Review and analysis of 58 consumer complaints against Plaza Home Mortgage
Out of the 58 consumer complaints against Plaza Home Mortgage Mortgage, 17% were disputed by the consumer (i.e. the consumer was not happy with how Plaza Home Mortgage responded to their complaint) and 97% were processed in a timely manner. 3% of consumer complaints against Plaza Home Mortgage resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 7% resulted in non-monetary compensation.
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Plaza Home Mortgage loan servicing, payments, escrow account February 14, 2017 - On - -, 2017, I went on the website of Plaza Home Mortgage - - - - to pay my - 2017 payment. The was accepted and i received a confirmation that the payment was received. I fact, at the bottom of the confirmation page it states " Your payment was successfully completed. Thank you for your payment. Please retain your confirmation number for your future reference. NOTE : Payments may take up to 2 business days to post. however, the transaction will be effective for the date submitted. '' ( Attached as Exhibit A ). This makes PLAZA liable for this payment. On - -, i rec... |
Plaza Home Mortgage application, originator, mortgage broker January 13, 2017 - On - -, 2006, - - - and - - -, Husband and Wife, at Common Law, Tenants by the Entirety, as Fee Owner, executed a promissory Note secured by a Mortgage. ( see " Attachment '' ). The Note identified the lender as Plaza Home Mortgage, Inc. The Mortgage stated the lender was Plaza Home Mortgage , Inc., a corporation originated, and existing under the laws of California. - - was the loan officer of - dba All - ( - ), who brokered the mortgage loan in 2006. The Professional and Vocational Licensing Division, State of Hawaii records appear to indicate that -... |
Plaza Home Mortgage loan servicing, payments, escrow account December 16, 2016 - I have a mortgage with Plaza Home Mortgage Inc. for several years now, I have had nothing but problems with them from the very beginning. They make it impossible to do anything very unhelpful or willing to work with people. There online site has not been available to me for several years it might work one month but not the next, tried so many many times working with there IT people and it never gets resolved. I must of spent a year off and on, on the phone many hours and nothing. I gave up and make the payment through my bank! Last year I had to file bankruptcy and they would NOT send my stat... |
Plaza Home Mortgage loan servicing, payments, escrow account December 10, 2016 - I have a - loan with Plaza Home Mortgage Company. Due to no fault of my own, the construction project was delayed and an extension was granted. The project is still only a couple of weeks behind schedule. I requested a 2 week extension and was denied. I was also threatened with foreclosure and was told that I am on a final HUD default list. I have been making timely payments and have not missed any payments all throughout the duration of the loan. I have spoken to the - administrative processor and his supervisor, to no avail. They both refused to allow 2 more weeks to finish the constru... |
Plaza Home Mortgage loan modification,collection,foreclosure November 30, 2016 - My Name is - -. I purchased our home in 2015. Plaza Mortgage is our mortgage company. We closed in -. I have experienced a loss of income at my job on the radio. And it was reduced by half. I contacted the mortgage company, and they took my information. I did n't hear from them for Months ; meanwhile, I was delinquent on my mortgage. They send me a modification requesting payments that are HIGHER than what my original payment is. I sought out an expert, and he assisted in submitting documentation. The bank insists that they have n't received documentation however we have proof they ... |
Plaza Home Mortgage settlement process and costs November 24, 2016 - I am selling my home with an FHA mortgage. I have never defaulted on the loan and, as far as I 'm aware, all MIP payments were submitted from my escrow account on time. The closing date for the loan is -/-/- ; I have made the - payment on my loan. The MIP asked for in the payoff docs were $530.00 My MIP monthly amount is $270.00 so it is not quite two monthly payments. I was confused by this amount so I called the loan services. When I spoke with a loan counselor she said I was to pay one month MIP in arrears to make up for not paying on the mortgage for the month after funding... |
Plaza Home Mortgage cont'd attempts collect debt not owed debt is not mine November 18, 2016 - Plaza Mortgage made a mistake and put one mortgage payment toward the principle of the loan instead of -/-/- 's payment, as I intended. I called customer service, and they noted their mistake and reversed the principle payment, and put it toward -/-/- 's payment. Ever since, we have received 6 letters in the mail saying we are delinquent on the mortgage and are in peril of foreclosure. Let me be clear, we are absolutely current on our loan. I have had to call customer service 3 times to ask them to stop sending collections letters, but they keep coming.... |
