360 Mortgage Mortgage Complaint

360 Mortgage Mortgage department,

VA mortgage Loan servicing, payments, escrow account Mississippi

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 hardship the representative -, who would initially ask me to submit an application ; which I did and she would in turn state I had 15 days to complete and return it with supporting documents such as bank statements. This happened 3 times ; which put my account further behind. - and her Manager - She then requested on the - day into the process to circle all debits and withdrawals that went towards my mortgage and expenses. This information was seen in the monthly statement as debit or withdrawal. This was a tactic that was unethical,


loan representative which monitors my loan -. The company has stated my funds were being held in escrow to pay for insurance and taxes. The company refused to allow me to independently pay my taxes and insurance. Which is now not fully paid as agreed on the Mortgage Note in my Loan Contract and my Insurance was paid before my annual taxes which should have been paid monthly due to my insurance service contract. The company sent me an agreement ( payment arrangement ) for my loan and stated my loan could not be modified and brought current even though I was 4 months behind at the time. The company has charged me " Default Related Charges and Other Charges and Fees '' even though this payment plan included all other fees.