The J. G. Wentworth Company

2016-04-29

Pasadena, CA

Settlement process and costs

Mortgage: VA mortgage

Complaint: VA mortgage through JG Wentworth Home Lending LLC. My initial closing was delayed by one week because JG Wentworth required a form which upon discussing with VA XXXX in XXXX, the cleared termite report was sufficient. Instead of closing on XXXX XXXX, 2016, we closed on XXXX XXXX, 2016. According to the Closing Disclosure, the lock extension was {$2700.00}. However, the amount for lock extension was another {$2200.00}. The extra time required was not my fault because the lender was demanding a termite pretreatment form from the home builder.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-31

Fdez Juncos, PR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: JGWenthworth is holding my escrow funds indefinitely and not paying me interest on my funds. I already paid off my loan. Furthermore, they stole {$30.00} as a last bite out of my escrow after I paid off my loan. I believe JGWentworth is violating Federal Mortgage Housing Lending regulations. They are disgracing US service men who are serving or have served their country.
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

2016-03-30

Fdez Juncos, PR

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 monetary relief

Disputed: No Timely Response

2016-03-21

Fdez Juncos, PR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

VA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: I recently received a letter regarding my mortgage loan, and have contacted XXXX regarding what I believe is erroneous information that had begun approximately XXXX XXXX. The loan itself was under XXXX XXXX XXXX at the time, and their servicing company XXXX XXXX XXXX up several loans escrow accounts, causing over payments, and then sometime during XXXX bought out by JG Wentworth. In the transition, my on line account was blocked, and I was told to make payment over the phone, and in the transition requested several times for a complete reconciliation and accounting so I could see/determine the correct payment. I made four large payments to bring the account back up to current, a result of the transition of XXXX XXXX XXXX servicing companies and XXXX along with a XXXX XXXX XXXX from JG Wentworth and a former employee of XXXX assured me not to worry and that he 'd take care of " all the stuff in the background '', and get my loan corrected and back on line. To date this has not been done, and I 've called several times requesting not only information, but an audit accounting of the loan for the past two plus years. Recently I contacted a XXXX XXXX XXXX from XXXX and requested the same information, and she indicated she would try to help. That was three weeks ago, and still no resolution. I am submitting this complaint regarding my issues with both XXXX XXXX and JG Wentworth, and ask you to have the loan investigated for possible mortgage fraud by the loan servicing companies, XXXX XXXX XXXX, as they have failed to provide me with a full accounting of the past three years from when the loan servicing company made errors to accounts ( including mine ), payment application, and resolution of the account. Please feel free to contact me regarding any information, or if you would have another way that I could submit a complaint through the Department of Veterans Affairs, I 'd be more than happy to do this too. XXXX XXXX XXXX
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

2016-03-07

Macclenny, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Our never ending saga with XXXX XXXX and now JG Wentworth continues. ( After 25 years of being a XXXX XXXX policy holder, they denied a covered flood claim. They denied the claim verbally but never in writing. We went all the way to mediation with no written denial. After many months and much of our time they paid the claim ). Then, XXXX XXXX did not renew us on XXXX/XXXX/15, they did this without any cancellation notice. The local office agent informed us of the cancellation verbally over the phone the week prior to the XXXX of XXXX and we never received a renewal certificate before XXXX/XXXX/15 ( the date of renewal ). That prompted me to contact XXXX XXXX at the Florida Department of Financial Services because it is illegal to cancel without 90 days of notice. I hoped the state would take punitive action against XXXX XXXX. They left us with no time to rectify the situation. The mortgage company who was XXXX mortgage at that time, demanded that we immediately get homeowners insurance and we did not want to go uninsured. Please see attached correspondence from XXXX Mortgage that insurance had expired ( attachment- " Doc- State Farm Insurance Expired '' ). XXXX was notified that XXXX XXXX had n't renewed us. I got insurance through XXXX because we had too. I called and notified XXXX that I was not using XXXX XXXX on XXXX/XXXX/15. I have attached XXXX 's letter of confirmation of that conversation ( doc " confirmation from XXXX Mortgage Confirming that I changed insurance '' ). I told them we had procured insurance with XXXX and not to pay XXXX XXXX " no matter what ''. XXXX XXXX paid the bill to XXXX XXXX XXXX for {$1700.00} on XX/XX/XXXX ( please see attached documentation ). I called the local XXXX XXXX XXXX XXXX office and canceled all insurance, including my autos on XXXX/XXXX/15. I emailed XXXX, from Florida Department of Financial Services, while at the airport, leaving for XXXX XXXX, on XXXX/XXXX/15. I explained that we had gotten new insurance. Please see email below. The next month XXXX sold my mortgage to JG Wentworth. XXXX XXXX illegally sent JG Wenthworth a bill ( 3 months after my cancellation ) for {$1900.00}, which for some unknown reason, XXXX XXXX paid on XXXX/XXXX/15. How did they even get a bill???? How did XXXX XXXX know my mortgage company changed? JG Wenthworth did not notify me of the payment. My monthly mortgage payments just went up several months after that when they did an escrow audit. They said the escrow was negative. Of course it was! They did n't question the fact that escrow had just paid the homeowners insurance 3 months prior to XXXX. They did n't check their records. They unreasonably, and unquestioningly paid another policy for homeowners insurance on XXXX/XXXX/15 with my escrow. That was more than 3 months after the original policy renewal date which expired on XXXX/XXXX/15. Then, they charged me. I need help from the state .... again. XXXX XXXX refunded me {$800.00}. I am owed by JG Wentworth {$1000.00} which they refuse to credit back to my account. This is the mortgage company 's error. XXXX XXXX also needs to be held accountable for their illegal practices and they need to refund that money to the mortgage company. XXXX XXXX and JG Wentworth have embezzled from us {$1000.00}. Please see all the documents pertaining to this. Thanks again for your help.
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

2016-02-22

Enon, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Temperanceville, VA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: I applied for a modification in XXXX of 2015, I was told by my previous lender that the modification was approved. I was initially told my loan payments would go down to the {$1200.00} range, and then I was given documents that stated my payments were {$1600.00}. I was told to make my initial payment on XXXX/XXXX/2015 to the new servicer, JG Wentworth. I made that payment, as well as subsequent payments. My current lender, JG Wentworth is taking my payments, but they are not acknowledging the payments or applying them to my loan. They will not give me any mortgage interest or apply any payments. I have called multiple times and they are stating my information is not being updated in their system and there is no one that I can speak to because underwriting handles it and underwriting does not speak with people. They have also stated that I should still continue to make my payments of {$1600.00}, even though they are not being applied to my account, and even though J. G. Wentworth is sending me statements that say that my payment amount is {$1400.00}.
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

2016-01-18

Jupiter, FL

Settlement process and costs

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2016-01-13

Aston, PA

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

2015-12-21

Haymarket, VA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Marietta, GA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

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

Disputed: No Timely Response

2015-11-19

Dale City, VA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-10-27

Five Points, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: JG Wentworth erroneously held my mortgage loan and while I made XXXX monthly payments to them, the correct mortgage company did not receive my payments. After calling multiple times over a month 's period I was finally able to resolve the dispute only to find out JG Wentworth would not reimburse me the late fees and charges I incurred due to their negligence.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Point Arena Air Force Statio, 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

2015-09-22

Herndon, VA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Bainbridge Is, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

New Bedford, MA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-30

Bellaire, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: On the day before we locked in a mortgage rate I was sent a list of rates and applicable charges/credits. On that day the rate that we preferred was 4.125 % with a 0.25 % XXXX {$530.00} XXXX credit back to us. This was also the one recommended by the mortgage company. Due to the closing date we had to wait an additional day to request the 30-day lock. The following morning I contacted the person at the mortgage company I had been working with and told him we would go with the 4.125 % rate. The paperwork I received the following day showed a {$530.00} CHARGE rather than a credit. When I challenged this I was told, " I thought you knew that interest rates went up and that 's why it 's now a charge. '' Even if I knew that interest rates had gone up, how could I be expected to know how it would affect the points on the loan? And it should have been explicitly disclosed to me rather than my having to notice that a credit had turned into a charge. I believe this was done intentionally with the hope that I would not notice.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Tabb, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-10

Interbay, WA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-06

Washington, DC

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My mortgage was due on XXXX XXXX with a grace period until XXXX XXXX. Given the frantic preparations trying to get my family to XXXX, I did not have time to pay my bills before I left, but I knew I had the grace period and so was okay. When I got to XXXX I attempted to pay the mortgage via the on line payment system as I do every month. I could not log in, and when I went to reset my password, the password never reset and I was never permitted to log in. It appeared that the password was reset but it never worked. I attempted to locate a number to call to pay by phone, but there was no number to pay by phone calling out of the country. The number that did exist could not be dialed internationally. There was also not a number for me to call from out of the country to speak with a customer service representative. At that point my option was to ( 1 ) mail my payment from XXXX ( 2 ) mail the payment from my bank using on-line bill pay or ( 3 ) do neither and resolve the matter when I returned to the States. I opted to do number XXXX because I knew that if I mailed my payments from bill pay or from XXXX, the payment would arrive AFTER my return to the States when the matter would have already been resolved. Immediately upon returning to the U.S., I called WestStar to inform them of the problem and make my payment. I ALWAYS pay my mortgage on time. WestStar said it was my fault the payment was late and would be charging me a late fee. I protested on the grounds that the problem is their system. If they provide a means for customers to make their payments, those means should work and if they do not work, I should not be penalized. It turns out that a glitch in their website payment system does not allow for the passwords to be reset as they should and the customer service rep had to walk me through a process to make the password reset work. WestStar persists in charging me this late fee, which I do n't feel I should have to pay.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-03-13

Dale City, VA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-11

New Bedford, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-04

Washington Green, CT

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response