RoundPoint Mortgage Servicing Corporation
Consumer Complaints
There are over 1384 complaints on file for RoundPoint Mortgage Servicing Corporation. Dated between 2019-11-22 and 2012-06-22.
Complaints Page 21
2017-07-11
Kingman, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-11
Mem, TN
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I purchased my home in XXXX XXXX for XXXX It was nearly a complete reno. I invested over 20k into the home to restore it since it was built in the XXXX XXXX. I maintained a perfect payment history record with my mortgage company Round Point Mortgage since the beginning of my purchase.
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OnXX/XX/XXXX I experienced a personal tragedy and was severely injured. I was XXXX and suffered financially since I am XXXX XXXX. I own a XXXX XXXX XXXX XXXX that supports myself and my XXXX small children XXXX & XXXX years. I reached out to Round Point on XXXX for help with my financial struggle in hopes that they would allow me the opportunity to regain my physical strength and restore my finances with the intent to get back on track as soon as possible and continue with perfect payments. I filed for mortgage assistance initially in XXXX XXXX which was, in my opinion, a deliberately unorganized process that was drug out excessively and intentionally by the lender.
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I submitted my application, medical paperwork and statement about what happened and begged for their support. In XXXX XXXX, I was asked to " re-file '' since it was now XXXX and they were still coming back with " more request for documentation '' Each time they requested documents I asked if this was it or if there was anything else they needed to go ahead and get this pushed through. I was advised that the mortgage company has no way of knowing if the documentation is sufficient until it is reviewed and at that time they may still need more info. They also could not send me the original application I mailed in so I had to re-submitt everything.
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This initial completing of the application and submitting all of the newly required documents continued for a couple more months. During this time, I received a letter by regular mail informing me of the possible risk of foreclosure. I immediately contacted my direct point of contact XXXX XXXX with Round Point Mortgage who advised me to disregard the letter. He said that it is automatically generated and once they receive all the documents they need for the mortgage assistance application the process will be halted. I was put at ease and told not to worry about this. XXXX said that the last thing they would want would be to foreclose on me and that they would work with me until no options were left. It was XXXX that I called to check and finally heard on XX/XX/XXXX that I had a complete application with all documents and it looked like " a no-brainer '' said my agent and that " I should n't have any problem being approved '' So, at this time, my application is being reviewed and I am relieved and feeling hopeful that there will be help for me soon.
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I called in regularly to check the status of my application because I did not hear anything from my mortgage company. I would get a generic response of " It 's still being reviewed but everything is halted we just need a little more time to look over this '' I finally received a letter onXX/XX/XXXX stating that I was not approved. The reason given was they viewed my financial struggle as being " long-term '' and I did not have enough income to qualify. I can not believe that I am submitting an application for financial assistance due to a hardship and am told I do n't have enough income to qualify and they decided to deny me on this excuse.
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I filed an appeal the same day that I received the denial letter on XX/XX/XXXX. I submitted my appeal which would continue to hault any forclosure proceedings as explained by my direct point of contact XXXX XXXXt. The appeal process seemed to take just as long as the initial application process. However, I submitted all the necessary documentation required to prove that my financial situation was in fact, beginning to rescind and that I would be back making payments in a few short months.
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I decided to list my home just in case for some reason the appeal was not approved. I was told by RPM that even if the appeal was not approved, there would be other options that we could look into at that time. The first person that saw my home made an immediate offer and I accepted it. We went through the process of inspection, repairs and all were completed within a few short weeks. The closing date was set for XX/XX/XXXX and a full price offer was made. RPM would get a FULL payout interest and all. I sent all of this documentation to RPM via my direct point of contact XXXX XXXX. I asked specifically what documentation he needed and I was advised just to send in the contract on the home and if I had it, the inspection and repair approval docs. I submitted these and was told " we have everything we need '' followed up by, " the process has been decided and RPM agrees to give you a 30 day extension past the date of closing to allow enough time to complete the sale. '' This was said on a recorded line by XXXX XXXX on XX/XX/XXXX.
