Resources for resolving common issues with 360 Mortgage products and services
You can reduce the number of unwanted calls from 360 Mortgage you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
360 Mortgage Mortgage loan servicing, payments, escrow account April 11, 2017 - pmi REMOVAL from loan. I am at 72 % loan to current ratio and amount of actual amortization that they would take PMI off and they refuse to do so. I know there is homeowner protection act to stop this. Can you help me.... |
360 Mortgage Mortgage loan servicing, payments, escrow account April 4, 2017 - To Whom It May Concern : My mortgage servicer, 360 Mortgage Group, based in -, T-, has failed to honor my valid request to have my PMI cancelled under the Homeowners Protection Act. They are attempting to overlap a separate - " two-year seasoning '' rule to deny the cancellation. I can meet all the requirements under the HPA, however. See a portion of the second e-mail request ( awaiting an official response ) I submitted on -/-/- below : " Attention : Escrow Department and - ( Customer-Service Manager ) After consulting with an agent from the Consumer Protection Financial Bure... |
360 Mortgage Mortgage loan servicing, payments, escrow account March 28, 2017 - 360 Mortgage has made several billing errors regarding my loan -. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of $100.00. My loan was on a repayment plan from - through -/-/2015. The representative 's - and - stated it was due to the company having to send someone to my house to verify residence. I asked the representative 's to submit me proof or remove the charge from my statement and they stated they could not. The company has contin... |
360 Mortgage Mortgage loan servicing, payments, escrow account March 28, 2017 - 360 Mortgage has made several billing errors regarding my loan -. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of $390.00 and " Other Charges and Fees of $120.00 ''. The company denied me a refinance under the VA refinance loan program or the ability to modify my loan after I submitted multiple applications and request after having a financial hardship and the death of my mother in -/-/2016 of -. The after speaking with me initially about my... |
360 Mortgage Mortgage loan servicing, payments, escrow account January 3, 2017 - We purchased our home in -. We had 7 % as a down payment and PMI was a requirement for our loan because we had less than 20 %. In -, we refinanced our loan with HARP as we were " underwater '' but still wanted the benefits of a better interest rate. There was not an appraisal required - the mortgage company based our home value off of what they felt were comparable sales and gave us a value we knew to be far lower than our actual value, but we were assured that did not matter. PMI was again required with this new loan. Right now, 3 years and 10 months after our HARP refinance, we have... |
360 Mortgage Mortgage loan modification,collection,foreclosure January 3, 2017 - This is the second complaint I have filed related to - Mortgage. While some of the information is still being disputed from the initial complaint involving wrongful foreclosure there is very material new information which is the basis of the new complaint. Specifically, today I received a large package of information from -. It does include an updated escrow analysis and payment amount. However, there is no mention of why it is just now being received. Nor, is there a mention as to why the prior statement was sent - after receiving payoff funds - still showing I owed over $4700.00 in ... |
360 Mortgage Mortgage loan modification,collection,foreclosure December 26, 2016 - 360 Mortgage Group repeatedly failed in basic duties owed to me. They acted in bad faith and failed to exhibit fair business practices. - The problems all started in early 2016 following a gross over-payment of property taxes by 360 Mortgage. My county wrongly charged a punitive tax rate and 360 paid accordingly. Following the payment 360 on or about - 2016 increased my monthly payment by over $900.00. At that time I immediately told them I could not pay the extra amount and also let them know I was disputing the tax rate with the county. 360 began reporting my mortgage as not paid and d... |
360 Mortgage Mortgage settlement process and costs December 7, 2016 - The 360 Mortgage Short Escrow Account Disclosure shows that the 2016 second quarter payment actual was $1000.00 ( Attachment 3 ). The - Treasury ( Attachment page 1 and 2 ), Attachment page ( 2 ) two indicates that the total payment made by 360 Mortgage amounted to $580.00. As a result the escrow account payment due to me, is $450.00 short.... |
360 Mortgage Mortgage loan servicing, payments, escrow account September 24, 2016 - I had refinanced my loan with 360 mortgage but they keep reporting negative information to the credit bureau, the loan was paid in full before it was 30 days delinquent. Yet they keep reporting that it was late and it has dropped my credit score by - points. I have called them numerous times and they say to dispute the charge through the credit bureau. I have done this twice. The first time the issue was fixed, then all of a sudden they reported that the account was late again so I have to dispute a second time. When I call them they offer no assistance even though they know they reported t... |
360 Mortgage Mortgage loan servicing, payments, escrow account September 21, 2016 - My mortgage was paid in - -/-/2016. I was due an escrow refund of over $2100.00 no later than -/-/2016. It has not arrived as of -/-/-. I am told it was mailed on -/-/2016, but with no - tracking. I am extremely frustrated that nothing would be done to provide my own money back to me without it taking another 7-10 days. I demanded ACH back to my account, but they refused. It is unfair, sloppy, and I highly resent the nonchalant, cavalier responses I received when I was told that nothing else can be done but " wait some more. '' The RESPA law states that it SHALL be refunded ... |
360 Mortgage Mortgage loan servicing, payments, escrow account September 13, 2016 - Timeline of events regarding complaint against 360 Mortgage Group and the enormous $540.00 increase in mortgage payment due to 360 Mortgage Group negligent error in projecting escrow funds. -/-/- loan was re-financed/originated with 360 Mortgage Group by consumers. - County taxes were paid in the amount of $1600.00. At that time the balance was already paid by the title company involved in the re-finance, this resulted in a negative balance. - County taxes were paid in the amount of $60.00, as this was the difference due following the - over payment and change in -... |
360 Mortgage Mortgage loan modification,collection,foreclosure July 19, 2016 - We applied for a mortgage modication through our mortgage company. We sent in applications for - type of modifications. - application was through the HUD website and the - was from the mortgage company. - were rejected for additional information which was the whole modification package plus more information. It was very clear we were getting the " Run Around '' They told us the application was blank in certain areas and items were missing. The application was not blank and was scanned and emailed to the mortgage company as well as sent by priority mail via the post office. We compl... |
360 Mortgage Mortgage loan servicing, payments, escrow account June 9, 2016 - I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer. ... |
360 Mortgage Mortgage loan modification,collection,foreclosure November 4, 2015 - 360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified. ... |
360 Mortgage Mortgage settlement process and costs October 8, 2015 - I am a - Veteran, using my VA loan. I purchased this house in -/-/-. The house came with a separate lot, that has nothing on it, with a separatelot # and legal description. My intention was to sell this lot to pay off bills. When Itried to sell it, the mortgage company said I had to own it for one year before Icould sell it. -/-/-, I refinanced at a lower interest rate, and to sell the lotright away. I have many emails from 360 mortgage saying that after we refinanced, we could sell it right away. On the day of signing the new papers for mortgage, Ihad to call 360 mrtg to ensure t... |
360 Mortgage Mortgage loan servicing, payments, escrow account April 23, 2015 - - -, - I wrote them a letter stating that I wanted to remove my PMI. I waited a month and after receiving no response, I called them. They informed me they had not received my request. I emailed them my request and again, no response. I called again and they responded within the week ( - - ) via email informing me they would be sending my request to their appraisal department for them to provide me with some options for appraisers in my area. When the list is provided, please order a complete interior/exterior appraisal with comparable properties included. When you have receive... |
360 Mortgage Mortgage loan servicing, payments, escrow account April 2, 2015 - 360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in - from - Bank instead there were - debit transactions made - from my - account and - from my -. I was charged a $36.00 Insufficient fund fee from - for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my - mortgage payment. ... |