| 10/04/2023 |
Yes |
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- 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
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Web |
Servicemember |
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1. HIGH AFFORDABILITY PERCENTAGE : AT CLOSING, MY SALARY WAS LESS THAN {$50000.00}, YET THE LOAN 'S AFFORDABILITY PERCENTAGE IS AT A STAGGERING XXXX XXXX. THIS RAISES SERIOUS CONCERNS ABOUT THE LOAN 'S AFFORDABILITY.
2. FRAUD AND LACK OF CLOSURE : THERE WAS NO FULL CLOSURE PROVIDED AT CLOSING. I FELT URGED TO SIMPLY SIGN AGREEMENTS WITHOUT ADEQUATE EXPLANATION.
3. BUDGET MISALIGNMENT : I WAS MADE TO CREATE A BUDGET THAT DIDN'T ALIGN WITH THE ACTUAL COST OF THE HOME AND MONTHLY PAYMENTS, LEADING TO FINANCIAL STRAIN.
4. COERCIVE INSURANCE POLICIES : I WAS FORCED INTO INSURANCE POLICIES THAT DID NOT SERVE MY BEST INTERESTS.
5. UNDISCLOSED TRUST ARRANGEMENT : A TRUST WAS CREATED WITHOUT FULL DISCLOSURE, WITH XXXX XXXX XXXX AND XXXX XXXX AS TRUSTEES OF THE LOAN. THIS WAS NOT EXPLAINED PROPERLY.
6. NOTICE OF ACCELERATION CLAUSE : I WAS NOT MADE AWARE OF THE NOTICE OF ACCELERATION CLAUSE, WHICH IS A CRITICAL PART OF THE LOAN AGREEMENT.
7. FALSE INFORMATION ON DOCUMENTS : THE WORKSHEET FOR DOCUMENTING ELIGIBLE HOUSEHOLD AND REPAYMENT INCOME CONTAINS FALSE INFORMATION FILLED OUT BY ANOTHER PARTY, CONTRIBUTING TO MISREPRESENTATION AND PREDATORY LENDING PRACTICES.
Mortgage Loan Number : XXXX - Numbers Audit ( Part 1 : Mathematical Analysis ) This audit is dedicated to a meticulous examination of the numerical aspects that underlie Mortgage Loan Number XXXX. A comprehensive grasp of these figures is instrumental in comprehending the intricate financial dynamics and consequences entailed by this particular loan.
Principal Loan Amount : At the inception of this financial agreement, the borrower received a loan amounting to {$170000.00}. This initial sum served as the foundation upon which various financial components, such as interest and supplementary costs, were calculated.
Annual Interest Rate : The interest rate associated with this loan was set at XXXX XXXX on an annual basis. When expressed as a decimal, this rate equates to XXXX. This annual interest rate played a pivotal role in determining the yearly interest charges applied to the loan.
Monthly Taxes : On a monthly basis, the borrower was responsible for taxes amounting to {$180.00}. These taxes primarily comprised property taxes linked to the property that was financed through this loan.
Total of Payments ( After Interest, Principal, Mortgage Insurance, and Loan Costs ) : The total cost of this loan, which encompasses the principal loan amount, interest charges, taxes, mortgage insurance, and various loan-related expenses, amounted to {$270000.00} over the life of the loan.
Finance Charge : The finance charge is a significant metric that encapsulates the total cost incurred as a result of borrowing. In the context of this specific loan, the finance charge reached {$100000.00}, encompassing the sum of interest paid over the loan 's duration.
Amount Financed : This figure represents the effective amount borrowed, taking into account any upfront fees or costs. In this instance, the borrower effectively borrowed {$160000.00} to finance their housing endeavor.
Annual Percentage Rate ( APR ) : The APR is a crucial financial parameter, reflecting the effective interest rate considering both the nominal interest rate and any associated fees or costs. For this particular loan, the APR was calculated at XXXX XXXX or XXXX as a decimal.
Total Interest Percentage : This percentage serves as a clear indicator of the portion of total payments allocated towards interest expenses. For this loan, this percentage amounted to XXXX XXXX, signifying that a substantial portion of the borrower 's payments contributed to servicing interest charges.
Annual Salary : The borrower 's annual income is reported as {$46000.00}, representing their yearly earnings.
Loan Term : This loan extended over a 30-year term, defining the duration during which the borrower would fulfill their financial obligations.
Monthly Payment Calculation : The monthly payment, inclusive of principal, interest, taxes, and ancillary expenses, was calculated at approximately {$710.00}.
Total Interest Paid Over the Loan Term : Across the entire 30-year loan term, the cumulative interest payment reached approximately {$80000.00}. This figure encapsulates the total interest expenditure over the entirety of the loan 's existence.
Affordability Percentage Calculation : The affordability percentage serves as a critical metric for illustrating the proportion of the borrower 's annual salary designated to service the loan. In this particular case, this percentage was calculated at approximately XXXX XXXX, indicating that a significant portion of the borrower 's income was dedicated to covering loan-related costs.