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I recieved a concerned call from my realtor asking me if I was aware that my home would be sold at auction on XX/XX/XXXX. I was floored and assured him that he was misinformed. He said that he personally knew an investor that was working with my mortgage company to buy my home. I am assuming this was done underhanded. I contacted my mortgage company right away and was in total panic. I spoke with XXXX XXXX as soon as the phone lines opened on XX/XX/XXXXto understand what was happening. He read me the notes on the account ( on a recorded line ) that stated " just as he suspected '' I was granted the extension and they would allow me to sell the home and gave me 30 days past the closing date ofXX/XX/XXXX to finalize everything. He said that it has been passed down to every department and XXXX XXXX XXXX XXXX have been instructed to halt the sale of my home. Again, this was said on a recorded line. I bursted into tears in relief on the phone with XXXX thanking him excessively for his help. I contacted my family and friends and let them know that my mortgage company has agreed to let me go ahead with the sale which would occur in 9 days.
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Later that afternoon, on XX/XX/XXXXI received a nervous call from my direct point of contact, XXXX XXXX telling me that he has no idea ( recorded line ) how this happened but my home will be sold at auction today XX/XX/XXXX!! I almost fainted. He said that he read the notes to me clearly and correctly but somehow they must have been incorrect becuse it shows they went ahead and listed it for auction. I demanded an excuse as to why this happened after I was promised that I was granted the short sale. My direct point of contact said he had no idea how this could even hapen and would find out himself because it was wrong! After almost an hour on hold, all he could come back with was " the investor was not convinced. '' I demanded to know what could have convinced him/her since I was ( as I previously stated ) ready and willing to submit anything he/she needed " to be convinced ''. I was also told that they had " everything they needed. '' After another long hold, I was informed that there was a sheet that lists out the table of what RPM would receive from the sale that he would have liked to have. I explained that I could have easily sent this in less that 5 minutes but again, was told that they had everything they needed ( on a recorded line ). I even offered to send it in before the sale was finalized ( right then ). The contract ( attached ) on my home was for 130K Conventional loan. RPM Would have received a full payout including interest from the short sale so I have no idea why he was not " convinced '' XXXX XXXX finally said there was nothing I could do and I was not allowed to speak with the lender. I was told that " Lenders are not phone facing right now. '' I asked about the status of my appeal since I had heard nothing. He told me they decided 1 day before the sale to deny it and just failed to let me know this. Or, give me any time whatsoever to take advantage of those " other options '' I was promised I would have to save my home.
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My home was sold at auction on XX/XX/XXXXfor XXXX I only owed a total amount of XXXX ( XXXX with interest ) Since interest collection is not allowed at auction, this left an overage of XXXX which I am due. I attempted to contact the REO team at [email protected] and called them at ( XXXX ) XXXX and have received no response. I contacted XXXXXXXX XXXX XXXX ( attorneys ) and was told that they have no information. I requested a copy of the sale documents and was told I can email my request which I did but received no response.
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The investor that bought my home came by and knocked on my door to inform me that he was the one that just purchased my home. He gave me two options, he could either evict me or I could give him the keys for {$500.00}. My children were crying at the door and out of desperation, nearing a panick attack, and being a single mother with absolutely nothing at this point, I agreed to make the exchange to avoid losing my personal belongings. The investor that purchased my home at auction is XXXX XXXX ( affiliate broker ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone : ( XXXX ) XXXX cell.
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After this tradgedy, I rallied help packing and removing my things and moved out on XX/XX/XXXX. I am in the process of interviewing and hiring an attorney to find the best fit to make this a complete wrongful foreclosure case. RPM did not go about the proceedings correctly and failed to keep me informed during the process. They basically sold the home out from under me and then failed to send me the overage I was due. I can not begin to tell you how fraudulent this feels and how I was basically cut out of the sale after my home was sold out from under me. Round Point Mortgage really hurt me emotionally and mentally. They also let me down with how they treated me and I have suffered XXXX XXXX and XXXX XXXX since this incident. To go through losing your home after almost losing your life has been the worst experience of my life.
