| 03/25/2023 |
Yes |
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Web |
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I closed on my primary residence mortgage loan in the amount of : {$190000.00} at an interest rate of 3.750 % for my home located at XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX on XX/XX/XXXX. I had {$20000.00} wire-transferred from my XXXX XXXX XXXX account XXXX XX/XX/XXXX, to a XXXX XXXX XXXX XXXX a U.S. Bank account to be used for my closing costs, interest rate reduction costs, and establish my escrow account funds. The FHA mortgage loan service provider that closed my FHA XXXX was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX. There were unused funds that was left-over after all costs were paid that should have been refunded to me or deposited into my escrow account or paid towards my outstanding principal balance. I believe that individuals conspired to increase my closing costs to justify retaining all funds that were deposited by me for closing. In the month of XX/XX/XXXX, I sent three ( 3 ) cashier 's check in the amount in the amount of {$1200.00} each that were drawn on my account setup to pay my monthly mortgage payment to XXXX XXXX XXXX XXXX that should have been paid to reduce my outstanding principal balance, because my first mortgage payment was not due to be paid until XX/XX/XXXX. I was notified by XXXX XXXX in XX/XX/XXXX, that my mortgage loan had been transferred to a new service provider and that all payments beginning with my first mortgage payment due on XXXX XXXX, must be sent to The Money Source. I sent my first mortgage payment to The Money Source and all future payments in the amount of {$1200.00} paid through the same XXXX XXXX XXXX account setup to pay my mortgage payments via " Bill Pay '' electronic payment system. Due to being notified by The Money Source that my mortgage payment would increased to over {$1400.00} to cover a shortage they calculated had occurred in my escrow account, I refinanced my mortgage loan in XX/XX/XXXX, with XXXX XXXX XXXX XXXX to reduce my mortgage payment that I was told would become due with The Money Source in XXXX of XXXX and to reduced my interest rate to 2.87500 %. My first payment with XXXX XXXX was due on XX/XX/XXXX, I made payments via cashier 's check to XXXX XXXX before my first due date that should have been paid to reduce my outstanding principal balance. My new mortgage payment amount due became {$1300.00} per month and principal balance was : {$180.00}. I received correspondence from XXXX XXXX that my current outstanding mortgage principal balance as of XX/XX/XXXX, was {$180000.00} and my loan has a fixed interest rate of 2.875 %. I was notified by XXXX XXXX that my mortgage loan would be transferred to a new mortgage service provider named XXXX XXXX effective XX/XX/XXXX I was mailed correspondence from XXXX XXXX informing me that my mortgage loan would be transferred from XXXX XXXX to XXXX XXXX effective XX/XX/XXXX and that as of XX/XX/XXXX I owed {$180.00}, XXXX on my mortgage loan and that I had a past due amount of {$5300.00}. I sent via XXXX Certified Mail a letter to XXXX XXXX disputing that I did not owe the amount stated as my current outstanding balance of mortgage principal nor was not delinquent on my mortgage payments. I immediately made a {$1500.00} payment on XX/XX/XXXX, and three ( 3 ) additional payments of {$500.00} each on XX/XX/XXXX, and XXXX, XXXX, all payments totaling {$3000.00} to circumvent what I believed to be imminent foreclosure proceedings. Regarding my primary residential home mortgage loan I believe that I have discriminated against because of my race, XXXX XXXX, regarding been charged more in costs and have had money fraudulently taken from me and subjected to escrow conversion of funds sent to be paid for taxes and property taxes.
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| 09/05/2023 |
Yes |
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- Closing on a mortgage
- Delays with the closing process
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Web |
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This company is located in XXXX XXXX Missouri. They ran my credit back in XXXX of 2023. I was pre-approval for {$280000.00}. The home that I found was originally at {$230000.00}. So my agent suggested that I go in higher to get ratified. I was ratified for the home. The lender never locked in a rate for me when I asked him several times. The lenders kept saying that they saw XXXX and judgements from medical bills. Which was not true. I had it in collections and its {$1100.00}. He also delayed the closing to XXXX. He and his company personnel kept trying to get other personal information about me and kept calling the Title officer. The lender needed more information about my income and so I gave him the necessary information. Then he tells me that I needed to get appraisal done. He asked for my debit card information. I gave him the card and he charged my card {$610.00}. Dollars. Last Friday on XX/XX/2023. XXXX XXXX delayed to tell me that we can not do this loan and wanted more money for closing. I believe that he never wanted to give a FHA loan. United Fidelity Express XXXX XXXX
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| 01/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX I sent a check in the amount of {$1800.00} to united fidelity for my mortgage and {$500.00} to go to escrow.
They received my check and cashed it I was thinking my mortgage was payed as I am trying to refinance I was set to close on XX/XX/2021 when they tried to get my payoff they said I still owed my XXXX payment so I called and finally after 1.5 hours on hold I got through and they said they didnt know what to do with the money so they just held it making me late on XXXX payment I told them to apply XX/XX/XXXXto escrow and the remainder to my mortgage. The refinance company called me Monday XX/XX/XXXX saying they still have no payoff amount so I called United fidelity and spoke with three people and they said it all went to escrow and they would send a request to get it fixed. I called today XX/XX/XXXX and it is still not fixed and try back on Monday. I now have to pay extra to extend my interest rate lock and have to make another payment past due because they failed to do their job
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| 03/16/2021 |
Yes |
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Web |
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After our application was approved, we were ready for an appraisal. Our first appraisal did not pass based on the type of loan we were trying to get. The company told us we could fix everything that the appraiser called out and have a reinspection done. We were ready for a reinspection and after the mortgage company took our payment for that reinspection before it was even scheduled, the mortgage company proceeded to inform me that they can no longer use the closing company we had picked out to use. They refused to let us close with the closing company we had originally picked out and were going to make us choose a different company. I was advised by an attorney that they can not legally refuse to use the closing company we had planned to use.
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| 05/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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| 09/01/2020 |
Yes |
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Phone |
Servicemember |
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| 03/05/2019 |
Yes |
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Web |
Servicemember |
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| 01/30/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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