PLANET HOME LENDING, LLC

2016-09-08

Palos Park, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have been trying to refinance my house with planet home lending Free the last six months and they have been stringing me along and allowing me to think that this was going to happen then today they informed me that my loan had matured XXXX XXXX and that there was nothing more that they could do to help me they said because it was a 15 year loan if this happened in six months none of this would have occurred. I do not know what to do I am living with my wife my daughter and her boyfriend and XXXX children grandchildren and XXXX baby I do not want to lose my house I have been offering planet home lending money to continue to pay the mortgage while all this is being done. Then today I find out that the loan has matured and they have not even asked my XXXX mortgagee to subordinate they made no offers to them which they said they were going to do my XXXX lien company had stated to them that they were willing to subordinate what planet home lending made no offers I am just looking for some help hereI can make the mortgage payment today and continue to make them I just need them to assigned me another loan and keep me in my house please help me
Company Response: Closed

Disputed: No Timely Response

2016-09-03

Val Verde, TX

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: Green Planet never changed the status of my foreclosure on my home to reflect it was closed until my employer informed me in XXXX XXXX that my job was in jeopardy due to this discrepancy. I contacted Green Planet in XXXX XXXX after my home was officially no longer mine as of XXXX XXXX to dispute that I still owed a debt for this home. I disputed the status of the foreclosure, which finally lead them to close it in XXXX XXXX. I am currently trying to purchase a home and have been denied by the underwriter due to the incorrect closing date of the foreclosure. It currently reflects XXXX XXXX, however it needs to reflect the correct date of XXXX XXXX.
Company Response: Closed

Disputed: No Timely Response

2016-09-02

Mabank, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.
Company Response: Closed

Disputed: No Timely Response

2016-09-02

Viewfield, SD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am trying to work with my mortgage servicer to get rid of my Private Mortgage Insurance, since my LTV is now less than XXXX %. They are using the original appraised value from 8 years ago and I am using the current county assessed value. Is this customary? I could be saving {$120.00} a month but I am having to pay this amount for another 2 years. I feel this is unfair and deceptive.
Company Response: Closed

Disputed: No Timely Response

2016-09-01

Marion, MT

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: I was previously approved for assuming my soon to be ex-husbands VA loan with XXXX Bank but due to the divorce not being settled we could n't proceed with the loan until the divorce was complete. The divorce is almost complete so I contacted XXXX Bank to finish the paperwork to assume the loan. Unfortunately they sold the loan to Planet Home Lending so he was unable to provide me with the loan. So I contacted Planet Home Lending to assume the loan. I completed the paperwork and submitted it to them. The underwriters came back and said they would not approve the assumption loan due to a short sale in XXXX XXXX. I know from XXXX Bank that the short sale can not be held against you if it happened over 2 years ago and their waiting period was only 1 year so it was n't even an issue. But Planet Home Lending is using my short sale against me even though it is over the 2 year mark. This is discrimination and I am not sure why they are using this against me due to it has been over 2 years. I am also female and serve in the XXXX XXXX XXXX and am a XXXX. So maybe they are discriminating against me for who I am I am not sure but their excuse for the short sale does n't make sense since the short sale was XXXX XXXX and it is now XXXX XXXX. Please assist me in finding out what the real reason is why Planet Home Lending will not let me assume my soon to be ex-husbands VA Loan. I am a veteran as he is so there should not be an issue with the assumption, but I need an answer before we go to court so I know if I can ask the judge for the house or not. I can only get the house by assuming his VA loan and I can only due that through the bank that holds the loan.
Company Response: Closed

