| 04/25/2017 |
Yes |
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- Trouble during payment process
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Web |
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A man by the name of XXXX XXXX XXXX came out to my home on several occasions. On every date that he came to my home he NEVER came serving a LAWFUL Eviction Notice that was certified by a COURT OF COMPETENT JURISDICTION and a NOTORIZED BY AN OFFICIAL NOTORY PUBLIC. On XX/XX/XXXX ( although its dated XX/XX/XXXX ) a door hanger was left on the door which stated the following ; Date XX/XX/XXXX IMPORTANT PLEASE CALL Third Federal Savings and Loan Association of Cleveland XXXX PLEASE BE READY TO GIVE YOUR NAME & ADDRESS OF PROPERTY WE ARE EXPECTING YOUR CALL TODAY *If you are currently a debtor in bankruptcy under any chapter of the Bankruptcy Code or if you have previously discharged your obligation to Third Federal Saving and Loan Association in a prior bankruptcy proceeding, this notice shall not be construed as an attempt to collect a debt.
The compilation of this document is in violation of 1692 ( j ) ( a ), 1692 ( f ) ( 6 ) ( A ), 1692 ( f ) ( 6 ) ( c ), 1692 ( e ) ( 1 ) 1692 ( e ) ( 5 ), 1692 ( f ) ( 10 ), 1692 ( d ) ( 1 ) and 1692 ( d ) ( 2 ) of the Fair Debt Collection Practices Act On XX/XX/XXXX XXXX XXXX XXXX handed me a business card that has the following information on it XXXX COUNTY SHERIFFS OFFICE XXXX XXXX, Sheriff XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX http : //sheriff.franklincountyohio.gov Deputy XXXX XXXX Civil Bureau Office ( XXXX ) XXXX Cell ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX He also placed a neon orange 81/2 x 3 sticker on the door with the following information ; Case No. XXXX XXXX XXXX Third Federal Savings + Loan Pltf. Vs. XXXX XXXX XXXX et al Deft To the occupant of XXXX XXXX XXXX I hold in my hands a writ of possession in the above numbered case which is a demand that you vacate this property beforeXX/XX/XXXX. Failure on your part to comply with this order will compel me to take possession. Kindly save yourself any embarrassment by complying with this order at once. This will be the nly notice you will receive from me NO EXTENSIONS LEAVE KEYS IN MAILBOX XXXX XXXX, Sheriff XXXX XXXX XXXX XXXX ( Rev. XX/XX/XXXX ) Important You Call The compilation of this document is in violation of 1692 ( j ) ( a ), 1692 ( f ) ( 6 ) ( A ), 1692 ( f ) ( 6 ) ( c ), 1692 ( e ) ( 1 ) 1692 ( e ) ( 5 ), 1692 ( f ) ( 10 ), 1692 ( d ) ( 1 ) and 1692 ( d ) ( 2 ) of the Fair Debt Collection Practices Act XXXX XXXX XXXX also passed to be a bright neon green 81/2 x11 document with the following information ; XXXX COUNTY SHERIFFS OFFICE Sheriff XXXX XXXX Civil Division YOUR EVICTION DATE HAS BEEN SCHEDULED FOR AT ONCE-YOU MUST VACATE THE PROPERTY NOW!!!
THE EVICTION WILL BEGIN AT XXXX XXXX PLESE CALL DEPUTY XXXX XXXX WITH ANY QUESTIONS OR CONCERNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX http : //sheriff.franklincountyohio.ogv The compilation of this document is in violation of 1692 ( j ) ( a ), 1692 ( f ) ( 6 ) ( A ), 1692 ( f ) ( 6 ) ( c ), 1692 ( e ) ( 1 ) 1692 ( e ) ( 5 ), 1692 ( f ) ( 10 ), 1692 ( d ) ( 1 ) and 1692 ( d ) ( 2 ) of the Fair Debt Collection Practices Act None of the bright neon orange or bright neon green documents were certified by a court of competent jurisdiction or notarized by an official notary.
On XX/XX/XXXX XXXX XXXX XXXX came out with 3 other men ; one identified himself as Deputy XXXX. The other men did not have badges and have not been identified at this point in time. At least three of the men had guns. Given there has never been a lawful eviction notice and two of the men present have not been identified and entered my home with guns this is actually a Armed Burglary/Home Invasion/Tress pass The Victim of this Armed Burglary/Forced Home Invasion/Trespass signed an affidavit attesting to the events that occurred on XX/XX/XXXX. She has been traumatized and has not return to live in the home due to fear.
A second witness was present on XX/XX/XXXX and completed an affidavit. He witnessed the event when the four men entered the home and documented what he remembered. He stated that they were in plain clothes and unmarked cars. He stated that they were taking pictures of every room of the house. He questioned whether they were going to set my belonging out on the street and they informed him I have 72 hours to respond to this.
On XX/XX/XXXX I was called by the father of the victim who had the guns pointed at her. I left work immediately when I received notification of the Armed Burglary/Forced Home Invasion/Trespass. When I arrived, a man who identified himself as Deputy XXXX was in my driveway in an unmarked car. He was wearing tan khaki pants and a black shirt. I asked him who he was. He stated his name was Deputy XXXX. He informed me that I had to be out of the house. I informed that I never went through federal court. He stated something to the effect that I had until XX/XX/XXXX to be out of the house. I informed him that the process was not lawful and he would need to go through a court of competent jurisdiction. When I asked to see any official paperwork or identification he backed out of the driveway and drove away.
The locks were changed in both the front, back and garage doors. The garage door opener was disengaged and a lock was placed on it as well. In addition they cut the main water valve off.
Without a lawful eviction, these are all criminal violations.
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| 04/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I learned through research that certain disclosures where to provided when you purchase a home. I learned of this information from several sources including the Supreme Court Case No : XXXX XXXX XXXX XXXX and XXXX XXXX v XXXX XXXX. It is to my understanding that if you never received certain disclosures you had a right of rescission. I exercised this right by sending a notice of rescission to the CEO, XXXX XXXX XXXX and CFO XXXX XXXX XXXX of Third Federal Savings & Loan on XXXX XXXX, XXXX. This notice was sent Certified Mail and I has it was also notarized. On XXXX XXXX, XXXX at XXXX XXXX I missed a phone call. I returned the call at exactly XXXX XXXX I spoke with someone, who I believe was named XXXX and identified himself as some type of analyst. He informed me that he received the notice of recession and that it was invalid because it was beyond 3 days. I informed that he was incorrect and that was not what the Supreme Court stated. He then stated that some attorney looked over it and had come to that conclusion. I asked him when he came to that decision and I believe he said several days ago. I asked why I have not received anything on this decision since he made the decision several days ago..He called back at two other times once at XXXX XXXX and another time at XXXX XXXX on XXXX XXXX. He stated I should be receiving something from the attorney. On XXXX XXXX, XXXX I received a letter from XXXX XXXX. On the top of the letter it states XXXX, XXXX, XXXX, XXXX XXXX XXXX however on the bottom it states in all capital letters and bold print " THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. " In the letter it states Third Federal of XXXX ( Third Federal ) received my XXXX XXXX, XXXX letter claiming right to rescind the loan and retained our law firm to respond. It stated that Third Federal would not honor my request because it was invalid. It stated I had no right to rescind a loan to purchase real property. It stated I used the fund loaned to you by Third Federal to purchase the property secured by the mortgage so you do n't have a right to rescin and that the mortgage was signed in XXXX so even if it was covered under the Truth in Lending Act ( TILA ) right of rescission would be outside TILA statute of limitations. It also stated the right to rescind expires in 3 business days after the loan documents are signed and if extended for 3 years if the lender failed to provide necessary disclosures. In addition it stated that since the loan is a purchase money loan and even if it was covered by TILA 's you claim would be barred by TILA 's statute of limitations. It then states your claim for rescission is rejected. It is my understanding that a 3rd party debt collector can not make this determination. In response, I sent a letter back certified mail on XXXX XXXX, XXXX stating that he was in no position to make this determination as a 3rd party debt collector. I then sent a Notice and Demand to Validate the Debt in this same letter. I received a letter back on XXXX XXXX, XXXX from XXXX XXXX. It stated the following " To reiterate, you request for a loan rescission will not be honored by Third Federal Savings and Loan Association of XXXX for the reasons set forth in my letter dated XXXX XXXX, XXXX. '' It also stated " Though my letter to you identified our law firm as a debt collector, my letter to you was neither a demand for payment nor an attempt to collect a debt, so your dispute does not trigger an obligation to validate the debt.
He then stated that the purpose of the letter was to inform your rescission claim is baseless, and, that, therefore, the rescission request would not be honored. Since Third Federal has not responded directly I am confused and worried and do n't know what to do.
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| 07/12/2017 |
Yes |
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- Trouble during payment process
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Web |
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The United States of America Federal Consumer Officer, XXXX XXXX XXXX In the Matter of : JUDGEMENT ORDER Third Federal Savings and Loan Association.
I have reviewed the conduct and behavior of Third Federal Savings and Loan Association and have identified the following law violations ; 15 USC 1692 ( c ) Communication without prior consent of the consumer, 15 USC 1692 ( d ) Harassment or Abuse, 15 USC 1692 ( k ) False or Misleading Representation, 15 USC 1692 ( f ) Unfair Practices, 15 USC 1692 ( j ) Furnishing certain deceptive forms, 15 USC 1692 ( h ) Multiple Debts, 15 USC 1692 ( n ) Relation to State Law, Pub. L. 114-38. Public Law for the Current Congress, Third Federal Savings and Loan Associates and it collaborators failed to uphold their sworn oath to the Constitution of the United States of America and provide services that are equitable, fair and in the best interest of me, the consumer. A lawful rescission was ignored and Third Federal Savings and Loan Association failed to contest the rescission by filing a suit in court of competent jurisdiction.
As opposed to following the law established to contest the rescission ; Third Federal Saving and Loans Associates engaged in piracy through identity theft, larceny, embezzlement and the foliaging of consumer accounts. They colluded and collaborated with third parties by designing, compiling and furnishing unauthorized explosive weapons ; such as fraudulent securities and fictitious paperwork in order to economically destabilize my personal, family and household structure.
These fraudulent securities were created in order launder taxes ; extort personal property and unlawfully convert assets by conversion over to unauthorized third parties. By diverting their tax liability to a nontaxable consumer credit transaction, they are guilty of fraud and tax evasion.
If the intimidation was not successful from the paperwork ; domestic violence was implemented in the form of physical threats, harassment and abusive behaviors from third parties. These tactics were deployed in order to increase the severity of the abuse in a effort to scare me into compliance.
Third Federal Savings and Loan Associates along with their collaborators wanted to create an ILLUSION to the public that this strategically designed organized criminal system was crafted in compliance with the LAW, when in reality it is a form of terrorism and a menace to Consumers and The People of the United States of America.
Without my prior consent and in violation of 15 USC 1692 ( e ) ( a ) my personal and private information has been used in unlawful and fraudulent transactions and transferred to ; The Clerk of Courts of XXXX County Court of Common Pleas, XXXX County Sheriff Department, XXXX XXXX XXXX, and many other Third Parties listed below as violators.
All of the above entities have violated their Constitutional Oath to the United States of America and have committed perjury by aiding and abetting the enemy. Third Federal Savings and Loan Associates and their collaborators changed the character of my consumer credit transaction and converted it into a commercial transaction which would ultimately be unlawfully traded on Wall Street.
The Constitution of the United States of America, Consumer Protection Laws, Fair Credit Reporting Act and the Truth in Lending Act which have been established and put in place for me the Consumer to participate in International, Interstate, and Foreign Trade for the benefit of my personal, family and household stability has been ignored, neglected and disregarded by service providers and third parties who are nothing more than debt collectors.
Control methods must be implemented immediately in order to manage and combat the violent assault being wielded by these invasive species.
