Loan modification,collection,foreclosure Review

Review and analysis of over 90,915 consumer complaints

Best Loan Modification,Collection,Foreclosure Companies

Standard Mortgage Corporation
Northwest Trustee Services, Inc.
Alabama Housing Finance Authority
CMG Financial
East West Bank
Investors Bank
New American Funding

Worst Loan Modification,Collection,Foreclosure Companies

GE Capital Retail
BWW Law Group, LLC
360 Mortgage
Trustmark Corporation
Charles Schwab Bank
Synovus Bank
United Guaranty

Most Loan Modification,Collection,Foreclosure Complaints

CompanyComplaints
Bank of America22,771
Wells Fargo13,399
Ocwen9,100
JPMorgan Chase8,086
Nationstar Mortgage5,563

History Loan Modification,Collection,Foreclosure Complaints

New Loan Modification,Collection,Foreclosure Consumer Complaints


Wells Fargo & Company Mortgage loan modification,collection,foreclosure

April 12, 2017 - Ref : CFPB Case - I have alleged fraud in Wells Fargo 's treatment of my mortgage problems in the above captioned case. Wells Fargo appears to be trying to extend their reply to after the sale date of my home. This would result in a sheriff 's sale of my home and the rendering of my appeal alleging fraud moot....

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

April 12, 2017 - In the process of my divorce in -/-/- my ex insisted that as I was to be awarded the home the mortgage was to be in my name. The home was refinanced through - under the guise that it would be in my name only. My ex told me years later he knew before signing the documents it would not be in my name as I had no credit or employment history at the time. I wasnt aware of this until after the final papers were signed. The mortgage was taken out after we were legally separated but before the final divorce documents were signed. His name is the only one that shows on the paperwork, ( loan ...

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Wells Fargo & Company Mortgage loan modification,collection,foreclosure

April 11, 2017 - The house is supposedly has a Sale Date. I 'm using agency to help me. But I do n't understand neither the Agencies or the Bank with Mortgage. I 've turned in all the paper requested. But I 'm very confused not getting any help or answers. And at this point I 'm desperate do n't know what else to do!...

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Banco Popular de Puerto Rico Mortgage loan modification,collection,foreclosure

April 10, 2017 - Let me start stating that this is the third time that I submit a complaint against Banco Popular de Puerto Rico. I own an apartment and unfortunately the financial institution that first gave me the mortgage does not longer exists. Because the economic situation in - my apartment cost less than the amount I own to the bank and they said they can not offer me a refinance option. I got a letter on -/-/2015 stating that the only option I had was to contact lost mitigation, which I did. The person that evaluated my case told me that I was not eligible for a modification to my mortgage because...

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Alabama Housing Finance Authority Mortgage loan modification,collection,foreclosure

April 9, 2017 - We signed a mortgage on -/-/- and moved into our new home that weekend. In -/-/-, my husband was - and was released. Then in -/-/- he was injured on the job. He went out on injury leave and our true hardship began immediately as he had no remaining sick time. After months of back and forth, an - was finally done and it was determined that he had a - that would require - at some point. In -/-/-, he was let go from his job and we hired an attorney to help us seek a " lost wages '' settlement since NC law states that all work injuries must be slip and fall or vehic...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

April 7, 2017 - to whom it may concern ; i 'm writing this note because i 'm looking for some guidance in dealing with a situation which i 'm unfortunately stuck in and can not seem to extricate myself from. I started a mortgage modification process with - almost 2 years now. while going through the modification process, - apparently sold my mortgage to Shellpoint Mortgage Servicing with a P.O. in - MI. I was n't very comfortable with how the process was proceeding so I requested to resume my payments to avoid further delinquency while we get the modification finalized. they returned my payments st...

