VANDERBILT MORTGAGE & FINANCE, INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/20/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 64850	Web
Advised by XXXX XXXX, non-for profit debt solution service discovered earlier XX/XX/XXXXafter some negative results in dealing with both our mortgage company and several rescue type expense-up-front assisting services. WE DID NOT PAY, NOR MOVE FORWARD WITH ANY PAID SERVICE, as answered in earlier complaint application. We purchased a repossessed modular home on 2.14 acres in XX/XX/XXXX from a manufacturer dealership XXXX XXXX Financing was managed through their mortgage side of their company, Vanderbilt Mortgage ; we being myself and my now 9-year. At the time we were both gainfully employed, ecstatic about the home purchase, the seclusion of property, and the potential for our wants/needs. The purchase price was {$86000.00} ; financed for 23 years at 9.760 % interest. ( It wasnt until later hardships and research that we learned the 23 year period was strange/odd to standard mortgages. ) I borrowed {$8700.00} down-payment against my retirement fund, which would be auto-deducted from my paycheck. Due to the repossessed status, XXXX XXXX had done some painting, cleaning up, new appliances, but minimal clean-up to the very junk-filled property. This quick purchase came with then then felt no hassle inspection or appraisal. We bargained for terms guttering, concrete walls replacing the skirting, and an upgrade in refrigerator. At the time our credit, especially mine wasnt very good and though the payment was high given other options, the property potential, we felt it manageable ; in a few years we would re-finance for better payments. XX/XX/XXXX-XX/XX/XXXX we made large improvements to the property landscape, fencing/gate, good size storage unit, hot tub, restored/secured barn, fire pit, junk/trash removal, landscaping, a 36 diameter above ground pool, larger hot water heater, eastside driveway to barn ( w/ water, electric, sewer ) and a rear partially covered 540 square foot deck. At this point things started to turn harder for us. I had already been in a decline in health, the medical expenses increase, especially pharmaceutical began to pinch us financially. My absence from work led to usage of FMLA protected time, I tabulated leave hours against office hours and in XX/XX/XXXX I was ill on leave 16 % of the year ; at wages 80 % my pay rate, yet same bi-weekly deductions ( divorce required premium insurance for myself & kids, 401k loan payment, and child support ). Her tenure job began to change drastically, having 4 different regional managers in 2 years with a broad range of ideologies on targeted successes. At one time she was covering XXXX of XXXX XXXX XXXX in 3 states, without any income increase. The trend in that business decline, left for less commissions ; but more and harder sales works, while managing several branches. Unhappy, we felt an offered opportunity for an online sales with a known successful businessmans start-up company was a good decision. The salary was less, but with capabilities of remote work from home half her hours, and commission potentials it seemed a perfect fit. So she accepted a sales management position, managing a small sales time for this start-up company offering online software to a specific untapped niche. This was in spring of XX/XX/XXXX. In the summer of XX/XX/XXXXshe suffered acute appendicitis, while painful usually relatively quickly treated matter. Her first hospital stay was 2 days, she returned to hospitalization 2 more times in the following 9 days admitted each time, her final stay was 3 days and required repeated procedures to take care of her condition. Recovery took months, but she was able to continue her work. While her teams online sales were at target, this specific kind of sales were for future program agreements often months or a year from the point of the sell. The sales database having been quite well built, and revenue being not-yet-forthcoming, the business decide to lay-off the salesforce. We were quite devastated, she filed for unemployment, but due to certain requirements and her willingness to leave the long-term management position unemployment benefits were much delayed. This became the first dire struggle to afford the mortgage. I myself was still in declining health, in XX/XX/XXXXmy FMLA/leave hours were 32 % of my yearly wages ( @ 80 % my base pay rate ). She contacted Vanderbilt for assistance/help ; hoping to reduce our monthly payment or other options. We were declined any significant program assistance as they felt the situation was temporary, after further pleads they did offer some payment due date extensions. After being behind for some time they granted a payment deferment, moving one monthly payment to the end of the mortgage. This forgiveness while helpful beneficially didnt help our situation enough, by year-end XX/XX/XXXXfrustrated with my health and prognosis with local care team. I was referred to the XXXX XXXX in XXXX, Minnesota. Luckily the timing of their acceptance mid-XX/XX/XXXX, was at a point my health insurance had met my maximum out-of-pocket financial responsibilities. We rented a car, booked a modest hotel, and traveled to -20 degree MN weather for what was to have been an estimated 3-5 day evaluation. Completely funded on acquired credit cards, our stay was 10-days ; and unfortunately with minimal answers and guidance to my health despite massive testing. Into XX/XX/XXXXshe searched for jobs, not finding any opportunities near her talent, most interviews found her over-qualified through and through. She worked low-wage short-term jobs as she could find them, obtained her XXXX XXXX allowing her to XXXX XXXX, found part-time work at XXXX XXXX XXXX XXXX locally, collecting any available unemployment benefits as allowed in lieu of hours/pays worked. She accepted a miserable XXXX XXXX XXXX XXXX position for a XXXX XXXX ; her qualifications made it struggling with younger threatened career seekers. She worked for them, at $ XXXX/hour, but still found real pleasure and joy in her part-time work at the XXXX XXXX XXXX. Leading her to leave the XXXX XXXX, for a felt calling full-time with the XXXX XXXX, XXXX Missouri as a XXXX XXXX, making $ XXXX/hour. She has a degree in XXXX, was a XXXX XXXX, an XXXX XXXX XXXX XXXX, and XXXX XXXX for several businesses. But as a XXXX XXXX XXXX found her calling, in this low paying best-job-in-her-life. By now we are financially stifled, my health only worsened, and bafflingly was intermittent and unpredictable. My XX/XX/XXXXleave to work ratio approached near half-worked hours/half-leave hours. Requests to Vanderbilt for assistance, payment reduction, or help were responded with denial, advising my leave pay, and our financial hardships were felt temporary. With the crumbling credit card debt, late mortgage, and shuffling utilizes. All exploration of refinancing through alternate financial sources, failed with the decline in credit ratings. With no other options, I exercised taking out an additional 401k hardship loan, while only {$10000.00}. It was used to pay mortgage up, pay off credit cards, catch-up utilities, other overdue needs, and provide a little savings. This of course added further deductions to when on leave reduced pay. That ease, and those savings didnt last. I would work weeks or months without issues, and then be on leave for days to weeks, and for a few periods months. Requests for further assistance from Vanderbilt still were minimal, by XX/XX/XXXX she had earned enough certifications in her work, that she was promoted to an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; job increased her pay to her current $ XXXX/hour.XX/XX/XXXX, Vanderbilt still feeling our hardship was temporary extended a 2nd payment to the end of the mortgage period. This was the only assistance offered available. Despite working without health challenges last quarter of XX/XX/XXXX, her increase I wages, cutbacks on spending, and the XX/XX/XXXX forgiveness of mortgage we remained drowning in debt. It was at this point in reviewing Vanderbilt correspondence with her, HUD regulations, and services that seemed available at every corner of the web that I became active as the primary source of contact with Vanderbilt. The stress had taken its toll on her, our relationship became damaged, and we started XXXX XXXX to try to keep our family together. By this time we were already behind on XX/XX/XXXXand XX/XX/XXXX mortgage payments, our payments are $ XX/XX/XXXX/month. Reading through their letter declining modification or any assistance based on the affordability of our home based on income to debt ratio, really became frustrating. I began regular correspondence and questioning of assistance. I started online researching to HUD, supposedly government mortgage assistance, even confirmed again that my XXXX XXXX military time was not equivalent enough for those program assistance ( a status not once in my life, even as a student did I attempt to claim ). By XX/XX/XXXX, Vanderbilt assigned a new single point of contact, XXXX XXXX at Ext XXXX. Now several things, one even with their extension, when you call you dont get to talk to whom you want or an extension they fairly aggressively tell you that that can help you. But in the phone calls from XXXX, I felt she was an advocate, not wanting us to lose our home. Wanting to understand our finances more. For several weeks we worked collaboratively. I provided many paycheck summaries, showing the variation from their always used $ XXXX/hour pay rate, to the 80 % reduced rate. Showing despite hours worked or hours leave the same {$190.00} health insurance, {$210.00} for 401k loan 1, {$41.00} 401k loan 2, {$180.00} child support 1, {$150.00} child support 2, & {$4.00} life insurances come out every 2 week check. That is a total of {$800.00} each bi-weekly check not counting taxes taken. At a reduced rate ( 80 % ) when on leave for 80 hour pay period it is {$1300.00}, after those deductions and taxes take home is minimal. Being on leave is extremely harmful to our lives financially. Take home is reduce $ 400-500 bi-weekly when on leave versus at work hours. In addition for hardship explanation we were left compelled to share a lot of personal information and story. My medical histories and diagnoses of issues, explaining my struggles with intermittent leave. Looking back and re-reading the hardship letter written for some reference in writing this explanation, I am shocked how vulnerable I was and how releasing I was in the desperation we are in. I even went as far as provided true utility bills, accurate monthly pharmacy expenses, and estimated commuting fuel expenses. All of this was sent in faxes, the primary correspondence being sent XX/XX/XXXX. Vanderbilts response after review was that the home was still affordable based on income to standard % housing calculations. XXXX appreciated advocacy was turned to same supervisory answers. XXXX XXXX, same as XX/XX/XXXXrequest denied any modification assistance still citing home is affordable. Repeated calls and confusion to the works provided and their review were made. We were even advised that any monies less than the full amount passed due, wouldnt be applied to the mortgage. That those funds would be held in a separate account until full due received, or something legal like that. There is a statement similar to that on each monthly statement : Each partial payments received are not applied to the loan, but instead are held in separate suspense account. The funds will be applied when the remainder of the payment is received. ( Can elaborate further but until a recent phone call with Vanderbilt & XXXX XXXXXXXX XXXX XXXX conference, we were led to believe no monies unless full balance passed to would even be applied to loan. Therefore with no cooperation to assist keeping home, or working with us. We stopped even considering managing payments to Vanderbilt. ) A supervisor XXXX XXXX who took one of the escalated calls told me nothing could be done, they could perhaps provide us some assistance in moving expense. This phone call occurred the first week of XX/XX/XXXX. ( A letter dated XX/XX/XXXX from XXXX wasnt received until XX/XX/XXXX, 3 days before my XXXX, the letter was a true offer of Deed in Lieu of Foreclosure. ) It was at this time we stopped really dealing with Vanderbilt alone and direct, though recently further phone calls with an associate XXXX have been made. Through internet research and ads still claiming Obamas Mortgage bailout assistance available, expiring in XX/XX/XXXX ; I did find several services promising help. I first began with a very friendly seemed-advocate person named XXXX XXXX, from XXXX XXXX XXXX XXXX. Again very personable, all about helping us. Since at the time just gotten default notice from Vanderbilt on XX/XX/XXXX he provided all assurances they could keep us from losing our home. Considering our hardship, outrageous interest rate, and odd mortgage term they could most likely reduce our monthly mortgage rate. During one of the initial calls he conferenced in Vanderbilt confirming rates, terms, balances, and what assistances had been requested, offered, and denied. I completed required paperwork, application, and faxed data including copying XXXX on the very personal hardship letters provided to Vanderbilt. XXXX seemed very legit. Their website is filled with testimonies, their business ratings and accolades well-advertised. XXXX copied me on correspondence with attorney XXXX XXXX at XXXX XXXX XXXX XXXX. I sent them the Lien in Lieu of Foreclosure when received XX/XX/XXXX; and despite having fairly evasive XXXX XX/XX/XXXX ; we scheduled a conference call during our long commute home from hospital XX/XX/XXXX afternoon to discuss our case review. Vanderbilts Deed in Lieu of Foreclosure offer, letter dated XX/XX/XXXX ; received post mail XX/XX/XXXX ; offered {$1000.00} if we could vacate the property in good condition by XX/XX/XXXX. The offer though negotiable was to expireXX/XX/XXXX. On XX/XX/XXXXon our way home from hospital in XXXX XXXX, we received only a call from XXXX making sure we would be available for the next 20 minutes. 2 hours later, we received a call from someone in claims at XXXX. We were initially advised it would be some sort of conference call, with XXXX, the law office, and claims. But only the claims gentleman was on the call, it was near XXXX Central time when he called. His news was amazing at first, they could keep us from owing the back mortgage monies piled up ; and keep us from losing our home. We were ecstatic, even fist bumping as the call started. But then the tone of the business changed. As fees and monies needed discussed. Four monthly installments of $ XXXX/month would retain their services, for which at the end of four months we would just continue mortgage payments to Vanderbilt, and the past due mortgage payments and the further months accrued would be added to the end of our mortgage terms such had be completed twice before by Vanderbilt. They then mentioned that though there was NO GUARANTEE, that he had experience with Vanderbilt from other clients and that they could possibly get our monthly rate reduced, but couldnt even begin to state to what rate. That the Obama created mortgage assistance programs had expired, that mortgage assistance privately is internally provided and required by HUD regulations, but Vanderbilt controls their assistances offered. While I was pretty stoked still, she was not. While continuing to drown in debt and juggle and struggle, paying that expense to retain, buy perhaps a season longer in our home to only be back in the same place come fall/winter struggling with a payment XXXX/Vanderbilt wouldnt modify or reduce. We have remained at that impasse since. From this point without agreement or date promise to pay XXXX, their calls and contacts became so much less advocacy and more sales/collections like. This definitely steered us away. As the XX/XX/XXXX deadline approached ( 4 days XXXX ), at really her request I contacted Vanderbilt once again. They were made aware of my XXXX several times, even calling day prior for a collection/update. The Vanderbilt associate I spoke with seemed to understand our dilemma, and verbally on phone agreed to hold off any further actions for 2 further weeks,XX/XX/XXXX. We wrestled with the challenges and concerns of XXXX & Vanderbilt collectively. I even tried alternate similar services, though didnt take process/application as far who admitted they have a $ XXXX- {$5000.00} retainer. She went and visited informally with attorney at bankruptcy options, none of which made the home affordable. We understand that a millionaire can by a mansion, lose all his money and then lose his mansion. We dont live in a mansion. It is a modest home, per web-based appraisals as high as {$150000.00}, but we have always thought it closer to {$120000.00}. That is frustrating that it is an {$80000.00} balance, and we can get no solid support from Vanderbilt. In desperation I began federal government searching, coming across a HUD XXXX number. Its system requested I enter my zip code to find the closest assistance office ; it found none near home, but offered an alternate XXXX number. I called that number, had an intake interview with a gentleman providing me information about HARP program, case call-ID #, and XXXX number to XXXX XXXXXXXX XXXX XXXX. My first phone call to XXXX XXXX representative XXXX, lasted for near 4 hours. She took all our financial information and story. Provided us information about scams and paying for mortgage modifications. Told the story directly when discussing our budget and monies how much deficit we are currently in. For weeks now I have been working through the scam avoidance site, bankruptcy education, budget assistance, and reduction of the deficit possibilities. I have been calling Vanderbilt also, but not finding any further validity to potential modification. COMPLAINT SPECIFICS : During XXXX intake interview, we called Vanderbilt she verified information about the mortgage speaking with Vanderbilt associate XXXX, of whom I have spoken with on multiple occasions now. While XXXX was there online for support, she did let me ask and get full summary of the situation, Vanderbilts position on the account and history of requested support. Here is where it gets me, and apparently got XXXX with XXXX XXXX, as she insisted I contact you and file a complaint. In a single phone call with Vanderbilt representative XXXX, assistance was denied based on the home is affordable based on their review of income ( as explained earlier, with their consideration only of my $ XXXX/hour ) ; then in micro-moments later as I questioned options of modification assistance can not be considered because we cant afford the home. Literally in one moment, just minutes really of conversation the entire denial spectrum from havent helped because we tabulated our percentages and it shows its affordable to the now wont help because you cant afford the home. With the very list of options on their own denial letters, no assistance other than the short notice Deed in Lieu of Foreclosure is considered. Considering what I understand these internal programs are supposed to offer mortgage clients this doesnt seem right. They should have helped when her income dropped, they should have helped now. Our mortgage interest is really off standard as is our year terms. I am continuing to work with XXXX XXXX and trying to convince my girlfriend, paying Vanderbilt the entire passed to would get us some time to work with XXXX XXXX, Consumer Finance and others to see if modification possible. If not, we can explore listing the home for sale and or other options. I agree we will struggle to continue to pay this mortgage payment monthly, but catching us up will buy us some time to be in a better than foreclosure lost position. I dont know if the home would sell, I would prefer us to keep our home or sale for enough profit to help our debts and set us up for smart financial future. The addition my health uncertainties, benefit payments, and job status really adds to the struggles making a smart decision. XXXX on that phone call gave us until tomorrow, to make a decision. She and I will be making a decision whether or not to for the last possible time drain some retirement she has to buy that time. She is not sure that is a wise investment of the minimal monies we have, considering the likelihood of losing the home anyways without some sort of modification. Please advice.
01/24/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	VA 231XX	Web	Older American
My home suffered damage on XX/XX/XXXX due to a severe storm. I filed a claim with my homeowners insurance. An agent came out surveyed the damage, processed my claim and cut 2 checks. I started looking for a reputable company to start on the repairs. When the check was sent it stated that the mortgage company needed to endorse the check as well. I called to receive instructions. I was told by the mortgage company to sign the check and they would send the check back. I was also told before I did that get 3 estimates to do the repairs. I found 2 companies but they wanted half the money up front. I found another company XXXX XXXX who was willing to come out and do a free estimate and accept a down payment. The roofing company came out and at that time it was a repair. I sent the estimates as vanderbuilt mortgage finance requested. I signed the check and mailed it. After a week I called to find out the status. They told me I wasnt specific in which roofing company I was using. Then this customer service worker in the claim dept said well we are going to send the check but it would only be half. I stated why would you send only half the check?? They said that their policy. I said ok well just process this because the situation needs resolution. I accepted half at no choice because I wanted my home repaired. That knocked out the other 2 companies because they wanted their money upfront. I can not pay out of pocket. Im retired on a fixed income. Thats why I have home owners insurance. I was instructed to send another invoice pick a company then send that. In the meantime XXXX XXXX had to be called because the damage was getting worse. The snow and rain and wind caused a mold problem. They tarped the roof and pulled all the moldy drywall and insulation. I paid a {$29.00} fee and was told I would be billed later. That left a large wall missing in my bedroom. They tried to cover up the wood for the missing drywall but it kept coming off exposing me to the elements. I had to get a heater and use several blankets to keep warm. I sent the info requested and waited. Dont hear anything so I called. I was told they didnt get all the documents. The rep state what she needed. I said I sent all that stuff in weeks ago. You need to check the office and your email or fax. I resent all the info and the check was already mailed. I was told this process takes time. I said I dont have time I got rain, snow, cold and wind and you all are losing info. I need you to do your job so I can get my house fixed. There was back and forth with different folks one person saying one thing and somebody else saying something different. Finally I asked for a supervisor. Mr XXXX stated ok ms XXXX we got everything we are processing it and we will get back to you. Im like when this been going on too long. He asked me to bare with him they were working on it. So Friday XX/XX/XXXX over a week past our last conversation I called the claims dept again. This time I was told a check for about XXXX was cut and I should get it anyday now. I said XXXX thats not what I was told was going to happen. I was told that the check for XXXX would be cut in half I know how to count thats not half of my check. Mr XXXX stated that I was misinformed and they cut the cost of repairs in half not the check itself. XXXX XXXX estimated the replacement at about XXXX. In the meantime XXXX XXXX returned to inspect any further damage and now we have moved from a repair to a full roof replacement. The XXXX check isnt enough to purchase the materials to even begin the replacement. I was told to get the roofing company to write another estimate for the cost of materials. Im like you already have that. If the XXXX check was cut I half, it would be enough to get started. But you didnt honor what I was originally told. You didnt pay for a home owners policy, I did. You have no right to hinder me from getting my home repaired. You are subjecting me to unlivable conditions unnecessarily. Getting another estimate would take time I dont have. There another snow storm coming and more rain. I am very displeased with the tactics and dishonesty of Vanderbilt mortgage. Ive done very thing they asked. As of today Thursday XX/XX/XXXX I am still living under these horrible conditions. I am XXXX years old and I deserve better than this. Vandebuilt mortgage needs to be held accountable for all the damage that has occurred due to there lack of action. They are negligent in allowing to force me to still pay a mortgage on a home and subject me to live under these horrible condition. I need those funds released immediate so I can get my home repaired. This check is enough for me to get my home repaired and end my suffering. Vanderbilt is holding me hostage in this situation. This is the reason this complaint I being submitted. This is costing me more than it should.
05/16/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PA 15068	Web
I was behind on payments, off and on since XXXX . Had been caught up towards the end of last year when I lost a job - ended up not being paid for 3 weeks work, which adding to taking a couple weeks to find a job, meant 5-6 weeks with no income. During that time my father fell ill ( and eventually passed ) and my wife and I moved in to their home to take care of Dad while he was with us and Mom for the future ( she 's in a XXXX ). None of that re ally matters, I fell behind obviuosly on the payments and was trying to sell the home. Not getting any decent offers, I came one day to get some of our furniture to find a letter FROM the mortgage company taped to the front door - offering a " {$500.00} Relocation Assistance Payment ''. Terms of the deal were, we had to be out of the home by XXXX , it had to be " broomswept condition '', and we had to leave fixtures/landscaping in place. We called to accept and were told that the check would be issued " within 5 business days of home inspection ''. Home inspection happened some time the following we ek, they claimed " personal property '' was visible through windows and they " did not enter the home '', however, the front door deadbolt was unlocked when we surrendered home, and was locked when we went back - we had left a key on the counter as instructed - the ONLY way that could have been locked was either, someone entered the home and locked it from inside and left by the back door, or they went inside to get the key and left by the front door and locked it with the key. There were no personal possessions there. We had left a fire extinguisher in the kitchen on purpose and accidentally a small trash ca n in the bedroom clo set which we removed. Called back, was told that as of XXXX all was satisfied, power was still on though - they actually had asked me to leave power ON, which I understood, do n't want pipes freezing and all. So they wanted it off, I got it turned off the next day, and XXXX said check would now be issued. I called the following week, XXXX again said the check would be issued that week, he 'd find out when and call me. Each day he said he 'd find out and call me tomorrow, each tomorrow I 'd call again and get the same story. Last week he finally transferred me to the Remarketing Department, saying they were responsible. Remarketing Department said XXXX 's department had to request the check. Promised me they had gone over the process with XXXX and it would be done Monday. XXXX said I should call her Monday XXXX XXXX / XXXX / XXXX XXXX to confirm it was all done so check could be printed overnight and mailed Tuesday. I called XXXX back Monday afternoon and she said there was a problem and XXXX would call to explain wit hin an hour. Two hours go by, I call back and ask for XXXX , who now informs me " the check wo n't be sent until the home is removed, cleaned up, sold, and if we make enough profit we will then send you {$500.00} ''. I told him that was not a condition of their offer, which I have in writing. Removal of the home is not even a condition. The final condition was turning over the keys which I did on XXXX / XXXX / XXXX . He refused to transfer me to his supervisor, so I called back for the next 2 hours until I got XXXX , who claimed to be a supervisor, and confirmed everything XXXX had told me and told me he did n't care what I thought that 's how it 's going to be - so I told him you do NOT have my permission to remove the home! We were promised a {$500.00} payment for leaving - not for waiting for some third party company to move a house and sell it and XXXX knows if they 'll sell it for enough to profit. This is absurd. The point of the {$500 .00} Relocation Assista nce Payment was to get me out and save them money so they did n't have to deal with foreclosure - and I accepted because that would have benefitted everyone, me by having some help with finances and avoiding foreclosure, and them by not having to spend tons of money on lawyers and court fees for foreclosure! I am not letting them have this house unless they pay me the {$500.00} that THEY OFFERED ME!
07/14/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28390	Web	Servicemember
My name is XXXX XXXX. In XXXX or XXXX, the military transferred my husband to XXXX XXXX. This move would put me closer to my ailing mother which seemed a plus for us all. The base, however, had a long waiting list for families wanting to move into their housing. After looking at our options, we decided to purchase a mobile home from XXXX in XXXX NC. Unfortuantely, the representative told us lies that would have prevented us from buying our current house and taking on the mortgage if we 'd known the truth. First, we were told that for insurance purposes, our bricked in mobile home would count as a regular house on foundation. It does not and we pay more insurance because of this lie. Second, and most importantly, we were discouraged from using our VA loan. The representative out right lied to us and told us VA would n't cover a loan for a mobile home. She even put us on the phone with who she said was a representative of Vanderbilt. The man told us that although he could see our money was tight, he would trust us to pay off our mortgage so he would approve our loan. This seemed odd and did not follow the process that we 'd used in a former home that had been approved by a VA lender. We assumed that other home loans are n't as strict and accepted XXXX and Vanderbilt as being honest. This year, we started a search for a new home. Much to our shock, the first realtor we used told us that VA does cover homes such as ours. We were so certain that XXXX had n't lied to us that we decided not to use that realtor. When we told our friends, they assured us that their house, which sits on the lot next to ours, was purchased with a VA loan. We 're in a bit of shock still. We would have felt safer with a VA loan because the process of getting one is pretty strict. Vanderbilt and XXXX lied to us when we trusted them. Not only that, but our neighbor 's loan through a Va Lender, taken at roughly the same time as ours is only 3.0 % while ours is 7.0 % I realize that there is nothing that can be done for us. It is n't like Vanderbilt will admit wrongdoing and forgive us the remainder of our loan. However, perhaps you could bring forward legislation that would protect service members in the future from such tactics. Companies would have to provide Veterans with paperwork informing them that they have not only the option to use VA loans but that mobile homes are not considered houses for insurance purposes. The Veteran or active duty soldier would have to sign the paperwork. Enlisted soldiers are not highly paid and our governtment should seek to protect the men and women who serve or have served their country. Because I suffer from XXXX XXXX XXXX, I 'd rather you contact my husband, XXXX. I included his phone number but contact via email would be preferred. I am sending copies of this letter out to several representatives. If you have any ideas of who else might be interested in protecting military members, please let me know who to write I am including a little more in this note than what I included with my state representatives. First, we 've had difficulty with the house since we moved in. Although the company offered us a year 's waranty on the house, they always acted annoyed that we asked for their services. They told us that the crack in the celing above the bathtub should be ignored as mere ornamental damage. We suspect that the septic system is too small for our house and some of the electrical sockets/recepticals? were n't probably fixed into the wall. They can slip out. Also, the electricity does n't work at all in a couple of light fixtures. After the year warranty was up, our cabinets in the kitchen literally fall apart. Altogether buying with XXXX has been a miserable choice that we would not repeat again. Like I said, nothing can be done for us now but perhaps something can be done for other soldiers/veterans. XXXX XXXX I do n't know if this helps but the HUD number of our house is XXXX/XXXX The Manufacter serial number is XXXX plant number XXXX. We live on the XXXX county side of XXXX XXXX, NC
03/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30328	Web
Vanderbilt Mortgage. On XX/XX/XXXX I refi financed my mortgage with another company. The closing attorney sent final payoffs via check because Vanderbilt doesn't accept wires. The final payoff check was sent overnight via fedex to their payoff department, it was confirmed and received on XX/XX/XXXX via tracking number. The payoff provided was good until XX/XX/2021. My payoff amount was for {$530000.00} of that {$530000.00} was for principle, {$1500.00} for tax, and a {$12.00} doc land fee. The tracking number was XXXX. I have had to call over 5 times now requesting that everything has been resolved due to when I went online the company kept showing a pending balance still on the loan due to the fact they incorrectly applied the final payoff wrong. Each time I called I was told to call back in a week ... fast forward we are now over a month out and this still is not resolved. APPLYING final payoffs is nothing new but this company consistantly can't get it right and I am afraid this will now effect my credit along with still being outstanding for over a month. The final payoff via check was sent by XXXX XXXX XXXX, XXXX. I have copies of the check, tracking information, and the final payoff quote Vanderbilt provided by closing attorney. Outside of they miss applying the final payoff correctly I was told two weeks ago it had been resolved and my escrow balance would be closed out and check sent for about {$1100.00} dollars in which during that time I told the represented that still not correct. The company hasn't honored the final payoff quote and as of this morning on XX/XX/2021 they are still showing a pending balance of XXXX which is wrong it should be XXXX. I can see online they have reversed the payments, escrow amounts over 5 times and yet its still incorrect. Even though they received the final payoff on XX/XX/2021 they applied the payment on XX/XX/2021 for XXXX - {$1600.00} went to Principle, {>= $1,000,000} went to additional principle, {$3400.00} went to Tax, {$1800.00} went to escrow and then left a remaining balance of {$3600.00}. On XX/XX/2021 all of that was reversed as I can see online but the reversal makes no sense {$530000.00} was the total amount of reversal in which principle - {$820.00}, additional principle - {$520000.00}, $ XXXX interest, and $ XXXX for escrow ... which then left an outstanding balance of {$530000.00} ... STILL NOT correct based off the final payoff amount quoted that my attorney acted upon and sent final payoff check. On XX/XX/2021 Vanderbilt also processed a service charge of {$2100.00} which makes no sense and of that it was applied $ XXXX principle, $ XXXX interest, {$3200.00} to escrow, and minus $ XXXX " other fees ''. and after all this it left an outstanding balance of {$530000.00} which matched the principle payoff quote number only. I am very concerned Vanderbilts process for processing final payoff shouldn't take this long or be this confusing as this should be a normal standard process. I am also concerned since this as taken over a month to resolved and every time I call them I am told its processing/fixed it truly is not and keeps showing a pending balance in which I do not want it to effect my credit report. I expressed my concerns this morning when I was told to call them today on XX/XX/2021 at XXXX to call BACK AGAIN on Monday XX/XX/2021 and it should be resolved but I have no faith in that so my hands have been tied in this whole process. I also expressed to the rep this morning when I call back on Monday XX/XX/2021 if this is not finally resolved I would take legal action and file complaints. Based off that conversation Vanderbilt has been no help at all and I have decided to file this complaint today. I am willing to provide any additional information if needed. I really hope they get a handle on their processes when it comes to correctly applying final payoffs correctly.