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| 10/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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READ Entire Dispute attached XXXX XXXX, 2016 Third Federal -Request for Original Loan Level Documentation to CFPB Entire Dispute On XXXX XXXX, 2016 at approximately XXXX I went to the Third Federal Savings and Loan, located at XXXX XXXX, in XXXX , Ohio XXXX. I requested to speak with the person who was in charge with running the branch. I was directed to speak with XXXX XXXX ( XXXX # XXXX ). I informed her that I had some concerns. I requested the status of the loan which was associated with my name. I provided her with the following Loan # XXXX. She informed me that the loan was in Default Services. I asked her how it could be in default services when the loan was rescinded. I informed her that I ran my credit report and it showed there was a XXXX balance associated with the loan. She stated that she was unfamiliar with a Rescission. I informed her that she needed to read the XXXX vs.XXXX case and any of the the AMICUS briefs pertaining to rescission. I informed her that I read them all. I then asked her where the payments went that were previously paid toward this loan. She informed me that that Third Federal receives the payments. I then asked what accounts the payment are deposited into. She again informed me that the payments are made to Third Federal Savings and Loan in XXXX Ohio. I asked her what man or woman is actually receiving the payments. She again informed me that it was Third Federal. I told her Third federal is an entity. I then asked her that if I was going to sue someone, I am quite certain that Third Federal ( the building ) would not be able to come into court. I asked her who would show up in court. She than stated that Third Federal Savings and Loan is made up of a Board of Directors. She than began to type some information into the system. She stated something about payments. I then asked her if there were any payment made into escrow. She pulled up some information in the system and asked me when I sent in the rescission. I stated around XXXX. I informed her that if she does not have any record that the loan was rescinded I could get someone from the Consumer Financial Protection Board to confirm that it was rescinded. The complaint # is # XXXX filed XXXX ( OMB # XXXX ). I also pulled out the Settlement Statements. I received one at closing with page XXXX cut off from line item XXXX down.When I received the Settlement Statement from XXXX XXXX included lines XXXX down however they were not in numerical order. It went from line item XXXX to XXXX. It skipped lines XXXX-through XXXX in the column on the LEFT side. In the column on the RIGHT side it skipped line items XXXX through XXXX ). The skipping of line items also occurred throughout the entire settlement statement. It appears to be manipulation and possible falsification of the documentation. Her next statement startled me. She stated " What do you want me to do cut a check. '' I was surprised she made such a statement. I did not respond to the question. She stated that she would get someone from Third Federal Savings and Loan in XXXX on the phone that could better assist me. She connected me to XXXX XXXX, Legal Analyst in Default Servicing -Legal. I had an interaction with him in the past. He responded to a letter that I sent to Third Federal requesting information on who created the Addendum to the HUD-1 Settlement Statement, Escrow NO ; XXXX, and for what purpose. He stated it was created and compiled by Esquire Title so the parties involved can acknowledge receipt and review of the HUD-1 Settlement Statement. I presented XXXX XXXX with the same question as XXXX XXXX. He informed me that I owe XXXX to Third Federal Savings and Loan and he asked me why I felt like I did not owe it. I informed him that I participated in a Credit Transaction
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| 03/21/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I. ECOA Regulation B, Section 701 ( e ) appraisal discrimination, II. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691et seq, III. HUD Regulations, IV. Consumer Credit Protection Act.
1. Income : Debt To Income ratio ( DTI ) is within parameters, 2. Bankruptcy, was voluntarily dismissed, XXXX 13. It was unnecessary, inadvertent and voluntarily dismissed, with no charge off or debt liquidation, 3. Collateral-Value of property. Tax record values are not considered valuations. 12 CFR 1002.14 ( b ) ( 3 ) ( ii ) 700. ... significant upgrades of 95 % of home and approximately 600 square feet were added in XXXX. A higher equity stake is plausible and realistic. Improbable pricing would remain at the same market value of XXXX, market comparables are available, 4. Credit Bureau XXXX , discretionary value and counter offer is available for lenders, depending on DTI XXXX actual value and repayment of {$120.00} ... see : XXXX XXXX file, online file # XXXX, 5. Denial Letter, Part 1, Credit bureau score does not meet underwriting guidelines for product requested. At no time was any other conforming product offered. Language is ambiguous and indicates other products are available. Denial was based on the singular request. Other products are available to an applicant, then deliberately concealed = discrimination. they do not want the loan for reasons other than underwriting criteria.
6. Student Loan is being paid, as agreed ( has never been late, credit reporting is erroneous ), and is paid on an Income Based Repayment plan. [ Footnote : XXXX is being sued and challenged across the country, for its dubious, unfair collection practices and misleading credit entries. Applicant has every check from early XXXX for payment : production on request ].
The applicant reiterates and accuses, Third Federal SavingXXXX and Loan of willful and intentional discriminatory practices, misconduct. The facts do not support Third Federal 's Credit decision-denial.
Discussion Factors such as, value, Debt To Income ratios and credit scores are not insurmountable for the lender. The applicant alleges, Third Federal deliberately, with intent, determined the applicants application as insufficient, and never requested clarification, or independent verification of any of the criteria used in the declination, refusal of credit.
Initial review included a credit check. The credit check was run upon checking the box, in the online application. The credit profile was available almost immediately, the day of application, XXXX XX/XX/XXXX. Yet, they waited until Wednesday XXXX XX/XX/XXXX to call me and indicate they could not move forward with my request and created a letter-communication based off the initial contact ( XXXX XX/XX/XXXX ), with insufficient information, based on a cursory review of the applicant 's age, race, gender and automated underwriting determinations. Third Federal never said the applicant didn't qualify for a loan, they said : she didn't qualify for the product requested, two very different things.
Further, FACTORS AFFECTING THE XXXXREDIT SCORE : FALSE AND MISLEADING Medical Bills ... seasoned 3-5 years Number of accounts with delinquency ... questionable Established accounts ... supersede delinquencies Bankruptcy dismissed ... .inadvertent, unnecessary, interpreted by lender The applicants contention is Third Federal looked into any permissible reason to reject the application, and to find reasons to deny the application, beyond facts that could have been ascertained. Discrimination is present and evidenced in correspondence, file, and Third FederaXXXX applicable-underwriting guidelines.
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| 11/01/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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I open an account at XXXX XXXX in XXXX XXXX XXXX soon after that I became a victim of identity theft I reported this to the bank my banking account was compromised and some online transfers were made with my money I filed a police report disputed with the bank and my account was credited the bank thing closed my own account and opened me up a new one not even 8 Days Later the bank gave my account information to someone over the the phone they then withdrew XXXX dollars I called the bank because of my online banking abilities and not being able to go online they didn't ask me did I call in earlier that week and I said no only on XX/XX/XXXX I came in sign the paperwork to receive my money back into my account and then on the XXXX I came in and with Drew {$300.00} on the XXXX that's when the money was withdrawn again out of my account the banker told me that she is having trouble identifying me and that the ladies where I opened my account were able to identify me cuz they're familiar with me she asked me to go there the next day and have them call her when I was there so I did so she only told me that someone called and pretending to be me and that they said I was sick but when I came into the branch she proceeded to tell me something different she then told me that person went through XXXX XXXX branch and withdrew {$2000.00} and this is not because of my negligence this is because of the bank 's negligence if you're giving my information out over the phone and not even one week after I had closed the accounts and opened a new one and filed a police report and froze my credit she then stated that they no longer wish to bank with me that I needed to file another police report at XXXX Police Department XXXX Police Department stated that I could not file one there that I needed to file in XXXX cuz that's where my identity was stolen and it or that's where I should file I kept calling back and forth to the branch and to the police department I had XXXX Police Department called XXXX and they told them the same things I am working with a detective or and waiting for him to get back with me from his supervisor answering the questions that I need answered about XXXX XXXX not taking my police report I don't understand why the bank would lie to me on the phone they said they just needed to identify me they did not tell me that the {$2000.00} was taken out and they did not tell me they gave my information over the phone they just said that the same problem was happening of identity theft and fraud they close my account gave me the remaining balance of my account and told me that I would get a check after I filed a police report I don't believe that this is right it is not my fault that they gave my information out over the phone it is not my fault that they let this person withdraw my money when they knew for a fact that I could not be identified by the identification card because it had been stolen and I was waiting for my new one the person 's name that I spoke to was XXXX XXXX off I just wish for this to be resolved with me receiving my funds back I repeated I reported my identity that to the bank directly after it was stolen and still there are online transfers completed as soon as I became aware of them I reported that they they were not from me and I disputed them and XX/XX/XXXX I closed my account and opened new ones and by XX/XX/XXXX the same problem happened again by the bankers negligence
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| 01/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was told by Third Federal Savings & Loan during several conversations with Loan Department Manager XXXX XXXX That XXXX XXXX XXXX XXXX was trustee after checking this information out I was told on my first initial contact that indeed they was trustee and XXXX XXXX was Servicer. How could this be when Third Federal Savings & Loan claimed they was servicer and have been collecting my payments for the past 20 years on a perfect payment history from myself. After further investigation and meeting with XXXX XXXX he told me that Third Federal Savings & Loan was collecting payment on behalf of the government which is fraud since my Mortgage was paid off by government based on bailout or tarp program.
Secondly, after further digging into this matter by contacting XXXX XXXX XXXX XXXX I was my information was no loner in database and they was not trustee after pulling my tittle is where I discovered that I was the assignee which clearly makes me the owner of my property. Third Federal Savings & Loan sold my Mortgage to XXXX XXXX XXXX XXXX THEN PROCEEDED TO COLLECT PAYMENTS FOR TH PAST TWENTY YEARS WHICH IS CLEARLY FRAUD I file Lien against them for their actions. their are reporting my mortgage as late to all three bureaus as I refused to give them one more dime see below email from XXXX XXXX XXXX XXXX response first email was XX/XX/XXXX, and recent email XX/XX/XXXX below is email I received from you last month PROPERTY LOCATED XXXX XXXX XXXX, OH XXXX so are you no longer trustee please reply Thank you for your recent correspondence.
As per our records, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX Phone # : Loan Servicing : XXXX Loss Mitigation : XXXX Short Sale : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX acting as a Trustee, and therefore we do not own the loan or the property. As trustee, XXXX XXXX is not involved in the servicing of the loans or the foreclosure process.. This is the responsibility of the Servicer. The servicer is the direct and only contact who would have the information you are seeking.
Thank you for contacting XXXX XXXX.
On Fri, XX/XX/XXXX at XXXX XXXX, XXXX wrote : Thank you for your recent correspondence.
After researching our database, we do not show any records of the address ( es ) listed in your email. If you have documents showing we are the Trustee, please send it to this mailbox so it can be researched further. All applicable documents should be sent via email. However, please note that XXXX XXXX is solely the trustee and any property preservation, release, assignment, etc. would be handled by the applicable servicer. If you know the applicable servicer, please contact them directly. If not, please send any documentation you have showing XXXX XXXX as trustee so that we can direct your email to the appropriate party.
Thank you for contacting XXXX XXXX.
PLEASE STOP THE FRAUD BEING COMMITTED AGAINST MYSELF FROM THIRD FEDERAL SAVINGS & LOAN AS I DEMAND MY DEED TO MY PROPERTY Thank you muck XXXX XXXX.
