RoundPoint Mortgage Servicing Corporation

2015-10-29

Pinole, CA

Other

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-28

Silver Spring, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My original Complainf File Number is Case number : XXXX. I am now complaining regarding the same issue and again roundpoint giving me incorrect information again. This is the email I have sent them nDear Roundpoint, I am once again writing to you to get my mortgage insurance removed again. I rang yesterday again at XXXX to get my mortgage insurance removed and once again I was told by the operator that my MI could not be removed because my loan had not been seasoned for 5 years, and if it was between 2- 5 years it had to be at 75 % LTV. This message was also passed by XXXX XXXX the supervisor. I told the operator that this was non-sense as XXXX XXXX XXXX ( Consumer Omburdsman for Roundpoint ), I am attaching her response above had written to tell me that as long as loan to value was less than 8o % MI could come off ( under section XXXX ). I had infact made a payment to roundpoint on XXXX XXXX to get my outstanding down, so it would be under 80 %. Here is the receipt. A charge to your credit/debit card has been scheduled! You have authorized RoundPoint to CHARGE a XXXX Credit/Debit card Payment. Please review the information below and retain this email for your records. Processing Date : XX/XX/2015Effective Date : XX/XX/2015Card Name : XXXX Account : XXXXPayment Amount : $ XXXXPayment Tracking Number XXXXPayment Authorized On XX/XX/2015 XXXX XXXXPayment Authorized By : XXXXAuthorization Method XXXX Agent Authorization ( Agent ) Reference InformationLoan Number : XXXXDescription : This authorization is to remain in full force and effect for this transaction onlyand for the amount listed above. Please address questions or concerns by calling RoundPoint directly at XXXXduring normal business hours. You information department did not have the letter sent to me XXXX. How can a department function without them having the right information. They once again told me that my MI could not come off. I had to email the supervisor a letter that has original been sent to me by rounpoint. I also made it clear that a new MI removal form was also posted to Roundpoint on Friday XXXX XXXX to get MI off under Section XXXX. My problem still remains thata ) your agents do not their jobs. The lady on the phone told me that she was not aware that MI could come under section 3. 99 % of the people remove it due to Section XXXX and XXXX, so again was giving me incorrect informationb ) Your supervisors also do not know when MI can come off and do not want to communicate this to your customersc ) Roundpoint send me a letter to tell me how my MI can come off but does not give the send letter to its staff- how are they supposed to do their jobs. Like my first complaint again I have the incorrect information given and passed to me. If I was given the correct information when I rang months off ago I would have done the necessary and got my MI off using section XXXX rather than Section XXXX. The only reason I went for Section XXXX was due to direct advice from your team- a fact that you have already agreed to and is in the recorded conversationsIm am now asking for a refund of MI I have paid which was unnecessary over the last 3 months as I could have got my loan to value below 80 % a long time ago, had I had the right information. It was again disappointing again to be given the wrong information again yesterday. How many of your customers are still paying MI when they do not need to, because your staff do not know the correct information. I am again resending removal of my MI with regards to XXXX XXXX principal balance reduction. My LTV is below 80 % no payments have been missed or delayed. I am also including the letter, I received XXXX. PLEASE ACTION THIS IMMEDIATELYI will also be forwarding my complaint again to the relevant authorities.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-26

Fort Myers, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Cocoa, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Property was sold on XXXX XXXX, 2015. Mortgage servicing company ( Roundpoint ) received full payoff amount on XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the {$2700.00} in escrow funds that should have been released immediately when the mortgage was paid in full.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-20

Lansing, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I have had problems with Round Point since the beginning. They are very difficult to get ahold of and it takes 2-21/2 hours to get any answers if I even get them. I closed on my house on XXXX XXXX, 2015. Upon the Title Company requesting the payoff which they did not receive, I called to get it and it took hours on the phone with them to finally get it. They calculated my interest for the entire month when we closed on XXXX XXXX. I have the proof that I will attach that they received the payoff. Since the closing they are calling me several times demanding a house payment. I have explained to them that the house is sold but they still call and demand claiming they did not receive a payoff. They refuse to give me the interest back XX/XX/XXXX thru the end of the month and refuse to refund my escrow balance as well. In turn I can not cancel my home owners insurance since they are still showing a lien on the property. Can you please help with this situation? I will be attaching several documents to show that the house has closed and the mortgage is paid in full. Thank you
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-20

Finksburg, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have bad customer service from my Mortgage Servicer and would like to switch to a different one. My account information online is never up to date, their online portal is terrible and the never address any of my concerns. There is a reason they get a XXXX star review on XXXX reviews. Is there a process that would allow me to select a mortgage servicer or a least force a change? Thanks
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-15