12/15/2015	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	TX 751XX	Web
Vanderbilt has turned my account over to a law firm, XXXX, XXXX , XXXX XXXX, XXXX, that contacted me to discuss settlement of the account without properly identifying themselves as a debt collector. XXXX XXXX XXXX contacted me on XXXX XXXX, 2015 identifying himself as an attorney who had been retained by Vanderbilt to " handle '' our account. The following is an email in which I have recapped the entire conversation : XXXX XXXX, I appreciate the call yesterday afternoon and believe that a resolution can be reached in this matter. However, I do need to clarify that the amount you have listed as " my offer '' was suggested by you as the median amount between {$28000.00} and {$42000.00}. I must say that I was a bit surprised to be receiving a call from one of Vanderbilt 's attorney 's considering that I have made every effort to communicate with Vanderbilt throughout the entirety of this ordeal. Communication notably decreased after I submitted a formal complaint to the CFPB. Emails went unanswered and phone messages were not returned until yesterday when you contacted me. To recap our conversation, you stated that you had read all of the correspondence between myself and Vanderbilt as well as the CFPB complaint and subsequent responses. So you are well aware of the situation we are in as it relates to the delinquency of the account and you are also well aware of the grievances we have against Vanderbilt. I have written extensively on the topic and do not wish to reiterate it other than to say that their actions have caused an enormous amount of stress to our family. Their business practices are despicable and merit the full attention and scrutiny of the governing regulatory agencies. At the onset of our conversation, you proposed XXXX offers that I had previously rejected. The first was " land in lieu '', and the second was " cash for keys. '' Both involve the complete relinquishment of the property and all rights to legal recourse in exchange for a release of obligation and/or " packing money. '' You proceeded to discuss the payments in arrears asking if and when these payments could be made. We then discussed the settlement offer proposed by XXXX which I countered. Your words to me were, " in all of my experience dealing with settlement cases like this one, the homeowner is rarely able to come up with the settlement amount. ' You also made it clear what your primary role is for Vanderbilt when you said, " I do n't like to, but I take people 's homes and property away from them everyday. '' Your call, XXXX XXXX, was clearly a debt collection call and was not prefaced as such. This call could be taken a number of ways, all of which violate FDCPA and TDCA. 1. Failure to identify yourself as a debt collector. 2. Failure to state the purpose of your call as an attempt to collect a debt. 3. Failure to inform me of my rights as a consumer. 4. Use of intimidation, coercion, and threats as method to collect a debt. You explained that any settlement reached with Vanderbilt would include a clause stating that I would forever relinquish my rights to legal recourse against Vanderbilt and would drop all allegations against them. So, in conclusion, I am willing to speak with you and otherwise correspond with your firm to bring about a fair resolution to this matter. Forgiving the violations committed by Vanderbilt and releasing them of any and all legal obligation will be difficult. A settlement that is mutually beneficial is the only one that will be considered. Until then, we remain committed to our monthly obligations ... we will not surrender the property as it is still home to XXXX .... This company continues to violate the rights of the consumer and I ask again that they be thoroughly investigated. The entity that they have retained is no longer allowed to contact me due to their deceptive practices.
08/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 751XX	Web
We have a manufactured home financed through Vanderbilt Mortgage. Throughout the entirety of the life of our loan they have conducted business in some of the most unscrupulous ways known to the mortgage industry. The whole process with Vanderbilt was challenging. Interest rates were abnormally high considering that rates had significantly declined. But it was n't until I lost my job that the true colors of this company were revealed. After looking deeper into how this company treats the consumer, I now know that this type of behavior is on par with how Vanderbilt associates are trained to collect, intimidate, and humiliate the borrower. They obviously have never sat in on a single class to learn about the parameters set forth by the fed on debt collecting. When we were unable to make the payments due to the loss of employment Vanderbilt associates made endless harassing phone calls. They called my family members telling them " they were unable to reach me and were very concerned since we had fallen behind on our payments. '' This information is private. I was in constant contact with them updating them on our situation, job search progress, etc. They sent " field agents '' to my home unannounced in the evening when we were trying to have dinner. The field agents refused to identify themselves and would only say " we are here on behalf of Vanderbilt. '' I have XXXX children. When someone comes up to my door, on my property, and I do not recognize them and they refuse to identify themselves, I get very nervous. XXXX time, my children told me that there was man walking around the house taking pictures! He never came and knocked, and when I approached him, he simply said he was there at Vanderbilt 's request and that I should call them if I had any questions. These tactics are unacceptable, intrusive, and unsafe for all parties involved. My wife and I have been berated and humiliated many time and by multiple collection agents at Vanderbilt. I have had been asked 'why I did n't care for family ', 'why had n't I taken a job at XXXX ', 'why my wife ( who was XXXX ), had not sent the kids to public school and gotten a job ' and such things as 'you do n't want your children put out on the streets do you? ' I have received backdated notices of default and letters of intent to initiate foreclosure proceeding. Most recently, Vanderbilt had told me to contact them after we were able to make XXXX consecutive payments and they would offer us a settlement on the property. I did, and the portfolio manager led me to believe that they would be straight forward and follow through on their offer. He asked for pictures of the property inside and out. I provided him with many photos and a condition report on the overall property. After all that I did he responded, " Based on the information you have provided to me, Vanderbilt will not be able to agree to a settlement on your existing mortgage at this time. '' This was extremely disingenuous and misleading. After many emails explaining that his actions constituted a UDAAP violation, he made an unrealistic offer to cover up their refusal to make XXXX in the beginning as they said they would. This company has added undo stress to our family in the most critical times. They have humiliated us publicly to our family and personally. They have violated multiple federal regulations including ECOA, FCRA, FDCPA, RESPA, and UDAAP to name a few. They are well known in the industry for these practices and have done this to many other consumers. This company should be investigated and be mandated by federal authorities to cease and desist from these practices. They should be held financially liable for damages caused to the consumer. Vanderbilt epitomizes the reason that Dodd-Frank was passed and should be heavily scrutinized by industry regulators.
11/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 245XX	Web
I am reporting Vanderbilt Mortgage for providing false information to XXXX XXXX insurance. My father originally cosigned for the mortgage when the loan was first established. He passed away in XXXX. I filed a claim for roof damage in XX/XX/XXXX. Since my father passed away Vanderbilt removed my name from all correspondence and replaced it with the Estate of XXXX XXXX XXXX. Technically this is my grandfather. My father was XXXX XXXX XXXX XXXX. I have attempted to get this reverted back to what it was originally to no avail. To date they continue to keep the Estate of XXXX XXXX XXXX on all bills. Vanderbilt reported my father as the primary account holder to XXXX according to XXXX XXXX ( XXXX claims manager for this account ). They failed to mention that they listed this as an estate & that I was the person making all of the payments. In fact I was never mentioned at all when the information was gathered for payment. The checks from the insurance were issued to my deceased father. His estate does not exist and has been closed since XXXX. These checks were stopped after I contacted XXXX & let them know what Vanderbilt has attempted to do. I am the person that has made every single payment on this mortgage from day one. Vanderbilt said they could remove the Estate information if I refinance, other than this option the Mortgage will remain in the Estate of XXXX XXXX XXXX. Meanwhile, my deceased fathers name is on the checks to get the roof fixed and he obviously does not have the ability to sign. Vanderbilt is refusing to provide XXXX with my name to get this issue resolved. I do not have the legal authority to sign his name. I changed my name legally in XXXX & sent the documents to Vanderbilt. I have recently resubmitted the same documents to include the court order of name change, a copy of my social security card and drivers license. This property was NEVER part of the estate. It was a loan that my father cosigned. Yet Vanderbilt allowed my sister in law to get a copy of payment transcripts & billed this account & put this property in to the estate. My sister in law was never any part of the estate settlement, power of attorney or executor of the estate. They refused to speak to me although I am the sole payer on the account but she was provided with all the information she asked for which breeches privacy of this account. I was in a car accident in XXXX & XXXX XXXX XXXX I did miss a payment waiting on my accidental insurance payment. I caught the payments up as soon as I received a payment. This late payment is preventing me from refinancing with another company until XX/XX/XXXX. I will not be refinancing with Vanderbilt. However, I will have difficulty getting a loan with any other bank because they will not put my name on this loan. When they do include my name it is my married name that was changed legally to my maiden name in XXXX. I have explained this to Vanderbilt customer service several times but the typical response is refusing to remove a closed Estate from the account or acknowledge that they are keeping a deceased man as the primary account holder. Vanderbilt is attempting to gain the funds from the insurance claim by lying to XXXX XXXX XXXX stating XXXX XXXX ( not the Estate ) is the account holder. They are preventing me from refinancing with another mortgage company because of this loan remaining in the name of a closed estate and refusing to acknowledge my legal name change that occurred in XXXX. Vanderbilt told me the only way this would be removed is if I refinance. With this current situation the only way this could happen is if I refinance. My chances of refinancing with another lender is low since this loan is still in the name of an estate that was closed in XXXX & does not include my legal name.
06/11/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98662	Web
Hello, My mom and dad bought a home from Vanderbilt Mortgage company back in XXXX. He was the only one on the title even though they have been married for 45 years because they both believed that the husband buy the home and the woman takes care of the home. so he bought it in XXXX of XXXX they moved it into a park in XXXX and lived in it together every since. My dad got really sick and ended up in the hospital around XXXX of XXXX and ended up XXXX XXXX. My mom still being married to him called vanerbilt and told them that he had passed away and that she would need to be put on the title because the park where the home is located requires it to be owner occupied. They told my mom that they could not put her on the deed or transfer the title until the loan was paid off, despite that XXXX is a community property state and she was the surviving spouse. this caused my mom to go through hardships with the park where the home is located. I am the daughter who moved in with my mom and dad back in XXXX to help care for my dad and mom. I lived her with them the whole time. in XXXX of XXXX I came home from work and my mother was on the ground outside because she had fallen and couldn't get up. so with me working two jobs and going to school XXXX XXXX I decided that I could not take care of my mom the way she needed to be cared for, so we decided to send her to my sisters house in XXXX, she was a stay at home mom and could care for mom better. we send her to live with my sister in XXXX of XXXX. After mom had left that left me responsible for the home. I paid Vanderbilt XXXX dollars in XXXX at which time they told me that my mom was three months behind in the mortgage, I sent them in XXXX another XXXX and then in XXXX covid hit XXXX hard and I lost both of my jobs.. I still tried to come up with the mortgage here and there when I could get money but my unemployment didn't come through for 8months. at which time I had pretty much lost everything. My car was repo'ed and I lost my phone, cable, my water was shut off once before the governor said that couldn't happen anymore, and the bills kept piling up. I had wrote to Vanderbilt several times asking for the forberance and they denied me saying that my mom got one in XXXX so they could not give me one. I did a loss mitigation packet back in XXXX of XXXX and they denied it saying my situation wasn't perment, I wrote them another letter asking if they had any kind of help that they could give me because I had no money for the mortgage, they sent me a letter saying they would pay me {$500.00} dollars to move out of the home. I sent them another letter telling them that covid had made it very hard for me and I needed them to help me get caught up on the payments because i was diagnosed with XXXX and had to go through XXXX they sent me a paper that said they could break the payments up in three payments with the first payment being XXXX dollars and i needed to come up with that in six days. they have refused to help me no matter what i did and I asked many many times for help. now, they are suing me for the remaining balance of the home or they are taking it and selling it. this company has not worked with me or my mother at all to try and help us keep my dads home. the day I called to talk to some one about the forberance a lady got on the phone and instantly started to be rude and say that the loan was in default and asked me all kinds of question about my income and credit. I have tried to work with this company and they have not worked with me at all. my dad was never late on a payment and always paid on time. I feel that they should have helped me more with trying to keep the home instead of making to where I had to leave the home.
09/07/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MO 63028	Web
On XXXX my home was damaged during a thunder storm. There was extensive damage to the roof, siding, soffit, facia, gutters, air conditioner, irrigation system, fence, and landscaping. The amount of damage was estimated at {$21000.00} by my insurance company. The morning after the damage occurred I notified my insurance company and they advised me to secure my property from further damage which included tarping the roof, putting up temporary fencing etc.. They also requested that I have the tree debris removed prior to the field adjuster coming out so that all damage was visible. During this call I was notified that my insurance company ( XXXX XXXX ) was required to list my mortgage company as a payee on any disbursements. I then purchased materials needed to secure the property, and removed the damaged fencing and submitted bills to the insurer totaling {$390.00}. Within a few days I had a check for reimbursement, I then had to endorse it and mail it to my mortgage company. My mortgage co. then took over two weeks to return this payment to me. Two days after the damaged occurred the landscape contractor arrived to remove all of the tree debris from my property. The field adjuster was not scheduled to arrive for another week and a half so I checked with XXXX XXXX if it would be ok if I paid the landscaper out of pocket because it would be a few weeks before the claim would be paid. They said that was fine with them so I paid the {$1700.00} bill for the tree removal from my personal checking acct. My air conditioner was also rendered inoperable which was a major concern because of the very high temperature and humidity we were experiencing and it was very uncomfortable for my wife and infant son. Luckily the HVAC contractor that I use had a very brief opening so after again conferring with XXXX XXXX I had the air conditioner replaced and also paid that {$2700.00} bill out of pocket. XXXX XXXX field adjuster then came out as scheduled and did her portion. She did inform me that due to how their claims process works they would be unable to issue a separate check to cover the two bills that I had already paid out of pocket and that it had to be a lump sum payment issued to myself and the mortgage co. About a week later I received a check for {$17000.00} to cover all damages to my property. I immediately endorsed the check and forwarded it to the mortgage co. along with a letter explaining my out of pocket expenses, copies of the paid invoices, copies of the two checks I wrote, the adjusters summary, and other misc. paperwork they requested. About a week later I received a check for {$6000.00}. This amount only leaves {$1100.00} to get the remaining work started once I deduct the {$1700.00} tree bill, {$2700.00} HVAC bill, and the {$320.00} that XXXX XXXX reimbursed me for my labor. I immediately contacted the mortgage co. to inform then that this disbursement was insufficient because the money I spent was going back into my account so that I did not lose any more interest on this money. I was informed by the mortgage company that I should not have paid these two invoices even though the insurance co. said it was perfectly fine. They are now refusing to release any more of this money until the roof is replaced which can not be done because they are holding the funds to get the work started. Not only have they brought repairs to a complete halt I have not received a credit to my mortgage acct. for the interest generated by the significant amount of my money they are withholding from me. I hope you can help me resolve this so that i can get my home repaired. Feel free to contact me via email if there are any further questions. Thanks, XXXX XXXX
02/15/2022	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 721XX	Web	Servicemember
XXXX I fws a credit app with XXXX XXXX in XXXX Arkansas the salesman 's name was XXXX XXXX. I spoke with them regarding the loan and it was going to be a conventional loan. I recieved loan documents in my XXXX XXXX XXXX XX/XX/XXXX and documents and application were dated XX/XX/XXXX. This documents did not come from XXXX XXXX they were sent to me by the loan XXXX XXXX XXXX he has never been reachable and there has been no communication regarding this loan. The loan should have been closed out and taken from the credit report due to I did not agree to conditions the date of the prepaid stamp with the documents that possessed my personal information had been collected from the post office box and used to leak information the envelope it was collected with was dated XX/XX/XXXX yet the documents inside contract and personal info was dated XX/XX/XXXX. I feel my info was leakwd and action could be used against this company due to my info never reached me and the loan XXXX should have verified the information and recieot of the info. XXXX XXXX also I filled out and it runs as XXXX inquiry. Loan XXXX XXXX XXXX ran my credit spoke to said she had a new approval and it was getting refered back to XXXX XXXX whom was processing the loan in XXXX. I was very confused how the loan would still have the same pre approval off a new credit score. Week later I got a letter in the mail stating my loan was closed and it would not be used against me. Following that I have reached out to veterans united which they connected me to a XXXX XXXX XXXX XXXX Arkansas I declined he declined to work with me mwnriining he was going our of town. Further more several other realtors have had our of town and sick excuse all will communication back together leaking my personal information and passing it between the two. XXXX XXXX. XXXX XXXX and her XXXX with porch light realty and XXXX with XXXX XXXX. I will admit I have been a complicated person due to being nervous to buy a large purchase however they have been only intertwining me bc I have mentioned the reporting or damaging my credit report. Credit source checked my credit for XXXX, XXXX XXXX and checked it several times in the same day. I called credit source my self asking rhwm why they ranbit so much and when would they fix the credit report I went from XXXX inquiry to XXXX when only asking a few lenders to have options. It is now middle of XXXX and XXXX XXXX sends another computer email of the credit history of just now closing our loan. I feel they are willing to work with me on financing a home so I do not feel as or threat from XXXX XXXX mybplan is to work with them in the very near future if same problems arise I will certainly report. However many reators mentioned they had never heard of XXXX XXXX whom also I talked with XXXX XXXX who dwnied me help and was requested I pay a XXXX deposit for a VA loan. This has been a nightmare which should be a happy and dream of your life. I'm now in orosoecr to build in XXXX XXXX Ar under XXXX XXXX XXXX and their underwriters if cornerstone which ran there's under credit source not once but twice in same day. XXXX closed thiers our properly as well as XXXX XXXX did. Most recently on Saturday spoke to XXXX XXXX they spoke with me on recieded line she asked indo and without asking or running the discloser she ran my credit it shows up as factual data. I would like to have help regarding these situations and clarify why these companies are allowed to damage somwoens soul and credit. I will look into legal help as well. Be prepared I'll be reporting car sales later once this is fixed I figured I would get more help here before I proceed to legal. Thank you
02/19/2016	Yes	Mortgage Other mortgage	Settlement process and costs	TX 773XX	Web
I purchased and closed on a manufactured house from XXXX XXXX of XXXX on XXXX. The deal began on XXXX with a deposit of {$500.00} ( Attachment A ). My wife and I were told that the money was only to be held as a deposit, or rather as earnest money. The check should have either been held, as promised, or applied at closing toward the purchase of the home. Neither was done, and the check was deposited by XXXX XXXX of XXXX on XXXX ( Attachment B ). The agreed purchase price was {$87000.00}, plus sewer, hook-ups, skirting, and pad. The total cost of the home was to be XXXX ( all inclusive ). I have provided evidence of the original agreement price, written in the hand of the general manager of XXXX XXXX XXXX XXXX, as well as additional agreed costs, written in my hand, as " Attachment C ''. At closing, the Sales Agreement reflected a base price of {$100000.00}, {$3800.00} more than the original agreed price. It is unclear where the additional monies came from, but the agreement was signed, under duress, as our residence had been sold, based on agreements with XXXX XXXX of XXXX. Buried within the first paragraph of the Consumer Loan Note and Security Agreement ( Attachment D ) is yet another figure of {$100000.00}. It is unclear how this figure was derived, and during closing, this figure was passed over with the amount receiving emphasis being {$100000.00}. This is not only a deceptive practice for the higher figure to be passed over at the time of closing, but it seems deceptive for the dollar amount to be hidden within a paragraph, instead of set separately and conspicuously like the lesser figure. Additionally, all of the amounts listed for the Amount Financed should be the same number. In the Truth in Lending Disclosure, Itemization of Amount Financed ( Attachment E ), the Amount Financed ( page XXXX, line XXXX ) is XXXX. This figure is derived from the seemingly arbitrary {$100000.00}, less {$3000.00} in Prepaid Finance ( page XXXX, line XXXX ). This was explained to me as a dealer incentive, and the offering was for {$5500.00}, as reflected in the Conditional Loan Approval from Vanderbilt Mortgage ( Attachment F ). This would have left a Finance Balance of {$100000.00}. The first mortgage statement came in reflecting a balance due of {$100000.00} ( Attachment G ). The origination fee listed in the Conditional Loan Approval ( Attachment F ) was {$2500.00}. The amount listed in the Truth in Lending Disclosure, Itemization of Amount Financed ( Attachment E ), is {$2800.00} ( page XXXX, line XXXX ). With all of the variable numbers in the closing documents and original agreement, it is not clear what number should be used, how it is calculated, or how it should be applied. Closing took place on XXXX. As of this date, the home that I contracted for has not been completed. I do not believe that the home that has been provided conforms to HUD regulations, at least not in its current state. The set up of the home does not conform to state or federal law, nor does it conform to the manufacturer 's requirements. The current state of the home is evidence enough of breach of contract. The punch list for the necessary repairs is included as ( Attachment H ). The dealer has not made an effort to remedy issues with the home, and complaints are being simultaneously filed with XXXX -- XXXX, XXXX, U.S. Department of Housing and Urban Development, Federal Trade Commission, and the Consumer Financial Protection Bureau. The final attachment to this complaint, " Attachment I, '' is the final correspondence sent to XXXX XXXX, which includes a list of items that have not been completed.
08/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 280XX	Web
To whom this may concern, my name is XXXX XXXX. I live with my wife and XXXX children in XXXX, NC. We have lived here for 9 years. We are terrified that we may lose our home to foreclosure. They have issued an auction date for XXXX XXXX, 2016. Our mortgage servicer is Vanderbilt Mortgage and they have been a complete nightmare to deal with. We have done everything we know how to do and everything they asked from us but the continuous request for documentation over & over again has been costly and exhausting. 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' We have been trying for months to get a loan modification but the never ending submitting of documentation and never being able to speak to the same person twice is not only frustrating but is wearing on our health ; the stress has been overwhelming not knowing if Vanderbilt is going to take our house. One day we were told we could get a refinance and the next day told they do n't do refinances??? Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' We have had several account managers throughout the process and we end up starting over with every new person that we talk to. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why were n't we assigned a single point of contact to assist us in saving our home? We spoke to a XXXX at Vanderbilt one particular time and he told us that our house payment was more important that our daughter attending school and that we should keep her out of school so we could make our mortgage payment. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - Vanderbilt has been very rude and threatening when communicating with us regarding our mortgage. I do n't understand why Vanderbilt ( XXXX ) feels the need to talk down to us or treat us so poorly. They treat us like deadbeats and have no sympathy towards our hardships. We received the " notice of auction '' when we were still attempting to get a modification. How can that be? 1024.41 ( g ) Dual Tracking is prohibited. " Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. 1024.39 Early intervention requirements for certain borrowers - We do n't feel that Vanderbilt has ever provided us with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. It appears, without a doubt, Vanderbilt has violated numerous servicing laws set up to protect mortgagers under the Wall St. Reform & Consumer Protection Act. Please help us postpone the sale date of XXXX XXXX, 2016 so we can submit a new financial package to them showing Vanderbilt we can afford our house, we just need assistance getting it back on track. The interest rate is 9.25 % ; we also need an interest rate that is decent, in line with current mortgage rates. My wife and I are now XXXX and would have nowhere to go and no means to go anywhere if they foreclose on our house. Please help us!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC
01/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28334	Web
We purchased a {$45000.00} home from XXXX XXXX XXXX, XXXX. The home is XXXX sq.ft. XXXX. We we told we had to put our land up for the home, so we were supposedly given approximately {$5100.00} credit towards the home which would have brought the price of the home down to approximately {$39000.00}. Our Finance charges were 9.99 % due to our low credit scores. In some way, HUD is listed on the contract. For some reason or another our payments were {$660.00} per mont and the escrow account that included insurance and taxes brought the total monthly payments to {$770.00} which I thought were a little high so, I asked XXXX XXXX, XXXX North Carolina to send me canceled checks to all companies and people who were paid for services. I did not receive the information. I also knew that there were other little charges added and financed on the account but we did not know that XXXX XXXX put a {$64000.00} home on the contract instead of the {$45000.00} home. I lost my job XXXX, XXXX and ended filing Chapter XXXX Bankruptcy. During bankruptcy, I paid Vanderbuilt Mortgage and Finance Inc.approximately {$53000.00}. After my bankruptcy ended XX/XX/XXXX, I began asking Vanderbilt Mortgage and Finance Inc. Why do we still owe them on a {$45000.00} home purchase with XXXX credit for our land and {$260.00} cash down payment? XXXX XXXX, an employee with Vanderbilt Mortgage and Finance IncXXXX stated tome The home you received is smaller than the home on your contract and if there is a problem, we will fix it. However, Vanderbilt Mortgage and Finance refuses to change my Finance charges and the {$20000.00} that was Finance charges that were added because XXXX XXXX, General Manager at XXXX XXXX, XXXX North Carolina lied and said the {$20000.00} was due to people he ( XXXX XXXX paid when in reality, it was the Base Price of a {$64000.00} home with {$600.00} taxes included. The XXXX sq.ft.home we purchased did not need any work. The date is now, XX/XX/XXXX and under Duress, Stress, and Threats of Foreclosure, we are still making {$750.00} monthly payments to Vanderbilt Mortgage and Finance Inc. We have been threatened with Foreclosure after paying more than {$63000.00} to Vanderbilt Mortgage and Finance Inc . The home is paid in full and I believe we are making payments that we do not owe. This would require a refund. Hurricane XXXX damaged the home in XXXX. Vanderbilt Mortgage and Finance for two years, refused to send payouts from the insurance claim that we were forced to send them due to their name listed as Lien holder on the insurance. By this time, approximately $ XXXXfrom the insurance claim had to be used to make payments on our Mortgage because the primary name on the loan lost his major job so our income suffered more loss and Vanderbilt Mortgage and Finance declined help. The insurance claim was around XXXX. Vanderbilt Mortgage and Finance Inc. sent letters threatening Foreclosure after sending us the other approximate {$6300.00}. So, another {$3000.00} our insurance claim was sent back to Vanderbilt Mortgage and Finance Inc. The damages to our home from Hurricane XXXX still remain and the crew, sent from XXXX XXXX XXXX North Carolina, did not lift the home high enough to level it with the other side. There is still a gap in the ceiling. I have made many calls and I have sent several emails to Vanderbilt Mortgage and Finance Inc. trying to get them to fix these major issues for the past 8 years with out any positive results. The home is not level and throat the past 8 years, I see more and more damages happen.
01/30/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NC 283XX	Web
On XX/XX/XXXX our area was hit by Hurricane XXXX. Our area was devastated and was a disaster area. The area was also declared a state of emergency by the US Government. In a town just a few miles away from my house, there were dead dogs, cows, and other animals floating down the road. We also buried XXXX dogs on our property that had drowned. Houses were destroyed and had to be rebuilt. I had bad damage also, but I was more fortunate then many because I could still live in my house ( although it had many roof leaks ). So I filed a claim with my insurance company, XXXX XXXX XXXX. I was so thankful the way the claim was handled by my insurance company. They came out and did a thorough inspection and not long after that, they sent me a check for {$8200.00} to repair the damages on my home. I received a letter and a check the week of XX/XX/XXXX. I have enclosed a copy of this letter. Because of the amount of my check and the fact that my mortgage company, Vanderbilt, had a financial interest in my home, their name was also on the check. I was told by them to endorse the check and mail it to them and they would take care of everything. XXXX at extension XXXX is my claims rep with Vanderbilt. The phone number there is XXXX. I was told to find a contractor to take care of the damages and they would dispense the funds as needed. I have attached a copy of this letter also. So I began my search for a contractor. This sounds like it would be easy, but it was far from it. I called, and called, and called. There was so much mass destruction across the southeast part of the state, I could not even get anyone to come out. They all said it would be several months before they would be caught up with all the work they already had and that they could not take on any more work. I can also supply you with people I spoke to if you need to verify this. I soon was contacted by Vanderbilt saying I had 2 weeks left to get my work done. That their company uses a 4 month window to get the claim handled. I feel like under the conditions with a federal state of emergency, this policy could have and should have been extended if they wanted to help out. But that wasn't the case. I told them that I was doing my best to get a contractor to come out, but that no one had the time to come out because of all the work going on. I ask you, what else should I or could I have done? So I finally have had a contractor to come out all the way from XXXX. He has agreed to do all the work for the amount that the insurance company provided. I have provided a copy of that estimate also. When XXXX XXXX of XXXX XXXX XXXX called Vanderbilt to get the first cash disbursement sent so he could start on the work, he was told by XXXX at extension XXXX that the entire check was applied to my loan and that if I was to get the work done, I would have to pay out of my pocket ( like I've got {$8000.00} sitting around ). She said that she would not do anything to change the situation. I since called to get documents or a receipt showing that the money was applied to my loan but I haven't received anything. I am an older lady on a fixed income that has been victimized by natural disaster. And now I have been victimized by my own mortgage company. I wonder what the TV and press would do with that story. I hope we don't have to find out. Thank you for listening. I know I can get long winded. I don't have many people to talk to. XXXX XXXX
09/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OK 74801	Web
