|
11255110
|
2024-12-24
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Manufactured home loan
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
3997945
|
2020-12-08
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-08
|
| Complaint What Happened |
I believe that Triad Financial is violating UDAAP by implementing unfair practices to individuals who receive a 1099-MISC for their pay, along with pay stubs from the employer, as opposed to those who receive W-2s.
Even after attempting to speak with the mortgage underwriter as well as a manager in mortgage underwriting, their procedures blatantly revealed a prejudice toward individuals who are self-employed or are independent contractors through a company.
The company does not use your actual income, but the income that they perceive based on whatever lending practices that they have established, which do not treat 1099 employees the same as W-2 employees. The company asked for information to include bank statements, tax returns, verification of other income, and pay stubs ; however, they disregarded and misinterpreted information seemingly maliciously to deny a mortgage application. In fact, twice I was advised by their employees that " there was nothing else they could do, '' which was also extremely unprofessional.
I have previously applied for a mortgage, was approved, and even just recently paid it in full with the same job that I've been working since 1987. I advised the company of this information and still they gave no further assistance, brushed me to the side, and upheld their unfair lending practices. I would greatly appreciate these practices being reviewed as they are clearly unfair.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3816091
|
2020-08-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8306515
|
2024-02-08
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, 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 |
Manufactured home loan
|
| Date Received |
2024-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-12
|
| Complaint What Happened |
On XXXX XXXX i received a letter from my mortgage company for late mortgage payments. When i first started making payments I was paying {$1200.00} now as of XX/XX/year> my payments went up to {$1700.00}
|
| Consumer Consent Provided |
Consent provided
|
|
|
633518
|
2013-12-13
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
No
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-12-13
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-12-17
|
| Consumer Consent Provided |
N/A
|
|
|
2553931
|
2017-06-20
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2017-06-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-20
|
| Complaint What Happened |
I was late for the month of XXXX but paid on XXXX/XXXX/2017 for the month of XXXX. The XXXX payment will be a little late due to financial set back.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7155461
|
2023-06-22
|
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 |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-22
|
| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
|
| Complaint What Happened |
Morgage company keeps changing amounts due and not helping with issue
|
| Consumer Consent Provided |
Consent provided
|
|
|
6130463
|
2022-10-26
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3600595
|
2020-04-09
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-10
|
| Complaint What Happened |
To date, my phone calls, voicemails and emails are being ignored. I despise that and feel totally disrespected. Triad Financial website states " world class Professionalism : ... I'm finding XXXX. On XX/XX/XXXX I was able to speak to the VP who found this " lost '' cashier check dated XX/XX/XXXX for {$46000.00} and said he would have it applied on the principal of my {$76000.00} loan, have my account recasted as it would make a big difference in my payments and send me an amortization schedule. EVERY DAY I still find only {$34000.00} applied to the principal. By the way, my contract clearly states no penalty for prepayment. My first payment on XX/XX/XXXX and second on XX/XX/XXXX are posted XXXX ... incurring undue extra interest. They have made future payments ( surely including interest on the larger amount ) and the website shows I do not owe a payment until XX/XX/XXXX ... 74 days away! I am still going to stay on schedule and make the XXXX payment. {$41000.00} is hanging in " mortgage ''. No communication nor correction to my account has caused enormous stress from someone not being honest. I think about this constantly. I am XXXX years old and used my life savings to buy this XXXX mobile home and am now helpless in this mismanagement of my money. I have sent a letter to CEO on XXXX and unfortunately not received a phone call nor any response. Is this normal practice? Is this legal??? Please help me to have an accurate posting, date AND money. This is stealing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3491191
|
2020-01-09
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-01-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-09
|
| Consumer Consent Provided |
N/A
|
|
|
6472363
|
2023-01-22
|
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 |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-22
|
| Complaint What Happened |
Adverse action by Triad Financial Services Inc when applying for chattel loan. XXXX took my application and used my social security number and I received no benefit. They contacted XXXX who reported inaccurate negative information after I initiated a dispute many months ago.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5249652
|
2022-02-22
|
Closing on a mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2022-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-22
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX emailed to me the closing contract from Traid. The closing date was XX/XX/XXXX. The contract was signed and delivered to XXXX XXXX XXXX XXXX XXXX by XXXX XXXX of XXXX Fl. However, on XX/XX/XXXX, I received an email from XXXX at XXXX XXXX notifying me that Triad was not honoring the contract because they wanted the home to be my primary. I have an email from XXXX, XXXX showing that I would be keeping my primary home in XXXX XXXX, FL. This has caused a lot of stress and XXXX to me with them back out of the process this late, after the closing date. I have spent a lot of money on down payment, clearing the property, having dirt brought in, septic tank installed, permits, labor, and attorney fee.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5619894
|
2022-05-31
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9194573
|
2024-06-06
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-06-06
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-06
|
| Consumer Consent Provided |
N/A
|
|
|
4027704
|
2020-12-22
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated attorney, law enforcement, or government official
|
| Sub Product |
Mortgage debt
|
| Date Received |
2020-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-22
|
| Consumer Consent Provided |
Other
|
|
|
3928889
|
2020-10-30
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-30
|
| Complaint What Happened |
I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my XXXX report.
This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health.
Additionally, they are not updating payment and balance information on the one REAL account.
They had promised resolution 2 months ago and data was in fact remove from my XXXX report but remains on XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2137507
|
2016-09-28
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
TRIAD FINANCIAL SERVICES, INC.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-30
|
| Complaint What Happened |
i built a modular home on XXXX, fl. in XXXX county. triad financial handled to loan. florida law changed XX/XX/XXXX to allow titling of modular homes if XXXX criteria are met. it must be modular AND on a mobile home lot. zoning for the lot i built on does NOT allow mobile homes. i informed triad that it can not be titled. they did so anyway and charged me for the fee. i visited the dmv office in XXXX county. they told me it should not have been titled but was at XXXX. they assured me they could get it fixed and issue real property designation. they called later to tell me they can not do so while triad has a lein on the property. triad could transfer the lein to the land but will not do so. the home has been declared permanent by XXXX county and the state of florida. i can not refinance without real property designations i should n't even need to aquire. the home is permanently affixed to the land. i have n't been able to find anyone else that will finance.
|
| Consumer Consent Provided |
Consent provided
|
|
