TRIAD FINANCIAL SERVICES, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/29/2023	Yes	Mortgage Manufactured home loan	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	MI 48473	Web
We bought a modular home and had to take out a loan that would start as an interest only construction loan and then be converted to a conventional mortgage. When the building was finally complete, I was sent a document to sign to have the remainder of the balance on the home paid to the manufacturer. However, the amount was not correct, it was more than it should have been. The loan officer argued with me, gave me false numbers as to the price of the home. Also, we did not use all of the money in construction portion of the loan and the loan officer wanted me to sign it all over to the home manufacturer. He gave me a hard time when I asked to see what money had been paid out and to whom it was paid, though he begrudgingly sent it. I looked over my purchase agreement with the manufacturer and my loan agreement and ran the numbers. They did not match what he was telling me. I had to send a copy of my math before he would reevaluate the situation. In the end, the loan officer did end up fixing the situation. But I feel like he was trying to take advantage of me. He didn't even have the correct amounts of how much the home cost. This all took place over a few days of emails ( I have all of the emails ). I was told by XXXX, the loan officer, via email XX/XX/2023, that I owed the home manufacturer {$45000.00}, that the cost of the home was {$110000.00} and that {$69000.00} was paid to them already. This, however, was not true. I don't know where he got those numbers. The grand total for the just the home itself ( what was owed to the manufacturer ) was {$110000.00}, I made a down payment directly to the manufacturer of {$10000.00}, only {$100000.00} was financed through the loan company. After a lot of back and forth and him finally looking into it, it was discovered that the manufacturer was only owed {$34000.00} the remaining {$9000.00} was what was leftover in the construction portion of the loan. The {$9000.00} was mine and according to XXXX would be taken off the principal of the of mortgage. Once that was finally dealt with, I was told I had to sign paperwork to change the loan over to a traditional mortgage, the money had not yet been taken off the principal. I was told it had be switched over first. I signed it. Then I had to argue with a new loan officer, who was now in charge of the mortgage, and speak with a manager ( this was all done via email, of which I have copies ). It was in the end finally taken off the principal and everything was righted. I just feel like they were trying to take advantage of me and scam me out of money. If I hadn't stood up for myself and asked questions I would have been out {$9000.00}. It was far too much arguing and back and forth for it just to have been a simple mistake. It should have been one email from me saying this isn't correct. Not several emails of questions and me having to do the math myself to prove it was incorrect.
11/16/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 762XX	Web
Me and co-buyer closed on XX/XX/XXXX. Upon closing we were not informed about a " construction loan '' by the closer. We were informed that construction would begin XX/XX/XXXX and upon completion the lender ( Triad ) would have to sign off prior to us receiving our keys to the home. Construction was signed off by lender ( Triad ) on or around XX/XX/XXXX. The issue we are having is me and co-buyer were sent on XX/XX/XXXX our updated payment letter via email, and received notice that we were behind on payments in the amount of {$3200.00} for months XXXX thru XXXX concerning this construction loan. We were informed then that we couldn't start paying towards our mortgage that was due to start XXXX XXXX until that is paid in full. We were surprised at this as we never received any bills, phone calls, or notice of this from lender ( Triad ). The day after on XXXX XXXX we were then informed that our mortgage loan would be going to XXXX XXXX XXXX XXXX XXXX but then again they wouldn't release the loan to them until said " construction loan '' is paid in full. We have since asked for the bills or notices to be sent, and we have yet to receive that information regarding " construction loan. '' I also have email correspondence where Triad has stated it was a mistake on their end that we didn't receive those bills as they had all up to date addresses and phone numbers, but weren't really sure what happened. Another email correspondence I sent to Triad asking why we are being charged for months XXXX through XXXX when actual construction was XXXX through XXXX. Trying to get the matter resolved quickly we paid {$1500.00} against said " construction loan '', but when we went to pay off remaining balance we were told interest had been accrued as the loan is in collections and the pay off was again back up to $ XXXX. How are we in collections without any notice, and how did Triad come up with this amount. I did calculations based construction starting in XXXX to XXXX and that came out to around {$1600.00}, but if they applied XXXX as well it would have come to {$2400.00}. With us paying {$1500.00} to Triad already at the most we would owe {$940.00} or least {$130.00}, but we are again awaiting the bill notices. I was informed this morning that I'd be receiving a call from management, and at this time still awaiting. We can't see to get a straight answer from anyone and each department has a different conclusion. This matter we are trying to clear up as soon as possible, but instead it feels as though Triad is extending this matter and we are being charged interest every month until paid in full and that is due to this being in collections ( debt ) when in all actuality we shouldn't be as NO BILLS, NO CALLS, NO CORRESPONDENCE was ever made prior to now. That is unlawful and wrong and Triad needs to work with us not against just to get extra monies out of us.
08/17/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 316XX	Web
While trying to obtain a loan for a new mobile home park model I was pushed by the manufacture to do business with Triad Financial Services. I used the apply on line feature on the Triad website and had a Credit Approval-with pending conditions. The list of pending documents needed to complete the process was listed on the Credit Approval. I made copies of the requested documents and sent via email to the underwriter, XXXX XXXX. The email was sent on XX/XX/2020 @ XXXX. I tried to follow up with XXXX, however the direct line to XXXX went to another employee 's voicemail box and no other option was offered. XXXX XXXX was the customer rep and the only person I had contact with at Triad, two short phone calls. I tried to contact XXXX to make sure the documents arrived and were acceptable but I could only get her voicemail. I had one email response by XXXX telling me I would know something in 24-48hrs. During the same time I sent emails to ask questions about the loan and what Triad procedures are for items like escrow accounts and taxes. I never received a response. After consideration of Triad 's behavior and the Manufacture 's behavior I decided it was in my best interest to cancel the build and loan. I sent an official cancellation notice letter to all parties involved. This letter was emailed XX/XX/2020 @ XXXX. I was sent a denial of credit via the manufacture XXXX. The key factors for denial were listed as : Proportion of loan balances