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| 11/25/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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To sum up what has transpired with myself and Third Federal is I have been making payments just about all on time to them for ten years. About four years ago I filed bankrupcy because I was a single mom and full-time XXXX student. In that time I had always paid my bills to Thhird Federal on time. After the bankrupcy my loan was discharged but I continued to pay because of course I want my house. This has been at least the third time I have received threatening letters from Third Federal as well as them putting a delinquency on my credit report which I have rebuilt. For most of my loan I had paid approximately {$55.00} a month. Apparently after bankrupcy they raised it slightly yet they never informed me. They stated when I called that they are not allowed to send me bills even though I was rerquesting them so I can stay on top of paying them, yet they refused. I paid the outstanding portion I had owed because i was never made aware of the increase. Then about a year later they send me another threatening letter that I am delinquent because of non payment yet I said I have made all my payments. The rep said my loan amount increased and I owed {$220.00} extra, I asked if they could inform me so this does not happen again and they refused. I had made a complaint with you but nothing transpired. I did pay the difference immediately and that was approximately six months ago. Again, I continued to make monthly payments on time which I have enclosed a copy of. Now six months later they send me another threatening notice saying I owe {$450.00} and this letter is a notice of default on my mortgage loan reference # XXXX resulting from my failure to make all monthly installments due as of XX/XX/18. I HAVE made all payments, they continue to reck havoc on my credit and my mortgage, I am trying to rebuild the excellent credit I had had yet they continue to sabatoge it as if to forclose my house and get their money. My loan is approximately {$23000.00} and I had for the most part paid $ XXXX/month, then this year I find out it had gone up to about {$74.00}, the actual amount I am uncertain of whereas they continue to refuse to inform me. I have paid the $ {$220.00} owed plus the $ XXXX monthly, it is impossible that I could owe {$450.00} in six months when I have made AL, again ALL of my payments. This is harassment and sabotage to my home and welfare. It has got to end. They need to remove that {$450.00} and from now on send a written estimate of my payments and what I owe. They can not continue to send me frivolous bills of outrages sums without any explanation. I can not even go online to review anything, I have no idea what they are doing, what they are charging me or what my interest rate is. I believe if I aim making and have made all my payments for ten years I am entitled to receive a bill, a reason for owing {$450.00}. This is UNACCEPTABLE. They are trying to forclose on my home.
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| 04/07/2020 |
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 I submitted an application for a refinance with XXXX XXXX XXXX and XXXX. It was done at the XXXX XXXX. Everything was discussed by XXXX XXXX, the loan officer. The product that seemed to work best for us was a XXXX Smart rate adjustable 30 yr low cost loan. The rate was locked in at 3.19 % APR for 60 days.
Our credit was pulled and everything was ready to go. We were told that this product was great because it gave you an 85 % loan to value instead of the traditional 80 %. we decided to move forward. The appraisal was done the very next day. It came in a lot lower than we were expecting but it was still enough for the amount we needed.
We were a little over the debt to income ratio so we decided to put in a pay off of our XXXX XXXX which was XXXX. We were also paying off the equity line of credit of XXXX. This would have relieved us of XXXX dollars in debt. Thus bringing down the debt ratio as it was explained to us.
The loan was sent to underwriting on the XXXX of XXXX. On XX/XX/2020 we got an email asking us to be patient. On XX/XX/2020 we received a call telling us the loan was approved but for only XXXX instead of the XXXX. When we asked the loan XXXX, She said our appraisal was too low?? I didn't understand and pressed further for an explanation and was told on XXXX XXXX that the rules on this product changed and the loan to value changed from 85 % to 70 %. they said they were protecting their bank because of the Corona Virus.
I called the corporate headquarters and asked questions to why we were not as the consumer notified of this. I was told they suspended the product we were offered and we were in the pipeline when this happened and all those loans that had been just sitting in underwriting were denied. I feel this is so unfair. We had all the info in for weeks before the virus. I asked to talk to underwriting or if any other product would work for us and we were told no consumer could be transferred to underwriting. We were not offered any other loan except the one that was offered to us but we would have to bring about XXXX to the closing.
I asked why I would need that much money at closing and I still don't understand. I am very upset by all of this and Third Federal Savings and Loan was recommended to me by my accountant because he said they cared about their consumers. I don't feel like that is true now. I feel they are looking out for themselves. I received a call from the associate XXXXanager at this branch and basically said there was nothing more that they could do because they were being very protective due to the Covid 19.
The corporate office also said that no exceptions would be made because then they would have to do it for everybody. I feel the agreement should be honored since this was all started 15 days before the product was suspended, Thank You so much for looking into this matter
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| 07/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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I applied for a home equity line of credit, to refinance an existing home equity line of credit from a different lender. During the refinance, their underwriters pulled a " XXXXroperty Profile '' report allegedly showing XXXX liens that they stated must be paid at closing. I balked at their requirement considering XXXX of the XXXX liens were not in fact liens but instead, simply notices that a previous tenant at my address had defaulted on personal property taxes. I attempted to reason with this bank, explaining clearly that i did not have personal property tax liens but, it was to no avail. I was finally able to contact the XXXX party that provided the bank the property profile and asked them to clarify these " personal property tax liens ''. They immediately saw that the liens were in someone else 's name, not mine and, that they were not liens and provided an updated report to the bank. That left XXXX final " lien ''.
I explained to the bank that the other " lien '' that they incorrectly asserted was a judgment against me was instead, a supplemental tax bill, paid semi annually with my regular property taxes. They insisted that this supplemental tax bill be paid in full separately from my regular property taxes because they stated incorrectly that it was a judgment. They threatened to cancel my scheduled close if i did not pay it. I pleaded with them that its property taxes and that it did not impact their lien priority and that XXXX other previous lenders understood how supplemental taxes work. They cancelled my closing anyway.
Out of pressure and under duress, I agreed to pay the supplemental tax bill, which would cause me harm when filing my taxes as i lose the write off of property taxes. They insisted i provide them a payoff. I obtained the payoff and submitted it to them. instead of issuing a check to the payee listed on the demand, and in the amount listed on the demand, they issued a check to another entity for another amount. The check has not been cashed because of this and to add to my injury, i've been paying interest on this amount that has yet to be corrected. I asked them to put a stop payment on the check and they refused.
I'm at a loss financially for the interest charged on this outstanding cashier 's check and, I'm being required to pay a supplemental property tax that is a normal tax paid twice a year through an escrowed account by my XXXX XXXX XXXX servicer. I want the requirement to pay the lien removed as the lien priority of this bank doesn't change whether they pay it or not and, I want to be reimbursed for the interest for the time that has gone by since they issued an incorrect check and amount.
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| 01/31/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I currently have a HELOC with ThirdFederal with a line amount of {$100000.00}. My rate is Prime minus XXXX with a 2.00 % floor. The rate is for the entire line amount, regardless of the outstanding balance. I inquired to refi as I saw that the offered a rate, Prime minus XXXX. There was no cost to me to refinance. I spoke to a rep. of ThirdFederal who confirmed the rate of Prime minus XXXX. I applied late XXXX and submitted requested documentation on XX/XX/XXXX. ThirdFederal sent me, electronically, disclosures to explain the HELOC. I signed, along with my wife XXXX, the application and an authorization to proceed. Neither signed document included the interest rate. Even though a different document stated that the rate was Prime minus XXXX if the balance was at least $ XXXX, Prime minus XXXX for less than $ XXXX and a minimum rate of 2.24 %, it was still my understanding that my HELOC would close at XXXX minus XXXX as that is what was told to me. We continued with the process and on XX/XX/XXXX I received an approval notice from ThirdFederal/XXXX XXXX. Their letter stated I was approved with the following terms : Interest Rate : Prime XXXX %, 10 year draw and 20 year repayment and commitment expiration of XX/XX/XXXX. I asked to have the documents sent to me prior to closing to review so the signing of documents could be expedited. In review of the docs, they did not represent what was told to me and what was in their approval letter. The terms of the new HELOC is not a net benefit for me as even though the rate may be lower temporarily, if prime drops XXXX or I pay down to below $ XXXX, it would cost me significantly more money. This is a clear misrepresentation and a bank putting a customer is a worse financial position for their own profit. In speaking with XXXX XXXX, she agreed that the approval letter does not illustrate the true rate or minimum rate. She said she spoke to XXXX XXXX, her manager and is unable to honor the rate that was disclosed to me verbally and in the approval letter. I am writing to you for relief that they honor their approval of Prime minus XXXX for the entire balance with a minimum rate of XXXX %. I believe that I am not the only person who may have experienced this, I just closely read the documents closely prior to signing. If other applicant 's documents were reviewed, you may find the same misrepresentation. This may be the reason they don't want to honor the rates on my loan as it would open them up for many more errors.
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| 08/09/2020 |
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 |
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Copy of email of issues, sent to ThirdFederal Savings and Loan about Mortgage Credit Reporting under Covid-19 and it's Forbearance customers : To whom it may concern, my account is XXXX, In the beginning of the forbearance, as seen in my email below, dated XX/XX/2020. I specifically asked about the process with no penalty.
It has come to my attention that you have posted remarks on my credit report saying " affected by the Natural Disaster '' with zero payment, and no payments for several months ( see images below ), which is a subtle but direct way of reporting a negative to my credit report as not payment to others : mtg reportXX/XX/XXXXXXXX ( see attached ) mtg report-XXXX ( see attached ) This action by Third Federal is a violation of the CARES ACT. I demand that these remarks and non payments for several months be corrected immediately, to avoid legal action potentially class action. Your actions have caused me injury to my financing activities because you have used a tricky way of reporting me behind on my mortgage. When this is not the case under the CARES ACT.
Additionally, if Third Federal was going to report these negative remarks and gap in payments, which by law it can not, it should have explicitly explained this to its customers so they would have full disclosure.
The law states, according to : XXXX XXXX XXXX " New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).
These basic CARES Act rights translate into the following technical implementation, as guided by the standardized Metro 2 format developed by the Consumer Data Industry Association. This Metro 2 format is explained at NCLCs Fair Credit Reporting 6.3.2.
When a creditor reports accounts as current, the Metro 2 reporting format includes both a payment history field and an account status field. If the CARES Act requires the account to be reported as current, one would assume that both fields should be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. See NCLCs Fair Credit Reporting 6.3.3.3.4. ''
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| 08/18/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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In XXXX of XXXX, we closed our ThirdFederal HELOC account XXXX having it paid off with a new HELOC company. On XXXX we got docs mailed about the lien release. Access to the closed account was removed from our online portal. On XX/XX/XXXX, ThirdFederal drafted {$600.00} from our linked bank account. We had that amount set up as an autodraft previously. On XX/XX/XXXX I called ThirdFederal and said that I wanted the {$600.00} reimbursed. I spoke with XXXX. She told me that the funds were returned that same day. After checking my bank accounts, I let her know that it did not come back to me electronically into the same account it was taken from. I subsequently asked my bank if they saw an attempted return of the money taken and they said no and said to ask for the tracking number on the payment from ThirdFederal. XXXX was unable to assist further. We contacted ThirdFederal through the banking portal ( bc we still have our primary mortgage with them ) and asked for the ACH re-payment tracking number. XXXX XXXX instead stated in response to our inquiry, " When this happens, we hold the funds for 8 business days and mail a check to the address we have on file. I do see a check in the amount of {$600.00} was mailed on XX/XX/XXXX. The check number is XXXX and we do ask that you wait 7-10 business days to receive it. '' We waited until XX/XX/XXXX to receive the check and since we didn't get it yet called ThirdFederal again today and said so. XXXX took the call but was wholly ill-equipped to deal with this problem and had to keep placing me on hold so he could coordinate with the people who really could " help. '' XXXX came back on the phone at one point and said the money went to an account ending in XXXX as though that meant something to us. We confirmed we had no bank account ending in that account number - I even checked our new HELOC #. He also at one point said he was told no check was sent out. I asked XXXX about his supervisor 's name and he didn't give it to me and redirected the question. He said that he will call us back tomorrow after more research is done by this other department. They made it impossible for us to cancel the $ XXXX payment closing us out of the HELOC portal, took the money unauthorized, tell us they are sending it back but don't, and then give us frustrating run arounds and don't let us talk to anyone capable of giving us the {$600.00} back.
