|
6083009
|
2022-10-13
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-10-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-13
|
| Complaint What Happened |
On XX/XX/XXXX I signed, before a notary, a Partial Claim Mortgage agreement for my Loan, with Homepoint Financial which was my current mortgage servicer at that time. On or about XX/XX/XXXX the loan was transferred/sold to XXXX XXXX XXXX I was told by Homepoint that moving forward I would be paying my mortgage obligation to XXXX XXXX as they are the new mortgage servicer. When I went to pay I was told by XXXX that I owed the total of the forbearance amount plus the XXXX payment. Looking into it, I was informed that all the original docs were not forwarded to XXXX XXXX by Homepoint and they were refusing my payment. Unable to resolve the issue, and after many attempts, I reached out to CFPB ( Complaint # XXXX ) for help. On XX/XX/XXXX XXXX XXXX responded to the complaint and stated that " ... After a review, we were able to get a copy of the executed loan modification documents from Homepoint and have applied the modification to your loan. '' After, they accepted and apply my mortgage payments accordingly, however, I am still being forced to sign a new agreement with XXXX XXXX. The problem was not resolved as answered to the CFPB, and they want me to sign again a second agreement with no proof that I wouldn't be held responsible for the first one. Every month I receive these documents to sign. When I speak with loss mitigation I'm told that, in fact, they did not receive that documents from Homepoint and they are holding me responsible again. Homepoint and XXXX XXXX need to resolve this issue between themselves. I have no power here I do not possess the originals as they were sent to Homepoint Financial and acknowledged received by Homepoint Financial.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4166927
|
2021-02-26
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-26
|
| Complaint What Happened |
In XX/XX/XXXX, I accidentally, thru my personal bank, XXXX website, submitted XXXX mortgage payments in the amount of {$2500.00} each payment toward my XXXX payment to Home Point Financial. These payments were submitted on XX/XX/XXXX and XX/XX/XXXX.
Upon realizing this error, I contacted Home Point Financial. We both agreed that there was an overpayment, and agreed on a refund. We agreed that out of the {$2500.00} that {$1300.00} would go toward an escrow shortage, and the remaining {$1100.00} would be put toward my XX/XX/XXXX payment. I have a letter from XXXX XXXX which shows this agreement.
On XX/XX/XXXX, I submitted a payment of {$1400.00} to go along with the {$1100.00} that XXXX XXXX agreed to move toward my XXXX payment, which would have kept me up to date on my monthly payments.
As of XXXX on XX/XX/XXXX XXXX XXXX has not moved the funds as they agreed to do. They are considering the {$11000.00} a partial payment and are not applying it to my XXXX XXXX payment. They have not yet moved my extra payment out of Principal toward my escrow shortage or my XXXX payment as they had offered and agreed to do. This is now causing a showing of a delinquency on my part.
I am in the process of trying to refinance my mortgage through a private lender, and now my most recent mortgage statement is showing a late payment.
I have reached out to XXXX XXXX a total of XXXX times to resolve this issue and it is still not complete.
at XXXX on XX/XX/XXXX I made a payment in the amount of {$2600.00} from my checking account to XXXX XXXX just to not end up having a 30 day late payment against myself. I was given a confirmation number of XXXX from the representative over the phone. I asked for an email confirmation and she was told she was unable to provide that to me.
XXXX XXXX as of this email has an extra payment of {$2500.00} plus a partial payment of {$1400.00}, along with the payment I made tonight in the amount of {$2600.00}.
It has been over 30 days and XXXX XXXX has made no attempt to resolve this in a fair amount of time.