to load amounts is to high, Amount owed on revolving accounts is to high, unable to verify income. I checked my credit scores before starting this application and the three credit agencies showed that I had NO balance on revolving credit, my credit score was XXXX and the only loan with a balance is a XXXX monthly payment. I have never had a forclosure, late payment or default of any kind. I am a XXXX XXXX XXXX XXXX with my own company. I sent the requested 1099 and tax returns which prove my more than needed income for a loan of XXXX per month. It is my opinion that the very unfavorable denial of my loan was a retaliation done after I had canceled the loan and build, the cancellation letter I sent to Triad and XXXX XXXX XXXX XXXX giving reason for cancellation as Triad 's failure to respond in a timely manner and XXXX XXXX XXXX XXXX using this to push back build and delivery dates. I have the email records shoeing the time lines. As the consumer I felt it was in my best interest to stop the transaction before I could end up in a contract with an aggressive predatory lender that has a long history at the XXXX for bad customer service. I am more than willing to discuss this with anyone involved or government agency.
02/04/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WV 259XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX being out of work in XX/XX/XXXX and only drawing two weeks of unemployment that wasnt even close enough to pay bills after XXXX struck my entire family. I feel behind on our home mortgage. The mortgage company has not been very helpful. I have been sending payments in as I can to not get further behind, not sure if there is deferments or not. I wasnt aware that things was so out of hand until, I check the Mail to only find a payment I had sent returned. Sad part about it is I had paid another that same morning that will soon be returned as well. The gentleman who has taken the account over has avoided our calls by all means, if you tell him thanks when hanging up, he says yep.. He talked down on me asking about my job when I had covid and my family had it. Guess he thought my job paid me, well they didnt but I guess thats hard for him to believe. He is real arrogant and just a smart butt and left us not knowing what we owed, no paperwork sent telling us and we are told hes the only person you can talk too! I spoke with him on XX/XX/22 briefly before disconnecting the call on him because of his uncalled for remarks after he more less told me he had tried calling but phone was disconnected and just excuses because he hadnt called. I have proof of my phone not being disconnected. He pretty much through a # at me about whats owed and didnt even offer to break down the charges. I know that I dont owe that kind of amount for just the mortgage. The mortgage is only in this collection department but isnt originally financed through them but when contacting the originally lender, they wont tell you anything due to it being in legal. I mean does someone not need to send a certified letter or something to notify the borrower about all this. The collection advisor even smarted off and more less said to me before I disconnected the call, that normally they dont even return your call and made remark more less saying I was lucky he called me I had been calling for days. Another thing these companies dont understand is they need to leave me a voicemail. My job doesnt allow use of phones during work. I work a dangerous job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I drive 1hour 45 minutes each way to work. I leave home at XXXXam to go to work by XXXX am.. & get home at XXXXpm. These people arent even in office at that time. By no means do I avoid anyone but I have a job and its not sitting at a desk to where I have phone access at anytime.
10/31/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 703XX	Web
This is an excerpt from an email sent to Triad on XX/XX/2022. we closed on our construction to permanent loan in XXXX. I made payment in XXXX and XXXX for what was due. My XXXX payment was supposed to be my first permanent loan payment. My XXXX payment was never applied to the loan only showed up as unapplied. I made several phone calls at the end of XXXX and beginning of XXXX in regards to this. I was told because the loan was being transferred to permanent that is why it showed unapplied. Well it started getting closer to the end of XXXX and I called again. I believe the same day I called the 3rd or 4th time my XXXX payment was then reversed and also changed to unapplied. Tried calling again after a couple of no changes. Was told it was again because the loan was being converted, and they would send the the manage of the department an e-mail to call me. An e-mail was sent because getting someone on the phone in that department is a complete joke. I never received an email or phone call back from XXXX after the below email was sent. I called again on the Friday after that email and a lovely person in the servicing department got her manager involved. I received that phone call on Monday letting me know she was going to again get a message the manager in closing, XXXX, to call me. I received a phone call on Tuesday from XXXX who was told my XXXX to call me and tell me the loan had not been converted because I had not made payments. Had he or his supervisor taken 2 seconds to actually review my account before calling me they would have seen I made my payment on time and correctly both months. At some point in all of these phone calls I received the information that the original person working on converting the loan was no longer with the company. I do not what is going on, but my online account shows I owe a total of about {$2000.00}. As far as I can tell what is currently due after taking away what is in unapplied, my total due is still not what it should be for my permanent payment. Since this e-mail, I have spoken with XXXX, who is in the process of converting out loan to permanent, two time. Both times I have spoken with her she let me know it is being worked on and give a date about a week away that is should be completed. My 2nd payment for my permanent note is now due tomorrow. I have been reassured nothing will be counted against me, but at this point I now have 2 house notes to pay at once because of their issues and errors. This is been the worst mortgage/loan company I have ever had to work with.
06/01/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	OK 730XX	Web
