check would be cut and we would receive it in a week, still no check and no call as to why. We paid our loan off in XX/XX/XXXX and it is now XX/XX/XXXX and still no check.
|
| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional XXXX points from the original XXXX that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake
|
| 06/05/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Stearns recently changed its loan servicing company in XX/XX/XXXX. I have an escrow statement from Stearns dated XX/XX/XXXX showing my actual escrow balance in the amount of {$4000.00} ( amount agrees to my personal records and supporting documents ). I made an escrow payment on XX/XX/XXXX in the amount of {$1400.00}. Another payment was made on XX/XX/XXXX in the amount of {$1400.00}. Total escrow at transfer date should have been {$6800.00}. Actual transfer to the new servicing company was {$5600.00} ( excluding interest is {$5600.00} ). Assets have been misappropriated and fiduciary responsibility breached.
|
| 07/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My VA loan is serviced by Stearns Lending. I make monthly payments through auto-draft/ACH each month. I see the payment come out of my bank account on a monthly basis, as scheduled and established through Stearns ' website. However, I occasionally get auto-dialer collection calls for past due payments. How can this be, when I have auto-draft scheduled? The payment is made on time, on the same date every month, and is automatically deducted from my bank by Stearns on a monthly basis. So, why am I getting automated collection calls and why is my loan " past due '' if the payment is pre-scheduled on auto-draft?
|
| 10/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator.
|
| 08/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Stearns and Lending refuses to apply my payment when my bank electronically sent them the money. They also refuse to return my calls, hang up on me, do n't reply to my questions via email and will not take the late charge off of my account ( even when an employee with Sterns confirmed my payment on time ) ( See notes attached ). My next payment will either be underpaid or sent back due to me not paying the late charge. My credit score is over XXXX and if it did n't cost to refinance I would. I have had several other mortgages throughout the years and have never experienced anything like this.
|
| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here.
|
| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage was sold on XX/XX/2017. I found this out when I logged in to view my tax documents. I received no notification for the company selling my loan nor the company who purchased it. I called the seller company and asked who they sold it to, They claimed it was XXXX, however the customer service number they gave me belonged to XXXX. I called both companies and neither one have my SSN on file or any information about a transferred loan. It is almost time to pay my next mortgage payment and I have no other ways to track it down. What should I do?
|
| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
|
|
Web |
|
|
I am currently in a real estate transaction for which my lender is required to verify my past two years of employment which included Stearns Lending. This request was initially submitted to Stearns Lending on X/X/18 by my current lender. Their request has been ignored and I personally have attempted to contact via telephone and email the company, however ; my calls have not been returned nor have I received an email response.
The lack of receiving the Verification of Employment is holding up the close of escrow, and thereby costing me money.
|
| 11/24/2019 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was paid off on XX/XX/2019. Nevertheless, Stearns continues to automatically withdraw the monthly payment from my account. The payment history on their website shows that they are refunding the payments to me but I have not received ANY money back. They just keep my money and their platform offers no option for me to stop the payments. This company 's payment system is in gross need of an audit - it constantly charges and handles payments incorrectly and their customer service team is not equipped to handle all of the tech errors.
|
| 07/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan servicing company XXXX XXXX ( Stearns Lending ) is constantly increasing my monthly mortgage payments every few months. The reason for the increase is due to underpayment of escrow. I just do n't understand how my escrow account is short every few months and without explanation I am required to pay this amount. Soon thereafter, the payment decreases for a few months, then it increase again. This is ridiculous. Most people leave on a monthly budget and this makes it unfair to continue to fluctuate payments so frequently.
|
| 03/13/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have tried 3 times to get someone to assist me with my questions and concerns with my escrow account. Stearns Lending LLC has failed with my email request as well as my phone conversation that I 've attempted twice. Customer service gives me the run around and states that the information about my escrow account can be found on their website. I want to have my escrow account reanalyzed for the current year, as i feel there is a significant overage. Ive attempted this request three times with no response or resolution.
|
| 06/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX : Stearns Lending , LLC. XXXX XXXX XXXX XXXX XXXX, VA XXXX Stearns lending took over service of mortgage XX/XX/XXXX. As you XX/XX/XXXX transferred service, effective XXXX XXXX to XXXX XXXX XXXX dba XXXX XXXX. Notification was received by mail on XX/XX/XXXX, which is 6 days in advance of change. I was not provided 15-day notification under the law. Additionally, no notification or documentation has been received by XXXX XXXX XXXX XXXX XXXX XXXX as to the terms of the mortgage under their management.