Implications of the Affordability Percentage : A heightened affordability percentage signifies that a substantial share of the borrower 's income is allocated to fulfilling loan obligations. This scenario carries potential consequences, including financial strain, an escalated risk of default, and sustained financial ramifications that may restrict the borrower 's ability to save or invest for future financial aspirations.
In Summary ( Part 1 ) : This initial segment of the audit has delved into the mathematical intricacies of Mortgage Loan Number XXXX. These numerical values form the core of the borrower 's financial commitment and warrant thorough examination within the context of the borrower 's financial situation.
Now, let 's proceed with Part 2 to provide a more detailed explanation of these numerical aspects.
Mortgage Loan Number : XXXX - Numbers Audit ( Part 2 : Detailed Explanation ) In Part 2 of the Numbers Audit for Mortgage Loan Number XXXX, we will provide a comprehensive and detailed explanation of the numerical aspects outlined in Part 1. This in-depth analysis will shed light on the financial intricacies and implications of this loan.
Principal Loan Amount : The principal loan amount of {$170000.00} represents the initial sum borrowed by the borrower to finance their housing endeavor. It serves as the baseline upon which all other financial calculations are built.
Annual Interest Rate : The annual interest rate of XXXX XXXX ( XXXX as a decimal ) determines the cost of borrowing over a year. This rate is applied to the outstanding loan balance to calculate the interest charged annually.
Monthly Taxes : The monthly tax obligation of {$180.00} is an additional cost borne by the borrower. These taxes are typically property taxes associated with the financed property, which the borrower is responsible for paying.
Total of Payments : The total cost of the loan over its life is {$270000.00}, encompassing not only the principal loan amount and interest but also taxes, mortgage insurance, and various loan-related expenses. This is the sum total that the borrower will pay over the course of the loan.
Finance Charge : The finance charge of {$100000.00} represents the total cost of borrowing. It includes the interest paid on the loan and provides a comprehensive view of the financial impact of the loan on the borrower.
Amount Financed : The amount financed, {$160000.00}, reflects the actual amount borrowed by the borrower after accounting for any upfront fees or costs. It's the amount the borrower effectively received to fund their housing purchase.
Annual Percentage Rate ( APR ) : The APR of XXXX XXXX ( XXXX as a decimal ) is the effective interest rate that considers both the nominal interest rate and any associated fees or costs. It provides a standardized way to compare loan offers.
Total Interest Percentage : This percentage, at XXXX XXXX, indicates that nearly half of the total payments made by the borrower go toward paying interest. It highlights the substantial interest cost associated with this loan.
Annual Salary : The borrower 's annual salary of {$46000.00} represents their yearly income, which is a crucial factor in determining the affordability of the loan.
Loan Term : With a term of 30 years, this loan extends over three decades, defining the period during which the borrower is obligated to make payments.
Monthly Payment Calculation : The monthly payment, approximately {$710.00}, is the regular installment that the borrower must pay to cover the principal loan amount, interest, taxes, and other associated expenses.
Total Interest Paid Over the Loan Term : Over the 30-year term of the loan, the borrower will pay approximately {$80000.00} in interest alone. This signifies the substantial cost of financing this loan.
Affordability Percentage : The affordability percentage, calculated at approximately XXXX XXXX, indicates that a significant portion of the borrower 's annual salary is allocated to servicing the loan. This raises concerns about the financial strain it imposes.
In summary, these numerical aspects provide a comprehensive view of Mortgage Loan Number XXXX. They reveal the financial commitments, costs, and implications associated with this loan, all of which are crucial considerations for the borrower.
Report 1 : Mortgage Affordability Analysis Mortgage Loan Number : XXXX Principal Loan Amount : {$170000.00} Annual Interest Rate : XXXX XXXX ( XXXX as a decimal ) Monthly Taxes : {$180.00} Total of Payments ( After Interest, Principal, Mortgage Insurance, and Loan Costs ) : {$270000.00} Finance Charge : {$100000.00} Amount Financed : {$160000.00} Annual Percentage Rate ( APR ) : XXXX XXXX ( XXXX as a decimal ) Total Interest Percentage : XXXX XXXX Annual Salary : {$46000.00} Loan Term : 30 years Affordability Percentage Calculation : The affordability percentage is a crucial indicator of a borrower 's ability to manage mortgage payments. In this case, the affordability percentage is approximately XXXX XXXX. This high percentage signifies that a substantial portion of the borrower 's annual salary will be allocated to servicing this loan.
Implications of the High Affordability Percentage : A high affordability percentage, specifically XXXX XXXX, carries significant implications : 1. Financial Strain : The borrower will face financial strain as a substantial portion of their income is dedicated to mortgage payments.
2. Risk of Default : Elevated mortgage payments compared to income increase the risk of payment difficulties, including delinquency or foreclosure.
3. Long-Term Financial Impact : The substantial total loan cost, driven by a significant portion allocated to interest payments, will have long-lasting financial consequences, potentially limiting the borrower 's capacity to save or invest for future financial goals.
Report 2 : Legal Considerations and Affordability The high affordability percentage of 585.07 % raises concerns about the loan 's affordability. It's important to consider the legal aspects of this situation : Legal Considerations : 1. Predatory Lending Practices : The terms of the loan, including the high interest rate and hidden fees, may be considered predatory. Such practices can violate consumer protection laws.