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| 04/26/2017 |
Yes |
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- Trouble during payment process
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Web |
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XXXX , XXXX , Assistant Prosecuting Attorney of the Civil Division-Tax Unit. Sent an e-mail to XXXX XXXX on Tuesday, XXXX XXXX , XXXX at XXXX XXXX It was also sent to XXXX XXXX XXXX It was titled FW : proposed Confirmation Entry In the body of the text it states the following Hello I approve of the Entry Thank You XXXX Jin Assistant Prosecuting Attorney Civil Division-Tax Unit XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX Phone XXXX Fax XXXX Office of XXXX XXXX XXXX County Prosecuting Attorney XXXX County Prosecutors XXXX XXXX County Prosecutors Office This e-mail was sent in response to the e-mail sent on Tuesday, XXXX XXXX , XXXX at XXXX XXXX from XXXX XXXX XXXX , Legal Assistant at XXXX , XXXX , XXXX , XXXX and XXXX XXXX LPA with the Subject proposed Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al Case No. XXXX Our File : XXXX Good Morining Please see the attached proposed judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry Please provide either your approval or changes. I never have the opportunity to review this information. Please e send me the entire attachment titled XXXX XXXX c and//or what is titled Our File : XXXX in the e-mail of XXXX XXXX XXXX ( debt collector ) Please answer the following questions : 1. I was never given the opportunity to read this file titled Our File : XXXX please explain in detail what information is in this file? 2. Please send me a copy of all information in the file and any documentation associated with the file 3 . What is the contents within the file you received from XXXX XXXX XXXX 4. Why was it sent to you to revie w 5. What is the meaning of Entry 6. Is the Judgment Entry that is confirming the sale for XXXX XXXX to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , or XXXX 7. Who provided you with the information that is contained in the attached titled XXXX XXXX and/or the information within the e-mail identified as Our File : XXXX The original e-mail is attached
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| 01/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I XXXX XXXX Pro Se litigant have asked to see the Original Promissory Note ( front & back ) since the very beginning of this housing dispute XX/XX/XXXX, after being denied a partial payment XX/XX/XXXX in person at the branch, and have been denied repeatedly, i have had no fairness in any of this, I've been steamrolled, and no one will hear me out.
The staff involved has ignored every motion and anything else that I've placed into the docket, I've even reached out to the CFO of XXXX XXXX XXXX XXXX XXXX XXXX sending them a Money Order registered mail XX/XX/XXXX in the amount of {>= $1,000,000} ( to resolve things and have this foreclosure dismissed ) presenting it under ( Administrative Process ) through a Notary Presentment ... I've received no response back nor the Money Order was returned, according to UCC rules 4-104, A, B, they had 24 hours to refuse or except and neither was done.
Everything I've put into this ght has been Underminded and disregarded by those above, I'm ghting to stay in my home, with no where else to reside with my family. but every time i look into the docket they've proceeded with something new, I've even led an appeal just XX/XX/XXXX and prior to the appeal, the the attorney XXXX XXXX has proceeded in certicate of title, order of sale to sheriff, and just yesterday XX/XX/XXXX it states that an appraisal has been done on my home as of XX/XX/XXXX and i had no recollection of this?? i don't understand how was this done without approaching me?
They are moving very fast to steal my home, knowing very well they having no Standing .... during this nightmare I've repeatedly taken my Acknowledgement, Acceptance, And Re-Conveyance Of Deed, My Act Of Expatriation, Domicile, Declaration, And Allegiance, Certicate Of Acknowledgment downtown to the scal ofce to be rejected.. and have had all 3 documents recorded outside of Ohio, because the Fiscal XXXX County building states they are not to be accepted, so after i had these same documents recorded in ( XXXX County Georgia ) , it is said that any recorded instrument is to be recorded in its county ofce seeing its already been recorded.
Yet I've been refused once again at the fiscal XXXX county building here in XXXX ohio.
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| 07/10/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Dear Sir or Madam, I am writing to file a complaint against Third Federal Savings & Loan Bank in XXXX, OH. For years, Third Federal wrongly reported an item on my credit report after a version of a short sale in XX/XX/XXXX, which caused me financial harm due to incorrect reporting on my credit report for years. In XXXX XXXX, the bank reduced the interest on the repayment agreement with no initial explanation and that caused me to look back at this whole situation.
Several realtors have said that my case was one of the first short sales in XXXX in XXXX and once more regulations were passed my situation would never have been handled as a short sale.
How was my case handled? XX/XX/XXXX, Third Federal converted the {$20000.00} deficit after the short sale to a promissory note at 5 percent interest, which I have been paying on for seven years. Yet, Third Federal reported this as a charge-off on my credit report, when not one penny was charged off. To date, I have paid {$11000.00}. As of XXXX XXXX, the balance due was {$9200.00}. I have continued making the monthly payments.
The credit report inaccuracies have cost me more than {$10000.00} in interest and higher insurance premiums, as well as immeasurable stress as I struggled to get a new job and buy a new home in the face of the negative information on my credit report. In light of what Third Federal has cost me financially, I asked Third Federal in XXXX XXXX to erase the remainder of the {$9000.00} balance. Third Federal declined. The bank said it had already reduced the interest rate earlier this year, even though this move preceded my request to reduce the balance and had nothing to do with the bank 's admitted errors and the financial harm the bank has caused me. Interestingly, no one at Third Federal will give me an in-depth explanation into why it reduced my interest rate without a request from me.
I gladly accepted this interest rate reduction, which the bank says it initiated because I 'm a good customer. But this still does not address the financial harm done to me as a result of the bank 's mistakes.
That 's why I 'm writing to you.
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| 04/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I live in XXXX, OH XXXX. I am reporting a home scam committed by Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX.
Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX committed home fraud on my property at XXXX, OH XXXX. HUD told me that something bad has happened with my home and I need to seek authorities help. I also wanted to know if RESPA was followed.
I filed this complaint on XX/XX/2019, and the Federal Reserve filed a complaint on XX/XX/2019, with CFPB on Third Federal. Without addressing my complaint, CFPB closed both the case today stating that it is duplicate with a third one, which is a false statement.
Today, XX/XX/2019 XXXX XXXX, I spoke with a CFPB agent XXXX XXXX. Mr . XXXX verified my complaint and confirmed that these two complaints are not duplicate to another third one. Mr . XXXX told me Third Federal closed the case using some guest service account. Also, Mr . XXXX told me that If I submit my complaint again, Third Federal will close it again as a duplicate or something because CFPB does not have any control over the complaint process.
I want my home, and I want a fair investigation and justice. Someone very powerful is covering up Third Federal savings and loan home scam. Moreover, HUD advised me to file this home scam and RESPA inquiry with CFPB.
I want to know how my home account got transferred.
I want to inquire if all RESPA procedures were followed on my property.
I want to file a home scam/fraud against Third Federal Savings & Loan.
My home is protected by the government. So, I want to know all the property payment details and who is paying what.
CFPB, please do not close this complaint stating that this is duplicate. This is not a duplicate complaint. This is a home scam / RESPA case. Please investigate justly.
Finally, if CFPB believes that CFPB can not control Third Federal savings and loan and Third Federal will again lie and close the case, please escalate this to the proper authorities.
Thank you, Sincerely, XXXX XXXX
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| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Re : Third Federal Savings & Loan Association of Cleveland ( " Third Federal '' ) Address : XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX County, Florida Mortgage Instrument # XXXX Book # XXXX Page # XXXX Filing Date : XXXX XX/XX/2019 Re : XXXX County, Florida Special Warranty Deed Instrument # XXXX Book # XXXX Page # XXXX. Grantor conveys to Grantee property on page 1 of the attached deed that does not match the property described on p 3 of the deed that it has the right to convey. The legal description on page 1 of the attached Special Warranty does not match the legal description on the authorization document on page 3.
The response letter by Third Federal Savings and Loan to Complaint # XXXX is defective. It is not dated and bears no signature. This response letter reads as follows and is also attached as an exhibit to this complaint.
We are advising the CFPB and all applicable regulatory agencies of a mortgage on a property Grantor had no right to convey. As such we are requesting that the CFPB, the OCC and all applicable regulatory agencies take immediate action and direct Third Federal to amend the mortgage so the grantor 's legal description of the property is correctly reflected on the mortgage and note documents. SEE PAGE 1 and PAGE 3 of the attached warranty deed for a comparison of the legal descriptions.
Thank you for your immediate assistance in this matter.
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The response letter from Third Federal hereto attached as an exhibit reads as follows : IT BEARS NO DATE AND NO SIGNATURE BY XXXX XXXX.
CFPB Office of the Comptroller of the Currency RE : Case Number XXXX Consumer : XXXX XXXX To whom it may concern : Third Federal is in receipt of the above reference case and has reviewed her statements and our records. Please find our response below : XXXX XXXX is not a current customer of Third Federal Saving and Loan therefore there are no documents in need of any corrections. The documents she provided belong to another customer of ours.
XXXX XXXX Closing Manger
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| 04/25/2017 |
Yes |
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX who identified himself as the Legal Assistant with XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX . LPA sent a e-mail to prosecutortaxenty, which is the e-mail of XXXX , XXXX , Assistant Prosecuting Attorney of the Civil Division-Tax Unit.
This e-mail was sent on Tuesday, XXXX XXXX XXXX at XXXX XXXX Within the body of the e-mail it stated the following ; Third Federal S & L vs. XXXX XXXX XXXX et al Case No. XXXX Our File : XXXX Good morning Please see the attached proposed Judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry, please provide either your approval or charges Thank You At the bottom of the e-mail it has XXXX XXXX XXXX Legal Assistant XXXX , XXXX , XXXX , XXXX , & XXXX XXXX , LPA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX ext XXXX XXXX THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPING TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BU UWS FOR THAT PURPOSE I need all of the following questions answer to determine whether this judgment order ( which is another form of a attempt to collect a debt ) is justified, 1. I was never given the opportunity to read this file titled Our File : XXXX please explain in detail what information is in this file?
2. Please send me a copy of all information in the file and any documentation associated with the file 3. Is the Judgment Entry that is confirming the sale for Ms. Jin to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either Third Federal, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , or XXXX XXXX . Who provided you with the information that is contained in the attached titled XXXX CE.doc and/or the information within the e-mail identified as Our File : XXXX
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| 06/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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ON XX/XX/21 AT XXXX MY WIFE AND I CLOSED ON THE PURCHASE OF A NEW HOME, THAT MORNING AFTER REALIZING WE WERE BEING CHARGED OVER {$3000.00} IN TITLE FEES WE CONTACTED THE TITLE COMPANY TO QUESTION THE FEES AND THEY HUNG UP ON US WITHOUT OFFERING ANY EXPLANATION. I THEN CONTACTED THE TITLE COMPPANY MANAGEMENT WHO TOLD ME THEY WERE VERY COMPETATIVE AND REFUSED TO DO ANYTHING ABOUT THEM OTHER THAN REMOVE AN {$80.00} DOLLAR WIRE FEE ( THEY ARE CHARGING US FOR WIRING FUNDS THAT THEY REQUIRED, THEY WOULD NOT ALLOW A CASHIERS CHECK ) THEY DIDN'T EVEN DO THAT. I TRIED TO EXPLAIN THAT ALL THE TITLE FEES THEY WERE CHARGING US WERE DISCLOSED BY OUR LENDER AS NOT BEING BILLED TO THE SELLER OR BUYER BUT RATHER BEING PAID BY SOME " OTHER '' PARTY & THEY ALSO TACKED ON {$6700.00} UNDISCLOSED PROPERTY TAX CHARGE. LEARNING ALL THIS HOURS BEFORE CLOSING AND BEING TOLD IF WE DIDN'T AGREE DON'T CLOSE DID NOT LEAVE US MUCH OF AN OPTION SINCE SO MANY OTHER OBLIGATIONS REVOLVED AROUND THIS CLOSING.OUR UNDERSTANDING OF THE DISCLOSURE REQUIRMENTS IS TO MAKE SURE THE BUYERS ARE NOT BEING CHARGED LAST MINUTE UNDISCLOSED FEES, IN THIS CASE {$10000.00} OF UNDISCLOSED FEES. WE CHOOSE TO PAY A HIGHER RATE FOR OUR MORTGAGE IN EXCHANGE FOR THE ELIMINATION OF CLOSING COSTS. WE CAN UNDERSTAND THE {$6700.00} TAX FEE BUT IT WOULD HAVE BEEN NICE TO BE TOLD THAT FURTHER IN ADVANCE. THE TAX FEE ASIDE WE DO NOT THINK ITS RIGHT TO TELL SOMEONE IN THE PRELIMINARY DISCLOSURE SOME " OTHER '' PARTY IS PAYING THESE FEES AND THEN FINDING OUT AT THE LAST MINUTE YOUR BEING REQUIRED TO PAY THESE FEES. IF THIS WERE A TRIVIAL AMOUNT OF {$50.00} OR {$100.00} WE WOULD NOT MAKE AN ISSUE OF IT, BUT ITS OVER {$3000.00}. IF THIS IS NOT AN EXAMPLE OF THE PURPOSE OF THE DISCLOSURE PROCESS I DON'T KNOW WHAT IS. WE ARE ASKING FOR A FULL REFUND OF ALL THE TITLE CHARGES WE PAID. PLEASE HELP XXXX AS NO ONE ELSE WILL LISTEN. THANK YOU, XXXX & XXXX XXXX
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| 05/17/2022 |
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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I applied for a mortgage with TFSL & was pre-approved for a XXXX mortgage with 15 % down and no PMI. The rate provided was 3.75 % with an annual adjustable rate beginning year 6 with cap of 2 %. I locked in this rate and signed all documents and the " intent to proceed ''. I am under contract to purchase a condo.
