PLANET HOME LENDING, LLC

2015-07-16

Delray Beach, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: No Timely Response

2015-07-13

Application, originator, mortgage broker

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-06-18

Philadelphia, PA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: We were denied of a modification due to " not imminent default ''. Our income is less than halfthat when we got the loan. I lost my job due to medical reasons and I am filling for XXXXOur loan take 36 % of our income.
Company Response: Closed

Disputed: No Untimely Response

2015-06-18

Philadelphia, PA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Wife loss her job for medical reasons and may not return to work. A request to modify our loan was denied by Planet home lending because we where only XXXX months late.
Company Response: Closed

Disputed: Yes Untimely Response

2015-06-15

Clarkesville, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have received XXXX calls from the following telephone numberXXXX. When i answer they hang up. Then when I call the number back to find out who it is, each time I get an automated message telling me the name of the dept collecting company and that the call is in reference to a dept and in order to find out more details about this dept I have to enter my telephone number which I am hesitant to do. The thing is I do not owe any debts whatsoever with this company or any other company and I do not know why these people are harassing me. or how they got my number. This is nothing more than a scam phishing information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Mountain View, OK

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: My original mortgage was with XXXX but sold to Green Planet Servicing/Home Lending. My payment was {$470.00} the interest was not supposed to change on VIR but every 3 years. XXXX XXXX payment jumped to XXXX one year later when XXXX took over my payment jumped to XXXX. XXXX took over the loan in XXXX XXXX. There was no change in insurance and being a XXXX veteran I do not pay property taxes and no explanation was provided for the increase. I was advised by XXXX the XXXX payment could be moved to the back of the note and they could do a loan modification or forbearance if I were to become 3 months delinquent. I sent XXXX copies of income packages to XXXX and never got the issue resolved XXXX had my mortgage from XXXX XXXX until XXXX XXXX. Under the Oklahoma Attorney generals settlement with XXXX I relieved XXXX in XXXX XXXX. This was not a payment refund it was for misguiding and fraud. I was in a foreclosure agreement with XXXX in XXXX XXXX when Green Planet Home Servicing filed for foreclosure. I paid Green Planet XXXX in XXXX XXXX which was to bring it out of foreclosure. I received a bill from Green Planet in XXXX XXXX for XXXX for misc services foreclosure was suspended in XXXX XXXX. I have sent at least XXXX income packages to GPHL. I was then advised by GPHL to pay off castle credit ( a water system fir the home ) and hoa dues for liens against property although I had the money to bring the mortgage current they advised I had to pay off liens and not make the paymentsI have requested payment history from Green Planet Servicing/ Green Planet home lending since XXXX. The VA also requested this information in XXXX XXXX and never received it. I finally received a mini and unaudited history in XXXX XXXX that does not reflect anywhere near the accurate information. In addition I have requested original documents ( copies of ) for 3 years and they are unble to provide. Green Planet filed for foreclosure again XXXX XXXX, XXXX. I received payment from the Oklahoma Attorney General in XXXX XXXX for the settlement with XXXX for misguiding and fraud. I filed an insurance claim in a XXXX XXXX for roof damage and am currently under their forced placed insurance. Phl is in the same office as the insurance company. I was informed in XXXX XXXX that I needed my own ins which I have already tried to get but no one will transfer until the claim is completed. I was told XXXX I had 60 days to finish the claim and get private ins and payoff hoa so that phl could modify or rewrite the loan but wo n't release funds from the XXXX to do repairs so they hold me hostage. The problem as I see it PHL is basing payment history off of fraud misrepresentation from XXXX thus perpetuating and compounding the problem. I have asked for an audit and accounting of the loan and was told XXXX took care of that with the XXXX which was not payment reimbursement. Since last yr XXXX has attempted to re write the loan but refuse my payments then accepted XXXX payments advised me to payoff liens rather than make payments. Failed to provide an audit and changed their minds about what I need to provide them. I know of legal action concerning the relationship between XXXX and PHL. After pleading for an audit and not receiving I advised I would be contacting XXXX and Oklahoma Attorney General. PHL told me YOU do not want to take it that far or to that level. Like filing foreclosure proceedings XXXX was no big deal. I am seeking relief and assistance. I am afraid to refi the loan as they ca n't provide any documents and just make up numbers and they have eaten up most if my equity with Legal fees that they never follow through on
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2015-06-08