|
| 06/30/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am very sad at this times, after several month waiting on the underwriter to let us know if we were approval or not. The underwriter became to a point that she very looking for item to denied our loan. We feel she wasted out time, and money. We supply every piece of documents they ask for. We feel due to our race the underwriter, made a major factor and denied our loan. Also XXXX XXXX started this problem we try first them then, XXXX small thing pop up and they denied her first, for not a good reason.
|
| 04/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
My wife and I have been trying to get an answer to a simple question for 6 months now : can we get a PACE loan from the county without defaulting our existing loan?
XXXX different customer service reps have all promised resolutions with a week but none have delivered any results. Requests directly to the loan agent, " special loans '' department, and the loan information mailing address have all been completely ignored.
This is a simple yes or no question that apparently nobody knows the answer to.
|
| 08/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage is currently being serviced by stearns lending. They presently charge you to make a payment online, and even when you are within the 15 day grace period, they are forcing a " one time draft fee '' of up to {$15.00}. This defeats the whole purpose of a " grace period ''. When one of their representatives called me on the XXXX of the month to harass me into making a payment over the phone, i informed him the fees they were charging were not waranted and that I would be filing a complaint.
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Two payments were made to Stearns in XXXX for my mortgage and only received credit for one payment. One was made on XX/XX/20 and the other on XX/XX/20 ( each for {$3300.00} ). Stearns does not answer the phone and I have submitted on line 3 requests to credit my account. I have submitted to them bank statements ( showing the electronic payment ), Electronic ID 's of payments, Electronic confirmations from my bank. I don't know what else to do to get them to respond. Any help would be appreciated.
|
| 03/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Stearns Lending over paid our 2016 taxes by over {$10000.00}. They then increased our monthly payments {$1500.00} a month and continue to overpay our taxes. This is causing hardship for our family. I have been calling them for three months and ca n't get this resolved. We do n't know what to do as no one seems to be able to resolve the issue. Our only option would be to refinance - in this market we would get unfavorable rates. It 's unbelievable to us that this can happen!
|
| 03/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I had a loan with Stearns Lending. I had been making bi-weekly payments. On XX/XX/XXXX they transferred the loan to XXXX XXXX and did not forward one of the payments making my account delinquent. I have called them SEVERAL times for hours at a time trying to get in contact with someone with no resolution. Trying to get an agent on the phone is nearly impossible and I am worried that after 60 days if this matter is not resolved it will negatively affect my credit.
|
| 02/17/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have paid PMI for 4 years 11 months and would like to have the PMI removed once the 5yr requirement is up. Our closing date was XX/XX/XXXX. Since XX/XX/XXXX our builder XXXX XXXX has raised the base price of our model. The new base price would put us at the required 78 LTV ratio for PMI removal. XXXX XXXX preferred lender Stearns Lending says that to remove PMI the LTV is based on the original XX/XX/XXXX appraisal. Is this true and final?
|
| 09/21/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
made a prepayment plan for XXXX payment to be pay in a 6months period paid it off early and when we did found out they had been reporting us as late in our credit report when we started the plan was not advised they would do this or that it would stay on our credit report for 7 to 10 years, which makes it hard for us to refi at a lower rate. we held up our end and even paid it off early we think they should remove it from our credit report
|
| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The underwriter, Stearns Lending, requested excessive documentation to refinance a loan I applied for. the unusual requests started right after the underwriter found out I had XXXX last names as I was born in XXXX and XXXX last names are used there.
The underwriter racially profiled me and requested much more documentation to what is normal. I eventually gave up on complying with the submit of the documentation requests.
|
| 12/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution.
I kindly appreciate for any help in this matter.
I am also filing a small claim in court.
|
| 04/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Stearns transferred my servicing rights to XXXX XXXX on XX/XX/XXXX. Subsequently, I made payments to XXXX XXXX and on XXXX XX/XX/XXXX, Stearns sent me a statement demanding payment from XX/XX/XXXX to XX/XX/XXXX. I had already made the mortgage payment to XXXX XXXX. I disputed this and they still counted this against my credit score as a 90 day late! Now, I can not refinance of my rental properties!
|
| 08/20/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX My loan was sold from XXXX XXXX XXXX XXXX To Starns Leading. I did not Know.