2. Undisclosed Disclosures : Hidden clauses and undisclosed disclosures in the loan agreement might be against the law, as transparency in lending is legally required.
3. Truth in Lending Act ( TILA ) : Violations of the Truth in Lending Act ( TILA ) might be present due to undisclosed disclosures and potentially predatory lending practices.
4. Tax Implications : Issuing a 1099-A form without proper justification could lead to tax-related complications, potentially violating tax laws.
Conclusion : In conclusion, the affordability percentage of XXXX XXXX indicates that the loan is not realistically affordable for the borrower. Additionally, there are legal concerns, including potential violations of consumer protection laws, Truth in Lending Act, and tax-related issues. Further evaluation and potential adjustments to the loan terms are necessary to ensure fairness, legality, and affordability for the borrower.
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| 06/14/2023 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage company : Virginia Housing Toll Free : XXXX XXXX XXXX : XXXX Toll Free : XXXX Dear Consumer Finance, I am in need of your help, as of XX/XX/XXXX, this month, I found out when I went to pay my monthly mortgage payment, it had gone up several hundred dollars. I immediately call customer service to find out what was going on with my acct. ( Full situation of all my attempts to get matter resolved is reported below. ) As of today XXXX XXXX XXXX, Virginia Housing-VH is not willing to do anything to help me clearly understand what has been going on with my acct over time. Clerks have been vague with acct information and VH has allowed a snowballing deficit to accumulate over time. From what I can piece together from contacts with clerks, I THINK, there was also a problem with new home insurance transfer in XXXX.
All three clerks have been very clear with my options : 1. pay the new payment and just deal with it or pay the new full amt or pay nothing at all ( ..this would lend to fast track on foreclosure ). Clerks have shared that VH has no interest helping me get concerns address and WILL NOT be re-calculating/analysis my acct, EVEN AFTER I pay up on ANY deficit on the acct, until next year. I have requested this adjustment on my acct/analysis, three times with all clerks, to reduce my monthly payment and all of them have said NO.
I know the clerks are limited to what they can say, as VH has put their staff in the position, to only get money, not be helpful to/with consumers. I am however not interest in being a part of this shake down approach. I WILL NOT blindly throw hundreds of extra dollars a monthly on my acct with no understanding as to what is REALLY get paid on.
I will not be put in a position of losing my home ; because of the mishandling of my acct and VH failing to notify me of problems letting a deficit snowball over time denying my requests for full information/ understanding fully of what has been going on with my acct denying adjustment/analysis once I attempt to get deficit pay up and NOW placement me at high risk of foreclosure because VH does not want go to a computer, hit compute button to update my monthly, once deficit is paid up.
VH has the liberty to adjust/run analysis when they want to, as VH has done in XXXX XXXX on my acct, according to one clerk. This was for VH convenience. VH also has software to notify a consumer by text, email or mail, if needed, and as I get monthly mail of every payment made. SO, it is not what VH cant do, it is what VH is willing to do for consumers to help set up consumers for success.
Situation : On XX/XX/XXXX I CALLED my mortgage company by phone to make my monthly mortgage payment. That is when I found out there were hundreds of extra dollars on my monthly payment.
I CALL vh and I connected to customer service rep XXXX and during this call : time was taken to review my account to see where the extra amount of money was coming from. She had limited information but she stated I needed to call my old insrance company get refund check, call VH back,, pay VH AND TELL THEM TO DO ANOTHER ANALYSIS ON MY ACCOUNT TO FIX THE MONTHLY PAYMENT STATEMENT. she DECLINED to take any form of payment. She stated I pay all of payment or I pay NOTHING. I was not able to pay the full amount, as it was hundreds of extra dollars for this month. She was happy to connect me to the her connections department.
I was connected to XXXX. she shared a little bit of information and she also DECLINED to take any form of payment. She also offered that I could pay an extra {$800.00} now today..it would to help bring down the monthly payment. ( VH can run a anaylsis if they wanted to ) She gave no other offers of help with me in this matter. I had to remind her that if I couldn't pay the extra for the mortgage payment, where would I come up with extra {$800.00} to bring down my payments. Again, I was ask to pay random sums of money with no clear idea of what/where money was got to.
Clerks followed their work scripts to meet VH needs but offer nothing to help me. VH was willing to PUT ME IN THE PROCESS OF NOW MISSING A MONTHLY PAYMENT, GETTING A NEGATIVE HIT ON MY CREDIT REPORT, being charged late fees, AND STARTING THE PROCESS TO FORECLOSURE BECAUSE OF the mis -managment of my acct and failure to notify me.
**This is the second time that I have called mortgage company for help, in my 14 years with them and they were happy to set me on the track for foreclosure, because of their rigid, unbending and non-customer service support practices.
**In XXXX all electronic software has a way of making adjustments to payments, send out letter of concern ( VH send me monthly an payment received ) when need and/or flag a acct of errors if needed, with the hit of a button and VH has failed to do this/unwilling to do any to help consumer.
Continued XXXX on mortgage problem with VH.
