OneMain Financial Holdings, LLC Mortgage Complaint

OneMain Financial Holdings, LLC Mortgage department,

Conventional fixed mortgage Settlement process and costs Tennessee

On -/-/-, My wife and I took out a 2nd mortgage loan with - Bank. After a few years, the loan was transferred to American General Finance, which was purchased by Springleaf Financial Services. Springleaf is where my problem started. I - was delinquent with my 2nd mortgage. Springleaf 's local office transferred my loan to the main office in -, Indiana, but only AFTER they paid off my first mortgage, which was with - Mortgage, without any communication with me at all. I only found out when I received an amended declaration from my homeowners insurance company dated effective -/-/-. I do n't think the way this was done, by stealth '', was legal, so consider this part one of my complaint. Then, I applied for modification of my loan with Springleaf three times, and was turned down each time, until I spoke with the man who was in charge of modifications, and told him that since my modification was


regarding the funds used to pay off - Mortgage ... no Settlement Statement ... nothing at all. In fact, I have NEVER received ANYTHING regarding this payoff. My contention is that since funds were advanced to reimburse Springleaf for the payoff of - Mortgage, the modification was actually a cash out refinance loan, and I received no RESPA documents ( settlement statement, etc ) and should have been given a 3 day right of recision, which I was not. My loan was transferred to - - -, against whom I have already filed a complaint with you - - # - -, and - is denying any culpability, since they are the servicer and did not actually do the loan. I sent - notice that I wanted to rescind the loan well before the 3 year time limit, and their first response was that the loan was from -/-/- and therefore not eligible to rescind, even though the modification was done -/-/- At any rate, the 2nd part of my complaint is the lack of RESPA and right of recision from Springleaf.