Beyersville, TX

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: Considering that my previous mortgage was with Planet Lending. I thought it would be easier to stick with the same lender and apply for my new home. My representative that began the process was XXXX XXXX. I provided all the documentation that he requested : paystubs, bank statement, tax forms, copies of ID '' s, and we were pre-approved for the new mortgage XXXX XXXX, 2015. We signed a XXXX days contract XXXX XXXX, 2015, so that my husband and I could sell our home around the same time at the end of XXXX. From then there were many issues : XXXX, Planet Home Lending continued to ask for documents that he was already provided, the appraisal was not submitted, XXXX took a vacation and did not provide a name of another contact, the documents were not submitted to the underwriter, HUD sale of previous home was not submitted to the VA by Planet Home Lending, when I asked to speak to manager that did not happen, we had to ask for XXXX extensions beyond the XXXX day contract, we were told to pay off collection debts that were not necessary, we were told to have the Department of Education to update the deferment dates to update the credit report, XXXX admitting that he did not review the documents previously, Multiple credit supplements submitted, XXXX lying to us consistently, XXXX other institutions reviewing our credit reports and determining that even with the collection accounts and debts that we had - we still qualified, NOT being provided a mortgage payment after the updated information, not being told that the interest rate had increased after the extensions, being provided a XXXX page list of further documents that XXXX XXXX XXXX needed us to provide. Several times, I 've asked XXXX for a " potential '' mortgage payment, he said he could not provide until the numbers are in. So we had no idea what our payment could possibly be for the new home. I requested to speak with a manager thru the customer service line, I was told that he would call me back and I was not provided a name. I asked XXXX to tell me the name of his manager, he told me that the manager would call me back. That did not happened. We contacted and started working with XXXX XXXX. She also informed us that our credit score had gone down, therefore we would have to take a higher interest rate and then pay in order to pay the interest rate down. Confirmed that our credit score was above XXXX and the debt to income ratio was below the VA required percentage. She did not know why Planet Home lending was having us pay off debt that was in collections or asking the Department of Education to update a deferred account which was not required. The loan officer also found out that Planet Home Lending did not submit the documentation to the Underwriter until XXXX XXXX XXXX days prior to the original closing date nor Planet Home lending submit the HUD sale documentation to the VA Mortgage department in order to get the VA Benefits certificate. XXXX XXXX was able to close the loan in XXXX business days using the credit report which still showed the collections accounts and debts ( because the credit companies had not updated the report since it was still in the same month ), and all the other debts that were on our account. {$9900.00} Unnecessary debt payoff {$3800.00} Interest rate by down to new lender {$2000.00} Extension cost to seller {$4900.00} Expenses incurred due to negligent extension {$20000.00} Total monetary damagesI do n't believe that this company should be able to treat a XXXX veteran or any human being with such negligence and carelessness as they have. To have a family displaced because of their negligence and incompetence shows the lack of responsibility, morals, and business ethics. They should not be able to cost families money, time, and stress.
Company Response: Closed

Disputed: Yes Timely Response

2015-05-12

Denver, CO

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Lithonia, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Montebello, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Untimely Response

2015-03-11

Yuma, AZ

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-03-06

Kingshill, VI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-15

Powder Spgs, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-11

Texarkana, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-30

Phila, PA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-06

Oro Valley, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2014-12-05

Gainesville, FL

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-25

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-11-22

Finksburg, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-11-19

Katy, TX

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-31

Augusta, GA

Settlement process and costs

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-29

Lakewood Village, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-10-29

Finley, WA

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-10-29

Hootenville, LA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-14

Blue Mound, TX

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response