I have a predatory mortgage loan with Vanderbilt Mortgage and Finance. I purchased a manufactured home through XXXX XXXX who pushed me to use their " preferred lender '' Vanderbilt Mortgage because they would give me the best deal. When it was all said and done I had put down {$30000.00} for the land, had an interest rate over 10 % and I found out that XXXX was part of Vanderbilt, this was not disclosed to me and this was not an arm 's length transaction. XXXX coerced me into using Vanderbilt which gave me a horrible loan!!! However, the story gets worse, as my property is now up for foreclosure auction on XXXX XXXX. I recently went through a rough divorce, and ran into a lot of unexpected expenses. I also took a HUGE tax hit when my withholding changed and my paychecks decreased significantly. I fell behind on my mortgage during this time and missed several months of payments. I was finally able to dig out of my hole and get back on my feet and reached out to Vanderbilt to see if there were any options to resolve the late payments. I was told that they would review my information and see what they could do. I was able to make a lump sum payment of {$6000.00} towards the late payments which was more than half of the delinquent amount and believed this would somehow be resolved. However, instead of offering a solution Vanderbilt said that they would not offer any type of resolution other than payment in full of all past due amounts ( when you add in the almost {$5000.00} of legal fees and junk fees ) the amount came to close to {$10000.00}. Vanderbilt said they would not work with me even though they misled me at origination, put me in a high interest predatory 10 % loan and even though I had put {$30000.00} down on this property and recently gave them a lump payment of {$6000.00}. Vanderbilt said they would not work with me because they " reasonably believe that I have the ability repay my loan under its current terms from my current income. '' What kind of excuse is this? Yes I DO have a job and make sufficient income NOW to repay my loan, but the problem is I am now close to {$10000.00} behind due to my prior financial crisis and Vanderbilt is saying I need to give them {$10000.00} in the next two weeks or they are going to auction off my home. Why ca n't they offer me some sort of repayment plan or put the late payments back in the balance or consider ANY options? This seems like it is all part of a sinister plan -- XXXX XXXX steers me to use a company that they are affiliated with and sell me an interest rate over 10 % after I put down {$30000.00} towards the property. When I run into trouble they have me scrape and scratch to give them everything I have ( {$6000.00} ) with the promise that they will work with me to resolve the rest of the delinquency. However, after I send my information in they say they ca n't help me because they think I have the ability to repay the loan under its current terms. And oh by the way, we added on {$5000.00} in legal fees and junk fees so now you owe us {$10000.00} and if you do n't pay us that amount in two weeks we are going to take your home from you. I read that the Consumer Financial Protection Bureau is investigating Vanderbilt for predatory and unfair lending practices. I hope you take them down!!! They are engaging in these practices, I am living proof.
01/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 242XX	Web
I took out a mortgage around 2008 for my house and the land it sits on. Today I still owe about {$130000.00}. At the time of the mortgage I had a different job and made around {$4700.00} a month. I am now a XXXX and make about {$3400.00} a month. My mortgage payment is over {$1100.00}. That means that after taxes and the mortgage I have roughly {$1000.00} a month to live on. Utilities and transportation alone account for almost all of the " extra ''. I have depleted every penny of savings in the last few years keeping up with my mortgage but I am now unable to afford the payment. I have asked repeatedly to alter the payments in some way XXXX such as extending to 30 years -- the current term is 23 years ). It is bad enough that I am unable to make the payments. I feel like a failure for this fact alone. But what is frustrating beyond comprehension is the mortgage company 's employees. Just today I had another in a long line of conversations with a representative who told me that I was squandering money and hiding information. She insisted that I make {$4700.00} a month. She interrogated me like a murder suspect, asking me how much my electricity bill is and relentlessly switching time frames and topics in order to frustrate and confuse. When I gave her information, like my monthly utility costs, she demanded more specificity, a different detail, or simply refuted it. She continually told me that the problem is that " they '' are unable to figure out how I am spending {$4700.00} every month and that therefore there will be no relief of any kind. I am not attempting to get out of paying the full {$130000.00} that I owe, plus interest that accrues. I feel the deepest of obligations to do so, in fact. But the plain truth is that I can not. Circumstances have changed since the mortgage was extended. I am asking for a corresponding adjustment on the mortgage company 's behalf so that I may pay this mortgage for the next two decades. But even if that is n't possible, simple human decency is NOT too much to request. I am already subject to the disdain that many have for XXXX. To be frank, I feel that I should n't be punished for taking a XXXX in the poorest county in Virginia ( XXXX ). The house I live in is a double-wide, hardly an over-indulgent mansion I splurged on in a fit of irresponsible greed. It sits on XXXX acres of hilly, rocky land that is n't suitable for any sort of development in a depressed area of the country. And I am not only willing, but desperately want to pay every dime I owe. I simply can not. At least not as the terms currently exist. I am asking for a reasonable accommodation so that I may pay in full. My complaint is thus twofold : 1 ) That the mortgage company is so completely rigid that there is no way to reduce a payment that accounts for over 50 % of my take-home pay on a double-wide in economically-stressed XXXX, and 2 ) That the employees, down the line without exception, treat me as if I am a liar and a criminal. If there is no wiggle room, then so be it. My house will be yet another foreclosure. But there is no need to question my integrity and to overtly insult my very character. I wonder how these employees would feel if I treated their kids in a similar manner while they were at school simply trying to obtain an education and better themselves.
08/19/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 295XX	Web
Tuesday, XX/XX/2022 : XXXX XXXX in Loss Mitigation discriminated against XXXX XXXX XXXX for the following three causes : XXXX, profession, and COVID-19. Wednesday, XX/XX/2022 : XXXX Call was routed to XXXX XXXX the supervisor, and she stated that would pull the call and listen to it. I informed her that I would like a follow-up of the investigation and then proceed with my next steps whatever they may be. I should expect a phone call tomorrow morning around XXXX. Thursday, XX/XX/2022 : XXXX XXXX Call received by supervisor XXXX XXXX and she began to side with her subordinate. I interrupted her and stated that no customer should be treated indifferently when EXERCISING THEIR RELIEF FOR HELP through their mortgage lender. I also informed her that her subordinate discriminated against me due to XXXX, profession, and COVID-19. I told her that her subordinate knew of my XXXX b/c I provided her my social to populate my account. Her subordinate discriminated against my profession b/c she attacked me due to being a XXXX XXXX. Her subordinates discriminated against me, b/c I told them that I had been affected by XXXX and that I was seeking assistance through their loss mitigation department for help. Her department told me that THEY DIDNT FEEL THE NEEDED TO HELP ME WHEN I COULDNT GUARANTEE INCOME. WHY WOULD THEY HELP ME NOW NOT KNOWING WHAT WOULD HAPPEN LATER. I informed XXXX, that COVID-19 was a national pandemic, and that no person can determine their tomorrows, but based on what one knows one could foresee what they could do if their circumstances didn't change. I informed XXXX that we could agree to disagree and that I would be making a complaint with the XXXX and the CFPB b/c it is my right. XXXX XXXX XXXX denied claim and then approve claim, but customer reported information didn't change. Customer appeal was created by XXXX XXXX supervisor ) and then denied by XXXX XXXX. Then when customer contacted XXXX XXXX ( loss mitigation dept ), she was attacked for exercising her right. XXXX ATTACKED customer with her PERSONAL OPINIONS about customer 's PROFESSION BECAUSE SHE REFERENCE HER PII THAT DERIVED DIRECTLY FROM HER PROFILE, AND THAT IS A NO, NO! This is not a tactic THAT IS WRITTEN BY VANDERBILT so therefore employee MUST be held liable which makes VANDERBILIT responsible due to her negligence. ACCORDING TO THEM ALL CALLS ARE RECORDED AS THIS IS AN ATTEMPT TO COLLECT A DEBT ACCORDING TO " HE FEDERAL LAW '', so if they use the FEDERAL LAW and I WANT TOO AS WELL!!! Friday, XX/XX/2022 : XXXX Email Response ; XXXX XXXX, Thank you for allowing me the opportunity to speak with you Thursday morning regarding your complaint against XXXX. As discussed, I reviewed the call and the representative in question has received additional training to ensure this does not happen in the future. I hope that this response adequately addresses your request for a written response. If you have additional questions, please feel free to contact me directly at XXXX ext. XXXX. My office hours are XXXXXXXX XXXX to XXXXXXXX XXXX EST Thank you, XXXX XXXX Loss Mitigation Successor In Interest Senior Vanderbilt Mortgage and Finance , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXXXX XXXX # XXXX DE License # XXXX ID License # XXXX MO License # XXXX SC License # XXXX - XXXX
02/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 287XX	Web
my mortgage company Vanderbilt Mortgage and Finance refused to use money in a partial payment account one several occasions for past due amount owed. i have a conventional mortgage. money in partial payment account is extra money sent in with my payment.i asked this company to do this in XXXX of XXXX, XXXX of XXXX and XXXX XXXX which they refused to do so which caused additional late fees and charges to occur. in XXXX and XXXX of XXXX, i had more than enough money in partial payment account to cover past due amount. in XXXX, XXXX and XXXX. the statement i got that was mailed out on XXXX XXXX said i owed {$1500.00} on XXXX XXXX and late fees would be added after the XXXX of XXXX XXXX on that same statement it showed a partial payment amount balance of {$460.00} so i sent in {$1000.00} payment on XXXX XXXX { because they where already sending some one to my home } towards the balance due on XXXX XXXX. so i was going to send addition XXXX on XXXX first to add to money in partial payment account to be paid in full. but now they say i am in the negative in partial payment account, this account is only for extra money i send in you can have a negative balance & lt ; and they are saying i still owe a payment of {$670.00} on XXXX XXXX XXXX. this company does not work with you or listen and they will talk over you. i refuse to get harassed so i will not talk to them for them to tell me to let my children starve because my mortgage is more important. they will start calling to collect payment on the XXXX of every month they do not give you a actual 15 day grace period before late charges are added they have them already added when they mail out statements on the XXXX. this home was already set up on land and was offered by XXXX as a repo. i applied for financing there and they told me the only place i could get financed was Vanderbilt mortgage i did qualify at that time for fha financing but company refused to do upgrades and updates so the home would qualify for a fha loan. my closing was on XXXX XXXX XXXX the closing took less than 25 min. in my closing papers i have fount that i supposedly bought wheels and axles. there where no wheels and axles required to buy this home it was already set up and on a foundation. and in the fine print it says something about renting these items which i do not have. the mortgage company lead me to believe that i would definitely be able to refinance to better my interest rate and payments i asked about refinancing they said no they do not offer that and referred me to XXXX mortgage which i fount out by calling XXXX mortgage is a affiliate of Vanderbilt mortgage. XXXX did not disclose to me at time of applying for my mortgage that they where also owned by same company. i feel that everything from the type of mortgage, their collections, the company and affiliate companies are all doing fraudulent and deceptive predatory lending .they also make you use their in house insurance company .some documents i am not able to upload at tis time. i will add what documents i can.it almost seems to me that from the fist payment of this mortgage that i have been a month behind, which i know i have not been a month behind for 4 years!
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77375	Web
According to the Fair credit Reporting Act 15 U.S.C. 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 U.S.C 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15 U.S.C 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of the information to credit agencies the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S.C 6802 ( b ) ( c ) states that A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my non disclosure option. Not only that 15 U.S. Code1681 ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
07/30/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC 291XX	Web	Servicemember
My mother died several years ago. When she died her assets were left to XXXX children, but my brother and I were co-executors. Since both sisters and my brother live out of state they came in for probate and signed quit claim deeds on the double wide home that my mother had on a piece of my property. This is what we were told by probate had to be done. Copies of her death certificate, will, probate paperwork and the quit claims were sent to the mortgage company, Vanderbilt, in an attempt to get the paperwork on the home into our my name. My husband and I have been paying the mortgage for the past 2 + years. This year my sisters and brother contacted me and said they wanted their names off as beneficiaries of the home. I spoke with an attorney and was advised to contact the mortgage company and get the payoff figure. We obtained a loan for {$13000.00} to payoff the motgage. This was the approximate amount as per the most recent mortgage billing. I contacted Vanderbilt several times about getting the exact payoff amount and they kept telling me that they would have to send it through the mail since we reside in South Carolina I told them that was fine and have yet to receive anything but letter from them telling me that they have received my request and have forwarded it to the appropriate department. I have called several times as well as requested the info in letter and email form. The last email was sent on XX/XX/XXXX and I have since received TWO letters stating that they forwarded it to the appropriate department. Meanwhile I have paid off {$13000.00} and am waiting for the couple hundred dollar balance for payoff so we can be done with this mortgage company. Lord knows how long it will take to receive the title after the payoff. My entire family is now angry as they are worried that since their names are still on as beneficiaries they will be liable if anything were to happen to the home. We can not change over the title, have them sign bills of sale, etc. until I have the final payoff and make the one last payoff to the mortgage company and I can not get any information from them. I have the loan number, and have even tried to get the payoff on the telephone as they have that option but the mortgage company has put a stop on that loan number so I can't even do that. Meanwhile they are milking us for any small amount of interest on the final few hundred dollars in payment. I work in the real estate field and it only takes a few seconds to click on a computer and get a payoff figure. Please tell me what I need to do to get this mortgage company to give me the appropriate final balance so I can pay it and be done with them. Also, can you tell me how long they have once it is paid to send me the title? I have owned my own home for many years and NEVER have I dealt with such an uncooperative mortgage company.
01/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32301	Web
I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 09X ) stating that Vanderbilt Mortgage stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the mobile home nor the amount that they sold it for. The amount I owe should be less whatever they sold the home for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. I know my rights have been violated because the FCRA states that they should report the information accurately and to report inaccurate information is a violation of my consumer rights and I can hold them accountable in civil court per the Florida Rules of Civil procedure Rule # 1.130. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately twenty working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that should have already been resolved. Please govern yourselves accordingly.
05/20/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 273XX	Web
complaint against Vanderbilt Mortgage. Our Mortgage with them is 23 years and 8.9 % interest. We where going to refinance with XXXX XXXX loans at 15 years and 3.8 % interest in doing so we were informed that are manufactured home had a vehicle title to it. we were not aware of this and they required us to do a conversion for real property in order to refinance the loan. my loan officer and I contacted Vanderbilt mortgage on XX/XX/2022 rep stated they would do the conversion if I requested but it would take months. After finding out that process should not take that long i called Vanderbilt back on XX/XX/2022 and asked to speak with a manager. She stated it only takes 30 days and i would need to submit a signed letter requesting the conversion. That evening i emailed the letter to the email she provided and ask that they keep me updated on the process. I received and email 2 todays later stating they had received the request and was processing it. On XX/XX/2022 i called to speak with someone to explain the process to me and to keep me informed of were we were at. Since my rate lock was to expirer on XX/XX/2022. rep stated she would forward to correct department. No return phone call. called every several times after to try and speak with some one and was told I was on the list to call back in order it was received and could take several days before they would get to me. On XX/XX/2022 i spoke with XXXX who said he was handling my conversion and that it was a the county being processed and i could call back weekly to get an update. Called back XX/XX/2022 XXXX was not available spoke with XXXX he was helpful in explaining the process to me and could not find any updates on my account. i explained I did an extension on my lock rate until XX/XX/2022. he started asking me questions to try and see were i was at. i explained no one had called me to tell me anything or ask for payment. i think you need to check into this. he did to find out the process was never started. His explanation was they had employment changes in that department and XXXX was told it was started so that what he told me instead of actually looking at my account. Then he told me my title was electronic so they would have to get that which would take 3-4 weeks. then it would go to the county and that could take 8-12 weeks so i could be looking at 11-16 weeks potentially. said he needed to send me a form to sign and send back. I explained I would sign that day and send back. After he sent me the form it needed to be notarized. In the process of doing that now. In the mean time i lost my refinance due to there negligence over and over. Because the rate lock would run out. I still don't have resolution or confidence that my conversion will happen.
03/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 293XX	Web
It's a lot of issues so I'll keep it short, I was diagnosed with XXXX XXXX XXXX XXXX in 2017, it has taken me 5 years now to finally finish treatment and I am now just starting back to work literally Monday, my husband had an auto body and paint buisness that shut down due to COVID-19 pandemic. We had used up all our resources and finally I'm starting work again and my husbands body shop has slowly started to get a few customers again, now after we thought we got a defer in payments on mortgage starting to resume on XX/XX/XXXX I get a notification from sheriff telling us to vacate by XXXX, I thought everything was going to be okay, I contacted Vanderbilt Mortgage and they want an amount to keep my home that I just don't have yet, I have to get a few paychecks in first and now I'm about to be XXXX after 17 years in the same job I got sick and I needed help and now I'm going to lose everything on top of what I've already lost has me guessing now why did I even seek treatment when I was sick, I don't know what to do, I just turned XXXX last month and I don't know if I have the strength left to start over anymore. The mortgage company is already charging me 12 % interest and I've already paid 10 years out of the 20 year loan and now I'm losing it. I can't even believe this I'm seriously thinking of ending everything because I can't take another loss on top of what I've already lost, my XXXX, my XXXX XXXX so technically I'm not even a woman anymore and I still can't even look at myself in a mirror and now my home, my credit, my teeth because XXXX destroyed those and I can't afford to fix them, I just want to lay down because I'm tired and I feel like an old work horse that is not wanted anymore. I've worked my entire life like a man to just lose everything I've earned, I've had to eat so much XXXX to get what little I have, I have worked myself into XXXX XXXX XXXX and countless XXXX XXXX and XXXX from the type of work I've had to do to just be told to leave my high interest over priced mobile home that's already falling in anyways, this is too much for me to handle. Life is not fair and I totally get that, however I'm absolutely disgusted with the entire situation that I'm literally XXXX XXXX daily, not sleeping, XXXX, and uncontrollably crying that I don't even know how I'm going to keep my new job because I can't even function at this point. I at least out of everything I have my XXXX acres of land paid off and it's mine, the mortgage company will have to remove trailer but still my credit is destroyed and what good is my land without a structure on it to live in. Sincerely... .. XXXX XXXX, and giving up ... Because I just am tired, I am so so tired of pushing that I have no push left in me.
07/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89031	Web
My husband and I have been trying to work with Vanderbilt for over a year to modify our home loan and they refuse to work with us. ( Loan # XXXX ) We fell behind on our mortgage in XX/XX/XXXX because my husband lost his job. Since then I 've been trying to work with and negotiate with Vanderbilt to try and bring my loan back to current. I was told that they would bring my interest rate as low as 5 % with a modification, only to be told later on that was impossible. Also, their website states that they do have programs available to help homeowners keep their homes and that homeowners will be reviewed for a modification after one year has passed since a modification was done, but I have not found any assistance with a modification review. I sent in countless documents and forms to prove my income just to be told I would not even be reviewed. I feel that we are being discriminated against by Vanderbilt and they are foreclosing on us illegally. They have been unable to give us a valid reason why they will not even review us for a modification. I spoke with Supervisor XXXX XXXX on XX/XX/XXXX to try to understand why they would not give us a review for a loan modification. I can only assume that XXXX XXXX has a personal issue with my husband and I and seems to have the final say in any decision made on our loan, demanding that we pay {$8400.00} ( half of the past due amount ) right away and not a penny less. I even scraped and borrowed and was able to get {$5000.00} together, but XXXX XXXX refused it. The representatives at Vanderbilt are not interested in helping borrowers as they claim to be. As if this was not enough, while in the middle of this process they put a sale date on my home for 2 months away! Also, during this conversation with XXXX XXXX, he said " We wo n't review you for a modification because we already said no. '' and that if I was unable to make my mortgage payments I " should n't have eaten, which is Vanderbilt 's policy. '' It seems that the future of my home depends solely on this XXXX individual. I asked XXXX XXXX why I could n't be reviewed for a loan modification to which he replied " I do n't have to tell you. '' I even told XXXX XXXX that my household income had changed, which is grounds for a new review and he replied that they do n't care and would rather just foreclose. The representatives at Vanderbilt are inconsistent and incompetent. XXXX XXXX has no reason to deny my husband and I for a modification review, other than having a personal issue with us. My husband and I are being discriminated against by this ruthless company, as they will not give us even a fighting chance to save our home or even a valid reason for their actions.
12/26/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TX 751XX	Web
Vanderbilt has refused to provide me with all documents, forms, and contracts that may pertain to offers that they have made to settle our account. They proposed XXXX offers. XXXX was for deed-in-lieu of foreclosure, and the second was for a cash settlement to mature on XXXX/XXXX/2016. The have provided the jest of XXXX offers, but have yet to provide complete documentation that would be signed should we agree to either of the offers. I need to review the complete settlement agreement ( s ) including terms and conditions, legal disclaimers, waivers and omissions, clauses, releases, and all other verbiage contained therein. Without this information I can not make an informed decision and can not possibly know my full rights related to these settlement offers. I need to be able to review them in their entirety and have ample time to have them reviewed by legal counsel as well. I received correspondence from Vanderbilt 's portfolio manager, XXXX XXXX, indicating that he did not believe I needed this information. Due to the deadline for acceptance or rejection of this offer, it is imperative that I take the time to make this request even during the holidays. If Vanderbilt can not provide the complete contracts for both offers proposed, then no offer was truly made. I have many questions as to what these final agreements might look like and what restrictive verbiage they may or may not contain. For example, XXXX XXXX, debt collector for Vanderbilt, suggested that I would have to sign an agreement that if I were unable to acquire the funds needed for settlement, I would have to turn the keys over and walk away from the home. He also stated that Vanderbilt would include a clause stating that I would waive my right to legal recourse should I accept their offer to settle the account. This is why I must see any and all verbiage associated with both of the offers. Contrary to XXXX XXXX 's statement to his legal department, quote, " I am really not sure why he wrote us this asking for us to give him our offer again. XXXX gave him the XXXX options we were willing so I am really not sure why he is asking for us to provide that again??? XXXX, do we need to give it to him again in writing? '' end quote, I have never received anything other than a vague proposal with no further information that would allow me to make an informed decision. This has already happened twice before when they sent agreements to offer payment assistance and loan modification. So I respectfully request this information in its entirely as well as an extension of 30 days for review by myself and counsel. I have attached the original email where I requested this from Vanderbilt.
12/13/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 77303	Web	Older American, Servicemember
This email is being sent with the hope of resolving a major issue that we currently have with a XXXX XXXX XXXX Back in XXXX of this year we ordered a new home through the XXXX XXXX XXXXXXXX. We placed an order for a home direct from the factory in XX/XX/2021. The home was delivered to the dealership at the beginning of XX/XX/2021. Both ourselves and our general contractor made it clear to this dealership that our property was not ready for delivery and set up. However the dealership went ahead and delivered the new home on our property XXXX of XXXX and it has been parked there ever since. It was only blocked up and left due to the fact that none of the utilities were available to be hooked up to yet. Just this past week our general contractor finally got clearance to install a sewer system. Just a few days ago Vanderbilt Mortgage called us and told us our mortgage is already due. We explained to him that the house is only parked on our property and that no installation has been done. Vanderbilt Mortgage then told us they were told by the dealership that the house was transported and ready back on XX/XX/XXXX, which was a obvious lie. The house is just sitting on our property. We were told by the dealership that once the house was completed and ready to move into, our mortgage payments would come 2 months later. The reason we chose to have a XXXXXXXX XXXX is because I work for a company that has purchased many of these homes. They are very high quality and well built homes. However this dealership has lied to us. They made the promise that once our home was ready and that we took the keys, the first mortgage payment would not be there until 2 months later. Now we're paying two mortgages because our current house is not sold yet and our new home is not anywhere near being ready to live in yet. Let me make it quite clear both I and our general contractor made it clear to the dealership our land was not ready for that home and we told the dealership to keep it there at their lot until our lot was ready. However Vanderbilt Mortgage has been told that the house was moved, set up and ready on the XXXX of XXXX. It would appear the dealership was in a rush to get it off their lot so they could have funds in their account. This is an obvious breach of our agreement with the dealership. We are wishing for your immediate attention into this situation. Again I must emphasize that we still have faith that this is a quality home but it's not in our possession yet so why are we paying for it already? It also must be noted we don't even have the keys or any access to this home. Thank you for your time and attention to this matter.
06/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 780XX	Web
I am XXXX now and badly needing help. I have been a good customer with Vanderbilt Mortgage since XX/XX/XXXX. I paid off the XXXX home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In XX/XX/XXXX, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around {$4000.00} be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a {$20000.00} balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount of insurance I needed on this home, to an amount that is not nearly enough, in order to make the INCREASING payments they are charging me. I am almost XXXX years old and can no longer work. My income is vanishing. I would be XXXX years old if I lived to pay this piece of junk falling apart XXXX/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have XXXX me worse than I have ever been XXXX in my ENTIRE life!!! I look at the new statements and out of an approximately a {$1200.00}. payment, only {$87.00} is going to the principal. The woman named XXXX who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. XXXX I desperately need help and so I called the XXXX XXXX and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally " attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO XXXX will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST XXXX VANDERBILT AND XXXX HOMES. PLEASE help me! I am more than desperate. XXXX
08/25/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AR 720XX	Web	Servicemember
On XX/XX/XXXX, I was XXXX XXXX and XXXX from the XXXX XXXX XXXX Military. The primary reason was XXXX, and I was awarded XXXX XXXX XXXX pension. I appealed the decision effectictive in XX/XX/XXXX. On XX/XX/XXXX, I had XX/XX/XXXX, which was one of my main medical complaints. I have XXXX of the XXXX ( XXXX XXXX XXXX as well as XXXX and XXXX of the XXXX ) and XXXX of the XXXX. I am still having XXXX XXXX XXXX and problems and taking XXXX medications through the V.A.. The V.A. is talking about possible XXXX again on my XXXX and XXXX XXXX. They have also discovered I have XXXX of my XXXX XXXX and XXXX, as well as XXXX of XXXX XXXX XXXX. The V.A. also determined that I have XXXX XXXX and / or XXXX in my XXXX XXXX. All the above is under appeal STIIL and it 's the Department of Veteran Affairs. The state Social Security XXXX denied my claim stating that under their rules, with my education, training, and experience, I can still perform certain jobs. They are wrong and I will be appealing again. I XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on without severe pain. Anyway, since all of this started, I have been out of work and trying to live off my XXXX XXXX XXXX pension from the military. I missed one payment a while back, and Vanderbilt Mortgage DID take that payment and put it to the end of my mortgage. I missed another payment, then only made a partial payment because my truck broke down ( which I can not afford to fix ) and had to have it towed a long distance costing me a good chunk of money. Now, Vanderbilt Mortgage is no longer willing to work with me and are saying I am 2 and 1/2 months behind on my mortgage. I get paid. Once per month at the end of the month. I make my payment online the day the money hits my account. Vanderbilt works off electronic checks. They keep charging me almost {$20.00} late fees each month claiming I am paying late. I tried to modify my mortgage by extending it to lower my payments, but was denied because " I do not make enough money ''. Then I get a letter stating that they are under th impression that I can NOT make my payments anymore and offered me {$500.00} to be out byXX/XX/XXXX. I received that letter on Saturday, XX/XX/XXXX. Then I got another letter stating that they are attempting to help me, but I am not willing to make the effort. WRONG! It is the exact opposite. They are not willing to work with me or help me in any way. They are already charging me over 10 % interest. They wo n't even explain to me how they figure I am past due by 2 1/2 months.
05/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85120	Web
Vanderbilt Mortgage and Finance refused to foreclose on my mortgage after I filed for Chapter XXXX bankruptcy without reaffirming my loan back in XXXX. They stated that as long as someone was paying the payments they were allowed to accept them. My ex-husband, whom was never listed on the loan in any way, continued to call in and make phone payments on the loan. In the past year they have also added more money to the original loan to pay back property taxes that accrued and were owed from the time I was released from the debt. I was told several times that this was legal and that although they have never changed the loan into someone else 's name, they will continue to accept payments from whomever is squatting there. I called back in XXXX to ensure that my information stays confidential and made it crucial that my personal information was not shared with my ex-husband due to a restraining order and other domestic issues. The account representative then spoke to my ex-husband and shared not only that I called and requested this, but also shared my contact information with him at the time. I moved in XXXX and updated my mailing address with the mortgage company to keep track of the loan that is still in my name. On XX/XX/XXXX an account representative allowed my ex-husband to call and change addresses to get my information including my new home address, and he was able to get my loan information sent to him directly. Vanderbilt has breached my confidentiality on more than one occasion and this needs to be investigated. I am not only responsible for HOA fees where my mortgage has not been foreclosed and my only recourse is to evict my ex-husband that is squatting there, but now I am in danger due to the breach of my personal information by Vanderbilt and his new ability to find me at my new residence. I have called several times to share this with the company and they state that because I am not longer liable for the loan due to my bankruptcy that they are now allowed to talk to anyone that calls about the account whether they are authorized or not. This is not okay!!! If they are allowed to talk to other people then they need to take my name and personal information off the loan and change ownership of the mortgage!! I have been dealing with this issue for several years and I hope someone can shed some light onto why this is happening and how to fix the problem. I should not have to deal with this for 30 years.
11/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77511	Web