On XX/XX/13, I was notified by loan officer, XXXX XXXX, that the mortgage had been denied due a high debt-to-income ratio, which was over their 40 % limit. When I expressed confusion because my DTI was between 35-36 %, she said that because I was going with an ARM, the underwriters used the higher rate it might be 5 years from now ( 5.75 % ) to qualify me. Further, they disqualified me with an incorrect salary amount, then disqualified me a second time with the correct amount.
Nowhere in any of the paperwork I signed, including the loan disclosure, was there any mention of not qualifying me at the locked-in rate of 3.75 %. I fully believe I was " disqualified '' because between the time of lock-in and underwriting, interest rates climbed substantially, the bank did not want to finance my loan at the cheap rate, and this ruse was the only way to disqualify me since I have a high credit score, literally no debt as my cards are paid off monthly, a 15 % downpayment and substantial liquid reserves. This is further supported by the bank not presenting ANY option to keep the 3.75 % rate, including putting down a higher down payment to bring down the DTI, which I have the funds to do.
I turned down other then-competitive offers because TSFL offered a lower interest rate with no PMI, then disqualified me with a hidden interest rate I knew nothing about. TSFL 's opaque and deceptive practices have cost me real damages in time and, if this purchase deal now holds up through the financing delay they've caused, will now cost me substantial monthly costs due to rate increases.
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| 01/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2022, my husband and I applied for a mortgage loan with Third Federal Savings and Loan. We wanted to obtain a pre-approval to begin shopping for our new home. Initially we tried using the online application, yet it was confusing as it require the applicant to enter the address of the home you want to finance. We would not know that information, thus, requesting a pre-approval to locate a home within our budget. We then called the Third Federal Savings and Loan location at XXXX XXXX XXXX, XXXX OH and spoke with XXXX. I told her that I was looking for a home in several nearby school districts. Via the phone, XXXX took our pre-approval application over the phone. She called us back the same day and spoke with my husband to state that our application was denied due to my husbands credit score and my DTI was high. On XX/XX/2022, I reached out to XXXX to gather more information about the credit decision and she stated that my DTI was high and I would not be qualified for the loan amount that I initially requested, which was {$450000.00}. I asked her how much I could pre-qualify for and she responded that I would not be able to afford what I am looking for in the school districts that I mentioned when the application was taken. XXXX then stated maybe {$800.00} a month and I dont know when I asked about the loan amount. She brushed me off. In addition, XXXX stated that anyone with credit scores less than XXXX will have pmi added to their mortgage loan. Knowing our race and ethnicity via the XXXX questions and age based on the application, XXXX became unprofessional on her communication of the credit decision and guidance for next steps and possible options. My ask is to ensure the credit application was decisioned properly and support of the credit decision is evident.
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| 03/30/2017 |
Yes |
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- Settlement process and costs
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Web |
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XXXX XXXX Third Federal i n XXXX , oh presented a mortgage program called Home Today and they hire third party to come and teach the class who are scams to me. I went and wanted to know what this program was all about. I was not disappointed by any means. So, I went to the program a month which was every Tuesday at from XXXX to about XXXX and it was a joke ; yes they gave us food what a joke. But the pathetic part was when I went to counseling session with XXXX XXXX with this program called XXXX and it was a joke the place was filthy and smelled and the lady would wonder in late telling me about her personal life her grand is sick. Okay, but that was not my concern and every time she had a scheme going on. Oh if you go to this bank and put in a XXXX dollars to build my credit and take it out in two or three da ys but she did not tell me the full truth. I take it out but I would have to pay on the money I put in. How insane was that. Then she wanted me to try this guy okay gave it a shot he was a joke. He wanted me to give him my bank statement and have a conference call with student loan. At this point it became clear he was a wannabee. He wanted me to call the student loan so he could have a conference call and it was not happening. I told him if the she the manager does not believe you it 's useless. I XXXX at XXXX and told her I do n't trust him. I had to call XXXX XXXX at third federal and tried to explain to her obviously she did not care and thought what this XXXX valentine has sad was true. This program is a farce and should not continue to go on. They denied one because I did not go with whatever they told me and they wanted me to be used as a simpleton or a puppet on a string.
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| 08/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX I was pre-approved by Third Federal Savings and Loan Association of Cleveland for a house purchase that ended up not working out due to circumstances outside of the loan process.
After some more house hunting, I went to re-apply for a pre-approval from Third Federal Savings and Loan Association of Cleveland on approximately XX/XX/XXXX
A letter of Denial was sent out on XX/XX/XXXX saying my credit was inadequate. I was confused on some of the wording of my credit score. I spoke to a representative at Third Federal and was told " Not to worry about it '' and that she saw " A different number '' on her report. According to her, this letter was sent out by mistake.
Approximately two weeks later, on XX/XX/XXXX, I began to become concerned because of the lack of communication after the last conversation. I called the representative back and was told by one of her colleagues that the denial was actually valid. The representative I spoke to originally was out that day.
I called back the next day in the morning on XX/XX/XXXX and spoke with the original representative. She stated that the denial was valid, but had me forward a direct pull I received from XXXX XXXX and she would " Talk to her manager and see what she could do ''.
I called back once more in the afternoon ofXX/XX/XXXX and asked to speak with the original representative. She was at lunch, so I asked to speak with her manager. After some clarification on the verbage of the denial letter, I was again told the denial was valid and final. I asked why I was told two weeks ago " not to worry '' by the representative while during that time I could be pursuing a loan from a different entity and an answer could not be given.
|
| 07/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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I recently learned why this year 's XXXX XXXX XXXX annual premium jumped from an accepted premium of {$2100.00} ( XX/XX/XXXX ) to {$2300.00} ( XX/XX/XXXX ). According to the XXXX representative, on XX/XX/XXXX, they mentioned that my mortgagee, Third federal Savings Bank, called XXXX on XX/XX/XXXX and said that our single-family home insurance should be an HO6 policy! Also, interestingly XXXX claimed that no changes can take place unless they first speak with the mortgagor.
XXXX is the agency that found XXXX for me after I learned that my previous insurer, XXXX, of 2 years increased my annual premium by {$800.00} est ; Previously, our initial insurer, XXXX XXXX annual premium increased from {$600.00} est to $ XXXX. No reason for the tremendous rate increases because no claims have been paid to me by any of the home insurers. I have been associated with XXXX agency for over 20 years and they have found me my home insurer providers. Please investigate this financial harm attempt ; I feel that this is another example that our XXXX has attempted to again cause me financial harm; Please refer to the previously filed complaint about Third Federal not honoring the XXXX loan modification at the end of our last approved forbearance. Also, XXXX is the third home insurance company I have had at our current 19+ year residence. Please investigate if my home insurance premium has increased because of my mortgagees interference. XXXX XXXX should be helpful, because they have my insurance records of the harsh premium increases that forced me to apply and switch to new insurers. Your help in this situation will be appreciated.
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I want to report an incorrect transaction done at the local branch o f Third Federal on XX/XX/XXXX . My I R A CD has matured so I requested it closed and the funds to be deposited into my IRA Savings account. The teller seemed to be having major difficulties with this transaction by initially treating it as a regular CD ; this in itself speaks volumes. Finally all said and done, the IRA CD is closed and the funds are moved to the Savings IRA account, only this transaction was entered as a Distribution rather than a Rollover. My pleas were largely ignored and the teller kept on saying that since I made a withdrawal, this is a distribution, period. I was even asked whether I wanted the taxes withheld. Apparently this teller is n't very knowledgeable about the I RA Rollovers. Ac cording to the IR S 60-day rule, if I take funds from one IRA account and deposit into another IRA account, this is a Non-Taxable IRA Rollover, providing I do so within 60 days. In my case, it was a matter of a few minutes, yet the transaction was erroneously entered as a Distribution. Now I am on my own to try and prove the opposite to the IRS ; I believe the fees start at {$500.00}. This is n't fair.
In the past, I 've done a few rollovers, and never a problem up until now.
I am asking you to please step in and help correcting this mistake. I am requesting the status of the transaction to be changed from distribution to Rollover in accordance with the IRS 60-day rule. I did email the bank but have n't heard back from them.
Thank you.
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XX/XX/2019 it was brought to my attention that my mortgage ( Third Federal Savings and Loan ) was late every month. I then actively started to monitor and dispute these inaccuracies in payment dates and late reporting. To date I have worked with the three credit bureaus and Third Federal to correct these items that were reported wrong. In the process the company Third Federal continued to report payments late ex : XXXX and XXXX I received alerts that these were late.
I have had 8 corrections already and it is becoming exhaustive with XXXX care and work. I have spent hours researching and trying to resolve these issues in the middle of handling parents, sickness and death. I am unsure why this institution is unable to provide proper reporting but I don't have the strength or time to continue to hunt and track down their inaccuracies. I have purchased cars and applied for credit that these inaccurate reporting 's have had immense impact on.
In this fight with Third Federal 's inaccurate reporting I have been able to raise my credit score over 130 points from disputing and them correcting their errors.
Additionally Third Federal reports to each credit bureau different information each month ( some reports show late and some show not late for the same month ).
Third Federals letter to me indicating that they have sent corrections to all bureaus ( for a few of the errors that I went directly to them ) and that they apologize for any inconvenience is insulting as the " inconvenience '' is both financial and almost irreparable
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I'm writing you today regarding my mortgage loan held through Third Federal Savings Bank. The mortgage balance {$9800.00}.
I was behind on my mortgage and received a summons for court dated XX/XX/XXXX.
I summitted a letter to the court XX/XX/XXXX.
I received a statement from Third Federal XX/XX/XXXX Advising me to pay {$5300.00} by XXXX XXXX. This amount was paid on XX/XX/XXXX. To reinstate my mortgage.
I confirmed with the staff that the payment was made once again confirming that my mortgage was reinstated and current.
However I was told that I still owed attorney fees and court costs of {$4500.00}. I asked why since this never went to court.
The amounts they wanted could have paid off my mortgage in full {$9800.00}.
The mortgage payment includes escrow which was never offered to me to include in the modification that I did in XXXX.
Today XX/XX/XXXX th is the anniversary of my husbands passing suddenly at work at XXXX. As a widow I'm trying to do the right thing by working XXXX jobs however my other job wasn't putting me on the schedule leaving me with only the XXXX job.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the summer there is not a job for me there not being out on a schedule at my second job created many hardships.