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In summary, my complaints are 1 ) Regarding how the initial mortgage application assistance process was handled and severely delayed. 2 ) How sorely unorganized and difficult the application process was. 3 ) That I did not receive proper communication. 4 ) I was never properly informed that my home was being foreclosed on. 5 ) Round Point did not follow the correct legal proceedings. 6 ) That Round Point auctioned my home before even letting me know that I was denied the appealed assistance I requested. 7 ) Round Point lied to me on a recorded line and told me that I was approved for the short sale and would be allowed time to sell my home but then turned around and sold it anyway. 8 ) Round Point failed to respond to my request for information regarding the sale and did not send me the overage from the sale of my home. 9 ) That due to this situation I have suffered XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. My children have also suffered emotionally and mentally from being displaced and torn away from their home after just losing their father.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-11
Kingman, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-11
Fort Worth, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My Husband and I refinanced our home in XX/XX/XXXX. At that time our yearly taxes were becoming due ( always paid by previous mortgage company XX/XX/XXXX to XX/XX/XXXX. ). Funds had been built in to our new loan to start a new escrow account, as well as the complete funds to pay the taxes that were now due. The mortgage company that had our new loan paid our XX/XX/XXXX taxes on XX/XX/XXXX in the amount of {$3600.00} to XXXX XXXX, Tax Assessor-Collector ( check written by XXXX XXXX ). Immediately after this payment had been made our new loan was sold to RoundPoint Mortgage Company. Our first payment was due on XX/XX/XXXX in the amount of {$960.00}. At this time my Husband and I went online every month to RoundPoint 's website and made our monthly payment in a timely manner. However, when I went to make the XX/XX/XXXX payment I was shocked to see that our payment had increased by {$310.00}. I immediately called the contact number on their website ( I was routed overseas for every phone call ). and tried to explain there was a problem. I was told there was an escrow shortage because my taxes had been paid in XX/XX/XXXX in the amount of {$3600.00}. I tried explaining on two separate phone calls there was a problem and I needed to talk with someone in the tax department. I was told my concerns were being sent to the correct department by email and that someone would reach out to me. I also was forced to make this large payment. I also went online to the website and sent two emails explaining the problem and asking for a phone call, back from someone in the states to handle this problem, since there was always static and extreme background noise when calling customer care which was always routed to an overseas call center.. I never received a call back from my initial phone calls to customer service and I only received one form letter response to the two emails I sent. Finally, I contacted our mortgage broker and he said he would put me in touch with a customer liaison ( I contacted him on XX/XX/XXXX, he responded by email on XX/XX/XXXX and was very concerned that my taxes had appeared to have been paid twice! On XX/XX/XXXX I again contacted my broker and said that I had still not received an email or phone call from a representative at RoundPoint Mortgage.On XX/XX/XXXX a woman named XXXX left a message for me at XXXX and left her number. I tried calling her and leaving messages for 5 days and never received another call back.. On XX/XX/XXXX I again contacted my mortgage broker and explained what happened. By this time I had collected all information from tax office verifying they had made a tax payment when my taxes were already paid. The tax office said they could issue a refund to mortgage company they just needed mortgage company to contact them. I finally spoke with XXXX from Roundpoint and she said they were just starting to look in to the matter, even though I had already told customer service twice the problem and sent customer service two emails. Finally they admitted they had mistakenly paid our taxes and they adjusted escrow account. The problem now is we have yet to be refunded our {$310.00} over-payment we made on our XX/XX/XXXX house payment.. We have been told they are waiting to see if we will have an escrow shortage this year! I told XXXX that we want over payment refunded immediately, and to this day ( XX/XX/XXXX ) we are still waiting on OUR MONEY. I have enclosed correspondence from our mortgage broker, mortgage company and local tax office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-08
Cheverly, MD
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-07
Lake Placid, FL
Applying for a mortgage
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-05
Collingdale, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-28
Nappanee, IN
