LENDER LIVE

2018-12-27

Bella Vista, AR

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-04-20

Lithonia, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-12

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-01-10

Saint Charles, MD

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-05-22

Chester, VA

Incorrect information on your report

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

Account information incorrect
Complaint: Lenderlive has reported the one payment covered by my bankruptcy as a late payment n umerous times on my credit report, lenderslive, XXXX XXXX XXXX XXXX , XXXX , Colorado XXXX , telephone # XXXX , the dates reported are from XXXX to XXXX . They show on my credit report as LNDERLIVE XXXX . My bankruptcy was in XXXX for that one payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-12

CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I had a mortgage through Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX . My loan includes escrow payments to cover the property taxes and the homeowner 's insurance. In XXXX XXXX Lender Live failed to pay the homeowner 's insurance and it lapsed. I paid the insurance personally once I became aware of the problem and was eventually reimbursed. In XXXX of XXXX I decided to check and see if the property tax had been paid and I discovered it had not. I paid that personally as well. The property taxes were due on XXXX XXXX . Lender Live sold our loan effective XXXX XXXX and they did not pay the property tax. I have asked for a full accounting of my escrow account. They have no explanation for why they are collecting the escrow and then failing to responsibly pay the bills when due. Lender Live is no longer the loan servicer but when I contacted the new loan servicer they were unaware of where the escrow payments should go and also said there was no indication the escrow was to pay property tax as well as insurance. The total escrow collected is significantly more than the total of the taxes and insurance. I think Lender Live is horribly disorganized and irresponsible.
Company Response: Closed with explanation

Timely Response

2017-04-20

Box Springs, CA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-26

College Park, NV

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2017-01-19

Warren, RI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: XXXX/LenderLive wrongfully charged me a late fee for a payment that arrived to their facility prior to the XXXX of the month. When I contacted the company, I received different answers from different people and was left on hold for long periods of time when I asked to speak with a manager. Additionally I had to call several times to get the issue resolved. This issue has occurred more than once and is starting to become a monthly chore.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-28

Brooklyn, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-12-07

WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage, XXXX, was resold by Lenderlive to what appears to be another Lenderlive company under XXXX XXXX XXXX. With that change I had to create a new user ID and PW to their online site, I have lost all history of my previous account and there is little to no supporting information for my loan. On top of that I received a check in the mail for {$280.00} on XXXX XXXX, 2016 indicating I had an overage for my escrow. I know there have been NO measurable changes to my property taxes, home owners insurance nor have I received any info on my PMI changing. Since I did n't think I had an overage I did n't want to cash the check. I logged into my online account view and I noticed my XXXX payment has increased by {$130.00} a month. I have received NO INFORMATION on why my payment increased. I called and was told someone did an escrow analysis and that " must be why '' but no one could give me details. How could I get an overage check but my payment go up? I have also asked for information in writing which I have not received. I can not see any escrow details online, I ca n't see what they used for my escrow analysis and I was told " we have a right to take a 2 month escrow cushion so we must be collecting on that ''. I have had my mortgage open for over 3 year with an escrow account that has not changed. How could they now call due 2 full months of escrow payments out of no where. Doing business as Lenderlive, but under a XXXX name should n't allow Lenderlive to collect more money from me. I have NEVER missed a payment and in fact I pay extra to principle every month. Now I am told I owe {$1500.00} MORE to my escrow when there was no change to any of the taxes or insurance I owe. I have asked for information in writing which I have received none and I have sent a letter via 'contact us ' within my online account access and I have not had any response in over a week. I would expect to get detailed information on my escrow account, I expect my payment NOT to change unless I owe more to my insurance or taxes ( which would n't change that much ) and I would expect to have my details available within my online account access. All of my information is up to date in my account.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2016-10-21

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2016-07-29

Ft Myers, FL

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-17

Bremen, GA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I was paying my mortgage payments regularly to Lender Live/ XXXX XXXX XXXX since 2015. I was dividing my payments into {$680.00} twice a month because it is easier for me to budget that way. All was going well until ( read on ) : XXXX XXXX and XXXX XXXX I made XXXX payments of XXXX and it was applied to XXXX XXXX. XXXX XXXX ( my bank sent out XXXX payments by mistake and said my payments were on automatic which they were not ) and XXXX XXXX - XXXX payments of XXXX were to be applied to XXXX XXXX XXXX XXXX and XXXX XXXX I paid payments of XXXX each to be applied to XXXX. In addition, on XXXX and XXXX I made additional payments of XXXX and designated exactly how these chould be divided to try to pay off a little bit of my loan early. One of my XXXX payments went directly to T+I and my XXXX went to T+I. I had to call them to ask them to apply them appropriately. The lady I spoke to said that never should have happened. The payment of XXXX was reapplied but again to XXXX which I had ALREADY paid. When this started happening, they promptly sold my loan to XXXX who is telling that I am arrears for a payment. I sent a registered letter to XXXX XXXX asking them to send me past statements ( which I can no longer access online ) so I could try to understand what had happened and they sent me XXXX sheet of paper with XXXX lines on it with T+I balances on it from XXXX and XXXX. They did not send me the statements. Luckily, feeling that something was amiss, I did happen to do a print screen for these months I am talking about but you can not tell that payments were sent to T+I. The error from XXXX is on there. I am tired of trying to deal with XXXX/Lender Live and I a tired of trying to tell XXXX that my payments were caught up with LenderLive and I should owe them NOTHING in arrears. These places are just too big for me!! I hope you can help. Thank You, XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-07-06

Saint Paul, MN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-06-24

Dayton, OH

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2016-06-14

Mc Kinney, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-05-28

MN

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Complaint: I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-27

Hinkley, CA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: My mortgage was serviced by LenderLive. I was current on the loan as of XXXX XXXX but I was out of work and using savings to pay. I agreed to a forbearance plan with LenderLive in XXXX XXXX. I explained that I need a security clearance to get work and therefore needed to avoid any negative credit reporting for the mortgage. They told me that they would not do negative credit reporting while I was on the forbearance plan. The forbearance plan was supposed to last for six months, until XXXX XXXX, XXXX. At that point I would enter into a repayment agreement with LenderLive according to the plan. Instead, LenderLive reported on my credit as if I was missing payments during the forbearance plan. I noticed the negative reporting in XXXX XXXX. I was looking at my credit because I was going up for security clearance for a job. When I called LenderLive about it they refused to fix the credit reporting. They had previously been ridiculously rude to me over the phone -- they even insulted me for being a XXXX veteran. In XXXX XXXX LenderLive transferred my loan to XXXX. XXXX did not have any information about the forbearance plan. As far as they were concerned, I was six months behind on my mortgage. After the transfer, LenderLive refused to talk to me about the issue or to fix it. They just directed me to XXXX. XXXX did n't have the records and did n't know what I was talking about. I want LenderLive to correct the information reported on my credit to reflect that I was on a forbearance plan and was not responsible for the payments from XXXX XXXX through XXXX XXXX. Therefore I should not have missed payments recorded for those dates. I would also like an apology for their insults of my status as a XXXX veteran.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-05-26

Lannon, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2016-05-26

Jurupa Valley, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-05-20

Tyrone, NM

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-05-19

San Gabriel, CA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-05

Houston, TX

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-05-05

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response