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U.S. Bancorp Mortgage loan modification,collection,foreclosure

April 7, 2017 - We are a HUD approved foreclosure counseling agency and we are working with a client to try to get her loan modified. We submitted a work out package and have had issues from this company in getting this file for review, giving us one excuse after another as to why this is not moving forward. At one point I was told by one of the representative that it was not unusual that it was taking so long that it could take up to a year ( a prior complaint was sent on this company to CFPB ). We recently received a denial letter stating client did not qualify for any modification program. They listed the ...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

April 7, 2017 - I have been paying off the interest plus additional funds every single month on a home equity loan. Around -/-/-, I found out I had - and knew that the principal on my loan would be coming due the beginning of -/-/2017, I contacted the - loan company to find out if I could modify all or a portion of the loan when it came due so that I could pay off some of my medical costs. I was told by them to wait because the loan was sold and the new company would probably offer me better terms. I was undergoing treatment for some - and finally contacted Shellpoint Mtg. Early fall, I was t...

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U.S. Bancorp Mortgage loan modification,collection,foreclosure

April 6, 2017 - After waiting for over a month, I received a response from US Bank regarding my complaint with you. Once again, they neglected to provide any answers. I 'm attaching the response letter with this complaint. As you can see the response letter is pretty generic where there telling you and what income they used as well as the expenses they used to do their calculations. I had asked for NPV data they used to review my loan for modification. As per treasury guideline, they are obligated to provide me the NPV data used for review. U.S. Bank has been giving runaround and putting me further and furt...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

April 6, 2017 - Hi I 'm writing to complaint about Shellpoint Mortgage company. We are try to do a loan modification I through everything was going fine .I would call every 2 day to check on my loan I got no call back or your loan steel being processed. A few days ago someone from a Realtor company came to my house. Say we have to sign a paper a be out in 30 days. NO WORD FROM MY MORTGAGE COMPANY ABOUT THEY WAS SELLING OUR HOUSE .I HAD TO got To COURT HOUSE TO SEE WHAT WAS GOING ON. THEY NO ANSWER. NOW. HAVE TO A LAWYER .PLEASE HELP ME TO UNDERSTAND WERE I WENT WRONG. SO disappointed In My MORTGAGE COMPANY...

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MidFirst Bank Mortgage loan modification,collection,foreclosure

April 6, 2017 - Do to wage loss- we fell behind and currently have a foreclosure date of -/-/-. Midland Mortgage has not been very helpful w/ providing assistance. In -/-/-, the rep said my only 2 options were 1 ) pay the balance in full or 2 ) get a short sale. Not until I called in -/-/- w/ a HUD Counselor that they considered another option of partial claim. After applying & weeks of waiting- now they have stopped processing because my income is insufficient for partial claim. It should not have taken 3 weeks to review my pay stubs to determine that .... before making me gather all my bills,...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

April 6, 2017 - I refi last year with -, at COE they stated on there title that the 2nd partial claim would be removed, closed escrow. Now tried to go back and lower rate and finding out that -, which is underwriting by -, is showing the 2nd is first position now putting us in a position of not being able to get any at shellpoint to help us out, the 2nd is also now showing in first position but title insured only shellpoint on the property in first position. This is causing us to have to possibly sell our property due to this huge error. Please advise. Thank you....

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Stonegate Mortgage Corporation Mortgage loan modification,collection,foreclosure

April 5, 2017 - I fell behind after starting my own business I fell into foreclosure but fully reinstated and I was on track again. Few months past and I got injured working mind you I am running my business alone. I fell behind on my payments the house went into foreclosure I kept saving money to reinstate. I applied for a workout packet to see it I qualified for a loan modification or some sort of assistance. Well in the interim a sale date was placed on the house so this now becomes a very time sensitive matter. I sent in all required information even though I was after the dead line of 10 days before sale...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

April 5, 2017 - I have had a loan with -. I have been 60 days overdue, but making the current payment for several months. I was told by - that I needed to call on the 1st of the month every month to make the payment. When I called this month, I was told the loan had just been sold and to contact the new lender, Shellpoint Mortage. I never received any information regarding the sale of my loan prior to -/-/2017 the date of my loan sale, and have not received anything to this date, -/-/2017. I have contacted Shellpoint who does not know who I am. They have told me IF the loan was sold to them, wit...