Basking Ridge, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-15

Dalton, GA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: had a home equity loan with Roundpoint Mortgage servicing corp. got in financial bind tried for over one year to work out something with this co. but was told this loan was due and had to pay all of it {$47000.00}. WE WERE CURRENT WITH our first mortgage so Roundpoint foreclosed.we would have loved to stay in our home of 16 years as my wife and I are on XXXX. I just think this co.was unfair to us @ this time our country was coming out of a recession.It has been 7 months since roundpoint foreclosed but has not recorded deed to the property. thanks
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-13

Cutler Bay, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-12

Morral, OH

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX XXXX payments of approximately XXXX each were applied to our account in error. I called to make a payment and was advised our mortgage was paid until XX/XX/XXXX. I explained those payments were not ours and an investigation was done. A week later I called back and was advised the payments were correct. I again attempted to make a payment and was told they can not accept a payment that far in advance. This continued for several months. Finally the customer that made the payments contacted Roundpoint and were told we would have to pay they payments and late fees we were given credit for all at once. After several calls we were put on a payment plan and were told to pay {$750.00} per month which I told them we could not afford. The other customers payments were applied to our account because they entered the wrong account number. We do not want to lose our home. We would like this resolved by removing all negative credit marks on my husbands credit, removing all late fees and removing any past due balance on this account. This is under the name XXXX XXXX acct # XXXX Roundpoint mortgage servicing corporation. Phone number XXXX. I am authorized on the account and my name is XXXX XXXX address is XXXX XXXX XXXX, XXXX OH XXXX. Phone number XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-11

Silver Spring, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I remortgaged with roundpoint loan number XXXX just under 2 years ago. A couple of months back I rang them to ask about re-valuating my property. The women on the phone said to me that if I was at 78 % I could get my mortgage insurance removed. Knowing I was very close I decided to get a valuation on my house. The valuation came in at XXXX, which means 78 % means an amount outstanding of XXXX meant I could get my MI off. I owe around XXXX. Now supposedly they tell me that since my loan is seasoned less than 5 years it has to be at 75 % at loan to value ratio, before my Mi can come off. This figure was never mentioned to me when I spoke to the agent. The recorded conversation with roundpoint advisor where I repeatedly said will it come off if it is at 78 % the answer was yes.. This is also was their website says. Now they say I can not remove my MI eventhough I am under 78 %. I want them to pay for my valuation since their agent gave me the wrong information.I only got the valuation done knowing I was close to the 78 % mark. Also I have been told legally as soon as you are under 78 % the MI has to come off. I have not missed any payments. I did fill in their form and on it does say you have to be 75 %. However since I was not clear I rang their advisers to ask them who told me it should come off at 78 %. I told Roundpoint that the mortgage has been mis- sold to me and the information I was conveyed was also incorrect. I also asked them to listen to the recorded conversation I ahd with their adviser who informed me that it will come off at 78 %. I did not get a reply. The only reply I got was to say my MI could not be cancelled and did not mention anything about the conversation I had asked them to listen to. Please can you let me know if legally they can avoid my MI coming off eventhough I am under 78 %. Also are they not legally obliged to give me the correct information when I ring them. I would like my MI to come off.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-08

Atlanta, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I purchased my home in XXXX of XXXX and since RoundPoint received my account in XXXX of XXXX it has been a complete mess the first year RoundPoint tied my account up with another persons and paid from my escrow account a resident in XXXX County 's taxes and never paid my XXXX County and City of XXXX XXXX taxes and I did not find out until I got an outstanding bill from XXXX County and the City of XXXX XXXX, I called them and they assured me this would not happen again and that they had my account all cleared up. The very next year Round Point failed to pay my taxes for either yet again and I ended up paying 2 years of taxes in 1 year to catch up after I got a foreclosure notice due to their failure to pay the taxes that I pay into every month through my house payments. Now this year again i emailed them my tax bill due ion XXXX/XXXX/XXXX and I go online to check my account and they have again not paid my taxes but paid someone else 's taxes in XXXX County totaling {$1000.00} out of my escrow again and still have n't paid my City of XXXX taxes of {$410.00}. At this point I have been burnt 3 times by this same company and I have been more than patient with them and for this company to not handle my account in the proper manner I need my mortgage moved from underneath this company there is no repairing this mess and unprofessional behavior. I am so frustrated and disappointed not to mention very angry that they have paid another persons taxes out of my escrow for a second time is just unbelievable! this is my second time I am making a formal complaint against this company I want to move my mortgage for good no action can repair this incompetence.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-07

Somers Point, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-05

Cocoa, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I received a collection call at XXXX XXXX this morning from Roundpoint Mortgage. They hold the mortgage on my investment home. I had n't paid the mortgage this month because the website was down. It would not let me in. Mind you, the loan is up to date and paid every month. It 's a courtesy for them to do this. I find it insulting. I have never been late and my credit score is over XXXX. They could have cared less. They carried on about if there is a problem, they want to be there to help. I continued to tell them about the website and said I had just gotten out of bed and had n't tried today.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Belvidere, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-29

