PLANET HOME LENDING, LLC

2017-04-07

Hamilton, OH

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2017-04-03

Palos Park, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I am still having problems attempting to get a pay off quote from Planet Home Lending, PLH ). This began last month, XX/XX/2017, and again, I requested a pay off quote on XX/XX/2017. I called XXXX XXXX, a loan servicing supervisor with PLH last Thursaday, XX/XX/2017 and Friday, XX/XX/2017 and left voicemail messages for her requesting the pay off quote. My new loan officer also requested a pay off quote last Thursday ; neither of us have received a pay off quote. In addition, I also requested a copy of the pay off quote XXXX XXXX claims that was sent last month. Again, I have not received anything. PLH continues to delay my opportunity to refinance my mortgage, again costing me money. Thank you.
Company Response: Closed

Disputed: No Timely Response

2017-03-31

Richmond Hill, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: No Timely Response

2017-03-17

Charleston, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-03-16

Midwest City, OK

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Galena, OH

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Planet Home Lending is my mortgage servicer and they are not crediting my monthly payments to my account in a timely manner. I mailed check number XXXX in the amount of {$1000.00} in XX/XX/XXXX for a XX/XX/XXXX payment and the company still has not cashed the check ( today is now XX/XX/2017 ). Planet Home Lending has also locked my online account and will not distribute a monthly statement so that I can see my mortgage account information. I have sent a written notice to the company in XX/XX/2017 to request that I start receiving paper statements again but they have not responded to my request, nor have I started receiving statements for my account. This company is very unresponsive to my written requests and now they will not deposit payments received to this account in a timely manner. It is almost as if they want the account to default by way of not honoring my payments. I would like help in having my payments posted timely and also receiving a mailed monthly mortgage statement from this servicer.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Mountain View, OK

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Dear CFPB Representative. I have been in a dead lock with my mortgage holder, Planet Home Lending, formerly Green Planet lending, for nearly 5 years, including XXXX separate foreclosure cases : XXXX dated XX/XX/XXXX and XXXX XX/XX/XXXX. This is a VA loan and I am a XXXX veteran. I have previously submitted a complaint, to whit, I received no resolution from Planet Home Lending representatives. I was blatantly told by PHL 's, Esq., Senior Counsel and Chief Compliance Officer, Planet Home Lending, LLC., that their company does not have to answer to anyone. ALL I have ask for is an accurate financial audit of this account. This mortgage was poorly handled by XXXX, as their accounting/advice and management skills put their company into bankruptcy. I know PHL based their accounting off of the mismanagement from XXXX which further perpetuated the problem. This mortgage was originated by XXXX. who are also now out of business, due to targeting Veterans. Also, the account was a part of XXXX. I received funds from Oklahoma Attorney General regarding XXXX. I know that I was being charged for property taxes by XXXX and until XX/XX/XXXX from PHL, because I had to send a copy of my veteran 's exemption to PHL. ALL I have ever wanted is an accurate financial audit, so that I can make an appropriate decision as to HOW resolve this mortgage. The initial Foreclose action, XXXX, dated XX/XX/XXXX, contained XXXX signatures and multiple Exhibits. This first filing contained signatures, in exhibit " C '', of XXXX and XXXX XX/XX/XXXX, as a XXXX assignment to Green Planet Lending. The Florida State Attorney General found both signatures to be fraudulent. Exhibit " C '' is absent in the XXXX Foreclosure filing, XXXX, dated XX/XX/XXXX. PHL claims in both suits I have not made a payment since XX/XX/XXXX. This is directly in contradiction to the records PHL sent me. Both Foreclosure actions were filed in XXXX XXXX of the State of Oklahoma and are available on OSCN ( Oklahoma Supreme Court Network ). Whether this was an oversight or not, PHL presented this information as being accurate before the Court. I finally received financial records from PHL. I had a friend who was a licensed Oklahoma CPA and Senior Analyst for the IRS ; and another friend who has been in banking finance for over 30 years. They both found no less than XXXX errors in the financial records of PHL and no explanation for fees that were attached to my account. PHL provided phone records to myself and my attorney. These records are another cause for concern. The only licensed Mortgage Broker recorded in the State of Oklahoma for Planet Home Lending/Green Planet Lending, is a gentleman by the name of XXXX, phone # ( XXXX ) XXXX, MB license # XXXX, issued XX/XX/XXXX and remains current. To my knowledge, I never spoke to XXXX concerning my account nor does his name appear on any documents or phone records. PHL obtained their original Mortgage License # XXXX on XX/XX/XXXX. Long after they had provided me with mortgage advice and had filed the first foreclosure case. I want to know if PHL was in compliance with the following : Title 59 O.S. 2095 - 2095.26 - Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act. And if not, how I may seek relief under this statute. Due to the dishonesty in the past, I do not trust PHL to EVER be honest. I am aware PHL was recently fined by CFPB. PHL started refusing payments in XX/XX/XXXX. At no time was I afforded a legitimate offer to refinance or closure of this matter by PHL. There were the same problems that existed with XXXX ; lost documents ; out of date documents ; mismanaged accounting ; etc. I have utilized every agency and effort I have to get an accurate audit.
Company Response: Closed with explanation