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Quality Loan Service Corporation Mortgage loan modification,collection,foreclosure

April 5, 2017 - My lender wants to foreclose on my home but have refused to provide a payment accounting statement and proof that my loan was sold to them in accordance to the Fair Debt Collection Practices Act. Last week they posted a Notice of Default - ( a stack of papers at my front door containing my loan number and personal information ). I feel like they are trying to embarrass me. The papers stated that they do not have a valid phone number for me but that is a lie because I have been talking to their insurance department. My water heater leaked and caused water damage, Seterus held on to the insuranc...

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Select Portfolio Servicing, Inc Mortgage loan modification,collection,foreclosure

April 2, 2017 - - -/-/2017. Initiated contact with SPS loan modification. The approval letter stipulated a payment of $1200.00 is required for 3 months, on -/-/-, -/-/- and -/-/- to be considered for a permanent modification. -/-/2017. Emailed & called SPS Relationship Manager - regarding questions about offer letter. She never responded. -/-/2017. Initiated call with SPS Representative - ; explained that due to my financial hardship I could n't pay rent late in my family 's current residence, as well as bounce bill payments as a result of paying the mortgage on the -. I c...

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Bank of America Mortgage loan modification,collection,foreclosure

April 1, 2017 - Bank of America has put my home into foreclosure eventhough I was supposed to receive a modification package. Furthermore a Bank of America and it 's contractor caused damages to my home....

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Select Portfolio Servicing, Inc Mortgage loan modification,collection,foreclosure

April 1, 2017 - My name is - and my complaint is against Select Portfolio Servicing , Inc, my servicer in my loan No. -. Select Portfolio Servicing , Inc, started foreclosure proceeding against my homestead property with totally unclean-hands and fraudulent documentation as you can see in the attached documentation. Foreclosure Case No. - placed in - County Florida, has been enter into court with fraudulent note, fraudulent adjustable rate ride and fraudulent correction/Modification of Mortgage never signed but executed them by Plaintiff and enter them as Exhibits in my foreclosure case. I closed ...

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American Advisors Group Mortgage loan modification,collection,foreclosure

April 1, 2017 - I had $20000.00 damage to my home last -/-/-. It was winter and very cold. My doors and windows were covered with plywood so I withdrew my meager savings to begin repairs. Friends and family pitched in to help me with repairs and money. - refuses to release my money until I produce " paid in full '' receipts from the contractors who gave me estimates but did n't actually do the work. They are holding a $16000.00 insurance check. I understand that there is a process but how can I reimburse or pay anyone when I have no money? I 'm - years old, all of my savings are gone and I live...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

April 1, 2017 - - - To : CFPB On -/-/- my father past away due to a - and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already - - dollars in late fees. I reach out to Green tree to start the loan modification because of financial hardship. A few months later Green Tree sold the loan to Ditech Financial - ACCT # -. Ditech sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial informatio...

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Bank of America Mortgage loan modification,collection,foreclosure

April 1, 2017 - we had one of the countrywide loans which was an interest only equity loan, at 2 % that originated in -. the bank was Bank of America. around -, my now ex husband and I started divorce procedures. he was refusing to sign off on the loan or be part of a modification. since the bank would n't modify the loan with just me on the more, and refused to accept payment, I was stuck and the loan went 5 years being unpaid until - came around in -. they explained that they were going to forclose on the note and would not offer me any help to modify and or allow me time to sell the house. I ha...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

April 1, 2017 - We submitted for a loan modification and every day we asked if there was a sale date. Just last week we were told that there was a foreclosure sale date on on -/-/- 2017. We have to work with an assigned loss mitigation representative at Shellpoint mortgage and her name is - - which is never in the office. We have been submitting the same document ( Annual HOA bill ) for weeks and now she says it does n't state if it annual but clearly at the bottom of the page it does. Everyone we talked to said it met the requirement and were very helpful with what they thought we should do so we ...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