Perris, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-28

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: In order for my loan to be taken under consideration I submitted the requested documentation per RoundPoint Mortgage Servicing Corporation NMLS ID # XXXX request. I was given a loan modification plan for three months. When I called and asked the reason for the cancellation the Servicer did n't give a reason other than the lender choose not to continue with payment arraignment. The servicer stated if I wanted to do a loan modification I needed to submit another full loan modification package which I supplied. I was told the loan modification was under review which I never got verification of the decision. The XX/XX/XXXX I began to ask for the loan modification again and again was instructed to send a complete loan modification package for consideration. After completing the loan modification package I was told the information was under review. Again in XX/XX/XXXX I was mailed a package from RoundPoint Mortgage to fill out again concerning a loan modification. I was told the lender need additional information. I again completed the required documentation. Again I did not receive a response or verification of the outcome for the loan modification. On XX/XX/XXXX, Plaintiff had received a NOTICE OF FORECLOSURE '' communicated from XXXX XXXX, XXXX attorneys for XXXX Scheduled for XX/XX/XXXX. I spoke to XXXX XXXX XXXX for RoundPoint Mortgage Servicing Corporation and he instructed me to submit again my loan modification paperwork because they did not locate my previous applications. On XX/XX/XXXX XXXX XXXX email me and stated he finally received the paperwork I sent in and it was being sent to their loss mitigation inbox for setup. During this process XXXX was attempting to foreclose on my property. According to the FHA Note Case No. XXXX paragraph XXXX. GROUNDS FOR ACCELERATION OF DEBT section ( D ) Default ... In many circumstances, regulations issued by the Secretary will limit Lender 's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, " Secretary '' means the Secretary of Housing and Urban Development or his or her designee. I made a complaint to the Comptroller of the Currency and was told to contact the CFPB. When I spoke to HUD concerning the FHA Note I was informed that I needed to speak with XXXX ( a subcontractor ) concerning my loan. The HUD agent was XXXX XXXX a HUD investigator. HUD stated they did not see a foreclosure concerning my loan. XXXX agent informed me that the Lender and Brower asked to cancel the FHA Insurance. I assured the agent that I would have never asked to cancel my insurance. I asked for a copy of the documentation or paperwork that shows I asked to cancel my insurance. I was given the cold shoulder and told the only way I would get any information concerning my loan I had to submit a Freedom of Information Act Request. I have submitted two FOIA request and still have not received the requested information. RoundPoint Mortgage did not inform me that I was not eligible for any loss mitigation option or that I had a right to make appeal with any of my previous loan modification applications. During my last attempt for a loan modification during the review process of my application the other mortgage company XXXX was attempting to foreclose on my property. I do not understand why Roundpoint was leading me on to think I would get a loan modification and still foreclose on my home. I have tried to negotiate, amend or modify the security deed with several entities, as reflected in the public records, including ROUNDPOINT MORTGAGE SERVICING CORPORATION, to no avail.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-25

Philatelic Center, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: When my loan was sold to my current mortgage company they did not transfer over the Hazard/Fire/Real Property insurance policy document which I supplied when the loan was originated. When my current mortgage company sent me a letter asking for the insurance evidence on XX/XX/XXXX I asked my HOA 's insurance representative to FAX them the information and send me an email copy at the same time on XX/XX/XXXX. The HOA insurance representative promptly faxed the evidence to my mortgage company as requested on XX/XX/XXXX. I have the emails to prove it. In XX/XX/XXXX I received a call from my mortgage company asking for the same evidence of insurance again. At this point I gave the mortgage company the HOA 's insurance representative 's contact information and I was told that it would be taken care of or else I would receive another phone call. Instead of a phone call I received a bill in XXXX for lender force placed insurance policy of over {$2000.00} dollars. I called back right away trying to clarify but was told that they are still talking to the HOA representative about the paper work. At the same time I found out that I could email them a copy of the insurance document myself so I sent my mortgage company an email with the insurance evidence attached right away. On XX/XX/XXXX I received another letter from my mortgage company saying that they are about to renew the lender force placed insurance on my property. I called right away on XX/XX/XXXX and was told by the representative that they are now seeking the XXXX term insurance evidence instead. I asked about the previous insurance evidence and was told by the representative that she was able to find the document in their system but it was n't attached to my loan. Because of the mortgage company 's incompetence I have been forced to pay for a redundant insurance policy of over {$2000.00} dollars for no reason. I believe my mortgage company ( Roundpoint Mortgage Servicing Corporation ) should be held responsible for their incompetence and the additional financial burden they have forcefully placed on me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-23

Muscatine, IA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-22

Boca Raton, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-22

Muscatine, IA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-21

Warren, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-21

Philadelphia, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: RoundPoint Mortgage Servicing Corp. keeps charging us for flood insurance that we do n't need. We have adequate flood insurance and have provided documentation to them numerous times. They assure us that they have the information, and then we get a bill for flood insurance that they have purchased for us.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Coal Creek, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-16

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response