Plaza Home Mortgage loan servicing, payments, escrow account October 28, 2016 - Home was purchased - -, 2015 at which time the subject of flood insurance was broached and we were informed that - Form -, determined -/-/15 at - CDT by - FloodCert # - for life of loan was completed and no additional flood insurance was required. Later, lender notified us that flood insurance was required which made me then began to question how this was possible. No real answrrs were ever received from lender nor our current hazard insurance company. I could not under stand how at the closing no flood insurance was required for life of the loan then all of a sudden... |
Plaza Home Mortgage loan servicing, payments, escrow account October 12, 2016 - Plaza Mortgage messed up our escrow account so that when they re-assessed our payment it was set to be $900.00 more per month. When we saw this we questioned it immediately via e-mail but got no response. So, we called but were on hold so long I decided to investigate it further to see if I could figure out how this happened. I went through every transaction and found an extra property tax payment that we did n't have on our bill from the county. Going through the county records I was able to discover that Plaza had paid for our neighbor 's tax bill on top of ours. So, I e-mailed them and c... |
Plaza Home Mortgage loan modification,collection,foreclosure August 15, 2016 - -/-/- I contacted Plaza Home Mortgage to ask for a payment deferral as I had lost my job. Plaza indicated that payment deferral was a loss mitigation option that they offered. On -/-/16 I submitted a loss mitigation application which kicked off a 1 & 1/2 month vortex of Plaza claiming I did not send them various documents and me trying to get them what they needed. It was so frustrating that I filed a CFPB complaint -/-/- because it appeared that - was either very incompetent or just giving me the runaround. Nothing became of that CFPB complaint. Finally, on - - I was ... |
Plaza Home Mortgage loan modification,collection,foreclosure July 27, 2016 - Plaza Home Mortgage has denied my request for a loan restructuring for over two years now siting that the holder of the note will not allow it according to their Loss Mitigation Department. Plaza Home Mortgage is the note holder after some investigation and their admission. I was advised I would receive a face to face interview with a company called ( - ) - - - , - to go over my account and to help save my house from foreclosure. I was told they would contact me and I should just wait. I never received any contact from -, nor would Plaza give a number for them when I called. ... |
Plaza Home Mortgage loan servicing, payments, escrow account July 25, 2016 - I just got a new mortgage provider and was looking forward to making bi-weekly payments instead of monthly payment so I could pay down the loan quicker and better connect my payments to my bi-weekly paycheck. But my mortgage provider wants me to pay a $150.00 setup fee. I do n't think it 's fair to charge me for this pay structure which can help me save money.... |
Plaza Home Mortgage loan servicing, payments, escrow account July 15, 2016 - Began buying our home in -/-/- using Automatic Monthly Mortgage payments via our - - Acct. Home Plaza Mortgage Company began pulling E-CESS payments from our account! They failed to notify us that they were doing so! On - -, -, I discovered these discrepancies, called Home Plaza and was told these were not excessive charges. Calling back on - - -, the staff person acknowledged there appeared to be excessive charges from Plaza, I was told that I would not have to pay our mortgage for several months. I informed them that we want the excessive charges returned to us i... |
Plaza Home Mortgage loan modification,collection,foreclosure July 5, 2016 - I lost my job on -/-/16. On -/-/16 I submitted an application with mountain of documents via email to the loss mitigation department. Since, I 've repeatedly received requests to email the same documents. Each time I email them, I call to confirm receipt and I 'm told they have - days to review the documents. After the - days elapse I get another email stating they need the same documentation. I sent an email asking for my representative to phone me and she has not. Today I also sent an email with a link to a dropbox folder than contains all of the documentation they 've requ... |
Plaza Home Mortgage loan modification,collection,foreclosure June 27, 2016 - Dear Sir, Madame, My Lender/ Servicer denied my request for help in any form of Loss Mitigation due to financial hardship caused by unemployment on two different occasions, the first one was last - -, - when my application to KEEP YOUR HOME CALIFORNIA was denied because my servicer, PLAZA HOME MORTGAGE has not approved my loan for participation in KYHC Program. The second denial was - -, - due to reduced income and not able to pay 12 monthly since - -, -. I missed payments because I have to pay the REAL ESTATE LAW CENTER which I hired last - -, to negotiates be... |