March 31, 2017 - CFPB complaint Filed -/-/- Case # ShellPoint - - -, - CA - - said that it will be a big problem to do a short sale for a homeowner that does not have separate business bank statements, no business name, and have not filed taxes for - and -, and therefore underwriting will likely require the homeowner to file taxes for - & -. I told ShellPoint that the homeowner is a sole proprietor - there is nothing wrong or illegal about this. Therefore a separate business 'name ' and 'bank statements ' are not necessary. The homeowner has also already provided a written an...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

March 31, 2017 - I have an ongoing issue with Ditech regarding loan # -. Since their initial response to my loan modification on -/-/-, they have assigned me to three of their staffers. The most recent, - has not returned four calls I have placed. I have received a letter from them asking for all new documentation which is totally un-necessary and a further attempt to have me go away. This loan indexes to a 20 year term in several months. They have all the documentation they need except for current bank balances and some rental leases which - claims were not signed but he never advised me which l...

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Select Portfolio Servicing, Inc Mortgage loan modification,collection,foreclosure

March 31, 2017 - I asked for a loan assumption since my husband died -/-/2011 and the mortgage was in his name only and I wanted to start a loan modification process. I was denied as a widow....

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U.S. Bancorp Mortgage loan modification,collection,foreclosure

March 31, 2017 - I was sent to foreclosure prematurely. My mortgage company denied my loan modification ( mid - ) and also a repayment forbearance. When I questioned why the forbearance was denied I was advised by the manager ( - ) that it was due to my income. - reviewed the income information with me and found that the underwriters did not include both of my jobs when making their determination. She instructed that I immediately file an appeal. I filed the appeal ( -/-/- ) and it was denied ( -/-/- ) and at that point I was sent to foreclosure. I again spoke with the same manager who advis...

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Bank of America Mortgage loan modification,collection,foreclosure

March 30, 2017 - In - my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in -/-/- we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In -/-/- a second was taken out which was a joint loan and therefore changed title on property. After finalizing the refinance in -/-/- a loan agent approached...

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Shellpoint Partners, LLC Mortgage loan modification,collection,foreclosure

March 30, 2017 - We hired a realtor to handle all aspects of this transaction and currently, have a contract pending to sell our home as a Short Sale. Closing date of -/-/-. Shellpoint Mortgage Servicing sent our agent the 'Agreement to Release Collateral Interest ' stating that Shelllpoint obtained approval to release interest for the amount less than the total due on loan. The terms did not include a 'waiver of deficiency ' or statement waiving the right of the investors or Shelllpoint to collect that deficiency in the future. Because of the future liability, we contacted Shellpoint to request modificat...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

March 30, 2017 - the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragrap...

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Bank of America Mortgage loan modification,collection,foreclosure

March 30, 2017 - I had a modified mortgage in - and my payments kept going up and I was having trouble making those payments. I am a -, I could be working one day and out of work for 8 months. This job is very unpredictable. -/-/- I was given a forbearance loan and made all the scheduled payments. I did not realize it was for only for 12 months. I made the payment in - and -/-/- at the forbearance rate. I tried making -/-/- payment and was told I was in foreclosure since -/-/-. I have not received any notice of foreclosure. They said I have to " repay '' the overdue balance as stat...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

March 30, 2017 - -/-/- To CFPB File chapter - bankruptcy on -/-/-. Repayment plan confirmed on -/-/-. During confirmation, the lender, -, was holding a junior lien on my residence. Plan confirmed that Junior Lien will be stripped off because the value of the real estate is much less than the amount owed by the first mortgage. Chapter - discharge order was submitted on -/-/- and sent to the lender. Recently, trying to refinance my first mortgage for better terms, the closing agency found a lien still open against my property from the lender in question. I am being calling the l...

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M&T Bank Corporation Mortgage loan modification,collection,foreclosure

March 29, 2017 - The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation -, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation -, 12 C.F.R. 1024.41 ( c ) ( iv )....