Disputed: No Timely Response

2016-07-27

IN

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed

Disputed: No Untimely Response

2016-07-23

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I experienced water damage to my home in XXXX XXXX. On XXXX XXXX, XXXX, I submitted the insurance claim check of {$17000.00} to my mortgage lender. My mortgage lender refuses to disburse sufficient funds for me to meet my contractual requirements to my contractors. I need an initial funding of {$6900.00} to get the work started. Despite a good faith effort on my part to provide supporting evidence to explain the details of the required funds, my lender has only released {$5900.00}, forcing me to self-fund the remaining {$950.00}. I have strongly objected to this shortfall, including written email notices and phone calls to the lender 's customer service organization. My written notices to the individual handling my claim have been met with inflexibility, obfuscation, and a message of " not my job ''. I am dismissed with vague references to " go talk to Corporate '' without any assistance given of who I need to deal with. My phone call to my lender 's Customer Service organization was greeted with professionalism and courtesy - yet I have received no response from a management individual.
Company Response: Closed

Disputed: No Timely Response

2016-07-19

Corona, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed

Disputed: Yes Timely Response

2016-07-09

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We were behind in our mortgage payments. We submitted an application to " Keep Your Home California '' and we were approved. Our servicer submitted documents stating the amounts we were behind to XXXX they in turn wrote checks to cover the delinquencies, and bring our account current. My issue is with the servicer over charging XXXX. This also causes the lien on my house to be the wrong amount. I did a complete analysis of all of our late payments from the time this servicer took over our account, the difference is over {$10000.00}. There are also several other errors in our account that need to be corrected. I will be submitting XXXX letters all with documentation attached showing the servicers errors.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-15

Carson, MS

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed

Disputed: No Untimely Response

2016-05-27

NY

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed

Disputed: No Timely Response

2016-04-29

Bakersfield, CA

Settlement process and costs

Mortgage: VA mortgage

Complaint: I was given my parents home in a trust and was deeded to the trust. It is a VA loan. The company Planet Home Lending was notified of this change in 2013. I continues all payments and they accepted the insurance all years. Now they have requested the insurance state the ESTATE of. There is no Estate it is a trust. They gave me the option of getting this stated or I would need to assume the loan. I in good faith have made all payments, insured and made this my home.
Company Response: Closed

Disputed: No Untimely Response

2016-04-12

Waynesville, MO

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed

Disputed: No Untimely Response

2016-04-01

Greensboro, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I manage an XXXX called XXXX at XXXX XXXX. On XXXX/XXXX/2013 the bank, Mortgage Investors Corporation filed an order to foreclose on a property located at XXXX XXXX XXXX in XXXX, NC. They assigned a trustee, XXXX XXXX XXXX, XXXX to handle the foreclosure. Since then the bank has not moved forward with the foreclosure. The homeowners are not paying the XXXX dues and this is causing the XXXX to lose money that is to be used to pay for the maintaining of the units in the community, as well as the property not being taken care of by a homeowner that lives there. This puts the XXXX in a bad financial position and other owners are concerned with their unit values as they are living in a community with a home that is vacant that no one has done anything with in over 2 years.
Company Response: Closed

Disputed: No Timely Response

2016-03-28

Keyport, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.
Company Response: Closed

Disputed: Yes Untimely Response

2016-03-28

Keyport, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. The last notice we received was XXXX 2015 with an Amended Complaint For Deed of Trust Foreclosure. We have not received {$3500.00} in dues and fines to date. This home is also becoming an eyesore in the community with landscaping issues, break ins to the home and fencing falling down.
Company Response: Closed

Disputed: Yes Untimely Response

2016-03-14

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I experienced water damage to my home in XXXX of 2015 and my mortgage lender wants to charge me {$46.00} third party inspection fee ( charged to my mortgage loan ) each time an inspection is required. I take exception to this fee and do not feel that I have consented to it with any mortgage agreements I have signed. I understand the bank 's need to protect their interests by having the work inspected but feel that the bank should incur this as a cost of doing business and not burden me as a customer with the cost of it paid over the remaining life of my mortgage.
Company Response: Closed

Disputed: No Untimely Response

2016-03-14

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I experienced water damage to my home XX/XX/2015. My mortgage lender refuses to pay interest on the claim funds held in escrow despite California law ( California Civil Code ( 2954.8. Payment of Interest to Borrower ).
Company Response: Closed