With the State of Ohio the maximum fee is {$3400.00} and that is for a completed foreclosure.
I have sent XXXX letters one to the bank, attorney, and the CFPB Facing this has lead to stress and health issues but I still go to work.
|
| 09/23/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
on XX/XX/2020 I spoke with loan agent NMLS # XXXX. We discussed general refinance qualification criteria including DTI ratios. She did not disclose a requirement of DTI 36 %. The number she mentioned was 45 % per my notes. She did not disclose their new income criteria requirements that have changed due to covid. Would I have known these requirements, I would have not proceeded with an application and letting her run our credit inquiries. Through their underwriting process, they determined our DTI was well above 36 % thus, declining our application. I spoke with a different agent on XX/XX/2020 by the name of XXXX and she indicated a DTI requirement of 36 % - 40 %. I proceeded to escalate this to a manager with NMLS ID # XXXX who again provided me a different DTI ration requirement of 36 %. I requested transcripts of the calls to verify the agents prior communications and the manager with ID # XXXX indicated they did not have the ability to record voice on their recordings. I asked whether this was not a violation of their policy to record all phone calls and she refused to take accountability and insisted they had no ability to record calls with voice. There should be consequences for such unethical business practices where they practice this 'bait and switch ' scheme. If agents are rated on number of applications submitted I can understand why they will lie in order to get consumers to apply not caring entirely whether an application is approved or declined. Please bring this to their attention.
|
| 12/04/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2009, a HELOC Mortgage was completed with Third Federal Savings and Loan Association of Cleveland.
and loan payments began, Third Federal received over payments intended to be payments against the principal balance. Instead of applying the payments, Third Federal, changed the description of the over payment to interest and kept the overpaid amount.
Frequently throughout the loan double payments were made per month. Third Federal failed to apply the payments were they were received. Instead, the payments were held until the payment date and then applied against the loan.
After the ten-year borrowing phase, the loan went into the repayment phase. Third Federal without any notice increased the amount of the payment required per month to {$2800.00} per month from {$650.00}.
The lender was contacted after receiving a call from the collections department. Also spoke with customer service to find out what happen to the Notice and found it was sent to a wrong address.
A call was placed to customer service explaining that payments could be made if the amount of the payment could be modified to between {$1000.00} to {$1500.00} per month. No response was received from Third Federal. Instead, foreclosure proceeding were started by Third Federal.
A modification was requested again and there has been no response from Third Federal. Third Federal is returning payments made against the loan and reporting to the credit bureau that the payment has not been made.
|
| 07/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
Third Federal- XXXX XXXX XXXX XXXX , Ohio XXXX -opened an equity line of credit on my home which resulted in a first lien being placed on my home. I had no knowledge of the account until XX/XX/2019 when I had a second mortgage opened through my bank. I contacted Third Federal and they told me I had a credit limit equity line of {$21000.00}. I explained to them I did not want an equity line of credit with them and to close the account. I explained that I have never used the credit line ( which each monthly statement shows a XXXX balance and XXXX available credit ).
Every month Third Federal sends me a bill with the same information. A XXXX balance, available credit, and payment due. I have requested multiple times to close the account and have the lien removed off my home and each time they have me submit different documents and speak with a representative but someone it is not closed out.
This month they sent me another bill ( attached below ) and I contacted them again to explain the situation as I have done monthly since XXXX. /a very rude woman assisted me and told me that there is nothing they will do about the fraudulent account and the fraudulent lien on my home. I asked to speak with a supervisor and she told me no one could help me. I contacted my attorney and she explained that I need to file a formal complaint and sent me the proper links to do so.
|
| 07/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My compliant is against Third Federal Loan and savings, account # XXXX. I disputed with this company a wrong payment that they included in my reports. The letter was sent XX/XX/2019 and this company failure to mark my account as disputed, failure to dispute my account, breach my contract by reporting wrong information, failure to provide notice of late payment and the list of violations goes on. They have on my reports a 30-day late payment for an estimated amount of {$40.00} that they say they receive that adjustable payment. I receive a phone call from them and I paid them by the phone the amount that they were requesting. Not only did they place the late payment ( even though it was pay ) but they reported it in the month of XXXX instead of XXXX. Im attaching here the letter I sent back on the XXXX of XXXX with a copy of an SC-100 that will filed through the secretary of state of California since they dont have a serving agent in California even though they make business here. Im respectfully requesting you as a loyal costumer that I have been with you to remove late payment from all 3 reports as soon as possible. In the event that this does not happen legal actions would be taken here. I dont want a XXXX from XXXX XXXX I just want them to fix their error as soon as possible because its affecting my finances. Thank you!
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We applied for a refinance on XXXX XXXX with Third Federal. We entered the date that we requested to close on the refinance for XXXX XXXX. We submitted additional documents after the initial application and Third Federal did not communicate that they were not able to close by XXXX XXXX. Our credit was pulled, we submitted w-2s, bank statements and tax statements at a later time than the XX/XX/XXXX. At no time did they include or disclose that we would not be able to close on the date requested. We contacted them the week of the XX/XX/XXXX to find out the status and a date for closing. We were told that it would be 4 months possibly more depending on underwriting. XXXX XXXX with the XXXX office told me on Tuesday XX/XX/XXXX that half of the application had not been reviewed. I asked if anyone was going to contact us to let us know that we were not closing on the date asked and she said no why would we. An appraisal was done on the property and would not have been done, and an extra pull on our credit. Third Federal was not clear about their business practices and let us think that we could pick the date to close by posting it on the application. They also did not provide a rate lock and have no idea what the rate could be in 4+ months. It was very misleading and a misrepresentation of their process.
|
| 01/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was in a XXXX XXXX Bankruptcy for 5 years. My Bankruptcy was XXXX on XX/XX/XXXX. I satisfied all my delinquent payments with Third Federal. I called Third Federal toward the beginning of XX/XX/XXXX ( I cant remember the exact date ), to request online access to start making my mortgage payments. The representative stated that I would not be able to have online access to my account due to my bankruptcy. I explained that my bankruptcy has been XXXX. She explained that because I had a bankruptcy I would never be able to access my account online, and that it was Third Federals policy.
I can understand not being able to have access to your account online while in an ACTIVE bankruptcy, but I don't understand why I wouldn't be able to have access after it has XXXX.
This practice is bias and prejudice. I completed my bankruptcy, I am current on my payments. I should be afforded the same conveniences as other customers. Third Federal should not be permitted to make it harder for me to make my payments. I should not be forced to go into a branch, especially during a pandemic, or use a break or my lunch at work, to make a call. I should be able to pay my mortgage online like I pay all my other bills. I should not be discriminated against because I fell on hard times and had to file a bankruptcy.
|
| 03/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I would like for CFPB to publish my complaint, so that others in in my position would not have to incur the frustration and stress that I 've had to endure. My complaint is with Third Federal Bank. I am a XXXX XXXX year old women, with COPD. I 've have been trying to work with Third Federal Bank work with me to modify my mortgage. I was denied because I no longer bring the same income as I did when I was working.
My first modification my mother was allow to assist me with money per month to add to to help with my income. But when my mother took ill her self, I went back into the hospital. I attempted to get another modification based on my income alone, seeing as though my mortgage was over have of my monthly income. I gave them all the information, they asked for and told them my mother was willing to to help me still monthly. I was told no, I did n't make enough money and that I needed, to just let my home go and look into a XXXX XXXX place. I have owned my home and have tried everything to hold on to it, for 14 years. I fear I 'm being pushed out of my home, I was told it was too late to too late to save it because. it went into foreclosure XXXX, XXXX 2016. Now I have no place to go, with XXXX 24hrs. a day, on a fixed income. Please Help ... ..
|
| 02/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
in XX/XX/XXXX my mortgage holder third federal savings and loan XXXX fl. misread a letter from my home insurance provider XXXX XXXX and thought my insurance had been cancelled. after going back and forth between bank and my insurance agent XXXX XXXX XXXX fl.i presumed it had been handled as we sent duplicates of all paperwork and checked addresses were correct.i went north on vacation the end of XX/XX/XXXX received no further communication from third federal savings and loan until i noticed in XX/XX/XXXX that they took an extra {$400.00} out for my mortgage payment i returned to bank and after numerous visits found out they had drained my escrow account first before they started taking it out of my checking acct. since i am not a expert on escrow accts the amount they took out is confusing to the best of my knowledge it is between {$2000.00} and {$2800.00}. i have gotten a letter from the insurance department of third federal savings and loan on XX/XX/XXXX admitting their mistake and telling me i will receive full reimbursement to date after numerous trips and talks to bank officials it seems i am being stonewalled they owe me thousands of dollars and are not keeping their promise to repay me please help thank-you
|
| 02/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
XXXX Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from Third Federal Savings ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call XXXX Opt Out at XXXX or write.
First - Third Federal Savings regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on XXXX, which was NOT requested or applied for. Totally inappropriate.
Second - trying to opt via XXXX is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc.
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. XXXX 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want XXXX collecting, or reporting any of my financial history.
|
| 05/20/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have an HELOC account with Third Federal with a balance of {$190000.00} as of XX/XX/2023. My monthly payments fluctuate and have been increasing because the interest rate is not fixed and has been increasing. The last payment due for XX/XX/2023 was {$1300.00}.
I applied for a new {$190000.00} loan to replace the current loan with a XXXX XXXX on XX/XX/2023. The monthly payments for the first five years would be reduced to {$1200.00}, and there would be no closing fee because of my existing loan with Third Federal.
On XX/XX/2023, I was told that my new loan application was declined because I dont make enough money to pay the new loan. I requested the loan officer and a manager from Third Federal to reconsider my application. I was told that if I were to lower my monthly payment, I could only do it by extending my current loan.
The reason that Third Federal gave for declining my new loan application does not make sense to me. If I can afford to pay {$1300.00} per month on my current income, I can afford to pay {$1200.00}, which is almost {$100.00} less, each month. I believe Third Federals rejection of my application was unjustified and discriminatory.
|
| 03/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Account : THIRD FEDERAL S & L ASS # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the Third Federal placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the Third Federal, XXXX XXXX XXXX XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of Third Federal, XXXX XXXX XXXX as XXXX has " DELETED/BLOCKED '' the account as required BY LAW ( FCRA 605B Attached ).
Third Federal will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss!
XXXX and XXXX will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX for XXXX XXXX dollars for this " negligence ''!
I have attached CURRENT LAW SUIT for the party involved, Identity Theft Report from FTC, Current Credit Reports that show I have EXECELLENT CERDIT HISTORY on all 3 agencies.
|
| 06/07/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Sirs, I have a HELOC account with ThirdFederal Savings & Loan. I have setup monthly payment thru signed documents for the regular and specific principle payments. This should satisfy the regular payment obligations with this loan account.
Every time I make any additional payments online [ thru ThirdFederal site ], I choose the option for applying the additional payment amount towards PRINCIPLE ONLY [ Two options are there - Regular or Principle ]. However, every such additional payments are being processed in such a way that part of the amount is taken to Regular/Interest payment First and what is left is considered towards Principle. Contacted ThirdFederal on this and I was told that there is disclaimer at the online payment screen indicating this process and what they do is legal.
Could you please help me with the following : 1. Is it legal to disregard Principle only payment instructions and use the money in a way consumer did not request for?
2. Who can help to get this process changed so that Principle only payments and Regular payment options are treated the way consumer is requesting.