Triad Financial will not let me purchase my own insurance, or even pay for my taxes on my own. According to Triad, the escrow is figured into my monthly payments. They bill the insurance ( of their choice ) onto the balance of the loan, therefor you will never make progress to pay off your loan. This has occurred for two years. I tried to get my own policy through another insurance company to avoid my monthly payments being raised. I am on a limited income and can not afford {$400.00} home payment. I purchased my policy out of my pocket, contacted Triad to cancel my previous policy they provided me. After 45 minutes on the phone and a rude operator later, I asked to be transferred to the escrow manager. I spoke with XXXX XXXX of the escrow department. She stated to email her a copy of my policy and a email stating to cancel the policy and she would be able to cancel it, she had to have this information. I was also told I couldnt call the company and cancel it myself. They went behind me, bought my policy from my new insurance company and are STILL putting this onto my note. Therefor still increasing my payments. Fast forward to today, I received a past due notice from that previous insurance ( which damages my credit ) stating I owed them. My insurance policy was never cancelled even when I did follow all the proper procedures provided to me by Triad, in total I sent her 4 emails. I had to call the company and cancel it myself, only then an hour after I canceled the plan on my own did I get a call back from them, after trying to contact them for weeks. They also stated to me today I not only owe the money for my new insurance plan but also {$500.00} more due to shortages in insurance/tax fees from the previous years. I feel that Triad Financial takes advantage of their customers. I have owned my home for two years and have only actually paid {$1300.00} to the balance. They are rude, unhelpful and always give the run around Im trying to solve an issue or get a simple answer for a question. I feel as I am being taken advantage of as a customer and it needs to be stopped. Price gouging, increasing payments until customers cant afford them anymore, and trapping them into contracts is NOT the way to do business.
04/12/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OK 73044	Web
We closed on XX/XX/22. They sent me the documents to approve prior to closing but the amount of the loan did not match up with the cost of the home, land, and closing costs. At first, I was paying {$2500.00} more than the loan was supposed to be because they didn't give me credit for the earnest money I had put down on the land and home. After they corrected this, we were still {$500.00} over what we were supposed to be financing. I reached out to XXXX XXXX at Triad multiple times to have this corrected but I was ignored. Triad told me I would have to pay fees if I missed the closing so I was forced to close on the home with the mistakes present. The loan is also another {$4000.00} higher than what everything was supposed to cost. When I asked the bank about it, they told me the {$4000.00} was for points to bring down my interest rate. I asked them to add it in to the loan documents so the points showed as part of the loan but they never would. Finally XXXX XXXX informed me that they had to be creative on the loan and show on the loan paperwork that we paid {$4000.00} more than we actually did so the bank could get the money for the points. He said he didn't have a way to legitimately add the points in to the loan. This is upsetting for me because they won't provide me any documentation for the points so I can get a tax break. It feels like they basically stole the {$4000.00} from me. They are at the least collecting extra money for something that wasn't in the loan documents. Also, when it came time for us to release the final draw to the builder, we let the bank know that everything was not completed properly and that money was still owed to vendors because the request we signed stated that the home had to be 100 % completed properly and everyone involved had been paid. We told the bank we would be lying if we signed but they wanted us to sign anyway. I spoke with XXXX XXXX at Triad about the issue and he said he was worried the builder would not be able to keep all their money if we didn't sign, so we were forced to lie and sign the document anyway with the alternative being that we would eventually default on the loan if we didn't sign.
03/24/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	GA 30349	Web
The original contract that was signed XX/XX/XXXXbut dated XX/XX/XXXX, was told to me that it was an Offer by the bank, it was two part of the contract The mortgage and the lot rent, the lot rent was never signed because I didnt agreed with the Lot rent nor know about the amount {$530.00}. At this point Im still being treated like a renter and told. I was told to paid my closing fee XX/XX/XXXX. I was coerced into signing an offer contract. I was told by two parties that if I didnt bring money on XX/XX/XXXXand XX/XX/XXXX that I was going to be evicted and not qualify to own my home and they needed my rent money if I wasnt going to proceed with the purchase. It was lack of commutation on all parties along with improper documents being receive and given between each other. There was a mistake in entering into the contract and the contract was based on misrepresentation of facts. I was misled into believing I close on the home on several different occasions. I never receive any paperwork until XX/XX/XXXX. I ask on numerous occasions for my paper work. Was told they were going to be mailed to me ; which never was. XXXX XXXX as the new mortgagee also reported to my Credit Report XX/XX/XXXXof this new installment account that was signed XX/XX/XXXX but dated XX/XX/XXXX but didnt take over the loan until XX/XX/XXXX. I dont know when I close but took a final payment of {$750.00} on XX/XX/XXXX, was told it was my closing fee. Therefore this account was reported illegally to the Credit Beaus on my behalf. I was showed on numerous occasions of the company showing mismanagement of funds. I paid out {$4200.00} all the way up toXX/XX/XXXX, and still dont fully understand where my money went towards. I am owed {$870.00}.
07/15/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91977	Web
Hello : Honorable CFPB : Good day and god bless-since two months ago I did file BK-XXXX and never missed the payment to triad- I will not included them to my BK-XXXX due to my financial distress-I lost my job due to XXXX and XXXX at worked, I have physical injuries and emotional injuries at worked that is on going, Im XXXX due to my passed XXXX XXXX with three multiple XXXX XXXX to my XXXX, I paid this company in advanced because my XXXX and my XXXX XXXX is getting worse, we send them the forms to re-affirmed my manufactured homes but was ignored, I talked to XXXX XXXX there bancrufsy department and told me, they will email it to them, I even send them the blank forms, I send email to XXXX XXXX , XXXX XXXX and the info triads info on line, they retaliated to me because I reported them about the over-payment I gave them, there escrow account send me some refund and I know in my hearth its not enough, I survived with my multiple XXXX to my XXXX, but what this company is doing to my health that causes me again to go to XXXX XXXX, they lied and the XXXX XXXX who approved my loans there sister companies did even send them the forms but it was ignored, one of my creditors XXXX XXXX di respond to my affirmation forms we send to them, Im asking this authorities to help me again, as much as possible I do not want send a concern to this institution, but they are ignoring my pleadings to me. Hoping for your prompt reply to this matter, I know its pandemic and thanks for all the help, I keep on receiving a bills to my home insurance and the property taxed, saying this mortgaged company didnt pay my taxes and its included to my mortgaged.
11/19/2023	Yes	Mortgage Manufactured home loan	Trouble during payment process Escrow, taxes, or insurance	IN 47303	Web	Older American