Just This year I found out This append.
I tried to called Sterns Lending no answers, left message no return call from STERNS.
I do not know how I can communicate with them if they do not answers, or who I have to talk to.
|
| 04/29/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.
|
| 01/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan was sold have not recieved any notification from new lender. My payment is due is 7 days. I have waited on hold with old lender they never answer phone.
Can you please help me resolve this at your soonest convenience. I do not want to be penalized. I have recieved no notices. I have never been late on a payment in my life.
|
| 04/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.
|
| 12/21/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We have been unsuccessful in getting accurate information from the loan servicer/mortgage company on the cancellation of MIP/PMI. From what I read there is an annual requirement that they inform us of our rights and a phone number for information. We have never been given that, but in fact have been given false information.
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage lender Stearns Lending LLC is witholding greater than the XXXX escrow cushion in my escrow account. Made multiple attempts to resolve. They cut a check for approximately {$950.00}. There is an additional {$1000.00} above the XXXX number they are witholding, and company refuses to pay it out.
|
| 06/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had an escrow account with Stearns Lending. They failed to pay my property taxes on time, then sold my loan to XXXX XXXX. I still have a delinquent tax notice, I still had to pay out of pocket, and my escrow account still has plenty of money for all of this.
|
| 07/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
They gave us 2 estimates. A ) 4 % with {$2600.00} lenders credit B ) 3.875 without lenders credit. I was clear we want the 3.875 without lenders credit and they agreed. However when time to sign, They had locked rate at 4 % with {$1900.00} Lender 's credit.
|
| 03/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My loan with Stearns got sold to XXXX XXXX and i was notified lass then 2 weeks before transition kicks in. I've seen online that they should be notifying about this atleast 2 weeks prior.
Stearns lending XXXX XXXX XXXX XXXX XXXX VA, XXXX
|
| 06/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX lost my account after my account was transferred to another servicer in XX/XX/2019. Cant provide XX/XX/20191098 form. Keep me on hold every time I call even when Im transferred to supervisor XXXX. Emails go in circles.
|
| 07/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Asked in writing that my PMI be canceled and an appraisal be ordered on XX/XX/XXXX. Called in several times due to no contact and still no response and different answers when I call. Keep getting the runaround
|
| 02/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Stearns Lending sold my Mortgage to XXXX XXXX but didn't transfer my last payment. They are holding a {$1500.00} payment since XXXX. My bank has contacted them but they say they've transferred it. They havent.
|
| 03/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring " flood insurance '' when the property is not within the FEMA guidelines.
|
| 05/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Stearns Lending, LLC Loan Number XXXX Close of Escrow was XX/XX/2015.
Amount involve is {$370000.00}.
Loan amount was paid by escrow XX/XX/2015.
No Reconveyance Deed recorded as of today.
|
| 01/18/2017 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Stearnes Lending continuously posts my payments 15-18 days after they receive them via ACH through my bank 's bill pay.
|
| 08/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Stearns Lending charges a fee for making payments within the 15 day grace period. Charges illegal late fees.
|
| 11/28/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I refinance my house 2 months ago and I did n't receive my escrows back from Sterns Lending XXXX
|
| 01/05/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My home loan was transferred to another lender which I have n't been notified yet
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 11/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 06/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/06/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/30/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/16/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/07/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/31/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 08/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 08/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Fax |
|
|
|
| 07/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/18/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/29/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/02/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 03/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/24/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/13/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/19/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/18/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/12/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 03/29/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 03/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 02/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
|
|
|
Postal mail |
|
|
|
| 02/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/02/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 01/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 09/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/17/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 04/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 04/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
|
| 03/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 02/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/23/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 02/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/03/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
Servicemember |
|
|
| 10/07/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 08/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 08/27/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/28/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 05/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 05/27/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/14/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/27/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 03/26/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Servicemember |
|
|
| 03/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 03/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 02/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/09/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 01/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 12/01/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 11/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 11/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 10/06/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/27/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 09/23/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/20/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 08/28/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 08/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 07/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/21/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 06/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 05/23/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 05/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 04/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/27/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/20/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 02/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 12/27/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/05/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/26/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/30/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/28/2013 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 07/10/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Referral |
|
|
|
| 06/14/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 03/07/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/10/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/27/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/11/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/06/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/24/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/17/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|