They have had actually more money than needed and yet still causing a delinquency to show on my end!
|
| Consumer Consent Provided |
Consent provided
|
|
|
4005506
|
2020-12-11
|
Problem with a credit reporting company's investigation into an existing problem
|
Mortgage
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-11
|
| Complaint What Happened |
When Covid-19 hit I chose to do a Forbearance on my account. The forbearance ended and I began making payments to catch up, and I was told there was not credit report action being taken since I was in forbearance and making payments. On XX/XX/XXXX I called to make a payment of {$1800.00}, which I accidentally had come out of the wrong account, however I called on XX/XX/XXXX to fix it. I was reported as 60 days late on my credit report, which is incorrect based on what the agents have told me. The agents told me on XX/XX/XXXX that I was only 30 days behind and that {$1800.00} would catch me up to being current. I called today to find out why I am being reported to the credit report for being over 60 days late when that is not correct. No one has been able to explain this to me the same way twice, and I have been in a financial hardship with them which was supposed to suppress credit reporting.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3815171
|
2020-08-26
|
Incorrect information on your report
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
VA mortgage
|
| Date Received |
2020-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-26
|
| Complaint What Happened |
I have called Homepoint Financial about my credit report being reported as a debt for XXXX and XXXX when the government stated no credit reports will be affected by late payments of mortgage. They have not fixed the problem and my credit score is still showing the incorrect score and status. I also Forbearance my mortgage and they are sending delinquent notices.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3351863
|
2019-08-23
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3286528
|
2019-06-25
|
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 |
Home Point Financial Corporation
|
| 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 |
2019-06-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3621344
|
2020-04-24
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-04-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-24
|
| Complaint What Happened |
The lender keeps messing up on my income even when I clarified their questions.
I don't know what else to do at this point and they are just trying to take my home!
|
| Consumer Consent Provided |
Consent provided
|
|
|
4225521
|
2021-03-18
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2021-03-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-18
|
| Complaint What Happened |
At the beginning of the pandemic hard times fell upon my family within my household. Home Point Financial offered me a forebearance option to get things situated and everyone safe. I applied for the forebearance but only needed it for four months ( XXXX-XX/XX/2020 ). I was current on all payments before that. Since XX/XX/2020 I have made all payments to date. I was originally told that I would have options to repay the four missed payments and that I would be able to choose one most suitable for my family. That is not the case. I have spoken to representatives for the past nine months appealing the only option they are now offering me which is to do a loan modification that restarts my loan at its original 360 month terms. They have tacked {$9000.00} onto my principal balance. The interest rate, even though they dropped it .25 % from XXXX to XXXX seems to increase my payment by {$25.00} a month. All I need is for the four delinquent payments to be added to the end of my loan. Such a Deferral was in fact listed as an option when the plan originally went into affect. If I accept this proposed loan modification I will lose 18 months of payments and add another 18. This is over {$60000.00} that I will be in essence paying for what appears to be a great injustice given the global and national crisis at hand. I can only imagine how many others are being taken advantage of by HomePoint and XXXX XXXX. I have contacted both XXXX XXXX and HomPoint continuously with horrible responses and no compassion. The VA has stated that they have now power or control of any terms being offered. Please help! We need help!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3440515
|
2019-11-16
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2019-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-16
|
| Complaint What Happened |
I have sent in my mortgage payments and Home Point is returning them. They first told me to send a check which I did. Then they returned it. Then they told me to XXXX XXXX it which I did. They returned it once again now stating I have to pay 2 complete months. Now I am 3 months behind and they will not accept anything other than 3 full months and need it by next week. They will not work with me at all. I spoke to a HUD office and they told me they should be accepting at least one payment so that I do not fall behind. I feel like they are doing this so they can keep adding fees to my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6353848
|
2022-12-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-22
|
| Complaint What Happened |
i made my payment on XX/XX/2022 but XXXX bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the XXXX credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt XXXXXXXX XXXX help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the XXXX bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX bank and the returen that i was not awaere of
|
| Consumer Consent Provided |
Consent provided
|
|
|
4052135
|
2021-01-06
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-06
|
| Consumer Consent Provided |
Other
|
|
|
4062812
|
2021-01-12
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-12
|
| Complaint What Happened |
Homepoint financial has not responded to my phone calls or messages for the last year over an issue with loan for a home in XXXX, CA.
They operated with two different portals and at first said they did not have any of my information as the co borrower, for their failure to inform me of any issues regarding of late payments or the home entering foreclosure.
We tried to remedy the issues with an explanation of why we were not informed including credit disputes but they were insisted on proceeding with foreclosing and not interested in providing on little to no information as to co borrower rights. I finally discovered Home Point had no information for the co borrower in regard for communication and had to provide them with everything all over again. Still they would not allow me to pay over their online pay system and had to make payments over XXXX XXXX.