I received my first mortgage payment statement on XX/XX/XXXXXXXX and it showed {$300.00} they were charging me for taxes a month. I paid it, but was told they over charged for taxes. I called Triad XX/XX/XXXXXXXX and spoke with a Supervisor, XXXX, and said that is what my county Treasurer sent to them that that is what the estimated tax are. I said no that I am not paying that amount in taxes because they over charged me. He said to go to my County Treasury Office and they would give me the amount to charge. I went to my County Treasury Office and they said they don't show anyone living at this address. I then called Triad back on XX/XX/XXXXXXXX and spoke with XXXX again and he said my County Treasury Office sent them this information. I have been up to my County Treasury Office three times and they said they never sent them any information about this. I then went to the County Assessors office and they showed me that the place I'm living at has not been assessed yet and that I don't owe any taxes until XXXX. I then called Triad back and talked to XXXX XXXX who is the contact information on the loan. She said the same thing that that is what my County Treasury Office sent them. I asked for a copy of exactly what the XXXX County Treasury sent to them and I have not received it. I then called Triad again on XX/XX/XXXXXXXX and got the same thing said to me. I called Triad on XX/XX/XXXXXXXX and nothing is being done about this. I don't know where they pulled this figure from but Triad is known to overcharge for taxes in this Mobile Home community.
04/09/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 34203	Web	Older American
To date, my phone calls, voicemails and emails are being ignored. I despise that and feel totally disrespected. Triad Financial website states " world class Professionalism : ... I'm finding XXXX. On XX/XX/XXXX I was able to speak to the VP who found this " lost '' cashier check dated XX/XX/XXXX for {$46000.00} and said he would have it applied on the principal of my {$76000.00} loan, have my account recasted as it would make a big difference in my payments and send me an amortization schedule. EVERY DAY I still find only {$34000.00} applied to the principal. By the way, my contract clearly states no penalty for prepayment. My first payment on XX/XX/XXXX and second on XX/XX/XXXX are posted XXXX ... incurring undue extra interest. They have made future payments ( surely including interest on the larger amount ) and the website shows I do not owe a payment until XX/XX/XXXX ... 74 days away! I am still going to stay on schedule and make the XXXX payment. {$41000.00} is hanging in " mortgage ''. No communication nor correction to my account has caused enormous stress from someone not being honest. I think about this constantly. I am XXXX years old and used my life savings to buy this XXXX mobile home and am now helpless in this mismanagement of my money. I have sent a letter to CEO on XXXX and unfortunately not received a phone call nor any response. Is this normal practice? Is this legal??? Please help me to have an accurate posting, date AND money. This is stealing.
12/08/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32533	Web	Older American
I believe that Triad Financial is violating UDAAP by implementing unfair practices to individuals who receive a 1099-MISC for their pay, along with pay stubs from the employer, as opposed to those who receive W-2s. Even after attempting to speak with the mortgage underwriter as well as a manager in mortgage underwriting, their procedures blatantly revealed a prejudice toward individuals who are self-employed or are independent contractors through a company. The company does not use your actual income, but the income that they perceive based on whatever lending practices that they have established, which do not treat 1099 employees the same as W-2 employees. The company asked for information to include bank statements, tax returns, verification of other income, and pay stubs ; however, they disregarded and misinterpreted information seemingly maliciously to deny a mortgage application. In fact, twice I was advised by their employees that " there was nothing else they could do, '' which was also extremely unprofessional. I have previously applied for a mortgage, was approved, and even just recently paid it in full with the same job that I've been working since 1987. I advised the company of this information and still they gave no further assistance, brushed me to the side, and upheld their unfair lending practices. I would greatly appreciate these practices being reviewed as they are clearly unfair.
11/05/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 986XX	Web
In XX/XX/2018 we purchased a Manufactured home from XXXX XXXX XXXX XXXX in XXXX XXXX, OR through Triad Financial. This was the only possible way to purchase this home at that time. It is a super high interest rate but we planned to refi within the first year. I even spoke to the Assistant VP/Manager at Triad, who assured me we would be able to refi this loan, no problem. During the past year we have been in constant contact with Triad either first hand or through a mortgage officer attempting to refinance this loan. Triad is refusing to give up the title to the home so it can be eliminated in order for us to refi. We have offered to put up the 5 acres of land we placed this home on as collateral, sign and file any neccessary legal documents of their choice and/or contracts so Triad will still have some sort of collateral during the refi processing time. Our property, with the home on it, is worth more than DOUBLE the amount we owe Triad for the home itself. We owe them $ XXXX and our appraisal came back at $ XXXX. Triad Financial refuses to work with us on this even though we have the assests and are willing to let them file a lien against the property. Our mortgage lender and us feel they are being lazy and deceitful trying to keep us in this high interest loan. We have spoken to several different banks who ALL agree. This company is gouging the average american and this is not right.
11/20/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IN 46818	Web
I called to explain what was going on and I had been put in Covid protocol for my company and I needed help. I received a XXXX check I didnt know what to do and I was behind I know Im not trying to avoid you all but I was having a hard time with my kids not being in school having to have to buy computers for school I have XXXX including my self to be able to work from home. I didnt know what to do or where to go so I did. I was told by each person I talk THAT HAS NOTHING TO DO WITH THE ME MAAM. Wheres your husband she said I sai my is sick XXXX XXXX XXXX to his feet. She said WELL HE NEED TO GO GET A JOB CAUSE WE NEED OUR MONEY maam. I said maam he cant Im doing what I can to provide for my family. I was in front of my corporate boss they called my job. Having to get computers and food to keep my kids feed and school. I said I cant maam but what about your anything to help us. Its not my fault your an irresponsible parent and got your priorities mixed up but we need our money! You have five days to get out! My boss made me hang up! That was very embarrassing and degrading Im a supervisor at my job. My bosses offered me and my leave to live with her family. If I could afford to get out I would being racially harassed in place my has been chained egged trashed and more! Ive been XXXX since this call I need help but cant afford it Please HELP US ANYBODY! Im scared
09/11/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AL 359XX	Web