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Aldridge Pite, LLP Mortgage loan modification,collection,foreclosure

March 29, 2017 - My house has already gone through the process of foreclosure. I was notified by my insurance company that - requested to be added to my insurance account just a few days ago. Afterwards, I contacted - and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show - and others holding my title at this time, and I was never notified. The filing process started back in -/-/2016. Please see documents attached....

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Bank of America Mortgage loan modification,collection,foreclosure

March 29, 2017 - My wife and I got a HELOC from Bank of America in - that had a 10 year draw period with no interest. Our payments fluctuated every month and reached more than $4100.00 a month in -. We applied and got approved for a HELOC loan modification in - with our payments reduced to $1800.00 a month. We made the trial loan modification payments on time every month and Bank of America was scheduled to send out a permanent loan modification package. We never received the loan modification package until we asked BoA to send the package again. By the time we received it, we did n't have time t...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

March 29, 2017 - We got into a - loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO YEARS....

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Bank of America Mortgage loan modification,collection,foreclosure

March 29, 2017 - My husband and I refinanced our home in -/-/-, so we could get a lower interest rate. So, after my husband setting up this meeting to sign the papers and in trusting the agent that came to our home and the bank my husband set this up with, we signed and got a lower rate. In -/-/-, my husband and I separated and he moved out, so called the bank to see about making partial payments until I got a full time job, then I would be able to make the full payment. The bank at that time told me to call back in a couple of days so I did. When, I called back in a couple of days, they told me the ...

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Banco Popular North America Mortgage loan modification,collection,foreclosure

March 29, 2017 - , Big problem here. Went bankrupt in -, discharged, home not reaffirmed. My Uncle lived in it until his death in -. I have been trying to negotiate with bank ; it is a Home equity loan only, no first mortgage. They first accepted a offer and I was ready to go but my attorney never got back to me in time, then the person I was working with left the bank for another job. Fast forward to today, I again made the same offer, they will not accept, will not foreclose, will not deed it lieu ... nothing. The house is in a very, very crime ridden area, run down and will be worth nothing soon. I ...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

March 28, 2017 - We are a non profit counseling agency in -, we submitted a a loan modification package to Ditech Financial on -/-/2017, Ditech 's representative stated that the loan modification was under review and it will take them 5 days to complete the review. I called on -/-/2017 and I was told that they needed another 5 days to complete their review. Today -/-/2017 I was told that there was no update from underwriter or representative working on the case. The client received a court notice ( to appear in court -/-/2017 ). The lender even told me that they will continue the foreclosure process...

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U.S. Bancorp Mortgage loan modification,collection,foreclosure

March 28, 2017 - I applied for a HAMP loan modification in either -/-/- or -/-/-. The reason for the request for loan assistance was due to the fact my husband - in -/-/- leaving me and my - young children with no life insurance. We were unprepared for his -. After this event I want to keep my children in as stable environment as possible. I put in my package to US Bank ( - ). I stayed in touch with him, provided all documents requested and was told the file was complete. In -/-/- I received a letter ( dated -/-/- ) saying we were thrown out of loan mitigation saying I o...

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Umpqua Holdings Corporation Mortgage loan modification,collection,foreclosure

March 28, 2017 - My mortgage lender Umpqua Bank has engaged and conducted an illegal foreclosure sale. Umpqua Bank has failed to follow the guidelines and policies and procedures that MUST be followed when servicing a government insured FHA loan. A denial letter that was received indicates that if an appeal is requested, that there is a 30 day appeal review period, and Oregon and federal law prohibits a foreclosure sale to be conducted prior to the expiration of this appeal period. However, Umpqua Bank and law firm - neglected to consider this and moved forward with and conducted an illegal foreclosure sale...

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Select Portfolio Servicing, Inc Mortgage loan modification,collection,foreclosure

March 28, 2017 - I applied for a loan modification on an adjustable rate mortgage in -/-/- due to getting injured on my job and having a curtailment of income. I 've been compliant to the all of the request made by SPS and I 've received seven letters stating that all of the documents have been received and are perfected and that SPS will send the file to an underwriter for review. The underwriters are n't reviewing the documents that are being sent and requesting the same documents again. On -/-/- SPS requested clarification on paycheck stubs to determine if I get paid every two weeks or twice a mon...

