Lender Live Mortgage Complaint

Lender Live Mortgage department,

VA mortgage Loan servicing, payments, escrow account Tennessee

I am writing a formal complaint against - - - and LenderLive. I closed on my home through a VA Loan on - -, -, through - - - ( - ). - started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On - -, -, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " - '' and represents - - -. I voice that the call sounds like a phishing attempt as I have never received a call like this. - threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with - 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On - -, -, I received a letter dated - -,


to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " - '' made the call on - -, -, and confirmed he would review the - - phonecall. I asked what relationship LenderLive has to -. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from - dated - -, -, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names - - -, -, and CENLAR. My concern with - is that my VA - is being set up to fail by a mortgage servicer with numerous complaints and - ( - ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of - - - and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.