morgage company refused payment after we reported the co owner/payer has XXXX. we then tried several covernment programs and XXXX refused that too. stating they are a private company and was rude. seting it in XXXX for forclosure. we then filed bancrupsy and the court ordered them to take payments, for XXXX would say sall or nothing. during the bancrupsy which was to be put tward the principle, they put it all on intrest and escrow XXXX keeping it there then mis reported the ows to the court, and did not give us the proper acounting for the loan. also complained that they were going to work with us. and they kept refusing payments unless forced by court. they used the XXXX mis reported taxes to the court to increase the trustee 's pay we were to paay to increase it over our fixed limit, income as we sold all our buisness assets and items to cover it. finaly we could not pay the payment and beged the court for help. the lawyer who was to take care of it just added alot of fees and did not take care of it. the case had to be dismissed. then we called XXXX they said they are to forclose and gave us a false incorect statement, asked more for the loan then we started the loan in XXXX and used multiple tricks and huricane harvy court offices being closed front door step to forclose. then their own employee bought it. we have apealed it and not still trying to get them to coaperate. note me and my wife are totaly XXXX. and they would not listen or do anything. we calculated the home to have less than XXXX left. and the trustee payment info does not match their statements. they did not put the payments proper and did not do as the plan stated. we can not afford the lawyers for we paid alot to them in the past and got no where. we are still geting taxes from the XXXX lady for the house. and they are using the forclosure to whipe out the records so it can not be seen. can someone please help us they have been doing stunts. also the lawyer that went against us decited that they will not represent XXXX after seeing the stack of evidence we reported and what they had done. every lawyer took a look at my wife and felt bad. including the judge. we have not got any return or records from XXXX unless we request it and what we got back is false and incorect. we have not ever recieved a XXXX tax form.
10/22/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77338	Web
My husband XXXX XXXX and I didnt receive a proper notice, my XXXX XXXX XXXX has XXXX illness, that reason why The was behind for three months due to his condition, and struggles to pay the mortgage, XXXX XXXX is the kind of community property interest holder, I did not given a chance to fight in the court, I am legally authorized of XXXX XXXX property, we been married for XXXXyrs, Yes the loan I was not included my names but is the community property, but the land is both our names, I was paying the bills as a taxes of the house, this our community togetherness of My husband XXXX XXXX, the Vanderbilt morgage company is excuses the want the house so they can sold below the market value, and put the balance of the loan to me, that they didnt given me a chance to negotiate to take over the loan, now I become a homeless due to thier negligence for this business practices, I can take over the payment so but they didnt given me a chance, me and husband paying the mortgage for 20yrs for the interest of XXXX percent, they already get back the amount of money for loan XXXX home, on our difecult time they can not make exception to us, the loan leaf is only 5yrs now to be paid, they dont one even given me a resolution, my families super right now stressful life because no home. When I find out there a default Judgment of my husband on XX/XX/2019 : even he already passed away, I file the motion set aside default judgments, and the judge told me is late now because is out of jurisdiction, how could be I just find out, the judge never ask when I found out the defecult judgments, XX/XX/2019 know about it, our court system/ justice systems is not fairness to the consumer, they favor more in a big corporation because of the donations of thier compaign contribution, they dont care about us, super with no home he never looked at the our situation, or maybe if can afford the lawyer I file lawsuit, but can not right now I can justify, if I can not given me chance it easy for them to place the default Judgment on my land so I will super more, they already take away my home I become homeless right now. Pls help me to resolve this situation is very unfair to me., I am authorized of my Husband property is community property I am intitle of all next kein,
11/02/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	TX 77584	Web
The closing date for selling my home was XX/XX/2021. I called the mortgage company on XX/XX/XXXX to give them my forwarding address to send my final statements, or for whatever other reason they may need me. The customer service representative asked me if I wanted to take care of the {$4800.00} ( and some change ) balance on the loan. Well, I thought she was joking. She commented that I had just made a substantial payment and she could process the remainder with me. I said, What are you talking about? I SOLD the house.. She said, she showed a balance a little under $ XXXX. Then everyone played the blame game. Finally months later, when I called them to find out why my loan still had not been taken care of, they told me, since your escrow was negative, there was too much money put into my escrow account when that payment came in. Again, I told her that was the LOAN PAYOFF and I still was dumbfounded how the mortgage company was not even concerned with this. First, they told me that there was not enough money sent in. ( This was their argument for not having a XXXX balance yet. ) Finally after several months, I had to sign a letter giving my permission for the mortgage company to use the escrow balance to pay off the loan in full. Meanwhile, they have charged me mortgage insurance premium in the amount of {$160.00} and on XX/XX/XXXX ( almost XXXX weeks AFTER closing ) there is a {$170.00} Legal Fee with no other explanation whatsoever. I have tried numerous time to reach out to them but they say there is no problem. Here it is : I closed -- - the money was sent in.. VMF processed it wrong somehow But look at the escrow balances in my statements yet they couldnt figure out why I still had a balance and its my fault because the funds were short ( they werent ) .. so therefore I got charged MIP again Then there is a mystery payment from.. I dont know where.. but I also did not ever get a final statement ( theyve sent it 3 times by mail thats the answer I got ) It is a complete mess- I saw several XXXX complaints that seemed to involve the same topic.. sound like they've been doing this a lot. The statement I uploaded is the last one I ever received. I did not get any for the last month
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73162	Web
Vanderbilt has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called Vanderbilt and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. In XXXX there was a hurricane in XXXX Florida which is where this property is located. Vanderbilt mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the three months by spreading it out over 6 months ). I did everything that Vanderbilt told me to do. I skipped the three payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. I was never any days late. I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. They did report me as late.. .however, I never missed nor was late on any payments with Vanderbilt mortgage. Very predatory lending practices by Vanderbilt. I hope to never have to do business with them again. Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. Please help. Thank you so much. XXXX XXXX XXXX
09/04/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	KY 423XX	Web
Vanderbilt Mortgage and Finance did not offer to refinance my loan recently and this problem is one of many they have. I originated a loan with them in XX/XX/XXXX and had to settle for a high interest rate of over 10 % for a manufactured home, so I was not in a good position to build equity. After 3 years of 100 % on time payments I decided to seek a refinance and I called them first. They simply stated they do not offer refinances for my situation. If nothing else that is a bad move by this company, because I quickly left them, but our choice to refinance became very costly in part due to violations by Vanderbilt. Now having just finished a refinance with another company, I found out during the process that my foundation of my home was not compliant with Fannie Mae standards. The shape that my foundation was in was undoubtedly just as bad three years ago when I purchased the home and they approved my loan. The foundation of this property is very moist and the straps securing the frame to the ground were rusted and broken. I had to pay steep repair expenses out of pocket to get my foundation in compliance, and Vanderbilt should have recognized this when I purchased my home from XXXX XXXX in XX/XX/XXXX, where it should have been paid for by them. I had a conventional loan with Vanderbilt and I ca n't imagine how this was missed by their underwriters. I bought it as a repossessed home from XXXX XXXX in XXXX, Kentucky. During this purchase process Vanderbilt charged over {$5000.00} in closing costs which I just paid only about {$3000.00} through another company, not including the cost I just incurred to certify the foundation which was about {$2000.00}. Additionally, I spoke to several Vanderbilt representatives over the phone throughout the life of my loan, and was never asked to verify the last four of my social security number for verification that they were speaking with me. This is all information that can be validated in their documentation of my loan. This company is a predatory lender that takes advantage of customers in high interest situations due to lower credit.
01/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30248	Web
On around XXXX-22 through XXXX-22 I closed on a home loan with XXXX XXXX XXXX. The closing was done at a XXXX XXXX restaurant with a notary that handled the paperwork and documentation. I gave a certified check in the amount of {$1600.00} at the time of closing, and had given {$500.00} in the month prior as good faith monies. After the closing I received absolutely no documentation showing that I am the owner/ resident of the property and that I am on the paperwork for the loan. I called and spoke with representatives on numerous occasions to try to voice my concern and receive the documents, but they are very unhelpful/ unconcerned with the matter. There is also no documentation on thier website. I feel that I am the victim of fraud here somehow. I wish to see all of the proof and evidence in writing of the Notary that handled the closing, and how the funds were used to cover what costs, because the amounts that were applied to specific areas were not what was discussed prior to the closing. The home price was {$25000.00} and of the {$2100.00} that was paid, they have made it to where nothing went toward the balance of the home and the monies have vanished. Now the original loan number has changed and doesn't reflect what is represented on my Homeowner 's insurance docs. When I check the payment section of thier website, the amounts differ from my records, and the method of payment isn't the same in certain months either. I have checked my credit report via XXXX and it states there that maybe 2 loans are in effect. One area states first mortgage for a duration of 360 months in the amount of {$100.00} and yes with a refinance indicator. This was NOT initiated by me! Then there is the original or second mortgage with 300 months and it states 300 months and a payment of {$3000.00} per month. Also Via XXXX the payment months have {$0.00} paid in XXXX, XXXX, and XXXX, with double payments/ or {$620.00} paid in others- XXXX. I received a payoff letter in XXXX of 2022- someone else may have taken over- assumed a role on the account.
08/23/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 231XX	Web
I expressed to my mortgage company that I had XXXX and was out of work about 5-6 months ago. I was not given any of to forbearance options under the CARES act. Instead I was asked when will I be back at work and and the best they could do is defer 2 months but I would have to make my escrow payments all at once before they would agree to defer the P & I portion. That escrow payment was over {$1000.00} and my mortgage payments are about {$300.00} more. So honestly that was no relief for me. I was told because I got a modification back in XXXX that I was not eligible for another because I can only get one per life of the loan. Because I was sick for about 3 weeks and out of work, it's been taking me some time to catch up on all my bill and now I am behind on my mortgage. I am now due for XXXX with over {$1000.00} in suspense, I tried to call to make a {$1900.00} payment was was told my loan is in a legal status and I can not make a payment with them over the phone, so now I am about to be charged legal fees on top of being sick with Covid. I also explained that I could make another {$1900.00} payment on XXXX XXXX. With 2 {$1900.00} payments and the {$1000.00} I have in suspense, that would bring my loan current but now that it's in a legal status, I'm pretty sure more fees will be added making it harder for me to become current. On to of all of this, I had to take out a hardship on my XXXX to bury my father last month sure to a car accident. I have proof of this as well. I can provide my father 's death certificate and proof of my XXXX hardship withdrawal. I've been with Vanderbilt Mortgage since XXXX and this is the first time I've ever been late on my mortgage payments in 14 years. This is not the first time during the pandemic I was denied help but. I didn't complain the first time because I made a way to keep my payments current but this time had really taken a toll on my and to immediately go into a legal status when I communicated I had Covid is just inconsiderate.
07/29/2022	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30043	Web	Servicemember
Being new to Georgia, I sought potential lenders for a mortgage, and went with my agent 's lender. Silverton Mortgage, XXXX XXXX, was the loan originator and Vanderbilt Mortgage is the servicing company. From the onset, we express our desire to lock in at the lowest rate, pay off debt, and be provided the best loan product and advice that Silverton had to offer, as we did with others lenders we sought to go with. We were told by XXXX that she had our best interest at heart, and we were in good hands. When asked to lock in a 3.5 % rate, XXXX told us that she didn't lock her clients rates early because she has several years of experience and she would tell us when we should lock in our rate. We asked for all documents and disclosure, docusign documents, credit rates and scores used to determined our loan, and we have yet to receive them. We were told that our credit report and scores were pulled twice and was told that the updated score was XXXX. Come to find out, our score was only pulled once on XX/XX/2022, so she lied. We were told not to payoff different accounts ; and, yet we were ultimately charged with and {$11000.00} buy interest down fee, and we want it back. Also, XXXX stated in an email that she doesn't keep her clients documents, so she couldn't give us requested documents. We asked for the documents that the underwriters use, and still today, we have not received them. I have communicated with XXXX, from Vanderbilt Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left a message for XXXX XXXX of Silverton Mortgage. I have disclosed concerns with XXXX early on in the process. The home was priced at {$440000.00}, and to win the bid, we bided up to {$30000.00} over asking price. We asked that the {$30000.00} be added as an addendum note in closing documents because it was going to be paid outright, and not financed into the loan, or wasn't the price of the home, but XXXX stated that she could not do that. I have different correspondence to support what I'm saying.
02/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28411	Web
We have had significant damage to our house during the hurricane. We have received our insurance check we had to submit it to Vanderbilt mortgage as a third party on the check. We have been attempting to get things repaired on our house we have actually paid out of pocket for quite a few things and they are not reimbursing us nor paying the bills of the contractors that we have hired to perform the work. They currently owe {$720.00} for the tarping to be done on a roof {$300.00} for the fascia to be repaired {$4100.00} for the remaining of the roof replacement and they owe me over {$4000.00} for reimbursement for items that we have previously purchased with our own money out of pocket for flooring, flooring materials and paint. the policy on their website says that claims are processed within five to seven days this is not been the case as I have been sending them emails and calling several times a week to try and get things processed and it is taken over a month to get two of these invoices paid. I have sent them numerous pictures to show progress as they have asked for and we still have not received payment for the things mentioned previous. I have contacted our insurance company to let them know that we are not able to get items repaired on the house due to the mortgage company being delinquent on paying invoices and reimbursement. The insurance company is also trying to help with a resolution. there is also a law firm in town that is willing to help with people that are having these issues with a mortgage company and we have contacted them and are on their list to seek assistance. we can not continue to ask contractors to perform work and then not be able to pay them. After speaking with XXXX XXXX numerous times who is a manager with Vanderbilt mortgage he assured me that things were going to start getting paid. I have maintained a list and the dates of every time that I've called, who I spoke with and emailed Vanderbilt mortgage with no success.
09/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 42001	Web	Older American, Servicemember
During a marital separation which happened in XXXX of 2018, we fell behind in our mortgage payment by one month with Vanderbilt Mortgage and Finance. Now that I am the only one residing in the home, I tried to refinance to lower my mortgage payment and interest rate. After securing a loan, a three way call was done to obtain the pay off price between XXXX XXXX, Vanderbilt and myself. shortly after, an agent from Vanderbilt, who gave his name as XXXX, called me to discuss a two month deal that would be tacked to the end of the original mortgage. Being retired and on a fixed income, I agreed still thinking of refinancing. Well, XXXXXXXX XXXX called and told me that now I was two months in arrearrage, thereby denying loan approval. Now Vanderbilt is trying to make me complicit in an improper increase in my mortgage payment, I will attach all pertinent papers and correspondences with this complaint. They have cashed and endorsed a refund check that was made out to both of us by an insurance company I dismissed. {$1500.00} they claimed to apply to an insurance company provided by them even though I obtained my own insurance with XXXX XXXX. It is illegal to have two policies and I told them that. They still have insurance added in my mortgage even though the policy was sent to them by XXXX XXXX. I feel as though they have stolen my money and have placed me in a position that added to me having to be hospitalized with XXXX related issues. How is it that they confiscated my refund check, say that it went to pay for a years insurance, increase my mortgage by 500 % when I am paying my own insurance. This is a " Predatory '' lender and must be held accountable by some means, I have tried to reach out to a Mr XXXX XXXX, who was all so happy when we were in the purchasing process, to assist us.
08/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 168XX	Web
My issue is with my current mortgage owner/servicer : Vanderbilt Mortgage and Finance , Inc XXXX XXXX XXXX XXXX, TN XXXX I refinanced my mortgage in XX/XX/2020, which required an appraisal. The refinanced loan came with PMI since my LTV ratio was greater than 80 %. The appraised value for the home at refinancing was {$620000.00}. I recently paid down a substantial portion of my loan so that the current balance is below {$500000.00}, meaning my LTV ratio is now just below 80 %. Because my LTV dropped below 80 %, I requested via phone to have PMI removed from the loan. My loan is a conventional loan and my loan documents state that I am eligible to request PMI cancellation when " the principal balance reaches 80 % of the original value of the property '', with the original value being interpreted as the appraised value relied upon by the refinancing lender. The first representative I spoke with at Vanderbilt Mortgage told me I am not eligible for PMI Cancellation because my LTV ratio is not below 80 %. When I asked how they were calculating LTV ratios the representative said they take the ratio of the current loan balance to the balance of the loan at origination. Understanding this is computation of an LTV ratio is incorrect, I requested to speak with another representative. The second representative also assured me that I was not eligible for PMI cancellation, yet provided different reasoning. This representative informed me that I have a " special loan '' which requires PMI throughout the duration of the loan, meaning PMI will never be removed. I am assuming the representative was misinformed about differences between FHA and Conventional Loans. I have since sent a formal letter to the mortgage servicer, but have yet to hear back.
06/25/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	WV 251XX	Web	Servicemember
On XX/XX/XXXX of XXXX I called Vanderbilt mortgage company about a foreclosure home they had for sale I was in contact with a gentleman named XXXX that was the property manager for this company He offered the property to me at {$50000.00} then on XX/XX/XXXX of XXXX I called in to Vanderbilt in their mortgage department And filed over the phone with my XXXX XXXX XXXX son for this mortgage on this home with a XXXX XXXX and I told XXXX XXXX I had some questions about there rules about giving mortgage to someone that coming out of bankruptcy almost 2yrs after discharged and XXXX XXXX proceeds to tell me six months after bankruptcy I could file for a mortgage with there company and shouldnt have a problem so I told her my credit score from trans Union and she told me that would be fine because they just dont look at the score they will take the Consideration of everything and I shouldnt have any problem getting the mortgage So my son and I went ahead with the Application process Then on XX/XX/XXXX I received a phone call from XXXX XXXX at XXXX She asked me some personal questions about myself to assure it was me then XXXX XXXX told me that there no programs with there company for me I feel that I was missed lead by this company by them saying there shouldnt be a problem financing me then rejected me for the mortgage even after they was going to sale me this property they have for sale at XXXX and then had me to get a mortgage at XXXX I have watched this property go from XXXX on XX/XX/XXXX all the way down to XXXX on XX/XX/XXXX then jump back up XXXX on XX/XX/XXXX This home needs the Septic tank put back into the ground and the water line replaced to the home before I would be able to move into it
05/04/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 721XX	Web	Servicemember
I got my mobile home in 2019 and was making auto draft payments. Last XXXX my payments went up from {$460.00}?? to {$660.00} with no warning. I called and was told they paid my property tax and an estimated ins increase. I asked why, they hadn't paid the first XXXX years. Apparently I signed something at the beginning to ok them to pay. They had no explanation to why they didn't pay the first XXXX yrs. I was told my escrow was short. I asked how could that be with me paying in on the escrow for XXXX yrs and they hadn't paid the taxes, there should have been more than enough. They said I got a refund, which I did not. They refused to refinance, or take any late payments off, and I got a budget lecture and told me to tell my son to drop out of college to pay his own way. After several phone called I talked to a manager and explained I was a XXXX XXXX with XXXX in college and just barely getting by paying bills. She said to just pay a partial payment and that would keep me from loosing my house as long as I was paying on it. I received a letter saying I was in default from not paying in XXXX months. I called yesterday and was told that I haven't paid in XXXX months so I was in default. I told them the dates of my payment ( which was from $ XXXX {$550.00} ). They told me my payment was applied, my next months payment went to the previous months balance, then the remaining balance went to the next month etc which put me in not paying for XXXX months. My credit and financial is hurt and I can't get a loan to refinance since I used credit cards to pay for groceries and gas trying to keep up. Not only did I not receive refunds, they did a few reversal payments with no explanation.
02/18/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 390XX	Web
Contacted Vanderbilt Mortgage and Finance , Inc. on XX/XX/2022. I asked for a one month extension on my home mortgage. The representative that handle my account asked me why I needed to extension and was I still working. I answered her questions as to why I needed this extension : My son had purchased a mobile home and needed some financial assistance to have his utilities turned on. She asked me how much it cost and I told her {$2000.00} and explained what it would take to get everything turned on for my son. She would put me on hold and come back with more questions. I asked her if it was a problem with my request, she said that I could only get one extension per year and they wanted to make sure that if I had a hardship later ; I would not qualify. After of all of her questions, her supervisor came on the phone and continued to question me as to why it cost so much to have his utilities turned on. I explained to him that we live in the rural area it costs more because the water meter had to be ran from across a highway in order to bring the water to his property. The supervisor apparently had issues believing my situation. He said my son was grow and he needed to handle his own financial situation. And that I was still responsible for paying my XX/XX/XXXX mortgage in the amount of {$630.00} During the conversation I indicated to the representative that I could pay XXXX and XXXX during the XXXX payment. But those individuals did not care about my request. As you can see, I only needed one extension. What is the reason a customer calls their mortgage company before the note is due, requesting assistance but they don't have any moral values about the customer needs.
03/16/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX XXXXX	Web
Vanderbilt Mortgage and Finance INC keeps listing a fee of {$15.00} and refuses to tell me why. Email responses have been vague. They copy and paste the late fee description from the website or deny that my email is associated with my account ( where they send email notifications when my statement is ready ). My payments draft and clear well before being late. Their late fee ( as listed on the monthly statement in the breakdown of fees, in the event that a payment is late ) is listed as {$20.00}, not {$15.00}. But still they ignore my requests for explanation of the charges. While we were trying to recover from the debt that losing our jobs to XXXX XXXX, they emailed and called me almost every day, but now all of a sudden they don't know who I am. I have been current and on time with my payments for months, a month has passed since my last email and I just got another statement with a XXXX {$15.00} charge. The email where they ask for my account information is a response to an email I sent via my online account where I pay my mortgage. They have access to all my information. When I responded directly they changed from calling my by my name ( Primary on the loan, the one who pays every month since the begining of the loan ) and started calling me by the cosigners name. At this point they copied and pasted the late fee statement from their website. But if you look at the statements it is not a late fee, it is a past due balance despite no late payments at all and no other reason for this fee. In some statements it says copy of contract, but I have never requested a copy of any contract, and they did not reference that when I reached out, just copy pasted a late fee text.
12/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	VA 241XX	Web
On XX/XX/2023 both VMF and XXXX XXXX XXXX were notified that we would be cancelling our current insurance policy with XXXX XXXX and switching to our new policy with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023 VMF issued payment to XXXX for this new insurance policy from our escrow account and the VMF online portal had reflected this change to the new insurance policy. On XX/XX/2023 we received a new escrow analysis stating that our mortgage payment was going up, after we review this escrow statement we noticed that on XX/XX/2023 VMF made a payment to XXXX XXXX for the old policy they were both told to cancel, had now been switch back to our insurance policy in the VMF portal ( and XXXX XXXX XXXX which is owned by the same company acknowledged on XX/XX/2023 that the policy was cancelled ) VMF nor XXXX XXXX did not recognize error or did their escrow analysis recognize their failure and the fact they paid for an insurance policy without our consent. VMFs escrow statement also includes many factual errors in addition to the gross negligence around the insurance policy, VMF has the taxes in the escrow analysis incorrect there are two installments of {$440.00} per year at the current tax assessment. However VMF also has a personal property tax listed of {$970.00} which is factually incorrect ; there is no personal property tax only real estate tax. In addition in XX/XX/2023 VMF withdrew {$220.00} with no description of where this monies went. We need an audit trail of where this money went. Over all the gross incompetence at VMF has been a headache since day one and continues to be a headache every day, no other mortgage company has these problems.
07/07/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TN 37922	Web
I locked a rate with Silverton mortgage on XX/XX/22 for 180 days while building a new home. I had reached out to the XXXX who, informed me, that he had cancelled my loan because I had evidently told him I was going with a different lender. This is not true. I never once told them after XX/XX/22 that I was going with a different lender, in fact, I had no contact with the XXXX from Silverton until XX/XX/22. Not only did he cancel my loan without my request, consent, or any other reason he lied to my face and told me I called him in XXXX to alert him. This, too, is false. I parsed phone records from XXXX from my provider and found no phone call to or from the XXXX at Silverton. I parsed emails to him, the last one I sent was XX/XX/22 when I signed the 180 day rate lock disclosures. I had finally contacted his manager and he had attempted to fix it, stating he has never had anything like this happen in the 3 years he has managed the branch. This entire process has been stressful enough dealing with renting, landlord being pushy, construction delays, flaky timelines from the builder, and the cherry on top is a completely inept XXXX. I understand we all make mistakes, but not only is the XXXX not owning the issue he is lying to attempt to get around it. There is no paper trail regarding me allegedly wishing to cancel the loan, and the XXXX is attempting to fabricate one to avoid consequences. Even if this is resolved in my favor this complaint should be taken seriously by Silverton Mortgage. Not only could this XXXX cost me tens of thousands of dollars, the stress from this is completely unnecessary and should have been avoided entirely.
03/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43050	Web	Older American
XXXX/XXXX/XXXX received a voice message from Vanderbilt Mortgage stating they were collecting a debt. My mortgage has been with them for over 10 years. I have money direct deposited weekly into a special checking account for them to draft their payments. Never been any problems. They say that in XXXX XXXX another customer wrote my account number on his check and the payment was credited to my account. I did n't catch their mistake. I hold up my end of the original agreement and assume VM does the same. I told them to go ahead and withdraw the missed payment from the account but they said I had to give them all the account information over the telephone. With trepidition I gave them my banking information on XXXX/XXXX/XXXX and kept watch on the account. On XXXX/XXXX/XXXX I called them since the money had not been withdrawn. Was told it usually took 14 days and would occur on Friday, XXXX/XXXX/XXXX ( it did n't ). On XXXX/XXXX/XXXX while at work they called and said they were collecting a past due debt. I went through the entire scenerio with them again. I have never had to deal with such rudeness. I gave them all the financial information again. I was also told that I would be charged a late fee for each month beginning in XXXX XXXX when the payment was missed. I do n't understand this as I fulfilled my agreement and the money was always available in the draft account. They messed up by applying another customers payment to my account. Was I at fault? Should I be penalized? I 've heard so many horror stories of Vanderbilt Mortgage ruining innocent people and their credit. I appreciate any guidance you can provide. Thank you.
07/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 294XX	Web
On XXXX XXXX, XXXX, I received a notice from XXXX XXXX Tax office stating that my property taxes were delinquent. I immediately contacted Vanderbilt Mortgage at XXXX and was transferred to their " tax team ''. I spoke with " XXXX '' who refused to provide his last name but informed me that his extension is XXXX. After explaining my situation to XXXX, he informed me that Vanderbilt received the same notice from XXXX XXXX XXXX office, however theirs stated that there was a delinquent amount of {$610.00}. I asked XXXX if he could provide me with the last payment made to XXXX XXXX from Vanderbilt XXXX via our escrow account ) and he said it was {$360.00} paid on XXXX/XXXX/XXXX. He then informed me that we signed an agreement for home and land taxes to be paid from our escrow account, however he could not explain why we got a delinquent notice or why they did not contact us when they got the notice. XXXX then informed me that he had another address for us, but refused to give me the address he was referring to. I then informed XXXX of what our address was and told him the address he was referring to did not exist. I am stunned that my mortgage company would have the incorrect address on a contract we signed 2 years ago. I want to know from Vanderbilt why I am receiving delinquent tax notices if they were suppose to be paying the taxes from my escrow. Also, Vanderbilt informs us every few months that our mortgage payment increased. This last time it increased from XXXX to XXXX. They constantly blame it on the insurance, however we have a fixed rate. I would like this company to be investigated.
10/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 275XX	Web	Servicemember
On XX/XX/21 I wanted to contact Vanderbilt Mortgage back about the information they gave regarding contacting HUD to see if they were able to help me during my hardship due to Covid-19.I am currently 3 month behind since XX/XX/21. I spoke with XXXX XXXX about my situation. I told XXXX my unemployment stopped XXXX XXXX he did not believe me and went to my states unemployment page and told me that it did not stop and it didn't state anywhere on the page. From that point I felt he did not have any empathy towards my situation and basically made me feel I was lying. He continued to talk over me when I told him I have a job interview in a couple of days. XXXX continued to be very rude to me. I asked him his first and last name because I wanted to speak to a supervisor because of his actions. By this point I was livid because I could not believe the way he talked to me and continued ignoring my question about his name telling me he will not answer my question until I answer his.. He finally placed me on hold and no one ever came to the phone. I had to call back to get someone else that did not want to hear about my complaint but only wanted to talk about my balance. No one apologized but I called back again and was able to submit a loss mitigation request on XX/XX/21. During these unprecedented times I have loss my job, loss unemployment and had to deal with my daughter having XXXX. I am a very pleasant person and I have over 20 years of Customer service skills and clearly I was not treated like I should have been treated and this isn't the first time this has happened with this company.
12/20/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29203	Web