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: Hello, I am writing to you today ( X/XX/17 ) to file a complaint against a mortgage company called ROUNDPOINT, out of XXXX, NC. This was my mortgage company, until we sold our home on XXXX XXXX, 2017. My mortgage was paid off and we finance a new home through a new mortgage company. At the time that my home was paid off in XX/XX/XXXX through Roundpoint my escrow was also renewed. My realtor had me contact roundpoint to see if they owed me a refund. Turns out they do. Approx {$430.00} worth. It is now almost XX/XX/XXXX and I have still yet to receive my refund from them. I have been given the runaround from them, they have told me they have mailed me a check, then I was told they did n't mail me a check so then they mailed me another check, I still have not received it, so then I called them back again so they issued another check, still did n't receive that one. I did however receive from them in the mail a " congratulations your home has been paid off. '' So I have managed to get mail from them, just not my refund. I called them last Thursday which would have been XX/XX/XXXX, and I threatened them that if they did not overnight me a check that I was going to file small claims court charges on them. The gentleman on the phone PROMISED ME that they were going to overnight me a check. Here it is Tuesday and I still have not received a check. Today is XX/XX/XXXX. I called them back again and the lady on the phone told me that they mailed me a check Friday ( X/XX/17 ). And then I should be receiving it sometime this week or next week. And I informed her that this is the fourth time that they have tried to send me a check that I am not receiving. I do n't know what else to do and I 'm looking for help. I am ready and willing to file small claims court charges effective immediately unless I receive my money in 48 hours. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX XXXX Roundpoint acct # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-27
KY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have a mortgage with RoundPoint Mortgage Company. I submitted a request to have my PMI removed and my request was denied. I tried talking to someone in customer service and they were completely clueless and unable to help at all. All of this information is based on their own documents which can be found here : XXXX XXXX XXXX XXXX When can I request PMI be cancelled? '' " ( 2 ) the date the principal balance actually reaches 80 % of the original value of the property '' " How do I find the original value of my property or LTV? '' " If the loan is a refinance, then the original value is the appraised value used to refinance the loan. To calculate the LTV, divide the unpaid principal balance of the loan by the propertys original value. '' Refinance Date : XXXX XXXX Appraised Value Used To Refinance The Loan : {$380000.00} Unpaid Principal Balance of the Loan : {$300000.00} Unpaid Principal Balance of the Loan / Appraised Value Used to Refinance The Loan = XXXX / XXXX = 79.93 % I do not understand why they are denying my request to have PMI removed. Thank You!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-23
E Massapequa, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-23
Kingman, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-22
Chicago, IL
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Purchased home in XX/XX/XXXX, XXXX XXXX XXXX XXXX My husband and I. in XX/XX/XXXX XXXX XXXX XXXX sold mortgage to Roundpoint mortgage XXXX XXXX filded chapter XXXX bankruptcy with XXXX XXXX and included the house. We were making monthly and ontime payments at that time. Two months into bankruptcy XXXX XXXX mailed notice for a motion to modify the Automatic stay that we owed XXXX XXXX XXXX XXXX XXXX XXXX ... ..back pay and we were ordered to pay XXXX $ a month. We ( XXXX ) paid Roundpoint XXXX, XXXX XXXX and XXXX XXXX all at the same time. Within chapter XXXX XXXX XXXX was Paying XXXX $ two months into Bankrupcy Payments automatically went to 700+ a month. We ( the XXXX ) were referred to a Contractor named XXXX XXXX to help resolve this issue. We ( XXXX ) never received a mortgage statement from XXXX XXXX and we have never taken out a second mortgage. XXXX XXXX XXXX which is not an attorney instructed us not to pay anyone because we are a part of predatory lending and deceptive practice. We ( The XXXX are expected to pay two mortgages and XXXX XXXX. XXXX XXXX completed the bankruptcy and has been discharged 6 months ago now XXXX XXXX is coming after us again for back pay which is currently XXXX. Roundpoint is tring to work with us for a modification but XXXX XXXX the " Contractor " has a freeze on my account. Round Point will not speak with Us so that we can ask questions and complete modification. Roundpoint Representive always says " We can only speak with your attorney ''! I never hired an attorney. I had court date on XX/XX/XXXX for case management order. Unfortunately I was late and have to motion back in court so I wont go into default for XXXX $ +. XXXX XXXX ( contractor ) has been paid by Us ( XXXX ) thousands of dollars since XX/XX/XXXX. We are not supposed to be in Forclosure. XXXX XXXX has received monies from us and has not filed montions to support predatory lending or to defend us from XXXX XXXX, and XXXX XXXX deceptive practice. I XXXX XXXX am seeking help because we are apart of predatory lending and deceptive practice. Currently tring to modify loan threw XXXX XXXX but cant speak with Roundpoint mortgage to confirm details. We do n't know who the real mortgage company is? Who received the extra monies with in Bankruptcy, and XXXX XXXX is posing as an attorney and taking money from consumers while sitting back as we go into forclosure. <P/><P/>address of property : XXXX XXXX XXXX XXXX XXXX XXXX roundpoint loan # XXXX XXXX XXXX XXXX Loan # XXXX circuit XXXX county court # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-22
