FHA mortgage Trouble during payment process

RP FUNDING INCORPORATED Mortgage department,

FHA mortgage Trouble during payment process Florida

After the hurricane of -, I called RP Funding to pay over the phone because their website was down. At that time I was offered 3 month forbearance since My account was current and I had experience property damage. I was told that the 3 months payments would be added to the end of the mortgage, that no fees would be incurred and there would be no effect to my credit. When I tried to pay for -/-/- as I was told my next due date would be, the website was still not functioning so I called the company again to make the payment. The agent who took my payment apologized for the inconvenience, took my payment and waved the fees normally charged for phone payments Thereafter I started to get delinquency letters and when I called to query the letters I was told that I should disregard them because more people accepted the offer than anticipated and that there was a back- up in updating the records. I continued to make my monthly payments and made several contacts with the company by phone and letter in attempt to resolve the issue. About -/-/-, I received a letter stating that my payments would be returned and future payments not accepted. Subsequently I wired the total funds they said I owed even though I disagreed with the total. This was also returned stating that I needed to send more than $2000.00 additional. Then I receive notice that foreclosure was filed and my account was reported to the credit bureaus as delinquent. I think that the hurricane is being used as an excuse to charge additional fees.

Nov 19, 2018

* Source: CFPB Complaint Database

RP FUNDING INCORPORATED response to complaint:
Closed with explanation

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