My name is XXXX XXXX and I live in the mobile home purchased by XXXX XXXX and XXXX XXXX. in XXXX Alabama. The mortgage is between them and Triad Financial Services out of Florida. The property has been " Closed on '' for over a month yet Triad refuses to pay the mobile home company, demanding instead for additional employment information after the fact. Even after that information is provide their response is Let me check on things. As a direct result of Triads breach of contract in paying for the mobile home the mobile home company can not have contractors install water and sewage. For the past month we have ( I have ) been living in a mobile home with no water, or sewage. As a direct impact of Triads breach of contract and failure to conduct business all of our other utilities were greatly delayed as well. My name is not on the mortgage but I am directly effected by their refusal to pay and continued breach of contract. Regardless of any circumstances, XXXX and XXXX both signed and agree and are willing and able to pay back a mortgage. Triad signed and apparently is unwilling, unable to uphold their end of the contract. Their failure has resulted in financial burden upon myself, XXXX XXXX, XXXX XXXX, and the manager of the mobile home company. Immediate resolution and restitution is needed for this matter.
12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MI 49442	Web	Servicemember
My Chapter XXXX Bankruptcy was discharged XX/XX/2020. I discovered on XXXX, credit reporting agency, my account with Triad Financial Services was noted as a " Charge Off '', and not as, " Discharged by Bankruptcy '', as all of my creditors from my Bankruptcy have noted. I've attempted to dispute the Charge off, without help from XXXX. XXXX has been given my Bankruptcy discharge by the Bankruptcy court, as it has to all three reporting agencies, again has refused to correct the charge off, to Discharged by Bankruptcy. Triad Financial Services also refuses to correct this inaccurate information. My account was closed with Triad Financial Services @ XX/XX/2020 as 'Charge Off ', two months after my Bankruptcy discharge date of XX/XX/2020. Triad Financial Services has harassed my with emails, phone calls and mail, well after my bankruptcy discharge date.Triad and all other creditors declined to attend the creditors hearing scheduled XX/XX/2020. Reported to my attorney, harassment has ceased, finally. I understood the negative impact of filing bankruptcy, but XXXX & Triad Financial Services refusing to correct the inaccurate information is being done with Malicious Intent to cause my credit rating even more harm. After my third dispute with XXXX, they lowered my credit rating from XXXX to XXXX.
03/25/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91977	Web
Dear honorable Cfpb good morning as much as possible I dont want to used my excuses that Im a XXXX XXXX home owners due to my passed XXXX XXXX XXXX with XXXX XXXX XXXX XXXX to my XXXX, Ive been with TRIAD FINANANCIAL since XX/XX/XXXX and never been late my payment, I changed my XXXX XXXX XXXX checking account last XX/XX/XXXX and have a new checking on line I always do an on line payment through this mortgage, last XX/XX/XXXX I enter my on line payment in XXXX XXXX XXXX to my checking and it went through, I left the country last XX/XX/XXXX, when I came back last XX/XX/XXXX, I received a letter saying Im late in my mortgages, and what questioned me is if theres is a problem to my payment they should call me because Im still here in America, I spoke to the supervisor XXXX XXXX XXXX XXXX XXXX and he is very rude and discriminated me, because Im XXXX he told me called an attorney and hang up on me what I told him is if I could not pay the delay fee and its {$1500.00} and he never give me chance to talk and told me to hire a lawyer because he will report me to credit bureauw threaten me And my XXXX XXXX XXXX XXXX because I had a XXXX where I got it from my travel I hope that he will be investigated he threatens me like an animals and never late in my payment I recorded my conversation with him
02/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 55434	Web
Triad financial services uses predatory business practices, unlawful debt collection behavior, and will try to reposess your house on charges you do not owe. We never received closing loan documents. They have processed our mortgage payment a month late every single month and have tried to hit us with late charges. They also did not credit us with a payment more than once and I had to submit proof that we paid them and they cashed it multiple times. We have submitted proof multiple times that we paid every month, and the continued to harrass us with phone calls saying we were a month late several times a month for the last seven months. When sent a cease and desist with requests for proof that we were missing a payment, loan documents ( including promissory note ) and to stop the harrassing phone calls over a debt we do not still owe they sent us a threatening letter saying they are going to reposess and foreclose if we did not pay the disputed amount and the current month payment within thirty days. They have been made aware of charges to our account not due and yet it says in the notice that they are not aware of any such charges. They have been made aware. Multiple times. This is despicable behavior for a company to engage in.
11/06/2023	Yes	Mortgage Manufactured home loan	Trouble during payment process Paying off the loan	IL 60453	Web
After Triad financial services bought my loan there's been nothing but problems for the past 3 years. First, they tried to charge real estate taxes on a rental lot. Towards the end of the loan they doubled my payments stating everybody 's insurance insurance went up. My homeowners insurance had not gone up the entire time with triad financial. When I paid extra it was supposed to be applied to principal only and they put it in a suspense account and never applied it to principal. The last 3 months it took them over a month to apply payments that were overnighted to them. I paid the entire principal plus extra because of their excessive fees and they said I still owed. This took from XXXX to XXXX to inform me. I called numerous times emailed several times and to find out where my title was. To get rid of the loan I paid the extra {$250.00}. I paid principal in the extra amount in XXXX I paid this extra {$250.00} in XXXX because I never got my title and it is now XXXX and I still do not have my title I do not owe any money. I feel they have continually and blatantly misused escrow funds and misapplied illegally held funds that we're supposed to be applied to principal and never were. I want this to end with my title in hand.
01/07/2024	Yes	Mortgage Manufactured home loan	Trouble during payment process Escrow, taxes, or insurance	IN 47303	Web	Older American
CFPB XXXX XXXX This is in response to my first complaint and response from the company. I received a refund of {$1500.00} from the overpaid taxes. I went back to the Triad website to make a mortgage payment and they still show me owing taxes of {$300.00} and have not adjusted my account to reflect my mortgage payment. I called XXXX XXXX XXXX XXXX XXXX that was on their reply and I have called her to correct this tax rate error. I have called her several times and she has yet to return my calls. Her number is XXXX ext XXXX. I went up to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they walked me down to the county auditors office and he looked at my title of my mobile home and figured the taxes for 2023 from the amount I am paying on this mobile home and his figure is : with homestead {$670.00} a year, without homestead {$1300.00} a year. That means my monthly pymt for taxes would be {$56.00} a month and Triad is charging me {$300.00} a month. My mobile home has not been assessed yet, so I don't know where they are getting this tax rate from, but I don't live in California. I have a single wide mobile home. I am not going to pay these taxes and they are not going to adjust anything until they get something from XXXX XXXX.