I am submitting this complaint because of the issues I have had time and time again contacting my lender throughout my loan modification process and I need help getting in contact with them not for the status of my appeal. I submitted an application for loan modification on XX/XX/XXXX and called several times throughout the process for updaters and was constantly told my loan was being handled by a different person in a different department and that they couldnt give me information about it. For example, I called on XX/XX/XXXX for a status update and was transferred around until I left a voicemail for XXXX XXXX requesting a callback. I did not receive a callback and couldnt reach any representatives at the lender until XX/XX/XXXX when I finally spoke with XXXX in the legal department who told me they denied my application because of the Percent of income needed to put into the home, and basically told me I cant afford my home and needed more income. They told me they made the decision on the account XX/XX/XXXX and that I only had until XX/XX/XXXX to submit an appeal. I ended up going out of my way to get the extra income needed to boost my overall income to help me fit into modification terms and I submitted an appeal letter to them on XX/XX/XXXX. Since then I have reached out nearly five times between XX/XX/XXXX and now and have not received any calls back or any contact from the lender about the status of my appeal. It is the most important time to get updates because once the appeal period ends then my home goes into active foreclosure and I am very afraid of losing my home.
08/10/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WV 251XX	Web
I received this year 's escrow analysis and found that there was a error regarding my homeowners insurance policy ( ies ). During closing last year in XXXX, XXXX I had paid XXXX for 12 months coverage to XXXX XXXX XXXX. Property taxes were also paid and the amount of escrow taken that following year should have covered the majority of escrow needed for this year. The analysis completed on XX/XX/XXXX shown that I was XXXX in debt for escrow. When I reviewed the analysis I found they had two policies taken out for homeowners insurance. The amounts are XXXX ( XXXX, XX/XX/XXXX ) XXXX ( XXXX, XXXX, XXXX ) and XXXX ( XXXX, XX/XX/XXXX ). I called Vanderbilt mortgage and finances, Inc to try to resolve this XX/XX/XXXX. They gave me policy numbers and phone numbers to the insurance companies and I called the next couple days getting everything lined out. Unfortunately, there is still a debt in which I owe and a monthly increase in escrow payment of XXXX. XXXX issued a refund on XX/XX/XXXX which I still have yet to receive and when I call I am told it is processing. Vanderbilt claimed that I had not paid any amount towards property/homeowners insurance with closing cost ( page 2b of 5 in closing disclosure shows on line F 01 an amount of XXXX ). They are not helping me to resolve an issue they have made and I feel that I shouldn't be obligated to pay for their mistake. I have already made one payment with the escrow increase and need help resolving this issue as quickly as possible. Sorry for the long message but I most certainly thank you for your time.
08/23/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78258	Web	Older American
Reference : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Applying for a mortgage or refinancing an existing mortgage *********************************************************************** You closed the case without completing a through investigation making me and others waste our time. This is not a fair procedure and could be for the same reasons that the company discriminated against me : I am XXXX. This email sent to me by the realtor may explain why : XXXX XXXX To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Its not a matter of agreeing or disagreeing you signed a contract and you are in breach of that contract. Trust me I know that it doesnt Seem fair to you and I agree with that. The XXXX you were using should have ask you for your proof of income from the start before Issuing you a preapproval letter. He should not have waited as long as he did and I mostly blame him for that. If your income was going to be an issue he shouldve addressed that with you from the beginning. I cant force you to sign anything but eventually I do believe that they will get an attorney involved and its going to cost you more money If they do And I do not want to see that happen to you. Show original message -- XXXX XXXX Realtor \| XXXX XXXX XXXX XXXX Your agency does not investigate the cases as they should. I must informed you that Vanderbilt reimbursed me the money they asked for appraisal, but, even though that I authorized Vanderbilt to provide all information to the realtor it seemed that Vanderbilt was not diligent in notifying the parties.
09/17/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32025	Web	Older American
I purchased a new mobile home in XXXX and had it financed with Vanderbilt Mortgage and Finance. For the past five years or more the mortgage company has had forced insurance coverage on the home because I could not afford the insurance at that time. The cost of the insurance premium was usually less than XXXX XXXX dollars with the premium payments divided into monthly payments and added in with my mortgage payments ; this resulted in payments of {$510.00}. I received a notice in XX/XX/XXXX from Vanderbilt Mortgage stating coverage had been placed on the home with a premium in the amount of {$1400.00}, and coverage of {$290000.00} on a mobile home that is only valued at less than XXXX XXXX dollars. My monthly payments increased to {$560.00} which I refused to pay because of the amount of coverage. I don't have any additions or other buildings on the property. I was able to purchase insurance on the home in XXXX, XXXX ; I called Vanderbilt to report that I have insurance and was told that I was three months behind in payments because the insurance premiums was taken from monthly payments causing partial and not full payments. When I tried talking to someone at Vanderbilt about the {$290000.00} in coverage I was told the company had no control over the amount of coverage. My concern is Vanderbilt Mortgage having {$290000.00} worth of coverage on a mobile home that is nineteen years old with just the home on the property. I also need to know if I need to file a complaint with the insurance commission? Thank you,
09/18/2018	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account status incorrect	MO 64804	Web	Servicemember
Violation of Fair Credit Reporting Act. Re-aged Voluntary Surrender from XX/XX/XXXX to XX/XX/XXXX. Contacted Vanderbilt Mortgage on XX/XX/XXXX to settle mobile home mortgage collection account that was a voluntary surrender in XX/XX/XXXX. Spoke to XXXX. Balance due : {$5000.00}. Agreed to settle for {$1200.00} within 90 days with remaining balance to be forgiven. Made the following payments via www.vmf.com online payment system : XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} Settlement paid in full in 37 days. Credit Bureau payment submissions by Vanderbilt Mortgage ( XXXX ) : XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Collection Account - Balance {$5000.00}. XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Balance {$4400.00}. XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) /Account Paid for less than full balance/Account Paid in Full, was a voluntary surrender - Payment " OK '' ( XX/XX/XXXX ) Balance {$0.00}. ( XX/XX/XXXX - Spoke to XXXX concerning XXXX not being updated with a {$0.00} balance. He was rude with me and told me to " take it up the the credit bureau. '' I filed a dispute with XXXX the same day due to Vanderbilt Mortgage failing to update balance on credit file. ) XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX Voluntary Surrender payment history deleted - Account paid for less than full balance/Account paid in full, was a voluntary surrender - Balance {$0.00}.
11/04/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OR 974XX	Web
I was approved for a modification through Vanderbilt mortgage and financial, inc. XX/XX/2016. My probationary period was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made XXXX payments without any problems. Then at the end of XX/XX/XXXX I was wrongfully terminated from my job leaving me with no income. I was able to borrow the money and called to make the payment on XX/XX/XXXX, I was informed that they would n't accept the payment and that my house would be auctioned off on XX/XX/2016 no exceptions. I received a letter dated XX/XX/XXXX which I did n't receive until the XXXX, stating I did not accept the trial payment plan and that there was no other relief they could offer me. I called on XX/XX/XXXX to inform them again that I was unemployed and that I was lead to believe that the forbearance could be extended because of this. They informed me that nothing could be done and that my home would be auctioned off on XXXX I have not been served or mailed any documentation stating that date. I have only been told XXXX different dates verbally over the phone. I am a single mother of XXXX children and I live in a very rural area that currently has a housing crisis and many people are homeless. If my home is sold I will be homeless as I am unemployed and suffering from anxiety and XXXX from the stress of loosing my job and my house back to back. I answered yes to the question below regarding did they help prevent foreclosure because they did when I was approved for a modification.
09/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 168XX	Web
My mortgage originally came with attached private mortgage insurance ( PMI ) payments. My loan documents state that once the loan-to-value ( LTV ) ratio reaches 80 % I ( as the borrower ) am able to request PMI removal. Since, I made additional principal payments I requested PMI removal when my LTV ratio fell below 80 %. After, initially refusing to acknowledge that PMI could be removed on a conventional loan ( Loan Amount was XXXX and issued in XX/XX/XXXX ), my lender denied my request for PMI removal on XX/XX/XXXX. The stated reason for denying my request is " You have the right to request early cancellation of your PMI on or after either of these dates : When the principal balance of your loan is first scheduled to reach 80 percent of the original value of the property. Your loan is scheduled to reach 80 percent of the orignal value on XX/XX/XXXX or When the principal balance of your loan reaches 80 percent of the original value of the property based on actual payments. Based on the actual payments made your principal balance has reached 79.86 percent of the original value. '' Thus, the lender is arguing that my LTV ratio now has to somehow reverse back above 80 %, which is only possible if I literally rescind previous payments. Based on their complete lack of understanding of the way a mortgage operates, my loan balance would need to be higher in order to have PMI removed. I am just flabbergasted at the level of incompetence and am at my wits end.
10/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 377XX	Web
2 weeks prior to my due date with Vanderbilt Mortgage, I inquired about a 12 hour difference in payment. my payment is due on the XX/XX/XXXX of every month for {$1300.00}. I inquired about a payment arrangement in which they informed me that I have 15 days before a late fee is charged and 30 days before its reported to the credit bureau. my loan was paid at XXXX on XX/XX/2019. it was paid 12 hours and 39 minutes past its due date and Vanderbilt not only reported to the credit bureau, but caused my loan to go into the deficit mode AND caused my credit score to take a 3 point hit. if they had told me this to begin with, I would have just paid it and let my bank account overdraft. I work too hard for this to happen. I have NEVER been late on ANY payment and because of 12 hours and 39 minutes, they reported to the credit bureau after me speaking to 3 different people telling me that I would neither have a late fee nor have an issue with my credit being affected. now, im worried about how this is going to effect me when I go to refinance my home in a couple of months because now, after a year with my home, I have my first ever late payment/credit report on ANYTHING ive ever had. i believe I was lied to, deceived and cheated out of my good score and reporting. I believe under the UDAAP, I was treated unfairly and deceived. I am NOT happy and will be reporting them to the XXXX as well. please get back to me ASAP as I am furious.
10/21/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	AZ 85140	Web	Servicemember
On XX/XX/2020, I was contacted by a representative of lender Vanderbilt homes who stated, " You are shown as a payer '' in relation to a debt owed by my XXXX and XXXX. I contacted supervision of the individual on the same day who admitted on a recorded call that the actions of the subordinate did happen and my name would be removed from their contact list for the debt. Per the representative of Vanderbilt Homes on XX/XX/2020, they would no longer contact me about a debt I do not owe. On XX/XX/2020, an associate of Vanderbilt Homes, XXXX XXXX, contacted me about the debt. The email states the following : " [ XXXX ] Hello, I noticed that we havent received a payment on the home loan in over 60 days. If you believe this was in error, or you are having a financial hardship, I am here to help you every step of the way. As your personal Account Representative, I would love the opportunity to speak with you about assistance options that may be available. I can be reached at XXXX or by replying to this email. Kind regards, XXXX VMF WH Stack Color Logo-EPS XXXX XXXX Collections Team Leader Vanderbilt Mortgage and Finance , Inc. NMLS XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ext XXXX XXXX '' I consider this a direct violation of the agreement for Vanderbilt Homes not to contact me from my copy of the preserved recorded call with their supervision on XX/XX/2020. I feel harassed by a lender I DO NOT owe a debt to.
10/20/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 290XX	Web
I am writing a complaint towards Vanderbilt Mortgage. I loss my husband in XX/XX/2017 and I struggled making my home payment because I had lost my husband income. I had life insurance money so I exhausted all of my funds paying a XXXX payment. I reached out to Vanderbilt for loss mitigation and they denied me. I went through a third party to put together a budget saying what would a resonable amount for me to afford with this home and they still said I could afford home. I have reached out to Vanderbilt several times for help. I have filed ch XXXX bankruptcy and went through a lawyer office to go through loan modification and denied loan modification and they are still saying I can afford the XXXX payment plus my bankruptcy payment plus other bills. I even wrote a hardship letter saying what I could afford. I have a 9.31 % rate and that is predatory lending. This is not the first time I have heard how Vanderbilt rips their customers off and throws people out of their homes without helping them stay in them. The government gives out funds to help with situations like this so where is VMF doing with the federal funds to the the customers that are really in need. I have even changed jobs so that I can show that by lowering my payment that I wouldnt get behind again. They are not willing to help their customers stay in the homes and they need to be investigated. They are a hard bank to deal with.
11/28/2020	Yes	Mortgage VA mortgage	Closing on a mortgage	FL 32792	Web
On XX/XX/2020 at XXXX XXXX email was received from XXXX to our Realtor stating that the CD sent was not Final but we need to sign in order to close on time. This was again expressed in a phone conversation with XXXX. We asked our real estate agent to assist due to the fact that XXXX or his assistant were not explaining things to us and were really hard to get a hold of. In which he followed up with the email dated XX/XX/2020 with a recap to us XXXX and the builder. I believe this was a great opportunity for XXXX to reach out if by any chance this info was incorrect. On the day of closing, we were put in a difficult cituation when we saw the amount was not {$9300.00} as previously thought and collaborated via phone by XXXX XXXX days earlier. We did not want to close to the point we left the title company after a phone conversation with our Real Estate Agent and taking into consideration that the builder had XXXX in escrow and that we had already given notice that we will be leaving our current residence we had no choice only to proceed with the transaction. All that we are asking is that the lender keeps his word and refund us the difference of what we got. Yes, disclosure where signed but XXXX told us there was a 3 day waiting period and the need to be signed that way to close on time but those were not the final ones. We feel we were misled and we are owed the amount promised via phone.
08/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA XXXXX	Web	Servicemember
During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. Vanderbilt company representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted Vanderbilt Mortgage and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through Vanderbilt Mortgage ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX Male they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
12/07/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	GA 315XX	Web
In XX/XX/2020, Vanderbilt Mortage reported that my mortgage account had been paid in full ( XXXX ). In XXXX, I contacted this agency to find out what was going on because the closed account status had a negative effect n my credit score. I pulled all three credit reports and account paid in full and closed had been reported to all three. I contacted the agency about the section and was informed that I would receive a response in 5 days. I contacted the agency after 10 days and was told that I should have received something in the mail. I informed them that nothing was received. I was then told due to my ex-husband filing bankruptcy that they could not give me any information about my mortgage. My ex-husband and I have been divorced for 15 years and the court documents show that the home was given to me. I have been trying to communicate with Vanderbilt Mortage for about a year about this account. But they refuse to give me information due to his bankruptcy but they are expecting me to continue to make my monthly payments. They refuse to give payoff information or my online access has been suspended. Although my credit report shows that the account has been closed since XXXX, I still make my monthly XXXX. I have never been late or behind on my payments. I would like for them to respond to this matter so that I could get my credit score back to where it was before the remark.
09/07/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OH 449XX	Web	Older American, Servicemember
I Sold my home and closed on XX/XX/30. The buyers financed through Vanderbilt Mortgage and Finance , Inc. Vanderbilt made distributions for the realtors, title company, and paid off my mortgage, which was also with Vanderbilt . Vanderbilt did not pay me the balance due to seller. It has been over a month. I have contacted vanderbilt by fax, phone, and email at least 25 times during the month. Also, through an attorney and through a XXXX XXXX XXXX complaint. They have not responded except to direct me to a different phone or fax number. They have not given an explanation for the delay or an estimated date the check will be mailed. A secondary concern of mine which they also have not addressed, is why is Vanderbilt paying by paper check through regular mail. I would rather receive an electronic deposit to my account. I feel that it is reckless to send a paper check for such a large amount through regular mail. I have also presented to Vanderbilt my concern about who the check will be payable to. My husband and I divorced and I purchased his share of the home and property as part of the settlement agreement, but could not have his name removed from the title of the manufactured home until the mortgage was paid in full. I have sent the document establishing this to Vanderbilt 4 times trying to get someone to assure me that this won't be a problem.
01/31/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 287XX	Web
A little over five years ago we went to XXXX to buy home. They told me they only dealt with Vanderbilt Mortgage. That was n't an issue at the time but when I went to sign the contract the interest rate was too high as 10.94 % the representative for XXXX Vanderbilt Mortgage tell me not to worry about it if I had make my payments on time in five years they would give me a much better interest rate. So I went forth with the loan. When I went to ask Vanderbilt Mortgage for a better interest rate several times to rework the loan they told me no in spite of my perfect payment history and submitted to them documentation that we have lost {$50000.00} of income and was struggling making the payment but I continue making the payment on time. I feel this is dishonest in a breach of a verbal contract that I had with the representative at the time I put {$10000.00} down and was going to pull away from the negotiations but told me not to worry about it they would rework it if I paid all my payments on time in 5 years and I have. One the representatives even hinted to me that I needed to be behind on my payments for them to even consider it which is also wrong. I feel that I 've been a good customer to them they 're making a lot of money off my interest and because I had a verbal agreement that it would be reworked in five years they should honor it.
02/17/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CT 062XX	Web
I purchased a house XX/XX/XXXX, and XX/XX/XXXX XXXX. I have been in and out of work since, and have continued to make mortgage payments to the best of my ability. XX/XX/XXXX, Vanderbilt Mortgage purchased my mortgage, and XX/XX/XXXX I reached out to them to explain the situation and begin the application process for their hardship program. To date, I have not been able to complete the process because XXXX has repeatedly lost or claimed never to have received documents from me and has continued to request additional documents whenever they receive what I have been told is the last set of paperwork they need. Approximately a month ago they finally had all of the necessary paperwork, at which point I was told that the process had to be restarted because it had taken so long. They have called me, as well as my fiance who 's name is not on the mortgage, approximately daily for months to demand repayment using offensive and condescending language and it has become readily apparent that they are operating in bad faith regarding their hardship options. They have refused to accept partial payments and are claiming that because I have been unable to continue to make mortgage payments while they dragged out the hardship application process, I am now in danger of foreclosure unless I pay the entire outstanding overdue amount within the month.
10/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 350XX	Web
Hello, In XX/XX/XXXX I contacted XXXX XXXX XXXX to tell them they are reporting my installment contract incorrectly and it is showing on all 3 credit bureaus as a mortgage. I have been turned down several times for an FHA first time buyers home loan because of this. I bought a trailer from Vanderbilt on an installment contract. This was not a mortgage, it was an installment contract - no land was involved, nowhere on the contract does it say mortgage, I did n't sign a mortgage, there is no mortgage recorded in the public records and the trailer is on a rented lot in a trailer park with the wheels and axles still on it. I voluntarily surrendered the trailer in XX/XX/XXXX. Per my request, Vanderbilt sent me a Letter on dated XX/XX/XXXX stating this was not a mortgage foreclosure but it is still reporting on all 3 credit bureaus as a mortgage, preventing me from buying a house. I 'm not sure what to do. I have been paying for services from XXXX for about 6 months trying to get my credit score up and now it was all for nothing because I have been turned down by several lenders because of Vanderbilt and now those hard inquiries have dropped my score from a XXXX to a XXXX. Please let me know if you can get this account to report as an installment agreement instead of a mortgage. Thank you so much! XXXX XXXX
08/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 295XX	Web	Servicemember
I have asked Vanderbelt mortgage company to assist me in a hardship since mine and my husband 's health has deteriorated in the past year we can not pay our mortgage in full. I have submitted hardship paperwork showing that I need help in refinancing our loan with a lower rate this bank is taking almost 11 % due to our credit being poor. They refused to help us. We have searched other banks and because our credit is not perfect no one will help us. Me and my husband are XXXX my husband is retired military XXXX and I have had XXXX due to a severe accident. We have XXXX children and are afraid of losing our home. With all these new government programs out there that are supposed to help with lowering your interest-rate no one can seem to help us because of our credit. If Our credit was perfect we would not need the help ... these programs should be designed to help people with poor credit. We have had our home for a year now and Vanderbilt Mortgage Who works with home first Who works with home first House insurance has raised our payment twice in one year by almost {$400.00}. Please we need some help in refinancing to a lower rate in fear of losing our home and this bank is ripping XXXX people off. This bank in particular is the only one that takes people with poor credit and charges a high interest-rate.
11/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01844	Web
I have a no prepayment penalty mortgage. I closed XX/XX/XXXX. I have been paying extra monies every month to pay down the principal faster. In XXXX of XXXX I receive a notice that any extra monies I send in would be held until I paid enough monies to make a full payment. I telephoned immediately and explained that I did NOT want my money held to make a full payment ; I wanted my extra monies paid to be applied directly to the principal has they have been done since XXXX. In XXXX my extra monies were applied to the principal. When I went to pay my XXXX payment I noticed that the mortgage co did NOT apply my extra monies to the principal. I again telephoned customer service and was told that they would fix the issue and apply my extra monies paid in XX/XX/XXXX to the principal and they would apply the extra monies paid in XX/XX/XXXX to the principal. I called a third time 4 days later to be told that there was a delay in posting the extra monies but they would be applied properly. I just checked my mortgage account and the extra monies paid were NOT applied to my principal but used to make my XX/XX/XXXX payment!!! I have been charged interest on monies I have paid in advance!!! My mortgage co has illegally held my monies, charged me interest because my monies were NOT properly applied and lied to me!
07/28/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78258	Web	Older American
I applied and was pre-approved for a Manufactured Home Loan on ( XX/XX/2019 ) later it was denied. The irony of it is that the first decision was supposedly based on credit history, but the questions that were asked to me by the officers/processors were related to age and somewhat about credit and work history. Another irony is that I proposed a 22 % down payment. The lady was very eager to ask for money to conduct the appraisal, processing, etc. Later she denied it. She even was reluctant to talk to me by phone and did not answer my calls and messages. I feel that Vanderbilt is violating the Fair Credit Practices in terms of Housing and Fair credit in terms of personal loans and/or credit cards. The reason is that the lady used other factor than the capacity to repay the loan. The factor that she used was two-fold : age, and national origin. I also believe that the decision was not fair and was solely based on age and national origin or race. It means that Vanderbilt is trying to make America XXXX and Young Again. Please, consider this a formal complaint and be aware that I am seriously considering 1. File a Formal complaint with HUD Office of the Inspector General and the Consumer Protection Agency, 2. Develop a blog to let other people know about these practices.
11/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98310	Web	Older American
On XX/XX/XXXX I received a letter from my mortgage company, Vanderbilt Mortgage. The letter was dated XX/XX/XXXX. The purpose of the letter was to inform me that the servicing responsibilities for the loan were being transferred to XXXX XXXX XXXX and that this is effective as of the XX/XX/XXXX payment. I have had loans sold before but never with this short of notice. The law appears to require them to give me at least 15 days notice. The date of their letter was 15 days before the payment date, but that date doesnt count. The clock should start when I am notified, which was when I received their letter. Please hold them accountable for short cycling everyone to whom they did this. With a XXXX XX/XX/XXXX letter, the effective date should have been XXXX XX/XX/XXXX. I have auto draft set up with Vanderbilt, so in order to get back to that, I will have to make at least one separate payment to the new outfit. And as of XX/XX/XXXX, XXXX XXXX XXXX hadnt received my loan information from Vanderbilt, so I cant even make that payment yet. This is completely messed up. I recognize that the new lender has to give me a 60 day grace period for late payments, but if Vanderbilt had done their job right, this could have been seamless and there would be no need to rely on any waivers.
07/16/2022	Yes	Mortgage FHA mortgage	Closing on a mortgage	GA 30047	Web
We refinanced our home with this company a month after closing we get a call from our broker saying that their underwriter made a mistake and the FHA doesn't accept the type of flood insurance that we bought in the loan application process out of respect to this loan officer we said ok he recommended an insurance agent that we used our new policy was around {$1000.00} more we paid it in full another XXXX weeks we started getting calls that the payment is going to be more and that I need to sign more papers so the price of the policy can go into escrow I told them that was not right and there should be no more signing after the closing, they kept calling and sending me XXXX XXXX with documents to sign then a supervisor with them call he respectfully said that that was an FHA requirement so I asked him but I paid for the policy for a year why should I pay it over again I even offered to pay for another year so my monthly payment doesn't go up he said no it's required by FHA come to find out that is not true also in 3 months I paid OFF more than XXXX of balance not payments but that have not been reported as making payments on time I was intimated by fearing for my house into signing for the payment broker company name is silverton mortgage supervisor name XXXX XXXX
01/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70815	Web	Older American
I have a mortgage on property at XXXX XXXX XXXX XXXX, XXXX XXXX, La. since XXXX and the mortgage have been transferred about six times or more. I am now assigned to Vanderbilt Mortgage and Finance Co. also XXXX XXXX it was a 80 to 20 loan. I filed a bankruptcy on XXXX XXXX, XXXX and payments was collected monthly in the bankruptcy payment plan and I paid XXXX each month.I have proof that the payments was paid. My attorney XXXX XXXX advised me to asked Vanderbilt for a modification and I did send the paper work in, I got out of bankruptcy in XXXX XXXX and continued to make my payments even now. I received a card from the Sheriff in my door. I would like to save my home but they told me I would have to pay {$6000.00} to bring my account current. I still pay XXXX XXXX each month. I would like you to investigate the payments I was told that when I got out of bankruptcy the money owed would have to be paid to bring the account up to date. I would like you to investigate .and remove this complaint from the better bureau from my record. My daughter is with me and I have more income to help me pay my morgtage she help with all my bills and that is why I asked for a modification loan and was declined or pay XXXX to catch up.
09/27/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 379XX	Web
Covid 19 pandemic caused me and my spouse to be unemployed.our unemployment awaited approval inXX/XX/XXXX and XX/XX/XXXX due to conviental loan under mandate I had no help like the Fha loans got forbearance all Vanderbilt mortgage offered was forcloser if I didn't get XXXX doll.i asked them for assistance in the sell if my home in XX/XX/XXXX.i had serious buyer.in a recorded conversation they didn't offer me any assistance with sell or forbearance.i come up with assistant bring loanto current in XX/XX/XXXX. Then in XXXX I find more help XXXX I need Vanderbilt to sign a paper that XXXX needs to help with mortgage I call leave messages send emails telling them I got to have this paper.finally Vanderbuilt replays after I complain to XXXX on them for it giving me the paper.i get it call XXXX and they say too late they ended program and can't help me now but new program opening I qualify for. Vanderbuilt won't return call emails again have a buyer Vanderbilt mortgage says they won't stop forcloser and sell my home.iamXXXX inhospitl trying to not XXXX XXXX XXXXi can't afford lawyer don't know what to do. Vanderbuilt signed paper from XXXX saying they won't foreclose after revicivibg money for mortgage but they did.
05/14/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	LA 70815	Web
I paid the amount that was ordered by my Attorney XXXX XXXX for my bankrupty that was filed XX/XX/2015. I was told by XXXX XXXX to pay my payment of XXXX monthly and the bankrupty court was also collecting payment each on this account. I do have my receipts for the payments I made and also proof for bankrupty court collected.as my attorney instructed me to do so. I was told by Vanderbilt Mortgage agent that they were going to foreclouse on my house in XXXX XXXX XXXX XXXX. I was making to payments a month on this loan how could I be behind that is why my Attorney made sure I was paying my payment each month me and my daughter paid. I paid XXXX where was that money applied. Where was the money the bankrupty court sent to them applied? They told me I am XXXX behind and that is what I need to pay to catch up on my account, they are foreclouseing on my house. They are reporting to the credit bureaus that I am 30,60,90 days and behind on payments. I asked for a mofification and they denied me because my income was not enough and I got this house with the same income I have now but my daughter help with my income so I have more income and was told not enough. Please help me with this mortgage company.
03/07/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Attn : Customer Service Vanderbilt Mortgage and Finance , Inc. XXXX XXXX XXXX XXXX, TN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Owner : XXXX & XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Vanderbilt Mortgage and Finance, Inc ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. I have owned the subject property since XXXX. Although Vanderbilt Mortgage and Finance , Inc is my loan servicer, I am unaware of the present lender, which is allegedly governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.
03/19/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 139XX	Web
My issue is with Vanderbilt mortgage company every month that Ive fallen behind in the last 3 years they have harrassed degraded, and have told me what bills to not pay so they get there money. XX/XX/2018 I fell behind and told them I would pay on a certain date they asked for personal tax info to prove I would pay one time past 30 days due to three deaths. My husband took a pay cut at work that hurt our monthly income so this is why sometimes I pay a fee, they sometimes call me 3 times a day even if I give a date that Impaying Ive had to block them, because they have caused me a lot of anxiety. I sometimes pay a late fee, but this was the first time I was past 30 days Ive never had a company be so harassing in two days they sent someone to take a picture of my home and a certified letter the day after even with a promise to pay date in place. They make it really hard to talk to them in tough situations. They also offer no help in tough times and make you feel like a scum bag for not having there money. One person even said get another job. They have caused me a huge amount of stress and thought someone should be aware of how they treat people.
10/26/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 410XX	Web
