Home Point Financial Corporation

2018-01-09

Dunedin, FL

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-28

Stevenson, MD

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Able to pay part of an offered agreement to bring me up to date on my mortgage. However, part of the offer includes paying two mortgages for the next three months. This is impossible for me because doing so would be using my entire monthly income. I would not have even a dime left to cover all other living expenses. Please advise. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-20

Windsor Castle, PA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-14

Cinnaminson, NJ

Closing on a mortgage

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-07

Hillside, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-28

OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My wife and I have been separated since XXXX and we hold title to our home jointly. She just recently filed for a chapter XXXX bankruptcy and it was XXXX this month. All while this was going on I continued to make payments on time and was told there would be no issues as long as I made the payment. I belong to a credit reporting company and saw that my credit dropped significantly so I checked and XXXX XXXX reported I was 30 days late so I got on their website to check this out because I had not missed any payments, I noticed they were also charging me legal fees of {$740.00} and a filing fee of {$180.00} for my wife 's bankruptcy which I was never notified of either. Spoke to them and they are supposed to fix the credit violation they said it was their error but as far as the charges go they said someone had to absorb the legal fees and filing fee and that my monthly payment would change to absorb those fees. I spoke to a local bankruptcy attorney and he told me he had never heard of such a thing occuring. The only help I received from XXXX XXXX was that I was given an email address to contact them that came back undeliverable. Why when I was on the phone with their customer service representative? Everything that I have read is that this is not legal. Looking for answers because I cant get any from them and nor do I trust them. These charges were added to my account XXXX and the missing payment they reported was XXXX. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-15

Stilesville, IN

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: XXXX behind on mortgage due to loss of job and death in the family. Started modification process in XXXX XXXX. Every month since then they say that I am missing paperwork and to resend. I resend the missing paperwork and they continue to say that they did not receive it. I have all fax confirmations showing where the paperwork was sent in. I reached out the XXXX XXXX XXXX XXXX to help out with my FHA loan modification. They are running in to the same issue as me. They keep saying that they are missing paperwork. I showed all fax confirmations to the legal clinic. They were told by the mortgage company that they " may '' have the paperwork, but to resend it again so they do n't have to search. I was told that during the modification process the foreclosure would be stopped until a decision was made. However ; I received a notice of sheriff sale today for XXXX XXXX. I call on a daily basis to check up on the process and I always have to leave a message for " XXXX XXXX '' who is on an extended leave. Her voicemail says it is being checked daily and that all calls will be returned within 24-48 business hours. However, they never call back. Then when they do actually decide to call me, it 's only to inform me that all of my paperwork has " expired '' and to fill out and send in all the documents again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-13

