Umpqua Holdings Corporation Mortgage Complaint

Umpqua Holdings Corporation Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Oregon

My mortgage is held with Umpqua Bank. Formerly, Sterling Bank. Since the time Umpqua took over all Sterling clients and loans, my mortgage payments have been messed up. In - 2015, as I normally do, I mailed my mortgage payment, it was cashed by Umpqua Bank on -/-/15, ( proof of the payment is available and was sent to Umpqua Bank ). Then in the beginning of - I received a call and mail from Umpqua Bank stating my mortgage was - days behind and they sent me loss mitigation paperwork. Not knowing if they were accurate, I authorized - immediate payments. I then went home to research whether or not I made my - payment and found out by my records and my - - that not only was my payment made, it was cashed. I immediately phoned Umpqua Bank back, they asked me to fax a copy of the check, which I did on - - and they would get back with me. By Monday - -, no one had called, so I called again. I was told redirected to - different people, I was told they were working on figuring out the issue and because I was


was nothing they could do. I provided proof and have NEVER missed a mortgage payment. I believe they have violated numerous laws and I feel as if NO ONE is protecting us from this bank. I would like to have this entity step in and resolve these issues, get refunds for me and other borrowers affected as well as correct our credit reporting. I do believe if I do n't get resolution, I will hire an attorney. Fair Credit Reporting Violations, Misappropriation of customer funds and an inability to have accurate accounting of my mortgage payment and reserve account are all things that I have been advised are part of the Consumer Protection, are n't they?? PLEASE ADVISE WHAT THE NE-T STEPS ARE AND WHAT WILL BE DONE FOR RESOLUTION.