Plaza Home Mortgage loan servicing, payments, escrow account April 27, 2016 - In - 2016, I refinanced my mortgage with a company with a company called -, who brokered and funded the loan. At settlement I was directed to make the first mortgage payment to the mortgage link which I did. Shortly after the first payment went out I received a letter from Plaza Home Mortgage informing me that they had obtained the loan and that further payments were to be made to them. On - - I received a call from Plaza Home Mortgage informing me that I had not made my first month 's mortgage payment. I informed them that the payment had been made to the mortgage link and that th... |
Plaza Home Mortgage loan servicing, payments, escrow account March 3, 2016 - I made a payment to Plaza Home Mortgage on -/-/16. I received a confirmation number and a confirmation email. In - I was told by Plaza Home Mortgage that I had cancelled my payment on -/-/16 -. I did not cancel this payment. ( I find the time and the date of the cancellation very interesting. ) I received no confirmation number or any confirmation email that this payment was cancelled. Plaza home mortgage also states they tried to contact me to tell me of the cancellation. Plaza Home Mortgage called me on -/-/16 at - and I returned the call on -/-/16 but there ... |
Plaza Home Mortgage loan servicing, payments, escrow account February 24, 2016 - Plaza Home Mortgage , Inc. ( - - -, - -, - -, IL - ) used to service our loan before it was transferred to the - - -/-/-. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form - ( - ) for -/-/- to us. I called Plaza Mortgage -/-/- and was told that all forms were mailed by -/-/-. We received nothing. On -/-/- I sent Plaza Mortgage Customer Service an official request for the Form - via email. Today is -/-/- and we have not yet received the - tax form. Plaza Mortgage failed to respond to my written request. As a resul... |
Plaza Home Mortgage loan servicing, payments, escrow account December 22, 2015 - I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on -/-/-. The early payment was paid electronically on -/-/- and was processed on -/-/- according to my bank account. Last week -, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who iden... |
Plaza Home Mortgage loan servicing, payments, escrow account November 8, 2015 - I had an homeowner 's insurance claim around -/-/2013. The insurance company paid out on the claim totaling approximately $25000.00. A check was made out to myself and Plaza Home Mortgage. The servicer is claiming they have a right to keep half of this amount in a so-called restricted escrow account. PHM is stating I must complete repairs and have the affected area inspected by one of their representatives, however I can not rebuild the damage deck as I would have to come up with roughly $5000.00 in the gap between the pay-out and the actual cost to rebuild : about $30000.00. The d... |
Plaza Home Mortgage loan servicing, payments, escrow account October 13, 2015 - I have had a loan with Plaza home mortgage for several years. I recently sent a check to pay off the loan. The check was returned with a letter that states that they do not accept personal checks for final loan payment. The letter also stated that I was continuing to be charged interest on the loan. I also have a late fee because I did not make my payment on time. I have asked to have a copy of the loan contract that I signed stating that they will not accept a personal check for final payment. Phone conversations got me no where and I was told that there is no document that I signed that woul... |
Plaza Home Mortgage loan modification,collection,foreclosure September 10, 2015 - I submitted an appeal for a repayment Plan to my Mortgage servicer, Plaza Home Mortgage, the bank -. The appeal was because we added income. We are now being told we do not qualify and we can not understand why. We were advised to submit all income in the home for my spouse and myself. We understood that all income would be considered. Originally, I applied with my income only and now we are adding my wife and we do not QUALIFY. How could that be???? 1.The assumption is that I MAY HAVE NOT QUALIFY in the first place in - 2014 and therefore I am thinking this was predatory lending Plaza H... |
Plaza Home Mortgage settlement process and costs July 3, 2015 - My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in -, CA and the Mortgage Broker is Fast Direct Lending. My loan number is -. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till - - -, 2015 to rescind. I... |
Plaza Home Mortgage loan servicing, payments, escrow account May 13, 2015 - I previously complained about our escrow account. Plaza calculated our tax payment incorrectly. After receiving the complaint from the CFPB, Plaza did an escrow analysis and issued a partial refund. They closed out my complaint with the CFPB but they did the tax analysis incorrectly and calculated our tax payment at double what the actual taxes owed are. I called for a correction and was told it would be fixed before the - - payment was due and never heard back. Our monthly payment should be lowered. ... |
Plaza Home Mortgage loan servicing, payments, escrow account March 29, 2015 - We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime - which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal. ... |