Thanks Consumer
|
| 01/30/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a HELOC with Third Federal Savings & Loan. My required flood insurance with XXXX renews every XX/XX/XXXX. Third Federal issues me a Notice of Flood Insurance Requirement on XX/XX/XXXX stating my flood policy has lapsed. They state I have 45 days from the date of the letter to rectify or be charged by them for a policy. They immediately charge me {$67.00} on XX/XX/XXXX. I provided my policy showing no lapse in coverage ( old policy XX/XX/XXXX-XX/XX/XXXX new policy XX/XX/XXXX-XX/XX/XXXX ) via their online portal. I also have XXXX sent copies of the policy. I call their XXXX number to verify but they still insist my coverage lapsed from XX/XX/XXXX-XX/XX/XXXX. I resend the policys, I have XXXX resend the policies, no luck. I go into a local branch in XXXX FL and show the representative the policies. She forwards the copies to their main office and then calls them. They STILL think I should be charged the {$67.00} even with all the documentation. They also see nothing wrong with breaking the law ( or even following their own verbiage in their letter ) and not waiting 45 days after XX/XX/XXXX before charging me.
|
| 11/02/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
THIRD FEDERAL SAVINGS & LOAN IS SERVICING THE SOLAR PANEL LOAN. I WAS TOLD THE SOLAR PANELS WOULD BE PAID THROUGH MY LOAN, WHICH IS NOT THE CASE. I WANT TO PAY THE LOAN OFF AND HAVE ASKED FOR THE PAYOFF DEMAND NUMEROUS TIMES. SINCE I WAS UNABLE TO OBTAIN A PAYOFF DEMAND FROM MY LENDER DIRECTLY I ASKED FOR ASSISTANCE FROM THE THIRD PARTY REFINANCING MY HOME TO PAY THIS LOAN OFF. MY THIRD PARTY IS GOING THROUGH THE SAME THING I WENT THROUGH AND THAT IS THAT THE SERVICER IS REFUSING TO SEND OR PROVIDE US WITH THE PAYOFF AMOUNT. I HAVE ASKED FOR THE PAYOFF DEMAND TO BE SENT TO ME VIA US MAIL, FAX AND EMAIL AND NONE OF THESE METHODS HAS WORKED FOR THE LENDER AS I AM YET TO RECEIVE MY PAYOFF DEMAND.
THEY PLACED A SALE DATE OF XX/XX/2022 AND ARE AWARE I HAVE THE LOAN APPROVED AND SIMPLY NEED A PAYOFF DEMAND. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED. ATTACHED IS PROOF WE HAVE ASKED FOR PAYOFF DEMANDS AND CONTINUE TO WAIT FOR THE DEMANDS. THE PAYOFF DEMANDS HAVE BEEN REQUESTED IN WRITING AND NOTHING HAS BEEN PROVIDED AS OF YET.
|
| 09/01/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Opened a Third Federal Savings & Loan HELOC and drew down a balance in XX/XX/XXXX. Set payments on Autopay via their website which ran fine for six months until I received a call from their Collections department in mid-XXXX saying I underpaid my loan payment. Tried to pay online but was unable to do so from their website, online payment was blocked and their website notified me to call Customer Service. Was assessed a late fee even though I was unable to pay online.
Called back on XX/XX/XXXX and was notified that AutoPay service can only be for a fixed amount every month and I need to monitor my statement and cancel AutoPay every time the payment amount changes, which is monthly now with changes to the Prime rate and a variable rate loan, and setup a new AutoPay service. Every other Financial Institution I have worked with has an AutoPay for the minimum payment amount due however Third Federal refuses to provide that option. Appears to be a scheme to generate late fee charges on customer accounts.
|
| 01/30/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I took out a HELOC with Third Federal in 2006. Along with the loan I received a brochure that states Lowest Rate Guaranteed For The Life Of The Line, you get either a rate adjustment or {$500.00} if they dont match it. It also states If you ever find a lower rate, a year from now, or even ten years from now, we will beat it, or give you {$500.00}. My HELOC is Prime - .51 %. Third Federal currently offers HELOCs at Prime - 1.01 %. I submitted a rate adjustment online and the response was I would have to apply for the loan. I talked to the local office in XXXX FL and made the request and was told its only for when I first get the loan ( even though I pointed out it says for the LIFE of the loan and gave an example of guaranteeing it even 10 years later ). The brochure states To receive a competitive rate adjustment, either fax or deliver to your local Third Fedral branch or Customer Service department, a copy of the competitive product advertisement. Ive done both with no satisfaction.
|
| 05/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We started a loan application with Third Federal on XX/XX/XXXX they did not provide their XXXX until XX/XX/XXXX, failing to comply with disclosures by day 3.
Throughout the process, certain information has been shared that would be within Third Federal 's underwriting guidelines since they don't follow XXXX or XXXX, their team including their XXXX XXXX, didn't seem to know those guidelines, which at this point now have caused us to try to shop with another lender and rates have increase by at least XXXX to XXXX since we started this application.
Their management has been unresponsive, I have tried to submit complaints but no response from their compliance team.
on XX/XX/XXXX a new borrower was added since they didn't provide certain information about qualifying and as of today as of XX/XX/XXXX a revised or new XXXX wasn't sent out. This is causing monetary losses as well as potential fallback with the sellers of the house we are looking to buy. Asking the CFPB to step in.
|
| 04/03/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
My wife, a resident of the state of Kentucky applied for a mortgage from Third Federal Savings and Loan. Since the house is her premarital asset, with the existing mortgage and title only in her name she applied for the loan with her resources and credit only.
When the day came to close, I was informed that I had to accompany her to release dower ( since Kentucky is a dower state ). However, there was no reference to dower and my name in the definitions and signature blocks indicated I was the borrower joint and several with her.
Since I was not assuming her debt and only releasing her dower right, I informed the lender that the forms were wrong or they fraudulently misrepresented the loan to my wife, who as now delayed over 60 days to seek another lender. We were also informed by the 'ender 's agent XXXX XXXX that they would not change any documents or terms.
This was both fraud in the inducement and a violation of the notice regarding the fair lending act,
|
| 02/12/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a TAX document. Third Federal Stated my house was taken due to a foreclosure.
Please explain why on the IRS form 1099 Box 6 = Identifiable Event Code G was put in box G per the instructions for Debtor located on the back of the form corresponds to Decision of policy to discontinue collections PLEASE EXPLAIN WHY OPTION D Foreclosure Election was not selected.
My credit report indicates the debt is due to a foreclosure and has been placed on my credit report.
On XX/XX/XXXX XXXX I received a letter from Third Federal stating the information ( foreclosure ) is correct.
This is contradicting and would be a falsification of information.
Given these are tax documentation which are supplied to the federal government, is reporting information in this contradicting manner LAWFUL Third Federal Please Explain.
How can you state in box 6 a foreclosure is not selected yet post I owe money for a foreclosure on my credit report?
|
| 04/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX, we were informed by Third Federal personnel that we had been denied for our mortgage refinance. They cited our income to debt ratios and the loan to value ratios were too high. Below is the email we received when we asked them to explain exactly what their ratios were.
" Currently we require our debt to income ratios to be 28 % ( housing ) /36 % ( housing and all other debt ) Youre ratios were at XXXX Also, the loan to value needs to be at 70 % or below, you are currently at 80.9 %. '' We feel we were grossly mislead by Third Federal. Had they disclosed their requirements upfront, we would have sought another lender. We've never heard of requiring a 70 % loan to value from any lender. We have wasted valuable time ( we first applied on XX/XX/XXXX ) pursuing an application for refinance with them and were lured in with the promise of a " low cost loan '' for only {$290.00} in closing costs.
|
| 03/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am XXXX. I have XXXX children and a XXXX wife. Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX filed bankruptcy and did something to my property. I escalated to HUD, and HUD asked me to contact FTC to file IDTheft, and also HUD asked me to contact the Federal Reserve with a reference number XXXX. Federal reserve directed me to consumer finance as Third Federal is associated with Consumer Finance.
My home is under protection because of my case against XXXX. Third Federal Savings and Loan located at XXXX XXXX XXXX, XXXX, OH XXXX has provided me a six-month forbearance of no payment from XX/XX/XXXX thru XXXX XXXX, and I receive Third federal statement every month. Now, Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX did something to my property Every minute we are worried about our home and my children can not focus on studies. Please help us recover my home.
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
my wife and i were pre approved for a conventional loan through 3rd federal savings and loan with a 5.84 % interest rate good through XX/XX/XXXX XXXX we signed our offer to purchase on XX/XX/XXXX. On XX/XX/XXXX we were told by 3rd federal our interest rate had gone up to 6.79 % When I asked, " why it was going up? ", I was told it was because we had to be pre approved again due to a previous contract being cancelled on another home purchase agreement. I was not informed at the time of cancellation that we would have to be pre approved again. The bank instead let us continue to look for homes, and sign a new agreement to purchase for the house we are currently under contract with, before letting us know we would have to be pre approved again, and our old interest rate would no longer be valid. This occurred nearly 2 full weeks after we had signed our new agreement.
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
I requested my credit be permanently unfrozen with XXXX and XXXX on XX/XX/2021. Third Federal Savings and Loan is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact XXXX and XXXX by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.
|
| 05/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
we refinanced a mortgage with Third Federal in 2009. All payments made in full, never later up until we paid off early on XXXX XXXX. We were told to expect escrow refund approx.
{$1600.00} with XXXX to 10 days before end of month. Have been calling since XXXX and were told stop pay would be issued and new check sent because we only received statement showing XXXX XXXX but no check. Have made over dozen calls, on hold for hours but no one will confirm that " lost check '' has been reissued. Can not fathom how a statement can be sent stating account is CLOSEDOUT if refund has not been issued. They keep putting me on hold to confer with " other depts. '' I am doubtful that any check was ever even issued for this refund and do not understand why this was not handled when loan was paid off in full on XXXX XXXX.
|
| 09/22/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Third Federal is engaging in unfair or deceptive acts and practices. The company mislead me regarding a home equity line of credit. Third Federal misled me and continued to ask for documentation above normal lending requirements, which caused substantial personal injury. I was required to provide extraordinary documentation of my mailing address ( a po box ). This is a very common situation that any reasonable lender has handled in the past with no issue ( I have refinanced the same loan multiple times ). XXXX XXXX has guidelines for this situation which were not followed by Third Federal. The documentation I provided was reasonable and verified lending requirements peXXXX XXXX XXXX guidelines. However, Third Federal unfairly denied my application for credit because my mailing address is a po box XXXX
|
| 09/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My wife and I applied for a mortgage of {$540000.00} with third federal savings and loan located in plantation, fl. We were denied a loan they said due to lack of income and a short sale on my wifes record from 2010.
XXXX. Our combined income is {$160000.00}. Our liquid assets which include bank accounts, retirement accounts, and stocks total around {$150000.00}.
XXXX. Prior to our marriage, my wife had a short sale that closed in 2010, and that is currently not on any of her credit reports. We asked the underwriter where they got the information from, and they didnt respond.
We believe that we were discriminated against by third federal, because we have more than enough income, our debt to income ratio is great, and the short sale was over 11 years ago.
Please investigate, and fix this situation.
|
| 03/13/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XX/XX/XXXX I submitted check # XXXX from my XXXX checking account to Third Federal Savings & Loan of XXXX OH for {$200.00}. In early XX/XX/XXXX I satisfied and closed all accounts with XXXX XXXX.
In XX/XX/XXXX I discovered {$200.00} missing from my XXXX checking account. After spending considerable time tracing to find the source I called Third Federal and learned they had issued a duplicate check and charged my account. Third Federal committed to sending me a letter explaining how this had happened however in spite of my numerous calls I have received no such explanation from them.
As this constitutes an act of theft I respectfully request your assistance in holding Third Federal accountable for their actions and for them to submit to me a written statement acknowledging same.
|
| 03/05/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I received a " demand '' letter on my 2nd mortgage with Third Federal, giving me 35 days to pay them {$50000.00}. This mortgage had been " written off '' supposedly as I was a casualty of the Great Recession having lost my full-time job in 2009. I was unable to send them the {$50.00} per month payment for the last several years as I was also carring for my adult son who is on social security XXXX. This letter came out of the blue as the first mortgage is current. I recently got a full-time job which is a miracle as I am XXXX years old and receive social security. I certainly can not pay the balance off. Third Federal refuses to return my calls. I make too much to qualify for help from Legal Aid but am unable to afford an attorney.