Monday XX/XX/XXXX I made a second telephone call to Virginia Housing VH at XXXXXXXX XXXX XXXX I spoke with XXXX, and explained why I was calling and she stated that she could help with payment part of call and she could transfer to collections for manager. She waved a {$15.00} fee and was able to work with me with getting {$400.00} paid, ( owed to VH form old insurance company ) by phone authorized the one-time payment reference number XXXX. I asked her to apply to VH and she stated she couldn't apply the XXXX specifically for VHS refund but it goes towards the balance of the escrow account.
Doing this phone call I also found out for the FIRST time that my account before, the new insurance company bill in XX/XX/XXXX, that II had a DEFICIT of XXXX. I asked her why VH did not notify me of the deficit and I did not get a answer to that question.
In the deficit of XXXX. XXXX, She stated that I had {$390.00} in taxes that also contributed to this total. I asked her if I paid that amount and get this deficit caught up could a analysis/adjustment be run, in order to get my monthly payment adjusted to/around my former payment. My goal was to get my monthly payment back to a manageable amount per month. No it is not in VH interest to run another analysis unless, I pay VH a large sum of random money. All clerks have denied the request for adjustment.
My goal, in XX/XX/XXXX, is to get payments caught up with the deficit and to get another analysis run to bring down my monthly payment as of XX/XX/XXXX. This is very doable be VH WILL NOT work with me.
She was very clear that the only way VH would do another analysis is if I PAID off the full amount of the new insurance companies insurance. This would be a {$1900.00} payment and to pay off deficit balance to VH.????
I HAD TO REMIND THIS CLERK THAT IF I COULDN'T PAY SEVERAL HUNDRED DOLLARS MORE A MONTH IN A MONTHLY PAYMENT WHERE WOULD I GET {$2700.00} FOR ONE-TIME PAYMENT. My current mortgage payment problem is of no interest to VH, and VH is not willing to work with me to fix problem or tell me what is going on with my acct.
*** I AM IN A CURRENT SHAKEDOWN SITUATION with VH WITH NO ONE HELPING ME AND I'M CURRENTLY BEING ASKED TO THROWING RANDOM MONEY INTO AN UNENDING BLACK HOLE AND NO ONE AT VH IS TAKING RESPONSIBILITY WITH TRYING TO HELP ME FIX THIS PROBLEM. I ALSO DO NOT APPRECIEATE HAVING TO PAY MY NEW INSURANCE IN FULL FOR FUTURECOVERAGE AND OTHER CONSUMERS CAN GET THEIR PAYMENT DONE MONTHLY.
I VERBALLY REQUESTED THAT MY ACCOUNT BE RUN THROUGH ANOTHER ANALYSIS/adjustment AFTER I PAY THE XXXX TO CATCH UP MY ACCOUNT. Again I was told VH has no interest in doing another analysis to correct my monthly payment. I need to wait until next XXXX of XXXX.
**I HAVE CONTACTED VH TWICE BY PHONE, ONCE BY EMAIL_ TO REQUEST AN INTERAGENCY AUDIT ON MY ACCOUNT AND ALL REQUEST WERE IGNORED.
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| 10/09/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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Hello, I am reaching out to this eclectic group as a humble Virginia and XXXX. I am desperately hoping for a miracle from you. I am a husband and a father who always wants the best for his family. In this case I have tried going the normal course and have tried everything in my power to prevent getting to this point.
Facts : For the past 4 years my wife has suffered with debilitating XXXX XXXX. I have a XXXX XXXX XXXX son who relies on me for all the comforts he is entitled to.
I was in a repayment agreement with XXXX regarding my mortgage in XXXX XXXX. In XXXX XXXX, when I was notified of a layoff of my job, I notified XXXX by mail of my change in income from {$56000.00} per year to {$0.00}. As is their custom I called to advise them and they referred me to their borrowers assistance package to determine if anything could be done to help with my payments. On XXXX XXXX I filed this paperwork via XXXX mail after 30 days ( their timeframe ) I had received no response. I called and spoke with XXXX or XXXX who said it had not been received and to refile, which I did on XXXX XXXX. Again I heard nothing and I called in XXXX and was told again to file the paperwork.
During this time, I received no reinstatement letter or notification of possible foreclosure. I try to file paperwork again only to find out foreclosure occurred XXXX. I believe my paperwork was not processed due to my wifes mental illness and as a way to discriminate against her. I made multiple contacts to XXXX to see if they could help me avoid this action.
Fast forwardI attended an eviction hearing on XXXX thinking that the judge would hear my argument and at least continue the case. He didnt. Rather he sent me back to the lawyer for XXXX and to the company but ordered eviction proceedings could be filed I XXXX business days. I tried to work with XXXX to get them to go back and allow my borrowers assistance package from XXXX and XXXX to be reviewed. They said they have no evidence it was received and they refused indicating that they could do nothing.
Request : I want a temporary stay of the eviction so my original paperwork can be resubmitted and reviewed. I am seeing commercials now about the holiday but how do you have XXXX in a car? I have no where to go nor do I have any extra funds to locate. This is the only home my son has known. We are fully prepared and have been to assume normal house payments but XXXX will not take partial payments so I havent been able to give them less than the repayment plan amount which was $ XXXX due to my layoff.