I fell behind on my mortgage around XX/XX/2017 due to slow work and less money.I am also taking care of a XXXX grandchild. I am really struggling in life. I tried my best to keep up, but the money just keeps accumulating. I became so desperate and stressed out. On XX/XX/XXXX I applied for mortgage assistance with my lender Vanderbilt Mortgage. I then received a letter dated XX/XX/XXXX offering me {$500.00} to vacate my home by XX/XX/XXXX. I received the letter after XX/XX/XXXX. So, they basically gave me a week to vacate for {$500.00}? How dare they? {$500.00}?? What am I going to do with {$500.00}? Then a letter dated XX/XX/XXXX arrives asking for {$2100.00} and then they'd bring me back to current and denied my application because it was their " belief '' that I can afford the payments with the current terms. So first {$500.00} to basically go homeless and then just magically pay them {$2100.00}? Are they crazy. They are really a nasty bunch. My interest rate is 12.72 %!!! And, I am not by any means wealthy. I just want some payment relief so I don't get into this situation again. These guys are a real bad bunch. I need help. Please.
10/19/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MN 55420	Web
I had a financial situation occur that was not my debt that brought my bank account balance down to nothing. I called my mortgage company in XXXX while I was still current to inquire as to if there was anyway to skip a payment. They informed me that they could do an " informal forbearance '' and I could skip that months payment and they would split it up over the next 3 months along with my normal payment. I told them that I could make my payment if it was going to adversely affect me and I was told that there would be no issues. I made the payments as agreed and well before the time they were due each month. I happened to look at my credit report and saw that they were reporting me as being 30 days late for the 3 months. I called my mortgage company to ask why this was and I was informed that they were sorry for neglecting to tell me I would get reported as delinquent and that there is nothing they can do about it. I reminded them that when I made the arrangement I was still in good standing and only did the payment arrangement as I was told it was not an issue ... and their response was again, " we are sorry for not telling you. ''
03/21/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 350XX	Web
Vanderbilt Mortgage is destroying my life. I am a XXXX, XXXX of XXXX children and a devoted wife. In 2021 Vanderbilt Mortgage through XXXX homes did not follow protocol by inspecting the home and land padding that I purchased from them. In result of this the state of Alabama inspector stated that the home was dangerous and I could potentially be killed because the home was set up incorrectly. I was devastated! I contacted them numerous of times, mailed letters etc and they failed to help so I gave the home back. Vanderbilt Mortgage promised that nothing negative would be placed on my credit but they lied to me. A few months after the took the home back and sold the home, Vanderbilt placed damaging information on my credit report although this was their error. Please help me and have them remove this false information from my credit report. They had a agent call me and threatened me on several occasions to pay {$20000.00} to them after they sold the home. I never lived in the home at all, the home was new. They set it up wrong and the home was damaged and shifting. Me and my family could have been killed because of their negligence.
12/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28787	Web
During the pandemic we lost our jobs, Vanderbilt has refused to help in any way available. Last year they paid my property tax without my permission as I do not have an escrow account and that has always been my personal responsibility. They demanded that in full at first then divided it to add to monthly payments. My payments have been applied to late fees first etc. all of the extra added expenses they have put on my account is impossible to catch up on. I asked for a forbarence twice with a denial both times because of no job yet. They filed foreclosure and immediately sent an eviction notice before the court date! I never took out a loan with Vanderbilt to begin with, they assumed my loan from a different company so they should have had all my contact information but instead started calling my neighbors telling them Im late on my mortgage and please tell them to contact us! Thats none of my neighbors business. They make up their rules as they go which is illegal and fraud. I would appreciate it if this company can be investigated as Im sure Im not the only one that has been financially abused by this company
09/20/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	GA 300XX	Web
On XX/XX/20 I was informed by the lender representative via phone call that I would not receive my closing credit of {$2100.00} fifteen minutes prior to scheduled closing. After that call he called me back and stated that I would instead owe {$1100.00}. I was assured by the lender representative in prior communications to specifically discuss clarity of closing credits that the there would be no more than a $ XXXX {$300.00} variance if any at closing from what was represented on the original closing disclosure. In multiple calls with the representative prior to closing he made it clear that there was nothing that could be done to honor the original closing disclosure I signed on XX/XX/20. The closing disclosures initially provided by the attorney did not reflect documents signed on XX/XX/20. The closing attorney did notice an error regarding property taxes that negated the {$1100.00} the representative said I owed but did not reinstate the {$2100.00} credit on the original signed closing disclosure. The closing disclosure was then revised a second time to show that neither party would be credited at closing.
05/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75060	Web
My loan was taken over by Vanderbilt in XX/XX/XXXX During the transition, it was unclear how to make a payment, so the XXXX payment was made online through their portal on XX/XX/XXXX. On XX/XX/XXXX, XXXX reversed the payment and charged a late fee. I called on XX/XX/XXXX and payed up through the XXXX payment ( 3 months payment ) via check over the phone. A partial payment before the XXXX due date was made through the online portal on XX/XX/XXXX and accepted. On XX/XX/XXXX, they reversed the payment. On XX/XX/XXXX, the full amount due for XXXX was paid using a different bank through their online portal. A call was made after the payment was accepted to verify it went through and the account was credited, and everything was confirmed by Vanderbilt. I received the XXXX payment statement on XX/XX/XXXX showing the account was current and the XXXX payment was processed. On XX/XX/XXXX, Vanderbilt reversed the payment and will no longer accept payments online. There was never an overdraft issue. All bank information has been verified with the banks and Vanderbilt refuses to accept payments and blames the bank.
10/14/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	AL 350XX	Web
Hi my name is XXXX XXXX and I am complaining on Vanderbilt Mortgage.. I am under bankruptcy.. I have a insurance claim that was filed under my Insurance. They are giving me problems with issuing out the money to get the home fixed.. I have took out money out my account to get home fixed because they have been prolonging with sending money to fix and pay when the job is finished.. when I call them they dont seem to care but they are holding on to insurance money that I pay every month for my home to be protected and this is by far the worst experience that Ive dealt with.. because I love my home and theyve waited 2 months for my home to be fixed after my insurance company did their job to make sure that my home gets fixed.. Ive sent everything they always ask me to send and I give them days to process that and when I call back they come up with something else for me to send in.. & again this has been going on for 2 months.. Ive had other damages in between this time because of storms and rainy days coming through.. This is the worst finance company ever ... I feel as if they are defrauding my insurance..
05/06/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC XXXXX	Web	Servicemember
XXXX XXXX , XXXX My elderly Mother XXXX XXXX XXXX who suffers from a host of medical concerns that include, but are not limited to ; XXXX XXXX ( legally XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX was instructed by Vanderbilt Mortgage ( XXXX XXXX XXXX ) to delay making her monthly payment until after the first of the month. This instruction was issued without any loan modification agreement to reflect any changes in her payment schedule based upon her current loan agreement. I have had an opportunity to obtain and review a Vanderbilt Mortgage 's " Early Foreclosure intervention '' document dated XXXX . It certainly raises concern that Vanderbilt Mortgage is advising a customer to delay remittance of payment in an attempt to place the account holder in a " foreclosure '' posture. The account holder owes approximately XXXX on a property valued at XXXX and refuses to release the lien on an attached parcel valued at XXXX . This type of behavior by any lender is despicable and absolutely intlolerable.
04/21/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 380XX	Web
When I first took out my mortgage I was married at the time and the loan was based on my husbands income of XXXX a year with him as the primary and me as secondary. We have been divorced since 2015 and he have me the house in the divorce and has also quick claim a deed and sent to mortgage company and court house. I only make XXXX a year and have asked many times for a loan modification and have been denied. My current mortgage is higher now then what it was before due to escrow. I am struggling financially and have XXXX children to support. I have been making my payments each month but in past I have fallen behind when between jobs. When I am late on a payment the company sends a letter stating they can help with a loan modification-Or type of assistance that would give me a few months to get financially better but deny me when I call. I need to make some home improvements and catch up on other debts. This mortgage company will not work with me and base my mortgage on my current income nor will they take my ex husbands name off of the mortgage. The mortgage company is Vanderbilt mortgage company
12/18/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 95209	Web
Between XX/XX/2018 and XX/XX/2018 I applied with XXXX XXXX of XXXX to purchase a mobile home. We had to apply for a Mobile Home Loan via their loan servicer Vanderbilt Mortgage and Finance. In the process of transferring my handwritten credit application into electronic form the income reported for the borrower was doubled. Also when signing the closing loan documents the borrower nor the co-borrower were advised of our right to rescind, a notice of rescission was never given to us. We also have 2 different conditional loan approvals one states we are married the other states we are not. one states that we wish to not disclose our race while the other one states our race. One loan approval has a higher interest rate, higher payments, while the other one has lower interest rate with lower payments, all based upon the same reported income. I believe that myself and the borrower are both victims of predatory lending. as a result of a financial hardship we were sent a letter of default and subsequently evicted. Also an amount of XXXX and an eviction was reported to the credit reporting agencies.
12/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 630XX	Web
We sold our XXXX home on XX/XX/2016 our lender was Vanderbilt Mortgage. Today is XX/XX/2016 and they just notified me today that we need to send a letter to the XXXX XXXX homeowners insurance to cancel the insurance because it renewed during the payoff. So they will not release the title until that is done. Ok fine but it has already been past the 10 days that the law states they have to release the XXXX once they received their money ( XXXX ). We have people waiting for their title. The check to XXXX cleared the title companies bank on XX/XX/2016. We never even wanted this home owners insurance company but we were told we had to go with this XXXX, the same with the Lender we were told Vanderbilt mortgage was the only mortgage company that approved us. Well now I realize why, XXXX owns all of the companies they are all part of XXXX. This was a XXXX guess who owns XXXX XXXX Seems quite illegal to me. This company has seemed shady from day XXXX but when you need a house in XX/XX/XXXX you tend to overlook things until it is too late. there were many things not done right during this loan.
08/28/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage Changes in loan terms during or after closing	KY 410XX	Web
My husband and I recently purchased a modular home from XXXX homes and financed with Vanderbilt Mortgage. At closing we were told that we would not be charged for XXXX days once we started occupying the home. They had us close in XXXX signing all the closing paperwork. The delivered and set up the home. The loan had not been booked. At the beginning of XXXX we still dont have electric or HVAC and they booked the loan. The home does not have a certificate of occupancy and none of this was told to us while applying for the loan, during the process, or at closing. I feel this is a deceptive practice to consumers especially if they are not familiar with the loan process. This loan was not set up as a construction loan, yet was handled as one. The money was showing as disbursed to XXXX homes and I have no budget or invoices to know if any money should have been owed back to me on the loan if the contractors didnt go over budget. Now we have a home that cant be occupied that we will be paying a full payment on not interest while its still technically in a construction phase.
10/20/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28625	Web
I have called Vanderbilt Mortgage several times back in End of XX/XX/XXXX, to ask about maybe getting a forebarence extension. They told me that since my co-hab partner was no longer in the home there was no possibility of me keeping the home because it wasnt affordable to me alone without XXXX income. I ask her several times about working on A payment plan to get caught up, re-finance, and about extending my account that XXXX XXXX and have a XXXX XXXX old son in the home a XXXX XXXX XXXX. I didnt want to lose my home. As usual they were very rude saying I just had a forbearance back in XX/XX/XXXX and that it was just be best for me to sign a deed by of luea and take {$1000.00} and leave the house I. Good standing and just move out in with family and friends. I never agreed to that and asked why I couldnt get my payments lowered to make them more affordable? They saw they were starting the foreclosure process and I was going to have to move one way or the other. Anything you could do to help with this situation would greatly be appreciated. Sincerely XXXX XXXX XXXX
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 360XX	Web
Recently, I did an investigation of my credit report which caused me some issues. All XXXX Bureaus are showing a balance that is inaccurate according to contract. It is a different amount listed on contract. in accordance with 15 USC 1605 it would be a violation, also I would like to exercise my right to rescind the contract. In accordance with 1026.23 I have up to 3 years to rescind the contract. I have sent written documentation to the creditor requesting that right. I tried several times to rescind the contract upon signing it and I found out that it was not a double wide. I was told that it was too late. I was never given any paperwork stating that I had 3 days to rescind. Upon delivery of the home it had a crack. I tried numerous of times including contacting insurance to have it repaired and the company XXXX XXXX that I purchased it from repaired it one and it cracked again and they continued to stall until time ran out and it has yet to be repaired. According to 15 USC 1681a ( 2 ) ( a ) ( i ) it is a violation to report late payments as well.
10/03/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	TN 37803	Web
My husband and I applied for a loan for a single wide to put in our property for our daughter and grandson to live in from Vanderbilt mortgage. We were promptly denied because our credit score was not above XXXX. It is for both me and my husband. My credit score is XXXX pts higher than XXXX XXXX stated mine was. My daughter applied and cant get the full amount financed so I agreed to co-sign. The request was denied, not based on credit worthiness but XXXX XXXX wont allow me to continue to own another mobile home ( which doesnt have a mortgage or any type of lien against it ). This is an unreasonable request and property that could be used to secure the loan. She has decided she is NOT going to loan to us regardless of credit score or credit worthiness and made that fact abundantly clear in our conversation today. It should be noted that creditworthiness or ability to pay is not an issue nor is it being considered. We have an annual household income of close to $ XXXX and no mortgage. The amount we are attempting to borrow is approximately $ XXXX.
02/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 411XX	Web
In 2015 me and my ex wife bought a home with Vanderbilt mortgage finance company and we divorced and she got the home and judge awarded her it and left me legally not responsible for it at all. Since then it has appeared on my credit and has hurt it where I cant get a loan or mortgage cause of it. I have called them and asked them to remove it and they said they wouldnt and I have told them several times that I have legal papers to show that I am not longer responsible for the mortgage loan and they said they dont care, So I went and ask a judge about it and it was told to me I have rights and to file a complaint against them to have it taken care of, so I have filed a complaint with credit bureaus and I have done it again and hopefully it will be taken care of. They have been rude and unwilling to corporate and it is not right for them to do this to someone. Its illegal and Im just trying to get them to do whats right It should be removed from all credit bureaus and no bad comments or anything negative on there from them cause this is horrible
03/07/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 279XX	Web
In XXXX of XXXX, my husband and I caught XXXX. He was out of work for about three weeks and didnt receive a paycheck for a month. We fell behind on our mortgage. We contacted our mortgage company ( XXXX ) to let them know. We thought they would be understanding and willing to help. They were horrible! Asked all of kinds of personal questions as well as told us we had to pay it and there are no other options pretty much. They had one option to that they put us in which was their assistance program. We had to wait a month before they gave us an answer. After they month, we received a decision. They denied it because they stated they felt like we could pay it. How can you pay off youre 2 months behind and payments are steady coming in. I know that since Covid, lots of programs have been in place to help them in times such as this. We didnt ask for XXXX. It just happened and our mortgage company was the worst company that we dealt with. Everyone else weee very helpful and deferred our payments so we could easily catch up.
10/01/2015	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NC 28405	Web
I was under contract with a home that was foreclosed on by Vanderbilt Mortgage. I was preapproved for the contract price of {$110000.00}. My Lender obtained an FHA appraisal for my purchase of the property. The FHA appraisal came in for {$88000.00}. After XXXX extensions to my due diligence contract the asset Manager notified their selling agent and my buyers agent that they were canceling the contract and removing the home from the market since the appraisal came in so low, and I was told that the property would be removed from the market. I just saw the property listed for sale and called XXXX number listed. They are attempting to sell and finance a home that appraised less than 30 days ago for {$88000.00} for {$110000.00}. That is {$31000.00} upside down in this property and should be considered predatory lending. Mortgage and Real Estate professionals in North Carolina are to be held accountable for everything they do, Vanderbilt Mortgage needs to be held accountable for Predatory Lending Practices.
06/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 71107	Web
I requested assistance from my lender multiple times and they denied me for review from anything other than lump sum payments towards my delinquency. On XXXX/XXXX/2015 I sent in a complete package for a review for the Making Home Affordable Program. On XXXX/XXXX/2015 a paralegal from my attorneys office called the lender and spoke with a XXXX, at Vanderbilt, and asked for an update on the modification review. The representative stated that they reviewed me for an assistance request in XXXX and offered me to make a lump sum payment of XXXX mortgage payments towards my delinquency and because I did not accept that, that they are not required to review me again for an assistance request. When clarification was asked for not reviewing me again for assistance, the representative stated, " well unless we see a dramatic difference we wont look at it again. " Please help. I know I am eligible to be reviewed for the making home affordable program and my lender is refusing to give me a fair review.
12/28/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 416XX	Web
After losing all income and COVID making it difficult to find work for 6 months! Vanderbilt mortgage did not offer any assistance. Struggling to make payments we managed to keep the payments paid and only fell behind 2 months of payments and a small portion of another. When calling to pay over {$800.00} once our jobs started and agreed that the account would be up to date by XXXX I received extremely rude service from not XXXX but XXXX people including a supervisor. Ive explained multiple times our situation and that we were doing everything possible to bring the account up to date. They harassed and humiliated me over {$30.00}. I have kept contact with them once a week and kept them updated of our situation our account is only behind XXXX payment now. There is no reason they should bring a client to tears over {$30.00} after seeing the notes of our situation and me being more than willing to work with them and be polite and understanding. The disrespect from this company outrages me.
11/03/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage Trying to communicate with the company to fix an issue with the loan closing	SC 29016	Web
Silverton Mortgage and XXXX XXXX in XXXX SC XXXX XXXX XXXX are colluding to deny buyer return of earnest money of {$8600.00} and refusing arbitration requests from the buyer. Silverton and XXXX have been notified on multiple occasions by buyer of negative item ( s ) on credit reports that may disqualify buyer from home purchase. Buyer has requested on multiple occasions an update to their mortgage application and consumer profile used to determine buyers qualification to close. On each occasion Silverton and XXXX refuse to comply and have insisted on forcing buyer to either close or lose earnest money, while they are continuing to use an incomplete underwriting file for the determination. XXXX is aware Silverton has not and refuses to update the buyers credit profile, per the buyers request. XXXX is also denying the buyers request for arbitration, which the purchase agreement allows for. Buyer is requesting immediate relief of return of {$8600.00} earnest to buyer, forthwith.
07/29/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	MI 49424	Web
Vanderbilt Mortgage and Finance Inc will not remove the PMI from my house payment. The law is clear. at 78 percent they have to remove it. The orginial loan was for XXXX. the original contract date was XX/XX/2013 outstanding balance is Principal Balance {$120000.00} i have email them asking them to remove the PMI They say it is only at 80 percent. Not according to the precentage I have. it is currently at 78 percent not the 80percent they claim. 78 percent of XXXX is XXXX if you take the XXXX from the orginial amount of XXXX that equals XXXX. the only reason they are trying to not remove the pmi is because it benfits them. AND vanderbilt keeps all of that money {$90.00} a month then sends it to federal at the end of the year. I have not been behind my mortgage I am current, and never been 30 days late. They dont have a solid reason not to remove it. They sent me a letter telling me that I had to have a appraisal. The law is clear at 78 percent they have to remove it ..
12/20/2019	Yes	Mortgage VA mortgage	Incorrect information on your report Account status incorrect	MA 023XX	Web	Servicemember
Vanderbuilt mortgage and finance is inaccurately reporting a mortgage as being paid for less than amount owed. Originally they had reported it as a foreclosure, then after contacting the CFPB they changed it to settled for less that amount owed. I refinanced my VA loan away from Vanderbilt mortgage and finance in XX/XX/2019. I paid off Vanderbilt mortgage and finance with a new conventional mortgage with XXXX XXXX XXXX. Vanderbilt is incorrectly reporting on my credit report. I paid off the principal balance of the loan plus attorneys fees when I refinanced. I am unable to qualify for a mortgage loan now because of the inaccurate reporting from Vanderbilt. My home was not foreclosed on. Vanderbilt mortgage and finance provided a payoff quote to my new mortgage company that they paid directly to them. XXXX XXXX XXXX has had to be contacted twice to get Vanderbilt to abide by the agreement made with us, to accept payment in full and discharge the lien on my home.
08/02/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 315XX	Web
On XX/XX/XXXX the office of commissioner 's insurance and safety fire, for the trailer purchase through XXXXXXXX XXXX with Vanderbilt mortgage on XX/XX/XXXX and installation date was XX/XX/XXXX. A month after moving in we started having multiple problems that was at their fault to be fixed.so they never came I had to go through fire marshals office and they came and found XXXX serious violations that was trailer dealer/manufacturers fault. The installers didnt even have a license to install trailers.So in XXXX I had to file bankruptcy. I hired a lawyer who was taking payments that I thought were for mortgage and assets. Well he wasn't doing that so now I'm 4 months behind and instead of fixing there mistakes they are trying to foreclose and take my land and home.i hired a lawyer in XXXX to sue XXXXXXXX XXXX but I need to catch up my payments to do so. They're trying to foreclose before I catch payments up so I can't pursue them fixing they're violations.
05/18/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 286XX	Web
In XX/XX/XXXX my husband & I received a mortgage loan of XXXX dollars to get XX/XX/XXXX square foot home on land my husband inherited from his father. We got behind on the payment a couple of times and received several phone calls from Vanderbilt Mortgage harassing me and my husband at all hours of the day even when we told them to only call on Wednesdays from XXXX. They called my father, mother-in-law, and brother-in-law threatened them that we did n't pay they would take our home. I did n't sign the contract my husband did but I still received multiple notification including from their attorney with my name saying that I was a creditor that signed the contract. We had to change our phone number several times and my mother-in-law had to disconnect her phone number because they would not stop harassing her. THey harassed me into going to labor with my last XXXX. I was hospitalized for a month to keep me from going into labor at XXXX.
11/11/2017	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 724XX	Web
I was approved by Vanderbilt Mortgage for a manufactured home loan and my loan office wont return my calls Ive left several voice mails they wouldnt give me her email I had to get it from a XXXX homes employee, she is not responding to my emails Ive sent her home buying assistance application she wont respond Ive even sent out dated application she wont respond. I called XXXX XXXX she wouldnt answer she had them tell me she was on break then they sent me to another loan XXXX who wouldnt help me but told me I dont qualify for a fha but they gave me a conviental loan with high interest high down payment and a high mortgage and no one wants to help me fix it. I am a single parent of XXXX I down have XXXX XXXX just laying around. I thought your supposed to help your clients find the best possible mortgage the best fist time home buying process not just push them to the side cause they dont fit your expectations
05/19/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	WV 25177	Web
Basically according to the XXXX app ( paid version ) I have FICOs of XXXX XXXX XXXX According to these lending companies my fico is a XXXX Give it to consumers straight. If Im paying XXXX a month for a service dont give me false hope for being able to get a USDA mortgage Also, medical bills that were off my credit are now being reopened and added back as current debt owed. Bill from 2012 for XXXX for example Also credit card agencies are quick to report debt but extremely slow in reporting payments When you do pay off collections it takes months for them to remove but seconds to put it on your credit Credit repair agencies tell you to get credit cards and keep balances low. Even with low balances it drops your credit significantly Also with a mortgage I was told 45 days of shopping around without it affecting credit score. Im getting hit with hard inquiries left and right Please give me guidance
03/28/2022	Yes	Mortgage FHA mortgage	Closing on a mortgage	GA 30680	Web
During the process of qualifying for a FHA loan the mortgage company had me sign 3 disclosures. Each one had an increase and I did not authorize the increase nor the amount of the closing cost that continually went up. Our closing date was changed 3 times. This whole process cost us additional money and stress. We almost didn't close on our dream home due to the confusing and excessive applications. We were put in very uncomfortable situation financially and emotionally. I was instructed to file a complaint due to the volume of misguided events leading up to the closing. Someone please respond to my complaint. Please. We feel that this was not handled properly and we didn't receive any first time home buyer assistance as promised we qualified for. I can only upload one closing disclosure because of the size. We have a total of 3 closing disclosures with different amounts and financing rate.
06/29/2023	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 75165	Web
I sent a XXXX letter to Vanderbilt Mortgage and Finance , IncXXXX on XX/XX/XXXX. It was late to be delivered and when I inquired at the local post office, they gave me some incorrect information. It appears the letter was received XX/XX/XXXX, as expected, but USPS is delayed in the tracking. I apologize to VMF for the accusation. However, my letter addressed 15 USC 1692g ( b ) in larger font than the rest of the typed letters, to make it clear and conspicuous what I was requesting. VMF responded that my letter was referencing RESPA, which is in no way, nor has it ever been, relevant to my relationship with VMF. This is a blatant 15 UCS 1692 ( a ) violation as an abusive, deceptive, and unfair debt collection practice. I would suggest that the person who put their signature at the bottom of the letter should be ashamed of themselves for this display of ignorance.
06/17/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29690	Web	Older American, Servicemember
I have been in my home for 20 years. It is in good condition. I have paid the principal balance down to {$32000.00} from {$100000.00}, so I am sure that I have equity in this property that they are trying to take from me. They initially offered me an opportunity to modify the loan over the phone, but never collected documents from me to complete the review. My interest rate is 8.95 % which is significantly over the current market rate. A modification would make my payments affordable by lowering my interest rate, and possibly reforecasting my term. They have escalated my situation and referred my property to foreclosure without giving me any consideration for loss mitigation retention options, or any of the reliefs that the CARES Act 2020 offers. I do not believe that they are servicing within the DOJ or CFPB servicing guidelines for home owners.
02/04/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 283XX	Web
Vanderbilt Mortgage and Finance , Inc. XXXX XXXX XXXX XXXX, Tenn XXXX I was XXXX and on XXXX because of a XXXX XXXX I have only ever had a XXXX payment as my income, Vanderbilt excepted this 18 years ago, now my Mother and Fathers health is failing my Father is on XXXX Now they both live with me and my XXXX years old son, we only have around {$1200.00} per month between us coming in to the home. I have tried to talk to Vanderbilt several or actually I had a friend talk for me in my presence because I have a difficult time expressing myself because this is my home and I get very emotional, the last statement I received from Vanderbilt was on XX/XX/2019 was asking for a payment of {$27000.00} before the will discuss a modification. I do not know what to do, I realize now I was taken advantage of, I welcome any help you can offer. thank you
11/12/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 23435	Web
I had a major financial crisis happen at the end of XXXX. This caused me to get behind on my mortgage. Ive made partial payments but I have not been able to make a full payment. My issue is that Vanderbilt Mortgage has 1 ) increased my payment amount to provide a cushion as they call it. And 2 ) they are not accepting my partial payment. My mortgage should be {$1900.00}. They are charging me over {$2000.00} ( I cant get the exact amount as they have also blocked my online account with them ). On today XX/XX/XXXX, I received a check from them in the amount of {$1000.00}. The checks where for partial payments in the amount of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. The letter attached with the check reads the amount represents less than half of the full amount due on the loan. What company returns payments?
02/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 280XX	Web
On XX/XX/XXXX my husband passed away. I lost his income as well, I didn't draw enough XXXX benefits to pay the mortgage payment & electric bills, water bill, all insurances. I told the mortgage company what was going on XX/XX/XXXX I had a appointment with Social Security to receive spousal benefits & I started receiving them XX/XX/XXXX. I tried to pay a payment XX/XX/XXXX the company didn't take it they told me my account was in the early process of legal services. I've had representatives come to my home & ask for my husband they were informed he was deceased thats putting so much stress on me. My daughter is XXXX years old & is in XXXX XXXX of XXXX XXXX XXXX. This is truly more than 1 person can take. I've lost my husband of 30 years & I'm loosing my daughter please help me keep my home.
08/31/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27406	Web
Yes my interest rate is 13.5 % yes I do not have great credit but during the covid they did not work with me at all zero that just kept threatening to take my house they wouldn't give me a forbearance they wouldn't do anything and during my divorce 17 years ago I did get the extended payments so they set up got all those so I couldn't get that there's nothing that they would do to help me during covet I have XXXX and I take XXXX and I'm still making my payments when my social security check I get behind and they harass me to know in the company is Vanderbilt mortgage they are awful the worst company and I've talked to other people that's actually not even behind like I am and they're like 15 days late and they start harassing them they would not help me at all nothing zero ok
05/28/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 403XX	Web	Older American
On XX/XX/2021 I had to sign over our deed back over to Vanderbilt Mortgage. After I and XXXX asked for a loan to improve the house for placing an foundation under our house mobile home to improve the value of the property from XXXX to the estimated price of XXXX the mortgage is making us pay. Now we are having to get evicted from the home we dearly love on XXXX. We're having to go to court for eviction on XXXX. We have nowhere to go and we just now received a letter from XXXX XXXX XXXX XXXX Representative of Vanderbilt Mortgage on XXXX which was mailed out to us on XXXXto try to help us find a place to move to if indeed and I are evicted today!? Please help us with this issue and matter okay? Thank you very much for your help and assistance in this matter of grave importance.
03/30/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 774XX	Web
The problem is that we payed your taxes and Vanderbilt Mortgage claimed that they payed and are trying to get money back from us that we don't owe them. We have proof that we payed and sent them copies of the proof and they still are trying to get money from us by increasing my monthly payment to them.They have increased my payment from {$570.00} to {$640.00} per month. And you know what they haven't showed me any proof that they have even paid anything as we have by giving them statements from County and City offices that affirm our compliance of our payments and have stated that they haven't received any other parties sending any money on our behalf. Plus the land is not in the contract /purchase agreement the we have. The land is mine bought and paid for by me.