Springfield, IL

Trouble during payment process

Mortgage: VA mortgage

Complaint: XXXX XXXX XXXX To whom it may concern, the VA does not require an Escrow so your information is incorrect. It is the lender that is requiring an escrow account. I have spoken with multiple representatives at the VA in Washing DC and they have confirmed that VA does not Require an Escrow Account. I have also provided information in writing that the VA does not require an Escrow in my Recent Email to XXXX XXXX in your customer service department. Also your company has reported incorrectly on my payments for XXXX XXXX payment as your correspondence states. We mailed payment on XXXX XXXX XXXX. In XXXX XXXX we made two payments one on the XXXX and one on the XXXX of XXXX XXXX. But you show me being late. Please correct your reporting to the Credit reporting agencies. You also show that I was 30 days late on XXXX XXXX. I made a payment through your website on XXXX XXXX. Also, you do not show any reporting for XXXX, XXXX and XXXX of XXXX, because of your transition from XXXX. I find it concerning that when it benefits your company to not report because your company is in a transition you dont report. But when a customer ask for a late to be removed you cant accommodate. I have provided documentation to substantiate the reason why while I was on XXXX XXXX training. I will be sending these inconsistent reporting to the VA and also reporting to the Federal Consumer Financial protection Bureau and each credit Bureau. I think this is predatory lending if I make a request you dont honor my request but your company can not report should you choose not to because your transition. Please show me in writing that the VA requires an escrow. Not your company policy but VA. I have attached VA lending handbook language that proves that VA does not require Escrow. Again, I am requesting that my escrow be removed from the loan as I will make my own payment for taxes and insurance. It is much easier for me to maintain my own escrow account than Homepoint Financial. It will also be easier for me to maintain XXXX} for principal and interest and remain in good standing with your company than to make the payment of {XXXX which will increasingly become un-affordable because your companys incorrect escrow estimation for taxes and insurance that I have provided in my previous email and Fax. I would think that your company would rather have a VETERAN stay in good standing with your company than to keep raising payments making the home un-affordable because of your incorrect estimations for escrow. I respectfully request that you remove my escrow from my loan and remove my late from XXXX and XXXX XXXX, and remove my late from XXXX and XXXX XXXX. I have attached my credit report. Please See VA lender Handbook Chapter 9 page 21 it clearly states that VA does not require a Escrow Account XXXX XXXX, XXXX To whom it may concern : This is in regards to my current escrow account and my late payments for XXXX and XXXX for my home at XXXX XXXX XXXX XXXX IL, XXXX which is serviced by account xxxxxxxxxx. It is not a requirement of the Veteran Department of Administration that I have an Escrow on this loan. I am requesting that my escrow be removed from the loan and the late payments be removed from reporting to the 3 credit bureaus for XXXX and XXXX Payments. I was on military Duty and my military pay does not pay as much as my civilian occupation. My military pay is still being held up as you will note from my emails in this correspondence. Please note that my payments have been current up until XXXX of this year when I stated my first duty. However, that is when my short fall started because my military duty excluded me from my normal pay from my civilian occupation. Several days of pay were not available for pay from my civilian employer as you can note from my approved time sheets showing zero hours worked. I do not receive pay when Im on duty with the military from my civilian occupation. As you can note from my hours during XXXX thru XXXX I did not get paid for holidays and days not worked being on military duty. These late payments showing has caused my credit score to plummet from XXXX down to XXXX. I would like to point out that your customers service representatives XXXX XXXX in the refinance department and XXXX the customer service reps were very professional and was a great help in understanding my situation. Please note my payment history as I have been trying to catch up on these payments to be current and I will be making the XXXX payment next week. I will be able to pay the XXXX payment on time. With my mortgage payments constantly increasing because of the escrow account, it will make it hard for me as a military veteran to maintain affordability of this loan as required. With paying taxes homeowners have some grace period in paying taxes and even payment plans can be set up should that for some reason they neglect to pay them on time or at all. I mentioning this because With your financial institution I dont have those options. I have already received a foreclosure letter from Homepoint Financial. I want to continue being current and a good customer. With my plan for maintaining the escrow on my own, I will send correspondence to Homepoint Financial to ensure that all taxes will be current and on time. With this formal request that my escrow account be removed from the loan, It will benefit me greatly to manage the escrow account through an account I have already set up for with XXXX bank to have funds for taxes and insurance. After reviewing your escrow estimates included, I do not understand why there is a required stating balance of XXXX plus a XXXX cushion in XXXX. That is a total of XXXX that I can have as surplus to pay the next first year escrow amount. In XXXX I put in XXXX in for escrow at closing to cover the escrow. If that starting {XXXX was placed in the account, there should not have been that much of a shortage from XXXX to XXXX. My XXXX escrow account you required a cushion of XXXX and a required starting balance of XXXX which is a total of XXXX. My taxes from XXXX thru XXXX as noted below rose the most from XXXX to XXXX in the amount of XXXX. This was due to the sale of my home which cause all the home owners in the area taxes to rise. With the XXXX at closing and the XXXX you collected in XXXX for taxes leave a total of XXXX. That is still a surplus of {XXXX} to be used for XXXX taxes. In XXXX you collected XXXX in escrow when my insurance and taxes were only XXXX} which is a surplus of XXXX above what is required for taxes and insurance. Please keep in mind my Home insurance went down XXXX last year not up as you estimated. Your most recent escrow estimate shows my Payment going down but you still say that my escrow has a shortage of XXXX}. I find that hard to understand. How can I be at a short fall when my payment goes down but my escrow is short? Again, I sincerely request that my late payments be removed from my credit reporting agencies for XXXX and XXXX. I am also requesting my escrow account be removed from my account. With these 30 day late payments showing on my credit reports makes it impossible for me to request this from you and any lender. I hope that my soldiers and sailors act rights will help you in decision making process along with the information I have provided. The tax increase does not warrant the amount of escrow being collected each year for taxes and insurance. Below is a 4 year tax assessment summary for Address xxxxxxxxxxxxxxxxxxx Year Property taxes Change Tax assessment Change XXXX XXXX XXXX % XXXX XXXX % XXXX XXXX XXXX % XXXX XXXX % XXXX XXXX XXXX % XXXX XXXX % XXXX XXXX XXXXXXXX % XXXX -- Your attention to this matters is Greatly appreciated I can be reached at XXXX or XXXXXXXXXXXX Sincerely XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-13