No communication was sent or afforded with proper time to prevent fees, hardship, negative credit reporting, and preventing future dealings after the account has been paid in full and dealing with all these issues from Homepoint financial.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4045632
|
2021-01-04
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-04
|
| Consumer Consent Provided |
Other
|
|
|
3878215
|
2020-10-01
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-10-01
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-02
|
| Consumer Consent Provided |
N/A
|
|
|
3785971
|
2020-08-08
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-08
|
| Complaint What Happened |
I had to put my mortgage on forbearance for a couple of months this year, because I had lost my work. When work started again, I was struggling to keep all my finances in order and make all payments on time. I removed the forbearance from my HPFC ( home point financial ) mortgage at XXXX XXXX XXXX, as soon as I got back to work. When I had removed the forbearance, HPFC immediately increased my mortgage payment for what they said, was a deficit in escrow. This, albeit, placed a further financial burden on me, regardless I made my mortgage payment as soon as funds cleared my XXXX ( XXXX XXXX XXXX ) account from the sale of a property. XXXX XXXX XXXX indicated to me that funds were available for use, and so I went ahead with my mortgage payment. When I had learned that the mortgage payment that I made to HPFC was returned on XX/XX/2020, I immediately made another payment ( on the same day ) to them for the same account to correct the error. The payment was accepted on their website, and a green message indicated " thank you for your payment ''. I thought nothing more of it, and heard nothing about it until I received a paper envelope in my hose mail box indicating that my payment was late! I was shocked and immediately logged into my HPFC mortgage account and discovered that my 2nd payment made on XX/XX/2020 was ALSO returned, I didn't know why this would be, as I had the funds in my XXXX account to cover the payment. I called HPFC and inquired why the 2nd payment was returned and they told me that information had been entered incorrectly. I told them that I had made the payment on their website and it went through. They said that it was some type of error and the payment had not actually gone through.
I want to do the right thing and pay my bills, I am appalled that this error would have been marked negatively on my credit score. This time of COVID is a great financial struggle for all, and I want to certainly be responsible and reasonable. I strongly feel that the error on HPFC 's part should NOT reflect negatively on my credit reports, and I am outraged at HPFC treatment of my on the phone and lack of responsibility. They had told me they tried to call me, but I have received no call from them. They did not email me, text me. They sent a paper letter in the USPS which arrived days after the 2nd payment was made. Also, feel free to call my cell XXXX. Thank you, and please help me. I appreciate your efforts in my behalf
|
| Consumer Consent Provided |
Consent provided
|
|
|
3595033
|
2020-04-06
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2020-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-06
|
| Complaint What Happened |
I have been trying to work with my lender and get help but they just keep giving me the run around. I provided them pay stubs and all the other supporting documents that they have asked for.
Today they denied me because they could not verify my income. I am a XXXX employee how do they not verify my income when i sent them pay stubs to support.
I am beyond enraged with their terrible service!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6342120
|
2022-12-20
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-12-20
|
| Submitted Via |
Web Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-21
|
|
|
7302280
|
2023-07-25
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-25
|
| Complaint What Happened |
In XX/XX/2023 I was sent the annual escrow analysis for my loan. The letter indicated there are over {$7000.00} of surplus in the esctow and that this surplus would be refunded in a different mailing. As of XX/XX/2023 nothing was refunded so I reached out to the company to follow up. The representative XXXX assured me it would be refunded immediately by check. By XX/XX/2023 nothing was refunded so I reached out again to the company. The representative XXXX escalated the case with the assurance that a manager will contact me within 48 hours. As of today, XX/XX/2023 nobody has contacted me and no refund has been received.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2951015
|
2018-06-29
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-09
|
| Complaint What Happened |
Homepoint is unfairly charging me {$130.00} for forced placed insurance coverage. On XX/XX/XXXX I mailed a copy of the my XXXX renewal to Home Point. On XX/XX/XXXX I received a letter requesting proof of coverage. I uploaded and faxed proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying wind coverage is required. ( XXXXXXXX XXXX, who sold the loan to Homepoint, did not require wind coverage ). I purchased new coverage including wind effective XX/XX/XXXX.