Disputed: No Untimely Response

2017-03-03

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.
Company Response: Closed

Disputed: No Timely Response

2017-03-02

Frankfort, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: Yes Timely Response

2017-02-28

Palos Park, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Since last Friday, XX/XX/XXXX, I have been trying to get a pay off quote from Planet Home Lending to refinance my mortgage with another lender. I was divorced on XX/XX/XXXX and my ex-husband 's name and my former married are noted on this account. My name was changed on XX/XX/XXXX. Planet Home Lending received my caurrent and valid dl, the divorce decree that also states I was awarded this property and the court order that I must refinance the property under my name and a XXXX they required I fill out and submit. Planet Home Lending has not had any problem accepting the monthly mortgage payment for the past 20 months from my checking account that has only my name. As of today, XX/XX/XXXX, they have not complied with this request. This has cost me more money for the daily Interest charged on the Principal balance and have delayed the refinancing of this court ordered decree. The account # is XXXX. Thank you.
Company Response: Closed

Disputed: Yes Untimely Response

2017-02-23

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.
Company Response: Closed

Disputed: No Timely Response

2017-02-15

Mount Pleasant, WI

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed

Disputed: Yes Untimely Response

2017-02-08

Billerica, MA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: my lender transferred my loan to Planet Home and they deducted a payment from an unauthorized account and upon our attempts to resolve a stop payment was put on the payments from the unauthorized account, and instead of drawing the funds from the authorized account we were reported as late.we never should have been late as they were authorized to work off the correct account.
Company Response: Closed

Disputed: No Timely Response

2017-02-02

Patterson, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.
Company Response: Closed

Disputed: No Timely Response

2017-01-26

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
Company Response: Closed

Disputed: No Untimely Response

2017-01-25

Philadelphia, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.
Company Response: Closed

Disputed: No Timely Response

2017-01-23

IL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I am again having issues with the mortgage company Planet Home Lending, affiliate of XXXX. We were sent to this company for collections that we would not have have been in if XXXX would not have refused our payments for over a year. Again they accepted one and not others. So we were placed with a collection agency, who are now saying they did n't receive a payment for XXXX XXXX, the payment was sent the end of XXXX, however the other payment submitted in XXXX was also refused. The check was cashed on XXXX/XXXX/XXXX. We also had to send the modification papers in with the pay difference because this company has raised our payments from {$570.00} to {$680.00}, claiming it is for court cost lawyer fees etc. This would not have been the case if these companies would have kept the payments they received every month. I am a little concerned on whether this complaint will get results, I just talked to the company and was told the person handling the complaint is not in the office and no one else is taking his work load. His name is XXXX XXXX, So I asked how this business is being ran? One person that handles complaints and they are not answered in the allotted time. Again I think this is an issue and not acceptable thru FHA guidelines. Thank you for your time, XXXX XXXX
Company Response: Closed

Disputed: No Timely Response

2017-01-17

Bay Shore, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2017-01-13

Fort Pierce, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2016-12-27

Charlotte, NC

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed

Disputed: No Timely Response

2016-12-09

Albuquerque, NM

Settlement process and costs

Mortgage: FHA mortgage

Company Response: Closed

Disputed: No Untimely Response

2016-12-06

Greenwood, IN

Settlement process and costs

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-12-05

San Jacinto, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.
Company Response: Closed

Disputed: No Timely Response

2016-11-29

NC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My mortgage started with XXXX in XX/XX/XXXX and was bought out in XX/XX/XXXX from Planet Home Lending. This company has declined my bill pay payment repeatedly which in turn caused late fee 's and possible foreclosure. I had to send a wire to make up for everything and this still continues to happen. The mitigation department has not helped in getting this payment paid to my mortgage and there for has caused more fee 's and possible foreclosure again. They have ruined my credit. There business practice are damaging to hard working people. They do not provide me with any proper instruction to make and payment and there bank are having major delays in returning my funds so I can have them debit my bank account to make the payment on time. I want fee 's reimbursed and the company to move my account back to XXXX, a company with respect.
Company Response: Closed

Disputed: No Timely Response

2016-11-29

Greenwood, IN

Application, originator, mortgage broker

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response