Newnan, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-09

Hutchinson, KS

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I 'm trying to pay my morage. I went online at home point fina. it would n't let me make a payment so I call and the agent took my payment but charged me XXXX fee then said that it would be unlocked to make my next payment .. I went online again to make another payment and again would not let me make a payment .. today I call and the agent said that she could not accept my payment that it would have to be XXXX XXXX to her she was very rude when I asked for a manager she denied me a manager. saying there is nothing that can be done but to XXXX XXXX my payment and I have intel the end of XXXX to make my payment. my payments have never been returned to my bank. they bought out XXXX XXXX who is who I signed the loan papers with. and I never had a problem with them.
Company Response: Closed with explanation

Untimely Response

2017-11-03

Discovery Bay, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: Complaint # XXXX THIS MESSAGE IS FOR XXXX XXXX XXXX : Dear XXXX XXXX : Thank you so much for your voicemail message this morning. I am so sorry for missing your call. I was driving to work when you called. I tried to call you on my lunch break but I got your voicemail. I tried to reach out to XXXX XXXX XXXX who is now the XXXX XXXX XXXX Home Point Financial Corporation formerly known as XXXX Mortgage XXXX Below is XXXX XXXX XXXX information : XXXX XXXX XXXX XXXX XXXX Home Point Financial Corporation XXXX Priority Way XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX : XXXX Email : XXXXXXXXXXXX XXXX sister who is very nave and inexperienced with the process of home buying and selling was grievously deceived by her real estate agent. The real estate agent was able to carry out her forgery and deception because she connived with XXXX Mortgage now called XXXX XXXX XXXX XXXX XXXX XXXX named XXXX XXXX. My sister hired the real estate agent with a strict instruction of not selling her house unless my sister is assured of buying a smaller house to move into. That assurance was presented by XXXX XXXX with a flawless Pre-approved home loan. I must tell you that my sister fully entrusted the buying and selling of her Single family house and the townhouse ( property to be purchased XXXX to her real estate agent and have also the real estate agent handled all communication with XXXX XXXX regarding loans and other necessary paperwork. My sister never received a copy of her credit report. My sister never received a copy of any disclosures. My sister was under the impression that everything was going well until the real estate agent told her that she can not get a loan because she has a poor XXXX score. The real estate agent disclosed this information at a time when my sister was already liable to be sued for breach of contract if she does not go through with selling her house to the Buyers. I know that you are going to tell me that I should report the real estate agent to the California XXXX XXXX XXXX XXXX. Yes, my sister have already reported her and the XXXX XXXX found evidence that the real estate agent has committed forgery. My sister tried to reach out to XXXX XXXX for some answers because her real estate agent obviously wasnt forthcoming. XXXX XXXX told my sister that she did not write any pre-approval letter for XXXX XXXX. But after a month, he changed his statement. The only way that we will know if XXXX XXXX followed the laws in writing a pre-approval letter if XXXX XXXX will provide a copy of his companys procedure and/or requirements got obtaining a pre-approval letter. I asked XXXX XXXX for a copy but he wouldnt provide me one. Also, I asked XXXX XXXX if there are any mandatory disclosures or communications that should have been provided to my sister prior and after the issuance of the pre-approval letter. I asked all of these because my sister would have known that she has not approved of a home loan before she packed all of her belongings as instructed by her real estate agent who advised her that the townhouse she was buying will ready for her to move in after the owners have vacated the property. My gullible sister had no idea that was a big lie. I would really appreciate it if you can investigate XXXX XXXX and find out what was his basis on writing a glowing pre-approval letter if my sisters XXXX XXXX was poor? Can you please provide me with a list of disclosures that are mandated by law in XXXX XXXX to be given to borrowers prior to receiving a pre-approved loan? I also need you to please explain XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX. I have a suspicion that the real estate agent forged the pre-approval letter that she showed my sister but only XXXX XXXX can confirm that. If XXXX XXXX can confirm that he never wrote a pre-approval letter for XXXX XXXX, then the real estate agent forged a copy of the pre=approval letter to guarantee her double commission. Yes, my sister agent is also the Buyers agent. The real estate agent knows that my sister will not sell her house unless she makes her believe that there is a townhouse already bought using the forged pre-approval letter. XXXX XXXX is a shady loan XXXX. His license should be cancelled. I suspect that the real estate agent bribed him to write a fake pre-approval letter. If he did not do anything wrong, he should be able to answer my sisters questions and not avoid her calls. I just started my new job and I am always attending conferences so it would be best to communicate via email. Your prompt assistance is greatly appreciated. But if you prefer to reach me via telephone, please let me know the best time to call you. Very truly yours, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-03