Calera, AL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
Kingman, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-17
Clarksville, TN
Struggling to pay mortgage
Mortgage: VA mortgage
Complaint: Round Point Mortgage Servicing Company sent a certified letter dated XX/XX/XXXX. In the letter, they allege that there was only one VA inspection in regard to the property located at XXXX XXXX XXXX XXXX, TN XXXX. I have done everything they have asked me to do in regard to the Deed in Lieu of Foreclosure and they apologize, for what my attorney and I will call, gross negligence on their part. <P/>Back to thisXX/XX/XXXX letter : RoundPoint states that there was only one VA inspection, which took place on XX/XX/XXXX and failed because the property was not in broom swept condition. This part is true. <P/>Moreover, I called and left a voicemail with XXXX XXXX XXXX at Round Point, who is or was my customer care advocate. His direct line is XXXX. This call was placed on XX/XX/XXXX at XXXX Central Time. My message was for him to get back with me regarding the second VA inspection which passed and that my attorney stated that RoundPoint should have never transferred the loan and/or property to XXXX XXXX. He never returned my call. <P/>In any event, we have documentation showing that a second and subsequent VA inspection took place and passed. My attorney has told me that because the second inspection passed. RoundPoint also confirmed this when the customer care advocate at the time called us on speaker phone. Round Point should have never transferred the loan or property to XXXX XXXX XXXX C/O XXXX XXXX XXXX. This transfer took effect XXXX XXXX, XXXX. <P/>The final issue, Round Point stated in the letter mentioned herein, that they transferred the Deed in Lieu documents via XXXX to the new servicer, XXXX XXXX, and that they are to submit the documents for recording, in addition to ordering a new VA appraisal. <P/>I 've called XXXX XXXX and I have spoken with XXXX, my customer care advocate, whether they have received the Deed in Lieu of Foreclosure documents from Round Point. She has stated that they have not received anything from Round Point at all. She does have on file that I was issued a XXXX " Cancellation of Debt '' for the entire loan for the property, also mentioned herein. XXXX also stated that they have not ordered a new VA appraisal. Why has n't this been done? You 've had the documents since XX/XX/XXXX. It is now well over a month later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-16
Lopezville, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-15
NJ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Every year, Round Poin XXXX Mortgage Company attempts to put lender placed insurance on me due to the delay I have in receiving insurance policies from my condo association president. Every year, I submit proof and they remove it. They sent m e 2 d ifferent escrow analysis 1 for this year XXXX which I cleared up, then in XXXX they send me something to go into effect in XX/XX/XXXX to pay a shortage for lender placed flood insurance that lapsed from XX/XX/XXXX through mid XXXX when reinstated by the condo association. I had resolved this with RPM by sending them proof when I had it and received a letter back for the XXXX year removing the policy. Now, they are trying to collect from me. I had no idea there was a lapse. No other condo owners had issues with their companies for it to even be a conversation. I later found out that the condo assoc. president was ill, divorcing her husband, and fell behind with correspondence and payment as per the insurance company. She shortsaled her 2 units and we now have a new president as of XX/XX/XXXX . I have spoken to various people and managers at round point, they agree it is not my fault and were supposed to ask for a special consideration that I not have to pay the gap. There were no claims, there is a year policy in place for XXXX , and i dutifully paid my condo fees which covered the flood and external policy. I maintained my internal policy not included in my condo fees as required by RPM. This month, I wait to the very last moment to pay and the monthly payment is still showing the increased escrow. I made the payment to avoid default, but can not afford this. I can not sell the unit as it is upside down in value thanks to the 2 shortsales in complex. I can only rent it for {$800.00}, the mortgage is now {$760.00} and then I pay {$160.00} in condo fees ontop of that. I was kind of upside down before but now I am really upside down. RPM has only placated me over the phone but did not respond to my concerns. I really want my mortgage away from them. I have had nothing but problems and harrassment through the escrow and lender placed insurances which are cancelled every year because my condo association runs on a different