I need help and XXXX XXXX I go down I get turned away. XXXX still owns this property so why wont they help me. I have also filed a complaint with the CFPB but that takes upwards of 15 days to resolve which I dont have.
I hate to beg and Im not trying to get out of my debt but I need help. I dont usually ask but rather rely on my own to resolve issues directly with the business. In this case those attempts have been futile.
I look forward to your prompt reply to my request for direction and help. Please only work with my husband XXXX XXXX due to my illness. You
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| 05/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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In XX/XX/XXXX, we received correspondence from the Consumer Financial Protection Bureau regarding a legal settlement between CFPB, the United States Department of Justice and XXXX XXXX XXXX ( now XXXX XXXX ). In the consent order, it states that there are allegations regarding possible " discrimination impacting approximately XXXX XXXX and XXXX borrowers who potentially were charged higher interest rates and fees than XXXX borrowers because of their race or national origin rather than the borrowers ' credit worthiness. '' As part of the XXXX XXXX dollar settlement, impacted borrowers will be receiving a one-time disbursement of approximately {$540.00} once a signed Borrower Verification and Release of Claim form is submitted.
We are very appreciative that this is being investigated, but wanted to know why a review for a possible interest rate reduction for these impacted borrowers is not part of the settlement. Is that something that can be considered? With low appraisal values preventing impacted borrowers ( like us ) from refinancing with their current mortgage company/servicer for a lower interest rate, we are paying a significant amount in interest each year with no way to lower the interest rate until the housing market rebounds. We have personally tried for years, however, due to our current loan to value, we are stuck at an interest rate of 7.25 % unless we come up with $ XXXX out of pocket, which really defeats the purpose of refinancing.
Currently, our servicer is the Virginia Housing Development Authority and they have no plans to assist any of its borrowers with interest rate reductions, unless they are distressed. Unfortunately, no other company will refinance our mortgage due to our loan to value. The current HARP programs do not apply to loans owned by VHDA.
In light of the recent allegations documented in this consent order, we are hoping the aforementioned can also be looked into, in hopes of helping some of these potentially impacted borrowers ( like us ) with a little relief. A {$540.00} one-time disbursement ( though we are appreciative ) compared to over $ XXXX we pay in interest a year on our current mortgage at 7.25 % in no way compensates. Although we feel the disbursement should be much more, we are more concerned about at least reducing the interest we will pay in the future through an interest rate reduction.
We do n't want to lose this disbursement and have until XX/XX/XXXX to sign the Release of Claim which would prevent us from pursuing any further legal action. VHDA is currently looking into options, now that we have provided them with the documentation regarding the settlement, but we are not sure they will assist. Lastly, we reached out to the Department of Justice who referred us to the CFPB for any further inquiries, which is why we are completing this complaint per their instruction.
Thanks in advance for your review and consideration to help provide relief.
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| 07/25/2017 |
No |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XXXXXXXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XXXXXXXXX with this document ( https : //www.irs.gov/XXXX ). This link also traces to the First Quarter Income for XXXX dated XXXXXXXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XXXXXXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$XXXX} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$XXXX} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XXXXXXXXX. There should be a discharge for all properties effective XXXXXXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.
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| 09/08/2015 |
No |
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- Loan servicing, payments, escrow account
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Web |
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My wife has her house financed through the Virginia Housing Development Authority. In the last year we have had to change our home insurance policy on that house. VHDA has continually made mistakes with correctly paying out the policy to the provider XXXX XXXX insurance Company with XXXX as the agent ) via the escrow account. It was so bad that at one point because VHDA paid out to XXXX wrong insurance providers, who were not XXXX, XXXX and XXXX informed us that they were going to drop us due to non-payment. We thought we had that whole issue taken care of in the XXXX timeframe of this year. However about XXXX months ago we got notified by VHDA that the escrow account was shorted by over {$1200.00} and therefore the mortgage payment on the property was increasing by over $ 200/month to cover the shortage. The reason for this shortage was because VHDA had paid out, twice for about {$1200.00}, insurance companies who were not our providers. Therefore After spending over XXXX hours on the phone with XXXX trying to understand what the issue was and who caused it, my wife and I thought we had this issue taken care of. VHDA even sent us an annotated print out showing where they had sent out XXXX incorrect payments, received return payments from those companies and finally paid out, correctly, to XXXX XXXX. Therefore, my wife and I thought everything was taken care of both with XXXX, to ensure we had insurance on the house, and VHDA, such that there was no longer a shortage in the escrow account. However, when we went to make the monthly mortgage payment this month, the payment amount reflected an amount that VHDA told us we would have to pay because the escrow was short funds. What I am filling a complaint about is this issue. Why do I have a document from VHDA showing that my escrow account is in good standing and any issues with the lack funds in the account are as aa result of their mistakes and not ours as a homeowner, and somehow I 'm still responsible for missing funds that should n't be missing from my account in the first place. This issue has been ongoing for almost a year and we would like it resolved.