Drummond Island, MI

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: Nothing but problems with this XXXX XXXX XXXX XXXX so sending this to cooporate and talked with them earlier today waiting for a call back. Been trying to close on my loan now the last month. I been very patient and understand. Until I get lied to over and over. I been social worker for over 20 yrs and i have not dealt with such chaos and i dealt with hi risk juvenile that acted more profession. I have got feed bad from other leading lenders in the bussiness actually two in the top five. From the begining the loan officer XXXX begged me to come back to them to refiance there loan called me called me callend me they sure want the loands interest bad but i have recieved very minimal help. I never knew that the customer had to work a 6 hr shift for 2 weeks to get the correct doucumentation. I was told get this they wont talk to me get that he wont talk to me. This all over which XXXX has finally addmitted it was there fault they dropped the ball a yr later come to find out tital work wasnt done tech homepoing not even on there title the courthouse douments. I pai XXXX dollers for this and requesting that I get this money back I had toi do the work last 2 weeks I have sent home point past loan documents called previous lender which i shouldnt if have to he has nithing to do with this. I ended up calling the titale compnay that did this. I eneded up going to the court house at XXXX in the morning saying it is home point finacial mistake after two week or more finally come out after they said it was my resposibility no it isnt I am not a titale company this is not my field. So as of today ill attach get email still not fix previous emails were saying itll be done quick it was said i was suppose to close last week. The i was ask to get the appraisal from another agnexy got it but didnt have the program to opwen an xml file. Call computer guy and syaing appraisl company have these programs very exspensive. Talk with supervisor ethan couple times now and I knwo he has not looked over file before calling because he sated he had no clue wat was going on so i exsplained everything to him. recently he said that i was verbaly abusing his staff. I was not abusing his staff and my frstarations were not directed at them i simply said this is XXXX im not getting help from the loan officer who knwos was the other departments are doing they say they do have acess to my file that is a lie, after checking with two major lender compnays they do have acess to my past fiel they do have access to the titel compnay who did this there should not be lien on proprety they shoudl have took care of this so as i am being lied to over and over it gets frustrating this is an agency home point that should be helping me through this process like i touook the time out of my scheddule to work countless hrs on this even being on phoen and computer from XXXXXXXX XXXX to XXXX XXXX in the moring trying to figure out with microsof support how to open rfile that was requested from XXXX libby. I did not apprciate todat that the supervisor ethen rubbed it in my face that i filed a complaint with other lender too. Thats because I was hellping homepoint get the paperwork they were not trying to get so i did watever i could to get them it and i did it doesnt matter who i file a complaint with if lebnderes arnt doing there job and screwing the customer I have no problam file complaints. so rubbing it in and saying to me oh the CFPB wont do anything they dont do anything well yes they have helped me out before. And i was told to use them in this case that this hole thing is nonsense XXXX XXXX should be taking care of therir mistake this is no one elses. XXXX did say he would figured something out with the XXXX dollers and he did drop the loan a quarter percent after i had to get on them however i do want this lien off my tital propery and i would love rembusment for the time i spent running around town calling and getting paper work for this loan this was not my responsibility I been sick over this havrn frelt good at all had to change my plans last few weeks and once again i dont appreciate the lies afte lies this company has given me from they cant give me the numbers on the loan they cant give me cooperate adress they dont have access to my fine and the list goes on I dont buy it at all. Im firm believer owning up for ur mistakes and do something about it I should not have to have gone and going through all this stress as of now I am communicating with coorpoarte now to solve these issue the guy I talk to at Coporate was nice and said that I should not be treated like this and I am a previous customer how sad and disappointing. Get very frustrating when im told going to close beging of week and nother week passes. Theres always something and there not honest and up front with everything its like everythings a secret i dont have time to just wast here
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