Disputed: No Untimely Response

2016-02-27

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: We received your attached default notice XXXX XXXX, 2016. We are in the process of applying for a loan with Keep Your Home California and ask that you please wait 45 days before taking any futher foreclosure steps.
Company Response: Closed

Disputed: No Untimely Response

2016-02-23

Arsenal, PA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed

Disputed: No Untimely Response

2016-02-23

Houston, TX

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.
Company Response: Closed

Disputed: No Untimely Response

2016-02-21

Chapel Lakes, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I have been attempting to get assistance with my mortgage for over two years now. I started out with one mortgage servicer, XXXX XXXX who took over a year. I was on trial monthly payment for a modification for over one year. Finally at the end of XXXX XXXX XXXX finally offered me a partial claim. Before the time they were to submit the documents for the partial claim to FHA my servicer changed to Planet Home Lending took over servicing my loan. Since Planet took over servicing my loan they have done a horrible job. They did several blunders with my loan and just continue to threaten me with foreclosure. First they refused to honor the partial claim, stating that they could not honor the partial claim. This was contrary to the new mortgage modification rules as of XXXX. This rule stated that a new servicer had to honor the prior servicer 's program. Even after I repeatedly told PHL of the partial claim they refused to honor. Secondly I had an escrow credit of over {$4000.00} but instead of researching my account PHL kept saying my escrow was short I had to call everyday for over two weeks to get someone to give me a credit, when they did they only gave me a part of my escrow credit. Third, they said I owed 5 months worth of mortgage but I had only owed 3 months. Fourth, they reported incorrectly on my credit for mortgage payments. Fifth, they had me submit a new set of documents to modify my mortgage and the end result was a repayment plan that had the incorrect amount I owed because they never calculated the escrow monies they were to credit me nor did they calculate what I had paid extra in a suspense account because the trial modification I was on I was paying {$200.00} more per month for my mortgage. What they tried to offer me as a workout was consistent inaccurate information and figures. I called several times to try to point out this incorrect information to them but the representatives would not listen to me they just did what they saw on their computer screens. I just kept paying them and tried to negotiate and point out the incorrect information. I filed two complaints with this department but got no positive results. In fact PHL did not meet their 20 days top respond to my complaint and when they did they gave me no resolution. My only option was to yet again provide documents to do a work out plan the same thing I had done 5 times within 2 years. They stopped taking my payments and now my mortgage is getting further behind. I submitted my documents in XXXX and to date no resolution has been met. They kept telling me that the IRS refused to give them my tax returns and I had to redo my request for tax returns 3 times from XXXX to XXXX. On XXXX XXXX, XXXX I received a correspondence from PHL saying they could not assist me with a workout because I had failed to provide the documents they requested. This yet again incorrect. I provided every single document PHL in fact I spoke to XXXX XXXX on XXXX XXXX, XXXX and she asked me to sign a new XXXX ( request for tax returns from the IRS ) I asked her if I could make a payment or if they had all the documents and she said no to the payments and yes she had all but the XXXX which I returned to her on XXXX XXXX, XXXX and she confirmed to to that she received the signed document and has forwarded it to the processing department. Yet I received the correspondence sent on XXXX XXXX that they could not help me because I have not responded with my documents. They are doing the same thing to me again. This is just not right. This company has done so much wrong and yet no kind of reprimand from any government organization many of whom I reported to HUD/FHA this organization and NOTHING. PHL continues with their deceptive consumer practices and I have no resolution to my continuing ordeal with this company.
Company Response: Closed

Disputed: No Untimely Response

2016-02-17

Brecksville, OH

Other

Mortgage: Other mortgage

Company Response: Closed

Disputed: Yes Untimely Response

2016-02-16

Bluffton, SC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Untimely Response

2016-02-08

Arvada, CO

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Untimely Response