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a Mortgage account that is showing me 30-60days or more late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). was allowing for consumer protection under the CARES act in which the creditors are allowed offering accommodations. I have on my THIRD FEDERAL SAVING XXXX # XXXX account showing XXXX, XXXX date XXXX, XXXX, XXXX, XXXX are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
|
| 04/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We were quoted a figure of {$430.00} for title charges on the original estimate of costs, and on the final closing cost form, but when the title company contacted us to close the loan, the fee for title charges was {$1400.00}. When we asked about this, we were told that they had quoted the {$430.00} because they expected us to get some sort of credit which they figured out we were not eligible for after they sent us the final closing cost form. So we basically had to come up with an {$1100.00} to close the loan the day before the signing. This feels like a bait and switch, but with the closing happening, we didn't feel we had a choice but to pay it.
|
| 08/24/2020 |
Yes |
- Mortgage
- Reverse mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I was denied a loan by Third Federal stating " income insufficient for amount of credit requested ''. I've consistently been working since 2012 as a doctor and have several homes paid off. The XXXX loan I requested was on a home that is also 100 % paid off, and my average annual salary is likely right around XXXX or more. There is no reason why I should not qualify for the loan. Cash on hand is XXXX bank account, XXXX in stocks. I only have 1 mortgage of XXXX on a home rented for XXXX monthly. I believe there is likely some discrimination going on, just follow the money and you will clearly see this makes absolutely no sense.
|
| 03/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I applied to Third Federalfor a mortgage refinance and HELOC in XXXX and they were approved but I haven't been able to close yet. Apparently Third Federal says they sent 3 requests to XXXX XXXX for payoff amounts but XXXX XXXX says they haven't received any payoff requests. So I applied in XX/XX/2019 and was approved but 4 months later no closing. The last email I received from my loan officer stated she would get her management team involved ( with grammar errors ). She said she thought that the title company should have contacted me even though in previous emails she said the problem was we don't have payoff amounts.
|
| 09/19/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
My husband and I completed payments and had a Chapter XXXX discharged back in 2014. Two years after the discharge we refinanced and paid off our first with XXXX XXXX XXXX and our XXXX with Third Federal, neither were included in the Chapter XXXX and they were paid in full. However in the payoff statement Third Federal included " other fees {$640.00} ''. When I called to ask what the other fees were, I was told by Third Federal that these were lawyer fees, because they had to retain a lawyer when I filed Chapter XXXX, even though their loan balance was not included in the Ch XXXX. Can they do that?
|
| 09/19/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Third Federal bank reported a very small amount of {$5.00} 30 days late when payment was made exactly 30 days after the initial payment was due. I made a payment of {$320.00} on an estimate of rising interest rates, when the statement was later received, it was already too late to adjust the outgoing payment, so I added on additional funds to the next months payment to cover it understanding that it would simply cover the missing amount. The company has offered no remedy or leeway. I have never been late paying this bank or any bank for that matter and they have refused to offer a grace period.
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We sold our home. Paid off the loan. The bank continued to withdraw funds in the amount of the monthly payment AFTER the loan was paid in full. We caught the error when the withdraw was merely pending and notified the bank of the error. The bank refused to stop the withdraw. We asked them to return the charges. The bank refused and said they would send a check. It has been several weeks and the bank has been unresponsive to emails and phone calls have been unhelpful. It seems they intend to keep our extra payment. I don't understand how they can do this. The bank is Third Federal in XXXX.
|
| 07/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been attempting to get on the forebarance plan with Third Federal. They offered me three options. With 2 options my credit would be negatively impacted, with the third, they would accrue interest during the forbearance plan, which directly violates the CARES act. I have recorded my conversations with the bank as well, for proof.
I also was denied a modification. They ran my credit several times unnecessarily, so I am now in a worse position ( lower credit score ) due to the hit my credit score took ( because of their inquires ) They don't care about their clients.
|
| 09/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our forbearance with monthly agreed payments began XX/XX/XXXX and ended XX/XX/XXXX. We have not missed any agreed upon payments. Per agreement, we resumed regular monthly payments in XX/XX/XXXX. We had a loan modification approval in XX/XX/XXXX. However, the Mortgagee apparently ignored arrangements by recently making an 11th hour claim that we owe money since XXXX! We have not to date received any detailed proof of the varying figures claimed. We have lived at our residence for over 12 years.
Your assistance on this matter will be appreciated.
|
| 03/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I need tax documents from my deceased mother 's savings account and mortgage with Third Federal Savings & Loan I have been requesting these forms and provided all documentation they have requested since XX/XX/XXXX.
They refuse to provide these forms which are required by law to be provided. I need to file her income tax for last year and need this documentation.
It should be noted that I have closed two of her accounts with Third Federal so they are willing to give me her actual money, but refuse to provide the tax documents.
|
| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a conventional mortgage with Third Federal Savings and Loan. My application was denied. My loan officer was XXXX XXXX ( NMLS XXXX ) who called me to share this information with me and said the reason was because of a settlement that I made on a 2nd mortgage I did back in XX/XX/2013. When I asked XXXX if there was a time frame until I can reapply again she told me " Probably never again ''. I asked her to please send me a formal denial letter from management and one was never sent to me in writing.
|
| 03/02/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
1. Loan Denied, they said my debt to income ratio was too high. When I do the calculation I fall within their range. I showed them where a mistake was made and it was ignored. They would not give me any info on what figures they used for there calculations. The one mistake that I pointed out too them was, they added my insurance and taxes on top of my mortgage payment and those numbers were already included in the mortgage payment. I even mad an attempt to remove one of my debts and it was ignored.
|
| 12/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
My daughter an I applied for a mortgage with Third Federal Bank. We hold joint title to the property which she occupies as her primary residence. Third Federal was duly aware of the occupancy situation and that I did not reside at the residence. After subjecting us to the application process and collection of documents, they declined the mortgage based on the reasoning that I would not be residing at the residence ; clearly a fact that was made apparent when we first talked to them
|
| 01/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Online Third Federal Savings & Loan qualified me to submit a pre-approved mortgage loan with my low credit score under XXXX. I completed to online application and was contacted by their loan officer on XX/XX/XXXX for me to submit via fax a benefit of income verification letter from social security XXXX. On the same day I received in the mail a Statement of Credit Denial, Termination, of Change letter because my credit does not meet Product Guidelines.
|
| 11/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
PLEASE USE THIS COMPLAINT AS OPPOSED TO CASE NUMBER XXXX.
I added the word CONSUMER to the complaint question.
I would like Third Federal Saving and Loan to respond to this question ONLY I am a woman ( NOT AN ENTITY ) who participated in ***CONSUMER*** CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Consumer ID # XXXX on XXXX Report. My Accout was overdrawn at XXXX XXXX XXXX XXXX XXXX back in XXXX. Mortgage with XXXX XXXX and overdrawn account were both named in my Bankruptcy Filing of XX/XX/XXXX and discharged. Somehow a delay in reporting this debt ended up on XXXX though it was already resolved prior. I want it REMOVED IMMEDIATELY and in it's entirety like it never happened because it never should have happened to begin with.
|
| 01/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been sending the mortgage company document since XX/XX/XXXX and they are constantly asking for the same documents. I feel that they are giving me a hard time. I am trying to save my home so my family can a place live. I have send the same documents on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I just received another package asking for the same documents I sent in XXXX. I have sent the document to their attorneys and mitigation.
|
| 02/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I filed bankruptcy in 2006, it has recently been discharged and my mortgage company has stopped sending me statements. When I requested statements they said it 's there policy to no longer send statements to anyone who filed bankruptcy and did n't re-affirm their loan when they filed. Additionally, it 's too late to do anything now because it has been discharged and there is no way to get a statement from here on out. -
|
| 09/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Delays with the closing process
|
|
Web |
Servicemember |
|
My closing was scheduled for today. I was informed yesterday that the loan company failed to send over the documents needed and they completely quit communicating with me. I've frozen my credit file, but I'm legitimately scared I'm about to have my identity stolen or something, because to completely go no contact after the loan was approved and about to be signed and notarized, this is just so weird and scary.
|
| 03/12/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Completed a chapter XXXX bankruptcy in XXXX. have sent in XXXX payments since and requested a statement every month. No statements or correspondence. No year end XXXX interest statements either. I am concerned that this lender is doing this deliberately. Previous to this situation this lender took over for the original lender that closed.I am also concerned the balance owed is not right.
|
| 05/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have filed home scam case against Third Federal Savings and loan with CFPB, and others. I did not get home scam determination report from the government yet. HUD is saying something bad happened to my home and I should see a lawyer. Please investigate and provide me the actual report so I can refinance my home through HUD. Powerful and influential people are behind this home scam.
|
| 04/07/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied HELOC application on XX/XX/22. First decision made on XX/XX/22 was not capturing all my incomes so I requested 2nd review with additional documents they requested to included all income source I was claiming. Since then, they are delaying 2nd review even after multiple contact I made to their officer. Now they are not responding.
|
| 04/26/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I filed bankruptcy, and was discharged under chapter XXXX, XXXX yrs ago. At that time I reaffirmed both my mortgage and home equity loan, and have been paying as agreed. XXXX companies have refused to report my payments on my credit report. My report states-account closed due to chapter XXXX. This is hurting my credit score tremendously.
|
| 11/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I would like Third Federal Saving and Loan to respond this question ONLY I am a woman ( NOT AN ENTITY ) who participated in a CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.
|
| 11/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I scheduled my permanent payment for mortgage. every XXXX of every month. XXXX was paid normally for 5 years, but The lender, XXXX XXXX XXXX, started the practice of intentionally not charging me in due day, and then charge me late fee for not paying in time.
|
| 02/06/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Referral |
|
|
|
| 01/25/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Fees or costs after closing
|
|
Web |
Older American |
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 01/04/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
|
| 01/02/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Postal mail |
Older American, Servicemember |
|
|
| 05/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/21/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 11/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 11/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web Referral |
|
|
|
| 06/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
Older American, Servicemember |
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/25/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 02/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/20/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 02/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 01/08/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/01/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/28/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/18/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
Older American |
|
|
| 06/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 05/31/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/13/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/15/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
|
| 03/14/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Postal mail |
|
|
|
| 01/29/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 12/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 11/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/30/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 09/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/29/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 07/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/19/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 07/11/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/25/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 03/20/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/26/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/03/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Phone |
Older American |
|
|
| 02/01/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 01/31/2017 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 01/23/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/18/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 12/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 12/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 10/12/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Phone |
Older American |
|
|
| 08/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 07/21/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 06/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 05/18/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/11/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/11/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
|
| 10/22/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/13/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 10/09/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
Older American |
|
|
| 09/30/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Postal mail |
Older American |
|
|
| 09/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/11/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/06/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 07/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/29/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/29/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Postal mail |
Servicemember |
|
|
| 06/17/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/29/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/21/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 02/25/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/21/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 11/17/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Older American, Servicemember |
|
|
| 11/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/03/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/21/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/04/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 05/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 04/15/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/07/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 03/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 03/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/21/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 02/17/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Web |
Older American |
|
|
| 01/14/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/31/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/26/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/02/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 11/29/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 11/27/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/26/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/17/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/10/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/16/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
Older American |
|
|
| 09/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/27/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 08/19/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/31/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/23/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Older American |
|
|
| 07/02/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 06/28/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 06/11/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/10/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/17/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/07/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/30/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 04/10/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 03/15/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/01/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 02/12/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/05/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/15/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
Older American |
|
|
| 01/08/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 11/02/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 10/24/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/15/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/11/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/08/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/16/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/09/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/08/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/03/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/10/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/21/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/10/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/06/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/05/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/04/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/30/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/22/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/15/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/07/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
|
|
|
| 04/28/2012 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/11/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/26/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/05/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|