Drummond Island, MI

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

Drummond Island, MI

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2017-10-20

Itasca, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Trying to do a short sale. Package sent to lender XXXX/XXXX/XXXX - lender declined saying there was no hardship. Had client write more detailed hardship letter and resent with package on XXXX/XXXX/XXXX. Have been calling ( always put in XXXX XXXX 's voice mail with no response for over 1 month ). Also included customer service emails, which they keep saying they do n't have the information I sent many times. Home Point Financial will not respond to any communication and wo n't work with me. This has been going on for over 1 month and now they scheduled a sheriff sale on XXXX/XXXX/XXXX. HELP!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Greenwich, PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: This in response to complaint # XXXX. I want a copy of what this credit bureau was sent for them to mark as a inquire. From my understanding in order to pull my credit report they need a sign copy for authorization to do so. That 's what I want Provided to me. If they ca n't provide that I want it removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-09-27

San Clemente, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Untimely Response

2017-09-04

Greenwich, PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On X/XX/2017 Home Point Financial placed a hard inquiry on all three credit bureau agencie reports XXXX XXXX and XXXX without my consent in violation of statutes under the fair credit reporting act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-08-10

Hinsdale, IL

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX Recorded incorrect SSN for co-signer and relayed this to LO. LO said he would let his team know. XX/XX/XXXX - LO stated we 'd be able to close Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) if they received the title from sellers attorney. XX/XX/XXXX LO said they need more title documents from the XXXX 's attorney. XX/XX/XXXX said we now wouldnt be able to close by XX/XX/XXXX due to not receiving documents. This is contrary to our last response and multiple phone calls saying they have everything they need but title. XX/XX/XXXX We missed this closing date even with countless affirmations that this date would be hit. The delays were never with getting the lender information but always communication back from the lender and late requests. XX/XX/XXXX Received closing disclosure but it was sent incomplete. They did not send Closing Disclosure for my father to sign. We caught this error and the processor said they would have to send it the following day but confirmed that if my dad signed it the following day then we could still close by Monday XX/XX/XXXX XX/XX/XXXX XXXX CST- Requested 4 additional documents needed before closing scheduled on next business day. XX/XX/XXXX 2 hours before closing - Processor said they needed me to pull my father 's XXXX transcripts on irs.gov. After attempting to meet their requests by setting up an online account we confirmed that we would not be able to get transcripts for 5-10 business days. 1.5 hours to closing - I called the Processor to let him know I could not obtain the transcripts today and verify this was truly required for closing. He let me know since the SSN was entered incorrectly on the XXXX a few weeks prior, the transcript request failed. This was infuriating since we let our LO know 2 weeks prior that the SSN was incorrect and asked specifically if an updated one needed to be sent. 1 hour before closing - The lawyers on both sides of the transaction and the title company are not confident we can get the transcript sent from the IRS same day and due to not receiving the package yet. This is sent 21 min before closing and contains 3 errors my lawyer found within 10 minutes of review. The other parties ( lawyers and title company ) opted to reschedule the closing for the day after tomorrow after coming to agreement that the lender we are using is grossly incompetent. After contacting the IRS via the number the processor provided I was given the same 5-10 day lead time to receive the transcript. I called the Processor to relay this information but he did not answer, address my message, or return my call. EOB - After a few hours with no response I follow-up with an email stating how unprofessional this was and if it is truly necessary to hold up closing. The processor responds that now he will ask mgmt. if it is necessary. Throughout this debacle the processor never apologizes or shows any empathy. By the afternoon of XX/XX/XXXX there is still no response from a manager. The new closing date, XXXX on XX/XX/XXXX, needed to be cancelled again even though the processor agreed to the date on XX/XX/XXXX. With these delays, our rate lock expired ( on XX/XX/XXXX ) and according to the LO we would be charged $ XXXX/ day to extend this rate. We heard back from a manager on XX/XX/XXXX but he was unable to ensure we close without the transcripts. I requested compensation for the costs of my out of pocket costs ( the credit checks and appraisal ). He was not able to give me and answer and promised a call back the next day. As of XX/XX/XXXX we have not heard back and given our experience with this company I doubt well receive one. We have been forced to go with another option to close or else risk additional costs, loss of wages for additional closing dates, and the deal falling through.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2017-08-09