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Citibank Mortgage loan modification,collection,foreclosure

March 28, 2017 - I have been trying to sell my home on a short sale for 2 years.. I have had so many home specialists I cant count them. I have had 3 very good contracts on my home and Citi stalled so much all the buyers left.. I now have another contract on my home and Citi is requesting all kinds of information they already have....

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Select Portfolio Servicing, Inc Mortgage loan modification,collection,foreclosure

March 28, 2017 - In -/-/2017, I applied for a loan modification with - which was my lender, all required documentations was submitted, as well as the trial payment that they required were sent and collected by them, on -/-/2017 I received a phone call from - saying " Congratulations! we have received the trial payments and all documentations is already completed, you should be receiving the modification agreement next week, do not sent any mortgage payments until you receive the modification agreement reflecting your new mortgage payment, you need to sign them and send them back '' ; at the same time...

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Wells Fargo & Company Mortgage loan modification,collection,foreclosure

March 27, 2017 - - - -, MN - - : Wells Fargo Home Mortgage Modification I am in receipt of Wells Fargo Home Mortgage 's responses to : Myself ; The Minnesota Attorney General 's Office ; and The Consumer Financial Protection Bureau regarding my extreme opposition to Wells Fargo processing of home modifications and foreclosure processes. Attached is a chronological itemized list of events and supporting documentation regarding my account with Wells Fargo account from - - to present date. Wells Fargo 's response only includes documentation that attempts to support their position and intent...

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Wells Fargo & Company Mortgage loan modification,collection,foreclosure

March 27, 2017 - In - my wife, -, and I obtained a Pick-A-Pay mortgage from - which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In - Wells Fargo Bank consented to a special loan modification - - - to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The - would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sha...

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Citibank Mortgage loan modification,collection,foreclosure

March 27, 2017 - Citibank is reporting a negative foreclosure and balance every single month. This is erroneous and they are affecting my credit & financing....

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U.S. Bancorp Mortgage loan modification,collection,foreclosure

March 27, 2017 - I am having a problem with US Bank who is refusing to negotiate in good faith and continues to change the guidelines and rules for assistance. This is leading me into foreclosure even though I am in a position to afford my current payment. US Bank continues to make errors in the financial calculations, provides conflicting reasons for denial and is changing and disregarding the rules in order to deny me all options for assistance. I am a gainfully employed - ( - - ) and I take care of my children in this home. What US Bank is doing is WRONG AND UNETHICAL. In -/-/-, I acquired my...

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Citibank Mortgage loan modification,collection,foreclosure

March 27, 2017 - I spoke with a representative @ CitiMortgage on -/-/- who advised no additional documentation was being requested. I spoke with another rep today who stated a letter requesting additional documentation was sent out on -/-/-. The rep from -/-/- provided inaccurate information. On -/-/- we were over 7 business days from the -/-/- scheduled foreclosure and could have provided the required docs. Now we are under 7 business days from the foreclosure due to the rep providing inaccurate information....

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Wells Fargo & Company Mortgage loan modification,collection,foreclosure

March 27, 2017 - Wells Fargo took out reverse mortgage on a rental property I had instead of on my home, which I needed one on to pay mortgage and to remove husband 's name from it per divorce. This eventually forced me to move to that house, and my ex husband filed lawsuit for contempt!!! So I was forced to sell my long time home and move to unsuitable property that I could not - ... All because of predatory reverse mortgage. The salesman came to my home twice ... .Knew it was my beloved home. Then at " closing '' - strange unprofessional men I never saw before came to my home ... .When I changed mind a...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

March 26, 2017 - I am writing to cfpb to get help with my home I have a loan with ditech since 2001 who is a predatory lender. They will not work with me on loan. The original loan was - in 2001 they have my payoff as -, It is a manufactured home the county only value the property at -. I think the contract is invalid did not do a lot of stuff promised to us in the contract. I do not want to lose my property. My parents gave me the land that the house is on. Please help me to keep my property I have been trying to get help for years. Thanks...