ThanksXXXX and XXXX XXXX ( XXXX XXXX )
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| 07/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is the second time I've had to file a complaint regarding my experience with Virginia Housing during a forbearance plan.
Background : I was laid off from my full-time job in XX/XX/2020. The layoff was prior to the COVID-19 pandemic, however, my ability to find a new job was impacted by the COVID-19 pandemic and a job I was offered was then delayed due to the COVID-19 pandemic. All of this was communicated to Virginia Housing. However, in violation of the CARES Act, my missed payments were reported to credit bureaus and my credit score subsequently plunged. I tried several times to resolve the issue with Virginia Housing before filing a complaint through CFPB. Only then was the issue resolved. Calls and emails went unreturned several times during the forbearance process.
Current issue : I informed Virginia Housing that I am employed as of XX/XX/XXXX and would be able to resume mortgage payments by XX/XX/XXXX. I was directed to submit an attestation form, which I did. I then received a call indicating that the end of my forbearance was approved and the amount owed would be added to my existing loan. I was told I would received a letter via email by XX/XX/XXXX and later via regular mail verifying as much. When I did not receive the promised XX/XX/XXXX email, I followed up. I was then told that there were " concerns '' with my file and that my forbearance appeared to be not due to the COVID-19 pandemic and therefore the loan would need to be modified and more time was needed for that process. I once again, as I had before, explained that my forbearance was indeed due to the COVID-19 pandemic. However, Virginia Housing is still refusing to make good on the original approval and send the documentation effectively ending my forbearance. Instead, they are asking for my " patience. '' I am still behind on other financial obligations and desperately need resolution so that I can refinance my loan and consolidate the debt accrued to support my daughter and myself for the past 18 months. Please help. Thank you.
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| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was laid off from my full-time job in XX/XX/XXXX. After significant job seeking activities and interviews, I received a verbal offer of full-time employment by a hiring manager with the federal government in XXXX of XXXX. However, due to the COVID-19 pandemic, the hiring process has been significantly delayed at every stage and created a hardship for me and my daughter. I received the written offer in XX/XX/XXXX, was in the security clearance process through XXXX and the agency is now awaiting budget approval for the position.
I was able to pay my mortgage, secured in XXXX with Virginia Housing and backed by XXXX XXXX, with personal savings and severance pay until XX/XX/XXXX. At that time I was approved for a forbearance program with Virginia Housing. I have discovered that Virginia Housing has reported missed payments to credit bureaus. I have verified with a Financial Education counselor at the XXXX XXXX Extension office that the federal CARES Act directs lenders to not report missed payments as part of a forbearance program associated with hardship and the COVID-19 pandemic so long as the account was current at the time of the forbearance program application.
I have explained this to my forbearance program representative and a customer service representative over the past few months, but my credit report still reflects missed payments to Virginia Housing. I received a letter this month stating that Virginia Housing would not be correcting the information because it is " accurate. '' While I understand the information is " accurate, '' reporting the information is in violation of the federal CARES Act, as I've stated above and verified.
I have also reported this issue to XXXX and not received a response.
I would greatly appreciate help rectifying this situation with Virginia Housing and the credit bureaus in order to protect my previously good credit score.
|
| 11/13/2023 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Servicemember |
|
This mortgage servicer has entered my property without authorization, contacting both my XXXX grandmother and father. I possess evidence in the form of video surveillance, which prominently displays a " no-trespassing '' sign on my premises. They have engaged in unwanted surveillance and left blank notes on my window and doorstep in an attempt to establish contact, employing the practice known as " ding-dong ditching . '' Despite repeated requests, the mortgage servicer has not provided a copy of the purported contract between us. It is essential to clarify that I have never entered into a contract with this company. My original contractual arrangement was with XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX engaged in mortgage fraud by creating false budget sheets, resulting in my qualification for a fraudulent loan. They were aware of the fraudulent nature of the loan, leading to its sale. Importantly, I was not provided with full disclosure regarding this fraudulent activity, including my right to rescind under the Truth in Lending Act. I keep asking them to produce the original note. The deed alleges the home was purchased for XXXX dollars. They are claiming a loan took place but they have yet to furnish any proof that any loan happened. The only money that has been exchanged has been extorted from me to this servicer under false premises.
The current servicer is falsely claiming that my home is vacant, potentially as part of their predatory lending and mortgage fraud misrepresentation tactics, which also violate my civil rights. I hereby dispute any alleged power of attorney by this company, as they claim an irrevocable power of attorney without making me aware of it. Fraudulent practices nullify the entire agreement, as full disclosure never occurred. I do not consent to and will consent to harassment, stalking, or intimidation tactics.
|
| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
In XXXX of XXXX I started the process of refinancing my home in order to lower my monthly payments. My original loan was with Virginia Housing Authority, now Virginia Housing. The closing for the refinance was XX/XX/XXXX, and the payoff statement included the mortgage payment for XX/XX/XXXX, with payout to Virginia Housing on XX/XX/XXXX. I paid the mortgage payment for XXXX on XX/XX/XXXX. This means that Virginia Housing received XXXX payments for the month of XXXX. They have NOT reimbursed me for the double payment.