12/03/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 310XX	Web
The home was originally included in CH XXXX due to going through a divorce & having to file. I followed through with the plan until the joint payments were made then requested a voluntary dismissal. I contacted Vanderbilt Mortgage prior to dismissing the CH XXXX and was told that the payments were behind from CH XXXX but a modification was done to put the payments on the back of the loan. I was able to make a few payments then got really ill from a procedure. I was out of work for 11 months but did & still doing everything I can to make payments. I am currently behind 4 payments with no resolution. I have received several rude phone calls demanding payment or deed in lieu. I am back working full time, able to make monthly payments, Life happens please help. Thanks
12/26/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	MO 63028	Web
Vanderbilt Mortgage & Financing sold my mortgage prior to completion of an ongoing insurance claim of which they were withholding pmt from the insurance. XXXX XXXX, who is the purchaser of the mortgage claims that they did not receive any of the interest generated while V.M.F. held funds V.M.F. is refusing to provide any record that the interest was in fact sent to the new mortgage co. Additionally it is unclear what documentation pertaining to the insurance claim was sent to XXXX XXXX. XXXX XXXX is unable to give me access to there digital file to confirm that they do infact have all if the documentation needed. This results in a significant amount of my time and expense recopying and mailing every piece of paper related to this claim to XXXX XXXX.
05/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 708XX	Web	Servicemember
Filed a dispute through XXXX for Vanderbilt Mortgage. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but XXXX seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an XXXX employee that it will stay even longer because I filed a dispute in XXXX.
11/18/2022	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 272XX	Web	Older American
I believe my income was to low for the mortgage payments and it was pushed through even with that being the case. currently my mortgage is {$890.00} per month while my monthly income is {$1000.00} from XXXX. My family did suffer a hardship due to XXXX as my grandson was working and able to assist me, he was out of work due to covid for several months. During that time other family members did help out when they could however everyone in my family has been suffering due to the cost of living being extremely high-we cant seem to catch up. As I was speaking with a lady I befriended she made mention that I should have never been approved for the mortgage with no more income than what I had and I should look into the reason I was approved.
11/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78613	Web
As of XX/XX/2019 and disputes handled through CFPB Vanderbilt Mortgage agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. As a result Vanderbilt has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time XXXX continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from Vanderbilt on several occasions. XXXX explains that upon disputing this information the update info based on what Vanderbilt gives them. However Vanderbilt states they have not updated any information since providing the letter to delete trade line
07/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	TX 759XX	Web	Servicemember
Privacy notice from Vanderbilt, XXXX, XXXX, properties, and XXXX using my personal information. The won't let me opt out after several attempts using their XXXX address not for them but some type of union? The phone number keep changing what I enter in as a number or hang up while inputting number. I attempted to opt out. Using my opt-out number. Several times. It said a different thing in what perceptually seemed to be trying to annoy me enough to quit. Phone XXXX does not allow a person to opt-out sharing your financial information in some fine print our government not protect us from, telling the world all our stuff without consent. You call using this opt out number yourself and see what I mean. XXXX
06/11/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 281XX	Web
I am unemployed due to Covid-19. I contacted my Vanderbuilt mortgage and notified them that I would need a 6 month extension as specified in the CARES act. I was informed that that Vanderbuilt mortgage and finance will decide what options are available and that they are only giving a 2 month extension on mortgage loans. 1 month later I received a phone call stating that I could apply over the phone for the loan mod. I never received any papers in the mail and I never signed any loan mod agreement but I did receive a bill that was XXXX more than my actual mortgage payment for the month of XXXX. How can a finance company violate the federal act that was recently passed by Congress? Please advise.
12/04/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NC 275XX	Web
In XXXX, we became behind on payments. Vanderbilt Mortgage scared my husband into signing paperwork that would give us a balloon payment of {$27.00}, XXXX. They threatened us with foreclosure even though we were only 2 months behind on payments. Now ( XXXX ) we are trying to sell our house and they [ Vanderbilt ] are telling us we have to pay the balloon payment before we can sell. However, in XXXX as well as a couple times in early XXXX, I called and asked specifically if we had to pay the balloon payment before selling the house. We were told no, that we did not have to pay the balloon payment before selling. They made the balloon payment our only option knowing we couldn't afford to pay it.
07/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 45150	Web
I had a loan with vanderbilt finance company. It was a mortgage for a mobile home. It was foreclosed and I settled with them XX/XX/2015. I was told that Vanderbilt would correct the information on the credit bureaus immediately. I was recently declined for a loan because Vanderbilt is still reporting an active judgment against me. Again, I settled with them XX/XX/XXXX. I was given the name of the one person who was able to help me with this matter and his extension. I have called and left him 6 messages over the course of two weeks. He has not called me back. I let him know in my message today that I would be contacting the CFPB for help if he did not respond to me by EOD today.
12/06/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	SC 290XX	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
04/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 305XX	Web
I Have tried to work with vanderbilt mortgage but this company is nothing but a bunch if loan sharks, the house is my father 's who is recently deceased. I contacted them to talk about the amount owed and they were absolutely rude and went straight to the money, and said the house would be in default if I didn't cough up over 2000! They are only in the buisness to XXXX people and they need to be stopped, and the worst part Is that even when you make your payments you never know what the nex months payment is. My dad 's payments jumped from {$530.00} one month to over {$1200.00} the next! If you are planning on purchasing a home avoid vanderbilt mortgage!
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 291XX	Web	Servicemember
I have contacted both XXXX and vanderbilt mortgage and finance but it seems that vanderbilt mortgage and finance has reported it correctly as it's reported correctly on XXXX and XXXX but getting the information on everything they're reporting hasn't been sent to me yet after a few conversations over the last week. But XXXX has been told this at least 4 or 5 times over the phone and XXXX XXXX a certified letter to no avail. The loan I had should have been reported as a installment loan by law because of the type of loan. This process has been going on since around the beginning of XX/XX/2023 and it's XX/XX/2023. So almost 3 months.
11/12/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 78621	Web
I requested Forbearance on XX/XX/XXXX per phone and also sent an email with the appropriate FHA information regarding Forbearance. Other than an automated email asking for 4-7 days to review, I received no response until XXXX XXXX to let me know that Forbearance was not an option for me. On XXXX. XXXX, I emailed FHA information pertaining to my particular loan type to Vanderbilt. Received a response back on XXXX XXXX to let me know that there were no options available to me. I have called the FHA reaource center three times and these options are available to me by the CARES act, but not being granted by the mortgage company.
11/12/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 302XX	Web	Servicemember
XX/XX/XXXX my husband XXXX XXXX bought Our family a new home address XXXX XXXX XXXX XXXX GA. He met all of the requirements for the mortgage, however after his death in XX/XX/XXXX I found out that our home was not inspected and did not have a certificate of occupancy. This information was not disclosed to us from our realtors, sellers realtors, XXXX XXXX who sold us the house nor our mortgage company Silverton Mortgage who financed this property for us. Silverton Mortgage ordered an inspection however after my inspection with an engineer in XXXX, our home was not built up to code to obtain a certificate of occupancy.
08/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 377XX	Web	Older American
I have had issues with Vanderbilt mortgage for several years but the first of 2016 I attempted to get a Reverse mortgage and I was told by a loan officer that as long as I was in a RM I let XXXX go by so that put me in arrears. I was given a loan rep and she said that if I made my payments on time then she would see to getting me a extension, she did not. I have been making my payments ontime and they have accepted them. I sold the house and property and we were due to close on XXXX XXXX. The loan officer for the buyer l called Vanderbilt today she was even given my personal financial information and I lost the sale.
05/27/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 412XX	Web
My payment is {$1000.00} per month and I have a monthly income of only {$800.00} and they will not work with me to refinance or lower my payments. Ive inquired with them for 6 months or more. They offered to pay me {$1000.00} for my home and property instead of trying to help solve the problem. They say I'm approximately {$4000.00} behind and will not give me time to pay it, nor will they offer to even work out a better payment plan. I'm XXXX and on XXXX and I'm a single lady. I've tried and applied for any and every assistance program and grants via the government and our local Community Action Program.
09/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28655	Web
I paid my mortgage in full on XX/XX/XXXX, I disputed to the credit bureaus that the delinquency, and past due balance should be updated to paid and no past due balance because this account was paid in full and I have my title. Vanderbilt Mortgage responded back to XXXX on XX/XX/XXXX that the account was not paid, and there was a past due balance which is incorrect, if this were true how did I receive my title to my mobile home? Vanderbilt reporting incorrect information has caused me to be turned down for credit such as a new home loan. They are reporting that I am 120 plus days past due
09/29/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 61611	Web	Older American
XXXX Bank crisis XXXX approval letter received. I called stated sitting on desk approved XXXX laid off. Preditoriay lending bought out at least 3 times. Fire damage from unit next door XXXX fire. XXXX court a person followed me up ramp to secured entrance. Told person to leave me alone numerous times. I tried to explain to Judge and lawyer. I am sure they heard commotion as well as others. A lot of harrassment, agression during covid-19, fire claim, late payments and river stage. The loan balance is thousands more than I paid. After almost 15 years. Taken advantage by pushy people.
05/12/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MD XXXXX	Web	Servicemember
On XX/XX/2021 I submitted a credit application with XXXX XXXX in XXXX, SC. A few days later I received a text from Vanderbilt Mortgage asking me to call them at XXXX XXXX XXXX. When I called I was told that they had sent me an email with the terms of the offer. I told her that I never received the text. She then told me the terms of the offer, 6.7 % for 23 years along with other specific. Later, I send them a text requesting a written copy of the offer. As of today, I have not heard from Vanderbilt Mortgage not have I received a copy of the application I submitted with XXXX XXXX.
08/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78613	Web
As of XX/XX/2019 in response to a complaint filed with CFPB. Vanderbilt Mortgage. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. At that time a request was made for the reporting agencies to verify and update the information. Upon doing so XXXX and XXXX have both reported information verified from Vanderbilt again that is not accurate nor matches the information provided in the response to the previous complaint to Vanderbilt.
08/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 873XX	Web
I have a loan for a mobile home with Vanderbilt Mortgage. In XXXX 2014, about {$5000.00} were added on my billing statement as " service fees. '' I have no idea why this was added or what it was for. Despite me paying my regular monthly payment each month, this {$5000.00} shows up as a past due amount. I have never been given an explanation for the {$5000.00}, despite my attempts to communicate with Vanderbilt. I have attached my billing statements, a letter I wrote to Vanderbilt and a letter that New Mexico XXXX wrote. Vanderbilt has not responded to any letter.
12/03/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 27591	Web
My mortgage company are being deceptive. I grouo emailed my insurance company and mortgage company my pictures and invoice of my roof being replaced. Almost {$2000.00} out of my pocket. Water has been getting into my roof. The insurance company verifed recieving the documents. Vanderbuilt said they have not recieved it. I have proof that they received it. They are very mean to me. The manager XXXX and a few others are unfair when it comes to handling my claim. Paying out of pocket has put me in a financial hardship. Vanderbuilt mortgage out of Tennessee.
11/30/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 210XX	Web
After a divorce in XX/XX/2015, I was unable to make my mortgage payments. I am not able to sell the house due to the fact that I am upside down in the property. I contacted the bank and requested a short sale. I also had an appraisal done and hired a realtor. We had a contract for the appraised value and submitted that to the bank with my short sale application. The Bank denied me the short sale citing my credit score was too high and my gross income was too high. Now they are denying me because of a Title issue. I do not believe there is a Title isssue.
10/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 275XX	Web
I have been asking for a modification form since the month of XXXX and I did not receive anything they told me they were going to mail it to me and nothing I called them 3 weeks ago and then 2 weeks ago asking for the same form and they said the same thing and this week I receive a letter that I have to pay my loan of full that is about {$36000.00} and I dont have that money I lost my job in XXXX and I also got behind with my payments because I got injured at work. Please help me I dont want to lose my house. The mortgage company is Vanderbilt mortgage
09/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 284XX	Web
I have tried to order a copy of my Promissory Note several times ( XX/XX/XXXX and XX/XX/XXXX ) via fax on behalf of my clients. Prior to the faxed requests, I asked them to verbally in XX/XX/XXXX to provide a copy. I am working with XXXX XXXX XXXX in XXXX, NC to get assistance with the Hardest Hit Program Fund. They have not responded to the requests and it has been over 30 days since my initial request. I would like for them to cancel the Forced Place Coverage Homeowners Insurance and replace it with my policy that they with XXXX XXXX XXXX XXXX.
02/01/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 148XX	Web
Vanderbilt Mortgage Finance is collecting too much for escrow which in turn makes my required payment much higher than it should be. Given the amount of tax and insurance, the amount with two months cushion should be {$520.00} and they are charging me {$570.00}. They are also charging me a duplicate tax bill fee which I contacted our tax collector and they stated that this fee should not be passed on to the homeowner as they send the original bill to the lender. I am attaching my escrow information along with the email the tax collector sent to me.
03/10/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 361XX	Web
We paid off our mortgage. A refund check around {$1500.00} was mailed on XX/XX/XXXX. We were not contacted until letter dated XX/XX/XXXX that it had not been cashed. After calling them on XX/XX/XXXX, they assured us that a stop payment would be issued and a new check mailed. After not yet receiving the check today, XX/XX/XXXX, we called to check on the status and were told they would check on it and get a call back by next Tuesday, XX/XX/XXXX. Unacceptable that a company would retain someone else 's money for an indefinite amount of time.
03/13/2017	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TN 377XX	Web	Older American
I have sold my home and we are waiting on closing. I also mailed a copy of the sales contract to Vanderbilt Mortgage. The closing company has requested the title and deed from Vanderbilt but someone from Vanderbilt contacted me on XX/XX/2017 wanting XXXX. Closing was set for XX/XX/2017 but the appraiser found that XXXX mobile homes did not put anchors on my home over 13 years ago. That has been taken care of and inspected and approved and the appraiser has to do a walk through and we can close. Vanderbilt wo n't stop the harassment.
04/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN XXXXX	Web
On XX/XX/18 we purchased a home from XXXX 's in XXXX TN, which was financed through Vanderbilt. The house was delivered but not completed by the Seller / contractors. The mortgage company funded the loan anyway, with the statement " the house is on our Property ''. With no check and balances put in place the released the funds. Still to this day we have work to be done, damages. We are paying the lone since XX/XX/18 faithful with no resolution. I will attached documents in referance to the issues we having.
04/06/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC XXXXX	Web
In XX/XX/XXXX XXXX of my kids tested positive for XXXX and they were out of school for a month so i had to take time out from work to care for them. My mortgage company did not care. I still had to pay on time no exceptions. I now have tested positive for XXXX XX/XX/XXXX and i even lost my job because of the sickness and lingering issues and symptoms. Not only am I required to still pay my mortgage but my mortgage has also gone up due to escrow! Its extremely difficult and i have no idea what to do
05/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 628XX	Web
I have a loan with Vanderbilt and have used your government HUD company and housing counselor. They were not able to budge Vanderbilt mortgage on anything. Vanderbilt says they are an independent mortgage company and can do as they please and not have to abide by the new government laws. My interest rate is 10.78 % I am drowning so I am being forced in XXXX bk. And Vanderbilt is still fighting that by not agreeing to payment plans and just making me miserable and literally sick over this situation.
04/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 378XX	Web
vanderbuilt mortgage XXXX tn I draw XXXX and have had a lot of things go wrong and health iiesuse got behind on mortgage I filed for a modafcation on my loan got a letter saying they were working on it then got foreclosure papers and then a court summons there the rudest people I ever had to deal with there just mean ... ..and they say I owe more then I do thehvetold me they would huemilate me by the add in the news paper every one will know ... ... .the co borrow is out of work due to a injury
08/26/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CO 80022	Web
I was in a manufactured home when it was purchased by new clients. Vanderbilt mortgage worked their loan out with them and approved them so they moved in ( from another state ). They subsequently denied their loan and could n't get the people to move out without legal action. Some reason the foreclosure of XXXX is showing on my credit report when it did not have anything to do with me as I was only the previous owner. They have refused to remove the item from XXXX and XXXX in a timely manner.
10/22/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NV 89115	Web
I changed my home owner insurance on XXXX because the insurance was way to expensive.I called the company which is vanderbilt mortgage.I told them i switch and want them to stop taking escrow out since i pay my own taxes and now my own insurance and they told me to cancel it and put in escrow.they took money in XXXX. and XXXX.I am on a fixed income and need the extra money which now stands at $ XXXX.they should not take the money when there is nothing to use it for.
04/29/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TN 377XX	Web	Older American
I had already sold my home and Vanderbilt Mortgage had been contacted by the closing company for the payoff. It is a cash sale. On the XXXX of XXXX XXXX a young woman named XXXX called me on the phone stating I would have to pay XXXX on my loan or they would start foreclosure next week and I would be responsible for legal fees I got a foreclosure letter today on the XXXX and discovered I had until the XXXX of XXXX XXXX to bring it up to date.
04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 382XX	Web
They are stating that XXXX payment was not paid until XXXX two payments have been made in XXXX so far. We never received a text email letter or phone call about any late payments. We have had this loan for over two years and have never been late much less missed a payment on any loans we have. I want this late payment removed from my credit because it is having a negative impact on my score obviously. If I pay the whole loan off would that help them to remove it.
05/29/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	KS 66801	Web	Older American
I sold my home and the mortgage company held the paperwork for the title release for 3 months. After numerous phone calls from not only myself but my real-estate agency along with emails and documentation sent. It still took 3 months and I was still making payments they did charge me interest on all of the payments and the payoff. My relator suggested I make a complaint for all the delays and expenses occurred to me. Is their anything I can do??? Thank You
05/05/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 386XX	Web
My husband got sick last year and ended up in the hospital all of our income went to pay for his care, he is on XXXX, he was making the house notes out of his XXXX, the bank did a return of the note and had to access to make a payment on line, nor view our account. do to the medical bills and working from home to take care of him full time my pay decreased for a little while. we are desperate to keep our home as we have no place to go if we lose our home.
06/21/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	SC 29501	Web
Moved shortly after purchasing new single wide and sold house back to company. Company even sent a check for the difference. Now on my credit report as a voluntary repossession which is not correct. No amount should be owed especially if company sent check after moving the trailer. Vanderbilt mortgage gave us no issue during transaction yet when checked credit report it 's now down as a collection which is terribly impacting my credit report inaccurately.
12/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 40165	Web	Servicemember
I am behind on my mortgage and I reach out to get help from my morgage company my husband not able to work he hurt and told them this they do not want to help or offer me a loan modification I ask for a forebearance to help me get cought up till my husban can return to work they said I can pay all the bills ( electric, water, my lot payment of {$330.00} and Mortgage at {$810.00} on just my pay and by food and gas. I really need some help.
06/29/2023	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 75165	Web
On XX/XX/2019 I entered into an agreement with Vanderbilt Mortgage and Finance , Inc. at XXXX XXXX in XXXX Texas with XXXX from XXXX XXXX XXXX. She nor VMF clearly and conspicously, explained my right to rescission. I have recently discovered other misrepresentations in the agreement which render it void. VMF customer service continues to ignore my requests for information, even so much as refusing to sign for a XXXX letter I sent.
11/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37862	Web
XXXX has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX XXXX and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21216	Web
XXXX has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
12/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77053	Web	Older American
The first of this year, Vanderbilt raised my payments due to a claim, a tree fell on my home. I am a senior on a fixed income, and they know this. So I could not afford to make the payments. So now that I am behind on the payments, they want to lower the payments where I can make them, but they want the money I am behind, again I can not afford this. Why didn't they do this to start with, good show, I guess they want my home.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 295XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
02/06/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 704XX	Web
The lender was provided our XXXX party authorization and a QWR on XX/XX/XXXX - The lender has failed to provide us with the requested information needed to properly assist the client - They have also been provided the XXXX party XXXX XXXX additional time, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - the lender is failing to approve and provide any information on the clients file - and is in violation of the clients right to counsel
05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 239XX	Web
I called Vanderbilt Mortgage to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was XXXX that they didnt report that amount. When my dispute was completed with XXXX it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.
09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 238XX	Web
Im XXXX XXXX, Vanderbilt mortgage company in XXXX TN, XXXX is reporting a mortgage to my XXXX credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted Vanderbilt dozens of times but still no action has been taken!
12/10/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX XXXXX	Web
My mortgage was sold to Vanderilt Martgage and Finance. The new service company has raised the escrow requirements twice in less than 30 days. I called them to discuss it and their answer is " there is nothing we can do about it ''. I asked to have an analysis completed and allow me to talk to the analysis manager. I could not get past customer service. They are increasing the escrow for an extra month.
01/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 49424	Web
I have asked Vanderbilt Mortgage to remove the PMI from my mortgage. It is my understanding of the law that if I can show that my house worth Which was appraised at the time I refinanced it and It appraised at XXXX. I now owe XXXX I have met the requirement to remove the PMI I went on line and asked them to remove it they have n't responded to my request. again tonight I have asked them to remove it
04/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 397XX	Web
I been in this mobile home for over 17years that cost {$20000.00} in 2000.i have paid {$80000.00} to date. Vanderbilt mortgage says I still owe a 111 payments of XXXX. I am on a fixed imcome dew to my health and I am struggling to make payments. I feel that I have paid more than enough for this mobile home. I feel i have been taken advantage of. I wasn't aware of the interest i would be paying.
03/17/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	AL 363XX	Web
I came down with Covid back In middle of XXXX and had to be out of work for 2 months due to the complications I was experiencing after the sickness. The doctor I was seeing finally released me to return to and on XX/XX/2022 my job terminated my employment while I was on leave which I didnt understand. Im currently unemployed and searching for a job so far havent received any calls yet.
07/10/2018	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	TX 76543	Web	Servicemember
Have spoken to all 3 CB to have these inquiries removed *Vanderbilt MTG Finance XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to Vanderbilt on XX/XX/XXXX and Vanderbilt has sent nothing back to validate the inquiry. These inquiries were done without my permission.
10/01/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 33317	Web
My mortgage for my home is with Vanderbilt Mortgage and Finance, INC. XXXX # XXXX. As of XXXX 2015 the law was passed on FHA Loans PMI rate has dropped. Vanderbilt claims they are not aware of the law that was passed and has not ajusted my PMI rate according to the Law. Please Help me to make them aware and adjust my Loan amount and others. XXXX XXXX XXXX XXXX
02/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29651	Web
The lender states that the loan has a sale date for XXXX/XXXX/17 and the refuse to review the file - we were informed by the opposing counsel that the sale date is actually set for XXXX/XXXX/17 - at this point we fell the lender is unwilling to assist this client in obtaining a loan modification and is violation of RESPA guidelines.
11/06/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 291XX	Web	Older American
My mother passed away two years ago my father is struggling to pay the mortgage she XXXX years old hes been paying on our mobile home for 30 years they tried to tell him that he didnt know but if you more years but now they keep sending him a bill saying he owes XXXX and XXXX every month and our mortgage is only {$450.00} a month
03/16/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 19087	Web
My mortgage was bought by XXXX. The new company Vanderbilt reported me as 30 days late on a payment. I asked Vanderbilt home mortgage to send me my payment history which they did and it shows I was never late and never missed a payment. They will not remove this derogatory finding from all XXXX credit bureaus.
01/19/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	NC 275XX	Web
On XX/XX/XXXXcalled into Vanderbilt to see why they refused to report my account is current and was current in XX/XX/XXXX and still the company has yet to report XX/XX/XXXX its making my credit score go down its unfair and they seem to not care and are very rude I also can provide recordings of the phone Call
06/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78613	Web
On more than one occasion the credit furnisher has re-aged the date of first delequincy so that the file continues to remain on my credit history as a negative account. Date of first delequincy. Is XXXX of XXXX The furnisher has moved it forward to XX/XX/XXXX and recently moved it forward to XXXX of XXXX
04/11/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 780XX	Web
My house is in legal status and my mortgage company wants to reinstate my loan for {$5000.00} and then continue monthly payments and I dont have a way to get {$5000.00} and i was wanting to start making my monthly payments and have vanderbilt consider a balloon payment to help save my home
02/03/2017	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	KY 407XX	Web
I purchased a mobile home and was charged a very high interest rate they said if I made all the payments on time in 6 months I could refinance at a much lower rate They lied I made all my payments on time my credit score went up over XXXX points but they wont even talk to me a year later
12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 754XX	Web
I got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!
01/11/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	MN 563XX	Web
Have started to notice XXXX XXXX delays applying payment when paying by mail, at least 5 days, can be up to 10, now trying to pay online, and their online payment system is down, so they can collect more interest. this may be coincidental but, the optics look bad.
04/09/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TX 77301	Web
I accessed my credit report and found a mortgage loan that I have been included as a Co-buyer. Loan was obtained by a family member who used my identity without my consent. Account is reported as a repossession on my credit report. Account is not my responsiblity
12/02/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	LA 707XX	Web
On XX/XX/2022 I Had My Baby And I wasnt Able to Have No Income Coming on XXXX XXXX My Brother Hours Was Cut To Part Time, We Have Been Struggling Since XXXX When Our Trailer Note When Up To XXXX Dollar, The Agent Over Our Loan Is Not Trying To Help Us Out At All
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19973	Web
I had a foreclosure with Vanderbilt mortage in XXXX I sent the correct information to them from Vanderbilt with they stated that they report for XXXX and after several disputes they keep reporting the foreclosure for XXXX and thats not correct
11/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 198XX	Web
I have purchased XXXX through XXXX mortgage company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 860XX	Web
I utilize a credit monitoring service. On XXXX I discovered my XXXX rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.
10/24/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 275XX	Web
Vajderbilt mortgage refuses to return my escrow funds of {$880.00} after home was paid off. They claim there is no escrow but i have a screen shot of my mortgage account showing all payments, escrow, taxes, my loan number and do on.
12/11/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 40741	Web
Received a letter today, XX/XX/XXXX that was dated XX/XX/XXXX that said they want to work with me to avoid foreclosure. Also received on XX/XX/XXXX that was dated XX/XX/XXXX stating they wanted a payment for the full amount I owe.
12/09/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 283XX	Web	Servicemember
paid XXXX dollars down payment for a home through XXXXXXXX XXXX XXXX XXXX and vanderbilt mortgage. found out i could not get the home. asked for a refund and they keep giving me the run around saying it is corporate 's fault.
01/19/2021	Yes	Mortgage FHA mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76020	Web
I had applied for an fha mortgage was aproved and sent loan terms just for them to take it back from me because my credit score dropped below there threshold because of there inquires my score dropped from a XXXX to a XXXX
07/02/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	TN 373XX	Web
calls me most everyday and has called XXXX a day and has called me a XXXX. When I asked them not to call they told me that if I did that my full mortgage amount would be due.
09/01/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 284XX	Web	Servicemember
My husband left me my job I had a lost do to me Catching XXXX and I got behind On my house payment due to a job loss and the loss of my soon to be ex-husbands income
06/30/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	GA 30008	Web	Older American
Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.
08/30/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	LA 70301	Web
I tried to get a modification and was denied.I need help. I lost my job in XXXX and couldn't afford my mortgage, because I only receive XXXX monthly
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60651	Web
The addresses listed in my credit report isnt accurate and theres a lot of hard inquiries on my report that I dont recognize
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	VA 224XX	Web
Fraud or scam I'm not the one with these debts want to remove any negative items on my credit
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 433XX	Web
Pulled credit placed credit inquiries on credit reports I didnt apply for credit
08/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 280XX	Web
I lost my job during covid 19 and now I'm behind on my mortgage
06/08/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 239XX	Web
The XXXX cut off my benefits i have a court order
02/23/2018	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	AR 72401	Web
Credit inquiries from unknown sources
01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62226	Web