03/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 49417	Web
I have tried several time when I had become late on my payments to arrange a payment plan. I had called with money ready to send. It wasn't the full 2 month payment they were asking for but I didn't have one month 's worth of rent and had let them know the fallowing week I could do the same amount and they wouldn't take it. Then I got sick fell more behind and now in foreclosure. Since I was served a summons I have been working with a community action house and have also tried several time to connect with them to get paper work sent to me so I can file for help through XXXX but did not here back from them for days. Along with my case worker who is helping me file the paper work. Was also told at the court date to call the attorney to work out a payment to pay what was owed and was then told after a week of calling that its to late to make a payment plan I was never advised to contact anyone to make a plan and when I did try with the company themselves I was told I could not make a plan.
01/30/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 773XX	Web
We purchased a XXXX model home. We paid Recreational vehicle sales tax on it. We do not have to pay property taxes on it. Triad is tacking on property taxes to our monthly payment. We have called several times and they keep telling us we need a letter from the appraisal office. The appraisal office says they cant give us one because we dont have a home or an account for taxes for us. The dmv has a receipt that we paid the sales tax. Triad refuses to take that off our payment without a letter. I called on the 11 th and asked how much in property taxes had they paid. I was told nothing there was no account. I then asked why they are still taking out money. She said they will until I provide proof. She also said we wouldnt her our money refunded til we could prove we didnt owe taxes. A week later I did receive my refund for the full amount. I want it taken off my mortgage. Talking with them has gotten nowhere. They are double dipping and making interest off my money.
09/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32034	Web
i built a modular home on XXXX, fl. in XXXX county. triad financial handled to loan. florida law changed XX/XX/XXXX to allow titling of modular homes if XXXX criteria are met. it must be modular AND on a mobile home lot. zoning for the lot i built on does NOT allow mobile homes. i informed triad that it can not be titled. they did so anyway and charged me for the fee. i visited the dmv office in XXXX county. they told me it should not have been titled but was at XXXX. they assured me they could get it fixed and issue real property designation. they called later to tell me they can not do so while triad has a lein on the property. triad could transfer the lein to the land but will not do so. the home has been declared permanent by XXXX county and the state of florida. i can not refinance without real property designations i should n't even need to aquire. the home is permanently affixed to the land. i have n't been able to find anyone else that will finance.
03/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 671XX	Web	Servicemember
Today,XX/XX/XXXX I found out that my mortgage company, Triad Financial, did not pay my property taxes out of my escrow account. I have called the company, sent an email, and tried to contact them via XXXX. They are not answering. This situation has affected about XXXX people or more in my manufactured home community. We are also not able to tag our cars since we now owe " delinquent '' property tax. The money is in my escrow account, I checked. I also spoke to XXXX XXXX XXXX and they stated they faxed multiple times to Triad to pay these property taxes, and have not heard from them as of today. This company is not accounting their money correctly even on a monthly basis. They will state you are late even if you pay a few days early and then put the money into the incorrect sections of your account. Dealing with them over an issue on a monthly payment has become a " normal '' thing, and now this situation over the property taxes.
07/25/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91350	Web
XX/XX/2019 XXXX XXXX I checked my property taxes online with the County. It is impounded and had not yet been paid, so I paid it, {$160.00}. I called Triad, the lender. I spoke to an escrow person who said that I would receive a refund. I did not. Several weeks went by. I called again. No answer. I left a message. No response. In XXXX, I received a NOTICE OF DELINQUENCY from Treasurer and Tax Collector of the County of XXXX XXXX. My impounded taxes had been paid late. I sent the penalty amount, {$26.00}, out immediately, and contacted Triad. Again, I called, left messages, and emailed. I finally received an email on XX/XX/XXXX. They blamed COVID for the short staffing and I was told to contact the County for the refund. They have now been negligent twice inside of one year. I have asked that my impounds stop, as my credit is above excellent, but they refuse.
04/02/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 73099	Web	Servicemember
On XX/XX/XXXX my husband and I went into a mobile home park to apply for a mobile home that we viewed and liked. We put in an application. We were told it would take 24 to 48 hours before we either got approved or denied. Triad Financial pulled our credit on XX/XX/XXXX1. I called Triad on XX/XX/XXXX to find out the status since we had not heard anything. The rude lady who answered the phone said that nothing had been worked. There were not any notes on the account and that it could be up to 92 hours from the time they started working on it. I advised her that our credit was pulled a few days before. She said there was nothing she could do. As of the date of this complaint, we have not heard a word. We have not gotten anything in writing by mail or by email. Nothing!
02/22/2022	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL XXXXX	Web	Older American
XXXX XXXX XXXX XXXX XXXX emailed to me the closing contract from Traid. The closing date was XX/XX/XXXX. The contract was signed and delivered to XXXX XXXX XXXX XXXX XXXX by XXXX XXXX of XXXX Fl. However, on XX/XX/XXXX, I received an email from XXXX at XXXX XXXX notifying me that Triad was not honoring the contract because they wanted the home to be my primary. I have an email from XXXX, XXXX showing that I would be keeping my primary home in XXXX XXXX, FL. This has caused a lot of stress and XXXX to me with them back out of the process this late, after the closing date. I have spent a lot of money on down payment, clearing the property, having dirt brought in, septic tank installed, permits, labor, and attorney fee.
08/20/2015	Yes	Mortgage Other mortgage	Settlement process and costs	NY 133XX	Web
daughter and i bought a mobile home set up in a parkter on welfare in public housing and im XXXX.She moved in her, her kids and boyfriend.She is cosighner im primary.She left in 1 month.I paid everything down payment and all..She never told welfare she was moving in and went back to the same housing.They have her listed as XXXX owner I asked to take her off they said refinance i asked my bank.they said they need a title the finance place said there was none.I paid for title insurance.It has a serial number..My daughter wont sighn to get it.She can come into this home anytime.She wont let go i told her to pay she wont.I just want out without being peilized or to get her name off the contract.