I received a check on XX/XX/XXXX, in the amount of {$360.00} stating that was the amount I had in my escrow account. I called Virginia Housing on XX/XX/XXXX, and spoke with a representative of the company. He informed me that yes, they received the XXXX mortgage payment from me on XX/XX/XXXX, and yes, they received the payoff from XXXX loans on XX/XX/XXXX, which also included a mortgage payment for XXXX. More than that he could not tell me and stated that loan payoffs are an entirely different department and there is no phone number for them. He provided me with an email address, XXXX, and told me to email them. He stated that they typically respond in XXXX to XXXX days.
I emailed Virginia Housing on XX/XX/XXXX, and again on XX/XX/XXXX. I have received no response nor have I received the refund for the XXXX mortgage double payment.
|
| 09/17/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Selling house found issue on vhda loan. I must have forgotten to pay the XXXXdollars on my loan and got no correspondence that I was late. I was trying to change my name on my loan and they told me a month ago I was 30 days past for 7 months. The man I originally spoke with said they had sent out a letter every month for seven months that they had proof of that. I squared up this month. Meanwhile selling my house and I 'm told I need a statement of my loan history for my lender. Apparently this is a big problem being late on a Morgage payment so I spoke with me XXXX XXXX he said it was OK. So I signed my papers and finished off my loan. When I talked to him next we determined it had n't gone to credit reporting. Because I had filed bankruptcy. Then he said he would get back to me later that day, the next day same thing he did not. I had left messages and let him know how bad of a situation I am in with my XXXX dogs, husband, so, and my XXXX mother XXXX ... no response. I insisted not be sent to voicemail ... wanted to speak to his boss he was out got sent back to him. He know explained that because I filed bankruptcy they are not obligated to send out notices ... XXXX XXXX XXXX has no problems with this.they are my first Morgage company. I am in a huge pickle and feel seriously misled. Hoping my family and I sent going to end up without a home.
|
| 03/30/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I got divorced back in 2004 and was awarded the home as long as I maintained the mortgage. The Respondent never responded to the prompt execution of the deed transferring all his interest to me after several attempts made throughout the years. I submitted my divorce papers to Virginia Housing Development Authority ( VHDA ) several times and they are not helping me stating I need his signature. If he ignored a court order of signing the house over to me how am I suppose to get a signature from him? I have not seen nor spoken to my ex since 2004 and I do not know his whereabouts or whether he is dead or alive. I am not able to remove his name from the mortgage/deed because he is unfound. I keep explaining the situation to VHDA and they offer no assistance even though their website states say to contact them if you are having financial trouble. I can't apply for any modifications or forbearance during the Corona Virus due to this ongoing situation and I do not want to go into foreclosure. I've made all mortgage payments and I have 12 years left on the loan and when I need assistance VHDA turned their backs on me. It's great to see other institutions are helping their consumers during the pandemic but not the VHDA in my situation.
|
| 09/21/2023 |
Yes |
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
We pay our mortgage every single month and the mortgage company let our home insurance lapse. Multiple attempts from my husband, myself, and our home insurance company and they still let it lapse. Several times the invoice was sent and they ignored it completely. We have construction going on in our home for over 6 months now due to the previous owners not fixing things properly & all this with XXXX children. The mortgage company not paying the insurance invoices completely screwed us over. We have one less bathroom ( the main one with shower as well ) along with extensive mold that needs to be removed ASAP. The mortgage company not paying this invoice has delayed everything being fixed even longer because now we need an entire new policy before we can finish filing another claim for the mold. We have XXXX children. Our home isnt safe ( theres concrete instead of flooring on top, mold, a gutted bathroom, etc. ) because of the delayed process from a home insurance lapse. This is completely unacceptable and has caused so much stress for our family. We do our part every month by paying our mortgage we expect them to do their part as well and they have failed us.
|
| 09/04/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
Virginia housing in XXXX Virginia continues to ignore my requests to do a readjustment or assessment on my account so that my monthly payment will show the correction on my monthly payment account. It is not until I call XXXX that they take my request seriously so this is being sent again. I am attempting to get my monthly payment for XX/XX/2023 adjusted as I just made a large escrow payment that would be in the positive. I will not make my monthly payment or pay any extra fees until this company adjust and respect my request to get the adjustment done. It was done recently due to a large amount of money being put on the account and it was done with no problem once they connected me to the right person with this agency. This is not about company protocol this is about them being lazy and not making the adjustment to take 5 minutes to go to the computer adjust my escrow and have it posted
|
| 10/16/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have already filed a complaint but the resolution was not satisfactory. I realize I missed a payment in XXXX on a repayment plan but I lost my job in XXXX. I notified the company immediately but they claim they never received my requests for assistance. As a result Im going to lose my home in the middle of the fall and I have no where to go. This seems not to matter to the company and since they still own the property Im not sure why they wont they wont try to help me. I know they have tried in the past but we are ready and able to resume normal payments. My wife is XXXX and is XXXX XXXX and my son is XXXX.