I complied with Homepoint 's request within 24 hours I will not pay for forced placed coverage as the delay was on the part of Home Point Mortgage. Had Homepoint notified me in a timely manner there would be no issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3371886
|
2019-09-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-12
|
| Complaint What Happened |
Refinance loan was done through this lender and the lender never paid the old bank with the pay off amount. so therefore now there is 2 loans showing on my name, where the 1st one should've have been paid off by this lender when i did the refinance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3072851
|
2018-11-13
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-13
|
| Complaint What Happened |
I open two loans. Loan.XXXX and Loan. XXXX, At that time i had set up both accounts for automatic payment. I have funds in bank and can be proved.
I never got confirmation on either of the account if the Auto Pay has been set up or not. When i log back in to my account online, they both still don't show if there is a Auto Pay set up.
I had then called the customer Service and was assured that all is in working order and nothing to worry about. I now found 30 Day Late being reported to my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6109720
|
2022-10-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-20
|
| Complaint What Happened |
I had a mortgage loan from the company called Homepoint ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4009104
|
2020-12-14
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-14
|
| Consumer Consent Provided |
Other
|
|
|
3920732
|
2020-10-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2020-10-27
|
| Submitted Via |
Fax
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
3421999
|
2019-10-29
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-29
|
| Complaint What Happened |
Please be advised that I refinanced my home through XXXX XXXX XXXX XXXX with their representative XXXX XXXX and XXXX XXXX the attorney representing Home Point Financial, the new lender. It has come to my attention that the loan pay off funds payable to XXXX XXXX XXXX fraudulently was misdirected to an account controlled and owned by XXXX XXXX XXXX and or XXXX XXXX called XXXX XXXX XXXX instead of XXXX XXXXXXXX XXXX.
This fraud has resulted now in their existing two competing mortgages on my property. I have been told by the title company XXXX XXXX XXXX that XXXX XXXX XXXX needs to put forth an immediate title claim as their existing lenders.
But XXXX XXXX XXXX refused to put in a claim stating that Home Point Financial who did the refinanced would have to put in a claim, which XXXX have contacted Home Point also and have requested Home point to file a claim. But Home Point Financial refused to put in a claim as well.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2958431
|
2018-07-10
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-07-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-11
|
| Complaint What Happened |
Home Point Financial is the mortgage company. I live in a condo and they are the mortgage company. They are only supposed to pay insurance for my apartment a total of {$300.00} a year. In XXXX they erroneously paid {$2400.00} to a different insurance company to pay for the master insurance on the whole house - an error. This was supposed to be paid by the Condo Association. I repaid them the full amount and they raised my escrow {$400.00} per month. They are not even crediting me with my regular payments - but are keeping it in a separate account. All my calls, letters, and emails have gone nowhere. Please help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4106618
|
2021-01-31
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-31
|
| Complaint What Happened |
Homepoint financial has failed to inform me the co-borrower of any issues with the property in XXXX, CA. They state that notices were sent in XXXX of 2019 and the account would be in foreclosure in XXXX. They also sent me the 1 year occupancy statement to remind me that I had to remain in the property for at least 1 year. It has been difficult to communicate with Homepoint financial with over 1 hour wait times to speak with anyone and very difficult to pay off the note when they did not allow me to through their system and forced me to use other methods with other fees.
Homepoint financial addressed both primary borrower and co-borrower in one letter, so when I moved after 1 year I did not receive any correspondence after changing my address with USPS and confirmed it when I called them as they had no contact information for me when they switch systems. They still do not respond through any other mediums other than snail mail.
They try to claim I was informed of the issues going on with the note but I was not as you can not mail out one letter to two people!
|
| Consumer Consent Provided |
Consent provided
|
|
|
4094307
|
2021-01-26
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2021-01-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-26
|
| Consumer Consent Provided |
N/A
|
|
|
5817561
|
2022-07-27
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-07-27
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-27
|
| Consumer Consent Provided |
N/A
|
|
|
5909633
|
2022-08-23
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Home Point Financial Corporation
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-08-23
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-23
|
| Consumer Consent Provided |
N/A
|
|