03/07/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	MI 481XX	Web
I have sent a notice of dispute proof of claim to XXXX XXXXXXXXTriad Financial Services . All I received was a copy of a contract and nothing else that was requested in the Demand. A collector can't continue to collect on a debt after you've made a written request to verify the debt. But that FDCPA violation was ignored. Because I continued to get letters of late payments and even a letter threatening repossession. After receiving a written dispute, the collector must stop collecting on the debt until you have received verification. I have not received requested verification needed to validate. The dispute was never submitted in the comment section of the consumers consumer report.
01/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 773XX	Web
My issue is with Triad Financial Services trying to XXXX XXXX Tax on a Tiny House that is in a Tiny Home Community. The lot is rented monthly and the Tiny Home is XXXX square feet which is considered an RV. Triad insists on some documentation from XXXX XXXX is required to prove that no taxes will be accessed. I visited the tax office and they stated that they will not provide documentation for an account that doesn't exist. Who is Triad collecting XXXX XXXX XXXX for if there is no account to send the money too? The consumer should NOT have to pay this for 12 months and find out that Triad was wrong and wait for a refund from the lender.
10/06/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NY 133XX	Web
a couple of years ago i wrote to you about triad on financing my mobile home.some of the problems were my daughter was on it and she was on XXXX so i had to refinance to get her name off or XXXX would take it. Well they refinance but they also raised the payments, dont have a title and i was going to have my bank do it and they wont without having a title. also i asked them for insurance through them their sight says they sell it and you got to have it. i caint get it they wont sell to me and i caint purchase anny because i dont have a title. the home is a XXXX they have XXXX someplace i asked them whyi paid title ins. they gave no answer
09/22/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NY 133XX	Web
Case number : XXXX they forced a agreement and the payments are more than what they should be the amount was more than what i owed them to start i they are also involving a 2nd and third party into the finance.i left them a message again to get the title requested so i cantake money from my bank to pay them off.If it dont work im gon na file bankrupt i dont know what else to do tomorrow im calling a lawyer.Im XXXX and i caint have XXXX here anyway the lot i have from XXXX triad and XXXX is illlegal and im on hud.i caint even purchase insurance. ive been homless before. i caint keep this up cause im very sick
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33064	Web	Servicemember
I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my XXXX report. This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. Additionally, they are not updating payment and balance information on the one REAL account. They had promised resolution 2 months ago and data was in fact remove from my XXXX report but remains on XXXX
05/10/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 187XX	Web
On XX/XX/XXXX, I contacted the company to ensure they received my tax bill notifcation and was advised it was received. The tax bill was due XX/XX/XXXX. Subsequently, the lender never paid my tax bill and when asked they were looking into it- this was on XX/XX/XXXX. My taxes were XXXX as the company did not pay them until XX/XX/XXXX. When they paid the tax bill they did not pay all of the late penalty fees and now my tax bill is delinquent again and being sent to collections. I have reached out to XXXX with no answer to a solution to this issue..They have become unresponsive.
11/25/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91977	Web
Im asking this agency to investigate this triad financial - for fraud and over charging us - I have an impound basis account - to them and I never been late in paying them - Im still retrieving bills from the XXXX XXXX county collectors. This company even over charged me, when in time of the closings the loans. There office in XXXX XXXX will just transferred me - while Im talking - and its always a voice mail. I send my concern in this agency before but this triad never called me at all Hope that they will be investigated for fraud activities.
05/31/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OK 73044	Web
I was charged XXXX of dollars to cover interest during the construction phase of the loan. This amount was included in my loan. However, I had to pay interest during he entire construction phase of the loan. Triad never credited me the interest that they rolled in to the mortgage. I tried reaching out and sent a document that outlines the charge as proof but I have not recieved any response or acknowledgement of the document or new issue.
01/13/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 863XX	Web	Servicemember
Triad ( XXXX XXXX ) is trying to get us to pay the Dealership for our single wide more than the home 's price. We bought the lot model instead of the home we ordered. The balance owed changed from {$100000.00} to {$82000.00}. They are also trying to make us pay the dealership for the home before the water damages ( We reported these issues to the dealership, the manufacturer and the bank in XX/XX/2022 ) and black mold are addressed.
01/19/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48103	Web
We have been struggling to pay our mortgage payment through the pandemic. Triad Financial Services has been horrible. They harass us and ask personal questions, as well as, criticize us because we are late paying because of our circumstances. They are unwilling to help and work with us. They just use threats and harassment to communicate with us.
05/09/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92626	Web
I applied for a mortgage on XXXX / XXXX / 17 to purchase a manufactured home and the company refused to include my accounting income. I have the right to amend my income tax returns and the company stated that they are refusing to cooperate and reverse the denial letter that they sent me. I was just told this by an underwriter at the company.
01/22/2023	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33612	Web	Servicemember
Adverse action by Triad Financial Services Inc when applying for chattel loan. XXXX took my application and used my social security number and I received no benefit. They contacted XXXX who reported inaccurate negative information after I initiated a dispute many months ago.
03/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48174	Web
I have been trying to reach the lender so that I can ask for mortgage assistance. My counselor XXXX XXXX also reached out to them and submitted the loss mitigation packet. They have not returned, emailed or advised of anything.
06/20/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 32712	Web
I was late for the month of XXXX but paid on XXXX/XXXX/2017 for the month of XXXX. The XXXX payment will be a little late due to financial set back.
06/22/2023	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 324XX	Web
Morgage company keeps changing amounts due and not helping with issue
02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49201	Web