Newnan, GA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-08-08

Lewisville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Starting in XX/XX/XXXX and thru XX/XX/XXXX, Homepoint erroneously ACH a greater amount ( {$420.00} more ) than the agreed mortgage payment. They said it was to purchase Lender 's insurance due to our failure to provide evidence of coverage. It has come to light that they made an error. Their insurance department had confirmed that all the paperwork was in order, and there was no lapse in coverage and it was the mortgage 's company 's error. Over a period of 6 months, they withdrew {$2300.00} from my checking account, and after admission of their mistakes, they finally refunded me {$1300.00}. They still owe me {$1000.00}, which I once again contacted them. Homepoint acknowledged that this {$1000.00} was due to a lender 's policy for XX/XX/XXXX they bought under the wrong account in error. Every time I call, I had to recap the issues over and over again and kept getting the run around. I finally spoke with XXXX who is a supervisor at ext XXXX and he said that the company that they no longer work with the company whom they purchased this policy from and that it may take a while to get the money back on my behalf. This is clearly an error they made and should return my money while they try to recoup. Why should I be the one out of pocket for their error? I demand a refund of the {$1000.00} that I am owed.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Timely Response

2017-08-01

Plano, TX

Improper use of your report

Mortgage: Conventional home mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2017-07-26

East Lansing, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Home Point Financial 's servicing agent XXXX XXXX sent me a Notice of Servicing Transfer which was inaccurate. The servicing agent also made multiple misstatements which misstatements made it impossible for me to timely pay my mortgage and more difficult to make my mortgage payments at all. First, they admitted in my prior complaint that their escalation specialist incorrectly and deceptively told me repeatedly that I could only make my first payment by mailing a check. In fact, eventually I made the payment by means of a check by phone. Second, the same agent on XX/XX/XXXX lied by telling me that my first statement had been mailed to me on XX/XX/XXXX. In fact, the notice of servicing transfer is dated XX/XX/XXXX and the first statement was dated XX/XX/XXXX. Their agent simply said whatever he thought might get me off the phone and without regard to truth. Additionally, their servicing transfer notice deceptively says Home Point " began accepting payments from you on XX/XX/XXXX, '' but in fact, they said they were unable to accept a payment on my account during my call on XX/XX/XXXX. I had called twice between XX/XX/XXXX and XX/XX/XXXX trying to make a payment, but they could not even find my account the first time and the second time they found it but insisted I could not make a payment except by mail and with an invoice that they had not yet sent. Further, on this call, they confirmed my phone number, but I specifically told them I did not consent to atds or pre-recorded voice calls on my cell phone. Before I received my first statement in the mail, they violated the tcpa and called my cell phone with an atds and left a message for me with a prerecorded voice. This was a willful violation and is subject to a {$1500.00} statutory penalty. I never consented to auto-dialer or pre-recorded voice calls to my cell phone. Taken as a whole, their servicing is incompetent, untruthful, and illegal. I 'd like an acknowledgement of their servicing errors and misstatements, of their violation of the tcpa, and a credit of {$1500.00} to my account as a result of their willful violation of the tcpa.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-11

Atlanta, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-26

Northside, NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I paid my payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX was being brought out by Home Point Financials. On XX/XX/XXXX, I called Home Point Financials to see why the money was still in my account {$1700.00}. I was told it takes 2-3 business days before it will be removed. On XX/XX/XXXX, I called Home Point Financials again because the money was still in my account. On XX/XX/XXXX, The money of {$1700.00} is taken from my bank account. Next I receive a letter that I three months behind -- default on my loan (XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXX ), Next I check my credit report and it states I am late XX/XX/XXXX and XX/XX/XXXX on my Mortgage all three credit bureau. XX/XX/XXXX was not even due and it is reporting late on all three credit reports I write a letter to Home Point Financials to complain and asked that incorrect reporting is removed from all 3 credit bureau -- three time. Twice they said no.
Company Response: Closed with explanation

Timely Response