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Citibank Mortgage loan modification,collection,foreclosure

March 26, 2017 - Citimortgage has consistently for more than 3 years lost documents, required innecessary documents ( birth certificates ), ran credit checks during modification processes. They have refused modification due to " irreconcilable differences '' and refused to give an exact reason for modification refusal. Did however state that it has nothing to do with my ability to pay my mortgage. In -/-/- we were transferred over to - different " mortgage specialists '', and in -/-/- we were transferred over to - different " mortgage specialists ''. Each time it was requested that we submit pa...

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Bank of America Mortgage loan modification,collection,foreclosure

March 24, 2017 - I had a loan with Bank of America for roughly $1600.00 a month, then experienced I a job loss due to the economy. I applied for remodification and became employed again during this application process. BOA kept stating that the documentation that I was sending was out of date range or that they did n't receive it or that it came through but was legible. Basically they were stalling the remodification process. My boss even got on the phone with them at one point because he saw what they were doing and said he witnessed the paperwork being sent on multiple occasions. Later I read in the news t...

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Wells Fargo & Company Mortgage loan modification,collection,foreclosure

March 24, 2017 - Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation -, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you...

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Loan Care Mortgage loan modification,collection,foreclosure

March 24, 2017 - I recently contacted - approximately on or about -/-/- to request an affordable Home Modification Plan as a result of circumstantial medical hardship. - approved/granted me a Trial Modification Plan on or about -. Trial Modification period was for -/-/-, -/-/-, and -/-/-. Surprisingly, in the middle of the Trial Modification Process, the new Bank, LoanCare made contact with me by letter on or about -/-/- to inform me that my mortgage loan had been transferred. Confused, I contacted the bank, LoanCare with questions and concerns regarding the security of my hom...

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M&T Bank Corporation Mortgage loan modification,collection,foreclosure

March 23, 2017 - I my home was wrongfully taken from me and I have written you all several times...

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Round Point Mortgage Mortgage loan modification,collection,foreclosure

March 23, 2017 - Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for $120000.00 and has gone up to $210000.00. The - information is wrong, the loan was sold to a private investor and serviced by different loan servicers : - - - and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed....

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

March 23, 2017 - On - -, 2017, Ditech denied the Home Affordable under the HAMP Program claiming that the 31 % is less or equal to 31 % of the gross income. Pursuant to the - servicing Guide published on - -, 2017, servicers are required to include the monthly payments for all Heloc. Thus, the housing debt ratio must included the following : Principal & interest Taxes & Insurance HOA dues The principal & interest, taxes and insurance included for the fist lien : 1. $660.00 Second lien ( HELOC 2. $580.00 HOA dues 3. $210.00 total Housing expense $ $1400.00 divided by monthly verified inco...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

March 23, 2017 - My wife was laid of in - of - and we applied for a loan modification through our mortgage company, Ditech, in -. All documentation was received and cleared by them in - of -. We were instructed by Ditech that it would take approx. 60 days to review the information and get back to us with the decision. It is now -/-/- and I have called Ditech many times with no resolve. Each time I have called a representative states that it is still being reviewed by underwriters and to call back next week. This is until last week on Friday -. I have called 3 times and it does not connec...

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Bank of America Mortgage loan modification,collection,foreclosure

March 22, 2017 - We are disputing Bank of America 's response to our inquiry via the Consumer Financial Protection Bureau under case # - dated -/-/-. The bank 's response of - - - is not providing an explanation as to why the property was not included in the Department of Justice settlement with Bank of America. In the very least, the criteria for qualification should be explained as to rule out the possibility of an error. As previously stated, all other properties owned by us at the time qualified for the settlement. The representative handling the case advised that the bank would procee...

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Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure

March 22, 2017 - A loan modification package has been submitted to the lender for loan modification review/assistance - the lender has refused to postpone sale set for -/-/17 to allow the review to take place....

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