There is no way to move them at this point. I wish I could get them to grant me help again. I cant lose my home XXXX simply cant. How do you celebrate XXXX living in a car? Please help me.
|
| 08/25/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
Earlier this year i changed lender on home insurance. XXXX gave me a very hard time with that transition AND staff kept telling me I was wrong for change, as new amt was too high. XXXX offered NO help with resources at that time.
As of XX/XX/2023 I will have a lower home insurance amt with new lender. I have notified XXXX through internal audit email of the change and requested a new adjustment on my acct, for a new mortgage amt for XX/XX/2023. I WILL NOT be calling XXXX customer service and be told what XXXX won't do, as all staff was wrong, the last time. I am seeking a new adjustment to amt monthly, as IT IS VERY DOable and was done earlier this year.
I have done my part on my own, I now need XXXX to do their part in a timely manner.
|
| 03/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My mortgage is with Virginia Housing Development Authority. I pay my mortgage online and this month there was an additional fee of {$350.00} indicating it was a fee for possibly mitigation and/or short sale ( it was n't clear ). I tried calling VHDA but could not reach them. I tried just paying my regular mortgage fee but the system would n't allow me to. Last year my loan was mitigated in XX/XX/XXXX and I tried a short sale in XX/XX/XXXX which was denied in XX/XX/XXXX. There was NO indication there would be a fee for these actions. Nothing was said to expect a fee at any time. In my estimation, this fee is purely extortion - a scheme to bilk a customer they already know is experiencing financial difficulties.
|
| 05/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/16 : received a bill in the mail for my real estate property taxes, half 1, in the amount if {$1000.00}. I have been paying into my mortgage with VHDA from my monthly payments and so my property taxes are supposed to be paid by my lender. By me getting this bill, I can only assume they have not paid them for 2021 year. This lender has been paying my property tax for the past two years. I have not changed lenders, I have not refinanced my house, nothing has changed except I switched insurance companies for my house. I do not understand why I am getting this bill when I have not received one before. They have always been paid by my lender.
|
| 08/30/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Dear CFPB, My fixed 30 year mortgage with VHDA when up from approximately {$2300.00} to approximately {$2400.00}. VHDA and XXXX XXXX reported to me that my mortgage was a 30yr fixed mortgage when I bought my new townhouse. Now I have been told by VHDA that my HUD insurance when up. VHDA told me to call HUD for further explanation. I called HUD FHA Resource Center and they referred me to CFPB to file a complaint to VHDA. I hope you can investigate my case ( FHA Case Number XXXX ) at your earliest convenience. I appreciate your assistance.
Best, XXXX XXXX
|
| 03/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I went into Forbearance with VHDA in XX/XX/2022. Was granted money through relief organizations that never reflected on the amount owed. Then when I was out of forbearance was told I qualified for a Virginia housing relief grant of XXXX XXXXk but I owed $ XXXX and needed to bring the balance down to $ XXXX to be able to receive the grant to pay what I owed. I ended up having to do a loan modification and sign papers saying that I owe them all kinds of money and I have no idea at this point. It restarted my loan for 30 more years.
|
| 11/08/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I requested the 180 forbearance on my mortage as granted to me by the federal cares act. I was contacted by a XXXX XXXX XXXX, on XX/XX/XXXX and was told I was granted the forbearance, and he requested that I send an email to the company attesting to my financial hardship from covid ( which is not allowed by the cares act ) but I sent the email anyways. Then a month later I find out, I was never granted the forbearance and was not given a reason as to why my federally granted rights were being violated.
|
| 12/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the fair credit reporting act this creditor has violated my rights, Under 15 u s c 1681 section 602 states I have the right to privacy. 15 u s c 1681 section 604 A section 2 states that a consumer reporting agency may not furnish an account without my written instructions. Under 15 u s c 1666 b a creditor may not treat a payment on a credit card account or under an open end consumer plan as late for any purpose.
|
| 07/31/2017 |
No |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Please review attached underwriting disclosure for my home property XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. No escrow/financing is available to XXXX XXXX XXXX.
|
| 07/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I asked for the COVID Forbearance and was denied by my mortgager, the XXXX, I only need enough time to sell. It's an inherited property.
|
| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Trying to take over loan my son was named XXXX on his mother estate but has a XXXXXXXX XXXX XXXX XXXX just wanted to take over loan
|
| 06/29/2018 |
No |
|
- Trouble during payment process
|
|
Web |
|
|
Just raise payments every month after one day late!! Interest is XXXX dollars more every time
|
| 08/22/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Vhda lawyers and bankruptcy attorney bullied me into an agreement that was impossible to do.
|
| 03/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
incorrect information on the short sale of my vhda mortgage. very inaccurate information.
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/26/2022 |
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
|
|
Phone |
Older American, Servicemember |
|
|
| 01/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/09/2021 |
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
|
|
Web |
|
|
|
| 12/06/2019 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/06/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/01/2018 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/08/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/06/2017 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/20/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 10/13/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/19/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 02/12/2014 |
No |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 02/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 01/02/2014 |
Yes |
|
|
|
Postal mail |
|
|
|
| 12/05/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/04/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/16/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/20/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/15/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/19/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 04/19/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/08/2012 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/25/2012 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/21/2011 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|