calendar to RPM. I just ca n't deal with a bank that wo n't follow through on numerous calls, even a letter stating we could not give you the exception we spoke of would have been better than nothing and then forcing me to make a payment I am not comfortable making because I can not select my own amount to pay online and I waited as long as I could to give them the benefit of the doubt that they would resolve this issue. Can anyone intervene on my behalf? Can I modify the mortgage as I loss money each month? I want to flip the keys to round point and run. I have a mortgage with Wells Fargo presently for my home, I have had mortgages with XXXX , XXXX , XXXX XXXX XXXX XXXX , and 1 other small company over my lifetime and have not ever had the issues that I have with RPM. This condo specifically has been with XXXX , XXXX XXXX , XXXX and then RPM as I have owned it 12 year, only RPM has been a problem. Any help is appreciated. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-15
Wallington, NJ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-14
Santa Ysabel, CA
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: This is a dis pute regarding a removal of a 30 day late reporting on our credit bureaus due to ROUNDPOINT MORTGAGE system failure to withdraw fund from our account and Failure to notify us as borrower in due time to take action. In response to our inquiries, Roundpoint was n't able to provide any factual information to disprove our case but rather incorrect facts about the course of action taken. We have all phone records, email confirmation etc to prove that Roundpoint was inaccurate in their assessment of denying our request to remove the 30 day mortgage late from our credit bureaus. Attached is a series of event and correspondence with Roundpoint. More detailed information can be provided upon request.
Company Response: Closed with explanation
2017-06-14
VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have been making my mortgage payment in 2 equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly ( according to them ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-12
TX
Trouble during payment process
Mortgage: VA mortgage
Complaint: Hello, I am submitting a complaint on the escrow shortage for our servicer. We purchased the home in XX/XX/XXXX. At the time of closing we setup our escrow account on the unimproved amount. The assessed amount at that time was {$350000.00}. In XX/XX/XXXX we paid an escrow short of over 6,000. It appears to me the lender did zero research in coming up with this figure. The taxes should have been based on an assessed amount of {$420000.00} which was the amount the county released and posted online in XX/XX/XXXX. <P/>Recently they sent us a bill dated XX/XX/XXXX yet again collecting an escrow shortage in the amount of {$2000.00}. We are now in XX/XX/XXXX and the assessed amount is {$410000.00}. I have called Roundpoint and asked them to explain how they continue to get away with setting up our escrow account wrong and the only answer I get is, sorry this is your taxes with ZERO explanation as to how we are now paying a 2nd shortage. <P/>How are we paying an escrow shortage when our taxes actually decreased from XX/XX/XXXX to XX/XX/XXXX expected amounts?? <P/>I am highly concerned with all borrowers being serviced with Roundpoint as we have no idea of what to expect our payment to be even when the assessed amounts are decreasing I am being asked to come up with more money. <P/>This is very hard on myself and my family to budget for a home. We are struggling to come up with the amounts and I feel they have failed to set proper expectations with me as a borrower. I am concerned with the decreasing values in my subdivision and the increase in my payment will force me out unable to sell for the amounts we owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-10
South Florida, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This complement is for : RoundPoint Mortgage Servicing XXXX XXXX XXXX XXXX , NC XXXX My loan : XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX Hi, My name is XXXX XXXX , RoundPooint gave me a XXXX % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in 2014 XXXX . Loan # XXXX property address is XXXX XXXX XXXX XXXX , XXXX XXXX XXXX . <P/> Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the Recording with XXXX county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke XXXX refused to fix my credit with XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale. I am not getting my issue solved by my self.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Carrollton, TX
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Carrollton, TX
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-05
Lewisville, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. <P/>They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. <P/>Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. <P/>Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. <P/>When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. <P/>I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. <P/>I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. <P/>Their failure to follow instructions is adversely affecting my credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation