|
3356523
|
2019-08-28
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2019-08-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-28
|
| Complaint What Happened |
On XXXX of XXXX, I closed on my home. During the closing the figures were not correct according to the closing attorney. She advised me to continue with the closing, pay the monthly amount plus additional to complete the total amount that the mortgage was supposed to be. In doing so for several months, and also contacting Plaza Home Mortgage on several occasions. I was informed by a few representatives to cease sending in additional payments as my monthly obligation was enough and correct. Fast forward a year a some months later I received a letter stating that my monthly mortgage would be increasing to XXXX monthly. I was not in a financial position to pay this huge increase, so i was advised to apply for a loan modification. After applying for a second time ( since the first time I was denied because the mortgage company said I had to be behind in order to get approved ), I was approved and was given a 90 day trial to pay The amount required. After the 90 days I received a final mortgage approval packet to have signed/dated/notarized after reading. I took care of getting that done and was required to send it back certified mail. After sending back the signed documents I eventually received the packet back. No where in this packet or in HUDs packet was this undisclosed amount. I hired an attorney in which it took the attorney two years exactly to find this undisclosed lien/second loan. Also in finding this amount with a third party of HUD were my supposed signatures on a promissory note that I have never seen until Friday XX/XX/XXXX. I spoke with a second attorney whom had thoroughly explained where this undisclosed amount have possibly come from, but the attorneys also agreed that something was missing from my documents ( The disclosures of what I was supposed to be financially responsible for due to the loan modification ). I was unable to refinance in XXXX, which is when I found out about this undisclosed amount of money that was being held against my property. The mortgage company and or third party XXXX XXXX XXXX failed to include in my documents the promissory note and the second packet of which this undisclosed lien Ian being held.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2465882
|
2017-04-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-25
|
| Complaint What Happened |
This is in regards to Loan # XXXX with Plaza Home Mortgage Inc . On XXXX XXXX XXXX , XXXX , the home owner completed and submitted a loan modification packet with the assistance of a housing counselor to Plaza Home Mortgage. On XXXX XXXX , the home owner informed the housing counselor that Plaza Mortgage was requesting updated information, and the home owner and housing cousnelor submitted the requested information/documents On XXXX XXXX , XXXX . On XXXX XXXX , writer spoke with a representative from Plaza Home Mortgae , and the represntative stated the homeowner will need to resubmit the entire packet with updated documents ( bank statements, pay stubs, etc ) as well as have updated signed documents. On XXXX XXXX , XXXX , the documents requested by Plaza Home Mortgage were emailed to the loss mitigation Dept. of Plaza Home Mortgage. On XXXX XXXX , XXXX , housing counselor spoke with a representative from Plaza Mortgage. The representative provided the housing counselor with a list of items needed for the loan modification. Housing counselor noted that some items identified by the representative have already been submitted to Plaza Home Mortgage. The representative stated that the forms needed to be signed and re-dated. On XXXX XXXX , XXXX the documents requested were emailed to P { laza Home Mo rtgage. On XXXX XXXX , XXXX , Plaza Mortgage was requesting yet again more documents/information from the home owner. This was submitted via email by the housing counmselor on XXXX XXXX , XXXX . Finally, On XXXX XXXX , XXXX , housing counselor spoke with a representative from Plaza Home Mortgage and the representative stated the application is missing documents. Writer asked the representative to identify the documents needed. Housing counselor noted that the documets had been submitted via email over the months of XXXX XXXX and XXXX XXXX , and the documents were submitted by the housing counselor on the home owner 's behalf.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2978160
|
2018-07-31
|
Closing on a mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-31
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2585333
|
2017-07-25
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-26
|
| Complaint What Happened |
We refinanced in XX/XX/XXXX and Plaza was the new bank. The first payment, due XX/XX/XXXX,
was in the amount of {$5000.00}. This amount- including taxes and insurance and based on an interest rate influenced our decision to refinance with Plaza. My XX/XX/XXXX statement, which is attached, notes the same amount. However, when I went online to make the XX/XX/XXXX payment, the amount due was shown as {$100.00} more. When I called Plaza, I was told that it was because of a shortage in the escrow account. They claimed to not know when the taxes were due and how much.
This is not acceptable to me and reeks of predatory lending practice by enticing a customer into a loan and then changing the terms ( bait and switch ) and it is illegal. A mere five months ago, Plaza obtained a title report showing the taxes on my house- school and town. The tax page of that report is attached as well and shows the town tax of {$6800.00} paid for XX/XX/XXXX ( the school tax is divided into two payments of {$6300.00} each, due in XXXX and XXXX ). In XX/XX/XXXX, I had received the attached notice from my town stating that Plaza had not paid my taxes. I had to call twice because the first rep blamed it on the title company. At closing, the title company had collected ( and paid ) my school tax due in XX/XX/XXXX. Because the three tax payment amount are similar, your rep was easily confused. Taxes in New York are higher than other parts of the country. I hope Plaza paid the interest that my town imposed, as I should not be responsible. If a lender insists on paying taxes and insurance and escrowing for same, they should have the decency to note the due dates and avoid penalties. Still- Plaza knew this amount was due and calculated its payment and escrow from the title report. The tax amount has not increased! It had actually decreased by approximately {$6.00} even with the penalty- to {$6800.00} from the title report amount. Therefore, I am puzzled as to why Plaza would feel it appropriate to increase my payment amount. I have sent them a letter and called to follow up ( 20 minutes on the phone ) to no avail.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2006924
|
2016-07-11
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2016-07-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I took a XXXX mortage thru plazza home mortage. They had me put {$3500.00} extra in escrow. They have since lost the {$3500.00}. No one will speak with me. Have been calling since XX/XX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
566918
|
2013-10-22
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-11-25
|
| Consumer Consent Provided |
N/A
|
|
|
1566079
|
2015-09-15
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2015-09-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-09-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2786229
|
2018-01-18
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-01-18
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-18
|
| Consumer Consent Provided |
N/A
|
|
|
1622290
|
2015-10-23
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3358209
|
2019-08-29
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-08-29
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-29
|
| Consumer Consent Provided |
N/A
|
|
|
8361577
|
2024-02-16
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-16
|
| Consumer Consent Provided |
Other
|
|
|
740225
|
2014-03-03
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2014-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-03
|
| Consumer Consent Provided |
N/A
|
|
|
4014685
|
2020-12-16
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2020-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-16
|
| Consumer Consent Provided |
Other
|
|
|
4613595
|
2021-08-09
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2021-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-09
|
| Consumer Consent Provided |
Other
|
|
|
4591381
|
2021-07-31
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-31
|
| Complaint What Happened |
I have a mortgage with Plaza Home Mortgage with loan # XXXX. I follow the instructions on their website. Their website recognizes the information of my loan and it forwards me to the servicer. The servicer yourmortgageonline.com does not recognize the information of my loan, so I can not make the payment. This may cause 1-2 days delay. They will not answer phone calls in the weekend.
Thanks, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2317458
|
2017-01-30
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2017-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
5377578
|
2022-03-28
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3512965
|
2020-01-29
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-29
|
| Complaint What Happened |
In XXXX I was put into a loan modification program which I completed. I made my 3 trial payments on time starting XX/XX/XXXX and completed it XX/XX/XXXX. Was notified I will be given a letter of my monthly payment, but was told it over the phone. Since that time I have been making my monthly payment with no problem and haven't missed a payment. They turned my file over to there law firm anyway and in XX/XX/XXXX sent me a letter stating that my loan modification was denied and they wouldn't speak to me. I contact the law firm that was associated with the bank and they refuse to speak with me which resulted in me paying more money to hire an attorney. The attorney stated as long as they are taking your money out the bank don't worry about it.
This is predatory lending because they are keeping me in limbo messing up my credit, my bank account and loan. Now since I said this needs to be resolved and if not I will file a complaint they stop accepting my checks and is trying to take my house.
They have financially cause me a lot of problem and I need this corrected.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4344361
|
2021-05-02
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-02
|
| Complaint What Happened |
Back in XXXX I started with plaza mortgage and its been downhill. In XXXX I received a letter that my mortgage will go up do to a shortage in my escrow. come to find out when i called plaza, they jumped the gun and paid my taxes and not waited for my attorney 's check to clear. That was the reason why my escrow was short, they went into my escrow and paid my taxes. I was told by customer service that not to worry that plaza would pay me back. So now my taxes are paid for the year. Now to the next. Back in XXXX of XXXX I receive another letter that my mortgage will go up do to unsificiant home insurance. I called and was told to email them a copy of my policy and I sent it to them 4 times. Every time I called the answer was they were fixing it, but nothing was done. now in XX/XX/XXXX they raise my mortgage because they added a new insurance policy to my mortgage. I continue to make my regular payment because I knew they were wrong. now after 3 months called plaza again and I got some answers finally! it was the address. I have a 2 family house and the way they have me listed is XXXX XXXX XXXX My policy has written XXXX XXXX XXXX something so simple! But nobody caught the mistake not even the supervisors. Now I am being told that I have to make the full mortgage payment with the extra insurance on it. that is crazy! they see the mistake and they still want me to make those payments. I was be told that I was going to be delinquent for non payment. I was about to make another purchase and di not need a negative report on my XXXX XXXX, so i made the payment. then in XX/XX/XXXX they refund my escrow. I Received a check for a escrow refund. now I ask them to please give me a break down on how I got this check and the answer is they can't do that. How is that possible?? now the following month my escrow is short again! how can this be??? so what do I do, I pay it!!! Now I asked them about my refund of the taxes. now no one knows nothing!! I'm being told that there is no double payment and what they only see is a small overage of {$41.00} on file. I then called the city of XXXX tax dept. and was told that there was 2 payments paid on XX/XX/XXXX. My attorney and plaza. so i look at the history of all my payments to plaza and see they continue to take out the tax money from my escrow without foul and see in XXXX of XXXX there was no payment maid to the city of XXXX. I then see XX/XX/XXXX a escrow refund of {$5800.00}. they claim they mailed it out to me. I never received anything!! Not even a call or another attempt to give me back my money. My money sitting in their bank collecting intrest ... They also claimed they mailed me out a application to get my {$41.00} from the city. supposently they mailed it out XX/XX/XXXX and still nothing. its just a game for them. from the start its been a nightmare with this company!!!!
on page XXXX XX/XX/XXXX you will see they took from my escrow page 4 you will see XX/XX/XXXX the refund of my taxes and no payment to XXXX page 2 on XX/XX/XXXX the refund to my escrow for the hazard insurance on page XXXX XX/XX/XXXX escrow refund of {$2900.00} that I got and can't get a breakdown on how they came up with that amount..
|
| Consumer Consent Provided |
Consent provided
|
|
|
2756080
|
2017-12-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-12-15
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-15
|
| Consumer Consent Provided |
N/A
|
|
|
4811125
|
2021-10-14
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-14
|
| Consumer Consent Provided |
Consent withdrawn
|
|
|
2720193
|
2017-11-03
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2017-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-03
|
| Complaint What Happened |
Multiple loss mitigation reviews have been attempted in XXXX and XXXX where endless requests for documents caused the reviews to be closed. Once documents were submitted new requests were made and this went on for months. The financial situation changed and the borrower submitted a loss mitigation package to the lender on XXXX/XXXX/XXXX these documents were reviewed with the processor XXXX XXXX in a lengthy hour long conversation with an authorized 3rd party on XXXX/XXXX/XXXX. XXXX XXXX detailed exactly what he would need and written explanations of the change in circumstance along with supporting documents. The change being that he now lives in the property, his wife and himself are separated and he no longer shares a bank account with her, he opened a new account, and the previous property that was included in the last review with rental income is his wifes property and he has no ownership or connection to the deed or the loan for the property, besides he lived in it at one time. These explanations were sent into them the same day requested, XXXX/XXXX/XXXX. This request was never put in writing as required by 12 CF 1024.41 so the request should have been deemed to be complete. Calls daily following the submission of the documents was placed. XXXX XXXX advised on XXXX/XXXX/XXXX that he had not reviewed the documents but he set an appointment to have it reviewed and a call to be placed at XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX never called. At XXXX XXXX that day, a call was placed to him and when asked why he had missed his appointment he stated umm another call came up. His manager was then asked for. XXXX XXXX, got on the line and the change in circumstance was reviewed with her over the phone and the corresponding letter of explanations were discussed. She stated that he there was additional information that was being requested that was not advised previously ( utility bill ) but that they would move forward and send over a request to XXXX XXXX to see if they will postpone the foreclosure sale to allow for loss mitigation review with the change in circumstance. She as well, NEVER CALLED and missed her appointment for follow up. A call was placed to her on XXXX/XXXX/XXXX and when asked why she never called she apologized and said her managers were still reviewing the change in circumstance to see if they have everything they need. It has now been 6 business days for reviewing the explanations and 10 business days for completion and nothing was ever put in writing for requesting information. When another representative attempted to assist they asked again for information that was explained could not be provided, like bank statements for XXXX for an account that was opened in XXXX. The package should have already been reviewed and a request in writing would have already needed to be made if it was not complete according to 12 CF 1024.41.
They also are failing to follow the guidelines of 12 CF 1024.40 and provide continuity of contact. They are not following up with appointments and not communicating in a timely manner requests. It is because of this pattern of failed communication and not reviewing documents in a timely manner with written requests for additional documents, a completed loss mitigation review was not able to be done while eligible for the HAMP program. There is now a sale date of XXXX/XXXX/XXXX and the package was submitted on XXXX/XXXX/XXXX. No request for postponement has been made to the investor yet, because 14 days later they are still reviewing the package for completeness. They are purposely failing to provide a proper loss mitigation review in order to attempt to follow through with the foreclosure, and their handling of loss mitigation reviews have been incompetent and not following procedural guidelines during every attempted review.
The borrower also did not receive any documentation in writing stating the last day eligible for loss mitigation review.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2895438
|
2018-05-03
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-05-03
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-03
|
| Consumer Consent Provided |
N/A
|
|
|
3953726
|
2020-11-13
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2020-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-13
|
| Consumer Consent Provided |
Other
|
|
|
2471709
|
2017-04-30
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2017-04-30
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-17
|
| Consumer Consent Provided |
N/A
|
|
|
1682916
|
2015-12-03
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-08
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9620923
|
2024-07-26
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Fees charged
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-07-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-26
|
| Complaint What Happened |
I fell behind on mortgage payments and my loan was put into active foreclosure. I was told I would need to pay all of the past due amounts to get it out of foreclosure. Once I made the past due balance they said I needed to pay an additional {$2500.00} in fees- which is essentially an entire month 's worth of mortgage payments. I was never told this. When I sent them the money they requested they then said I owed an addition {$2500.00}. I think they're scamming people and trying to make additional money on the loan. They also, for whatever reason, increased my monthly loan payment by nearly {$400.00}. I do NOT have a variable APR loan. Please help. I have a mortgage with Plaza Home Mortgage Company and I am XXXX. They have a history of racial discrimination and I would not put it past them to be employing racist tactics again to generate more money on my loan.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8542473
|
2024-03-13
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
| Sub Product |
Reverse mortgage
|
| Date Received |
2024-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-13
|
| Complaint What Happened |
My house was severely damaged by fire, In XX/XX/XXXX. Since then, I no longer have the single rental income that I was dependent on to help me in paying my Reverse Mortgage obligations ( Retaxes, Insurance, Water/sewer ). I am a XXXX old, XXXX man living on my Social Security Income. My Insurance Company denied my claim and I have filed suit against them in Federal Court. The decision is scheduled for XX/XX/XXXX.
Since the fire, I have met all my obligations, yet my Loan Servicer, Plaza Mortgage foreclosed on my property, because I had not fully paid my insurance. I borrowed the money to meet the Insurance payment and the foreclose is temporally removed. Since I depleted all my savings to meet my mortgage expenses, I now find myself unable to meet any of my mortgage expenses on time. Although my mortgage holder is aware of my current situation they continue to harass and threaten me with foreclosure. I am a very sick man and this pressure from Plaza Mortgage is having a profound effect on my health, I have since learned that Mortgage servicers like Plaza, employ tactics and impose illegal charges on individuals like myself. I am seeking the assistance of CFPB, as I try to keep only asset I have, my home. Please let me know where I can seek help ( financial or other ).
Meanwhile, I can only watch as the inflated interest rates literally rip the value out of my house. Because I have a adjustable interest rate for the past two years is over 12 %.
Please help or advise me on how to proceed, going forward. Thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
12298357
|
2025-03-04
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
PLAZA HOME MORTGAGE, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
USDA mortgage
|
| Date Received |
2025-03-04
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-04
|
| Consumer Consent Provided |
N/A
|
|