01/25/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	AL 36832	Web	Servicemember

01/04/2024	Yes	Mortgage Manufactured home loan	Improper use of your report Reporting company used your report improperly	TX 76123	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35160	Web

12/20/2023	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	GA 30052	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29690	Web

12/04/2023	Yes	Mortgage Manufactured home loan	Closing on a mortgage Changes in loan terms during or after closing	VA 23218	Web	Servicemember

12/02/2023	Yes	Mortgage Manufactured home loan	Trouble during payment process Payment process	SC 29690	Web

11/03/2023	Yes	Mortgage FHA mortgage	Closing on a mortgage Changes in loan terms during or after closing	MO 64082	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31903	Web

09/28/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage Loan estimate or other related disclosures	TX 78244	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27341	Web

08/09/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28306	Web

07/26/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27803	Web

05/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30512	Phone

05/10/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 41539	Phone

05/08/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 37683	Phone

04/06/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	AL 35242	Web

02/23/2023	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	NC 28306	Web

02/17/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 46259	Web

02/02/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 46259	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31620	Web

11/04/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 35747	Referral

11/03/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	KY 41539	Phone

10/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23140	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32967	Web

09/29/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30032	Web

09/15/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28040	Referral

09/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29436	Phone	Older American

08/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35746	Phone	Older American, Servicemember

08/06/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19136	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37040	Web	Servicemember

07/18/2022	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	TN 38133	Phone

06/08/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	MS 39192	Web

05/12/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77396	Web

05/05/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	MO 63362	Web	Servicemember

04/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 160XX	Web

02/28/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 95776	Referral

02/11/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30739	Phone	Servicemember

01/31/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC XXXXX	Web

12/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 35175	Referral

12/15/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	AZ 85244	Phone	Older American

12/08/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	AL 36522	Web

08/11/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	LA 70737	Web

08/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30286	Phone

06/07/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	MS 39051	Phone

06/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29406	Web

05/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37821	Web

04/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72076	Web

04/09/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29112	Web

04/01/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89502	Web

03/31/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30286	Phone

03/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74857	Web	Servicemember

03/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70748	Phone

02/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

01/06/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27360	Web

12/04/2020	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	NM 87401	Phone

11/19/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 78621	Referral

11/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27320	Postal mail	Older American

11/03/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 27834	Phone	Older American

10/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23936	Web

10/06/2020	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	TX 754XX	Web	Older American

08/04/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 36870	Web

07/15/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77358	Web

06/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29203	Referral

06/17/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29203	Web

06/10/2020	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	FL 33880	Web

05/27/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85653	Phone

05/20/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 77320	Web

05/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29059	Referral

03/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 387XX	Web	Older American, Servicemember

03/12/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27525	Phone

03/04/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 27330	Phone

02/04/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23022	Referral

02/03/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 42140	Phone

01/27/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 23022	Web

01/08/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27525	Phone

12/17/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 39335	Phone

12/16/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 239XX	Web

12/15/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 239XX	Web

11/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 42140	Phone

10/01/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MS 39360	Phone

09/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 39819	Postal mail	Older American

09/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95020	Phone	Older American

08/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 02338	Web	Servicemember

07/31/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 39180	Web

07/26/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27870	Web

06/20/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	WI 54529	Web

06/19/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	KY 40977	Postal mail

06/04/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	SC 29732	Phone

05/03/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TN 38571	Web

04/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Older American

04/22/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage		Phone

03/24/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 294XX	Web

03/14/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 731XX	Web

02/27/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27525	Web

01/09/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 76432	Phone	Servicemember

01/04/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	LA 70815	Phone

12/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

10/29/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28458	Web

08/07/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA 93003	Referral	Servicemember

07/17/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	WA 98642	Referral

07/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75901	Web

07/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27596	Web

05/23/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NC 28761	Web

05/17/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	NC 28713	Phone

04/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AR 71730	Web

04/17/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 37354	Referral

04/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 36010	Web

01/23/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	KY 42171	Referral

01/07/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 31407	Web

01/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 37601	Web

12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32038	Web	Older American

11/04/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 31407	Web

11/03/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28124	Phone

10/25/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 754XX	Web

10/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

09/29/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	OR 97306	Referral

09/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29720	Referral

09/11/2017	Yes	Mortgage VA mortgage	Trouble during payment process	MD 21104	Web	Servicemember

08/30/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process		Postal mail

08/30/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	HI 96825	Postal mail

08/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10016	Web

08/14/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MD 21813	Referral

07/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10016	Web

07/21/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	SC 29203	Referral

07/13/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	UT 84624	Phone

07/07/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 75057	Web

06/27/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 28392	Referral

06/07/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC 29907	Postal mail

05/26/2017	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	AL 35160	Web

05/21/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28626	Web

04/29/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	SC 29429	Web

04/25/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31008	Web	Older American

03/17/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 24368	Web

03/14/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	SC 29689	Referral

02/10/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TN 37918	Phone

01/31/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77057	Web

01/12/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 100XX	Web

12/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ME 04073	Web

12/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28546	Phone	Older American, Servicemember

11/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94019	Referral

11/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 178XX	Web

11/07/2016	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	NC 27358	Phone	Servicemember

11/01/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	TX 79714	Web

10/14/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 11552	Web

10/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20852	Web

10/12/2016	Yes	Mortgage Other mortgage	Settlement process and costs	SD 57747	Web	Older American, Servicemember

10/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28073	Web

09/21/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 33547	Web

09/20/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	AL 36081	Web

09/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27370	Web

09/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 78540	Referral

09/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27896	Web

08/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29316	Web

08/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73487	Web

08/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 27834	Phone

08/03/2016	Yes	Mortgage Other mortgage	Other	FL 34492	Referral

08/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29445	Postal mail

07/28/2016	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	NC 28463	Phone	Older American

07/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77375	Web

06/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78003	Phone	Older American

06/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29302	Web

06/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30540	Web

05/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63080	Phone	Older American, Servicemember

05/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23115	Phone

05/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32433	Web

05/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33173	Web

04/26/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98908	Referral

04/20/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CO 80123	Phone

04/19/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	MS 38740	Web

04/14/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29044	Referral

04/07/2016	Yes	Debt collection Mortgage	Communication tactics Called outside of 8am-9pm	MS 38740	Referral

04/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TN 37367	Postal mail

03/18/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	RI 029XX	Web

03/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77853	Web	Older American

03/10/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	AZ 85705	Web

02/20/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	NY 10930	Web

02/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29435	Web

01/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28434	Phone

01/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 78065	Referral

01/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70344	Web

01/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AR 72368	Web

12/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 24228	Web

11/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28785	Web	Older American

11/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OK 73601	Web

11/05/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MS 39759	Web

11/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75169	Web

10/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 780XX	Web

10/08/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77901	Referral

09/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OK 74027	Web

08/18/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 34606	Web

08/18/2015	Yes	Mortgage Other mortgage	Other	FL 32805	Postal mail

08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 42501	Web

08/12/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 38562	Referral

08/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28356	Referral

07/20/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33607	Postal mail

07/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AR 71913	Postal mail

06/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27605	Web

06/24/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IL 60628	Postal mail

06/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97470	Web	Older American

06/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27574	Web

06/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32327	Web

06/11/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29936	Referral

06/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70360	Web

06/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 36877	Referral

05/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OK 74027	Web

05/18/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 36271	Referral

05/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92879	Referral

05/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	KY 40051	Phone

05/07/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	VA 22407	Web	Servicemember

05/05/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 41568	Web

04/21/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AR 71640	Referral

04/16/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	MA 01930	Referral

04/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33173	Web

04/02/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IN 46818	Postal mail

03/31/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TN 37849	Referral

03/19/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32442	Referral

03/17/2015	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	NY 10930	Referral

02/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	KY 40203	Web

02/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27278	Web

02/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29379	Web

02/04/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	AL 35098	Web

02/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 24219	Referral

01/25/2015	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted employer after asked not to	FL 63301	Web

01/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27357	Web

01/12/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 96080	Web

12/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27263	Fax

12/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89701	Fax

12/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MS 39366	Referral

12/05/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29379	Web

12/03/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TX 75167	Web

11/26/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27834	Referral

11/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75964	Web

11/10/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NC 27025	Phone

10/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48823	Web	Older American

10/27/2014	Yes	Mortgage Other mortgage	Settlement process and costs	TX 79762	Web

10/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28360	Web

10/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32340	Web

10/16/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90230	Phone	Older American

10/03/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VA 24483	Referral

10/03/2014	Yes	Credit reporting	Incorrect information on credit report Account status	VA 24112	Referral

08/27/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85712	Referral

08/27/2014	Yes	Mortgage Other mortgage	Settlement process and costs	FL 32340	Referral

08/26/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NC 28273	Web	Older American

08/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22204	Web

08/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 37849	Web

08/07/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	SC 29728	Referral

07/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22204	Web

07/25/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 19063	Referral

06/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 71454	Web

06/11/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 23025	Referral

05/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77365	Web

05/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70570	Web

05/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 99208	Web

05/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MS 38833	Web

05/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70583	Web

04/23/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32533	Referral

04/16/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33146	Referral

04/11/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37616	Referral

04/10/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	LA 70373	Web

03/31/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 42539	Phone

03/28/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 77474	Web

03/27/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90046	Web

03/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NV 89031	Web

03/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 35672	Web

03/13/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	NC 28504	Web

03/04/2014	Yes	Mortgage Other mortgage	Settlement process and costs	SC 29605	Web	Older American

02/25/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70130	Web

02/22/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 32506	Web	Older American, Servicemember

02/20/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29644	Referral

02/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 81082	Web

02/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77535	Phone

02/12/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29323	Web

02/10/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 31024	Fax

02/06/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 35128	Phone

02/05/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	TN 38068	Web

01/30/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78247	Web

01/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37890	Web

01/16/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75002	Web

01/16/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28602	Web

12/26/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 62615	Postal mail

12/18/2013	Yes	Mortgage Other mortgage	Other	OK 74108	Referral

11/23/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32465	Web

11/13/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28315	Phone

11/07/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 37643	Web

11/01/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OK 74965	Referral

10/24/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MS 39073	Referral

10/17/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	AR 72041	Web

10/03/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	DE 19803	Referral

10/02/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MI 49329	Web

09/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90005	Web

09/20/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11433	Postal mail

09/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 27875	Web

09/17/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OR 97206	Web

08/31/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 24382	Web

08/29/2013	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	TN 37681	Web

08/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29745	Web

08/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40977	Web

08/02/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 75460	Referral

07/25/2013	Yes	Mortgage Other mortgage	Settlement process and costs	SD 57747	Web	Servicemember

07/15/2013	Yes	Debt collection Mortgage	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30157	Web

06/27/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WV 26739	Phone

06/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90005	Referral

06/01/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85029	Referral

05/29/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 24426	Phone

05/22/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 40346	Referral

05/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 24228	Phone

05/13/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48043	Postal mail

05/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28803	Referral

04/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 71852	Phone

04/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 44857	Web

03/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32459	Web

03/15/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70360	Web

03/04/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 23850	Referral

02/15/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77662	Web

02/13/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33176	Referral

02/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 31032	Referral

02/07/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MI 63628	Phone

01/26/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AR 85193	Web	Older American

01/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30331	Web

01/11/2013	Yes	Mortgage Other mortgage	Credit decision / Underwriting	WA 98948	Referral

01/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75771	Referral	Servicemember

12/25/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91803	Referral

12/21/2012	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NC 27401	Web	Older American

12/17/2012	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	GA 31794	Web

12/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 75645	Referral

11/26/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 16823	Phone

11/21/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 31419	Referral

11/13/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37367	Phone

11/10/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91351	Referral

11/08/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	KY 41230	Web

11/01/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55117	Postal mail

10/25/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37769	Web

10/25/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90033	Referral

10/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 43011	Web

10/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90250	Referral

10/11/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30461	Phone	Servicemember

10/05/2012	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 75602	Web

09/18/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	MD 21207	Referral

08/25/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95966	Web

08/21/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29439	Referral

08/21/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70068	Phone

08/21/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 35672	Web

08/08/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NM 87556	Referral

08/05/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WI 53546	Web

08/01/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11230	Referral

07/31/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MO 65775	Web

07/20/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27534	Phone

07/18/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32459	Web

07/12/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78654	Web

07/02/2012	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28431	Web

06/22/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WY 82244	Web

06/21/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37888	Web

06/16/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77484	Web

06/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 24092	Postal mail

06/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48134	Postal mail

06/06/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92064	Phone

06/06/2012	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	DE 19943	Phone	Older American

05/30/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	DE 19943	Phone

05/28/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32043	Web

05/26/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75407	Web

05/18/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34667	Phone	Older American

05/17/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94526	Referral

04/24/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	KY 40351	Referral

04/23/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 41631	Web

04/23/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77386	Web

03/16/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27405	Web

03/16/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 63640	Web

03/06/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	AR 72650	Phone

02/14/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CO 81328	Web

01/24/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77478	Phone

01/06/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91335	Web