01/24/2024	Yes	Mortgage Manufactured home loan	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	NY 14075	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94585	Web	Older American

12/20/2023	Yes	Mortgage Manufactured home loan	Struggling to pay mortgage Foreclosure	MI 49548	Web

12/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Fees charged	MI 49201	Web

12/13/2023	Yes	Mortgage Manufactured home loan	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	IN 46818	Web

10/02/2023	Yes	Mortgage Manufactured home loan	Trouble during payment process Payment process	PA 19344	Web	Older American

08/11/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 91977	Web	Older American

07/18/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60453	Web

03/10/2023	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 18201	Phone

12/20/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 91390	Web

12/12/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Public record information inaccurate	CA 91977	Web

10/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32234	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 91977	Web

08/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 48091	Referral

06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91977	Web

06/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48141	Web

05/31/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33897	Web

11/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MD 20772	Phone	Older American

10/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91977	Web

08/13/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 92234	Web

07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CA 94509	Web	Servicemember

06/02/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 71913	Web

05/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91977	Web

04/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78666	Web

03/28/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35049	Web	Older American

01/28/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91977	Web

12/22/2020	Yes	Debt collection Mortgage debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL XXXXX	Web

11/16/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77340	Phone

11/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 39845	Web

09/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44146	Referral

08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33064	Web	Servicemember

07/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 13090	Phone

05/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37303	Phone	Older American

04/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91977	Web

01/23/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 91977	Web

01/09/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33635	Phone

12/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MN 56063	Web

09/02/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91977	Web

06/12/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	NY 133XX	Web	Servicemember

12/07/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 92083	Web

01/06/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 92021	Web

02/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 74432	Phone	Older American, Servicemember

02/10/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	MN 56401	Referral

01/10/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48507	Web

12/13/2013	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 32210	Phone	Older American, Servicemember