RoundPoint Mortgage Servicing Corporation

2016-11-17

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-15

Wonder Lake, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-15

Seneca, SC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-15

AR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: i had my mortgage refinanced with XXXX bank mortgage and they sold it to RoundPoint mortgage and they have refused to provide me with all the terms and condition of this mortgage mainly having a 15 day grace period before payment is due. i feel that they are trying to force me into auto-pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-14

Bradley International, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-14

Anthem, AZ

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-14

Fort Mill, SC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-14

Northside, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have been making my payments on time to Roundpoint Mortgage Servicing Corporation since they purchased my loan from XXXX. I made an extra half payment in XXXX. Since XXXX they have not figured out how to apply my payments. They keep sending statements saying I have not paid and keep charging me late fees. I have to keep calling in every month to get this corrected. It also took over six months to change my homeowners insurance with them. I am sure they have reported my " late '' payments to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-08

Cypress, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-08

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I was sent a tax bill and I ask RoundPoint mortgage to redo my escrow analysis XX/XX/2016 due to a decrease in taxes from a Homestead Exemption. They kept calling me and telling my mortgage payment was late for 4 months. They sent me a escrow analysis that was redone with a new payment amount due XX/XX/XXXX, that was still incorrect. I paid the money because I did not want them to negatively impact my credit score. I now get my new tax bill and its is less than half of what they are trying to make me pay for escrow. They kept telling me that they could not get in touch with the XXXX County Tax department in Texas. I also ask to speak to a supervisor 8 times between XX/XX/XXXX and XX/XX/XXXX and a supervisor was never available or ever called me back. I paid them over {$9000.00}, when my tax bill was only {$4600.00}. They have double charged me on my taxes and I want my money back immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-08

Lashmeet, WV

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: XXXX originally handled the loan for my home and property. This loan was then bought by RoundPoint Mortgage Servicing Company, before the first payment was even processed. RoundPoint Mortgage Servicing Corporation failed to use my escrow payments to pay my property taxes, which were due six months ago. I have contacted them six times in the last month ( since the day I received notice from the XXXX that my property will be auctioned due to delinquent taxes ) to rectify this situation. They are clearly in the wrong and have admitted as much. Every time I ask for a status I 'm reassured that all is well. I follow up with a call back, and nothing has been done. The property goes up for auction after tomorrow, and they will not agree to provide me with any confirmation that the taxes have been paid ( after they finally do pay them ), so I can not know that my real estate will not be auctioned. I do not have the funds to pay the taxes myself, though I could use a credit card, but I would have to pay interest on the charge and get caught in another battle with RoundPoint to get them to do the right thing. I ca n't believe this is happening!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-07

Phoenix, AZ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-06

Clementon, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-05

Louisville, KY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Mortgage billing statement dated XXXX/XXXX/2016 arrived on XXXX/XXXX/2016 with a payment due date of XXXX/XXXX/2016.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-04

Finksburg, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage lender has been collecting property taxes from me, but I do not see them paid to county. I remain there in my escrow account piling up. Country has started charging me interest on unpaid taxes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-03

AR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-03

OH

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-28

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-25

Maynard, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-25

Greenwood, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. I am submitting two complaints, one for XXXX and one for Round Point Services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-21

Bolingbrook, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-21

Antioch, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-20

Keyport, WA

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: I submitted a complaint to the CFPB on XX/XX/2016 regarding Roundpoint mortgage not allowing typical and standard costs that have been verified from the buyers lender in a Cost Estimate for his loan that we asked the bank to allow after raising our sales price to cover those fee 's along with Roundpoint paying for Title fee 's for the borrower so that we could insure our title at closing for the buyer. The complaint case # is XXXX. Roundpoint has continued to stall in making any decisions on this account and also has not replied to the complaint submitted on XX/XX/XXXX, other than " Roundpoint needs more time '' That again is a stalling tactic. the single point of contact " XXXX XXXX '' has continued to tell me that I can not get any info from the correspondence dept regarding what is going on with that complaint. He has also said that the file is still under review and has not been responded to although they say its been complete since XX/XX/2016. It is now XX/XX/XXXX without an underwriters decision. This file has been under review with Roundpoint since XX/XX/XXXX. That is 4 months too long to highjack any file and just let the borrower continue to make payments without any response to a bonafide offer that is ready to close. Please get Roundpoint to respond appropriately and legally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-19

Atl, GA

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-19

North Hollywood, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response