|
11042173
|
2024-12-05
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Closing disclosure or other related disclosures
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
| Consumer Consent Provided |
Other
|
|
|
11471428
|
2025-01-10
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
FHA mortgage
|
| Date Received |
2025-01-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
| Consumer Consent Provided |
N/A
|
|
|
7674222
|
2023-09-29
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CMG 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 |
VA mortgage
|
| Date Received |
2023-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-19
|
| Complaint What Happened |
Subject : Formal Complaint Against CMG Financial To Whom It May Concern, I am writing to file a formal complaint against CMG Financial regarding their handling of my mortgage account. I believe that their actions have been unjust and have placed my financial stability and homeownership at risk.
Background : I entered into a COVID forbearance agreement with CMG Financial in XX/XX/XXXX.
I was prepared to exit the forbearance program in XX/XX/XXXX.
Despite being the sole borrower on the loan, CMG Financial initially refused to grant me a loan modification, citing my husband 's name on the property deed.
However, on XX/XX/XXXX, the courts granted me full ownership of the property, recognizing that I am the sole owner on the loan.
Timeline of Events : XX/XX/XXXX : I received the court order granting me full ownership of the property. I requested to have the wording revised and was informed that it was not necessary. It was memorialized that my ex-husband had no interest in the home. I went to court two additional times to get the precise wording required by CMG Financial. On XX/XX/XXXX, the court amended the original degree so wording that a quit claim deed would not be required.
On XX/XX/XXXX, I contacted CMG to inquire about my options. I was informed that an application for a modification would be sent to me. Three days after the call, I was informed that I was denied a streamline modification, however, I was not aware that I had applied for one. I called the mortgage company to inquire. I was informed that I had gone through a questionnaire and that the application that was sent to me was incorrect and a new one was being submitted. I was asked some questions about my finances ; however, I thought it was general in nature as in the rep was trying to get a general sense of what I should do. I was previously told that finances or credit were not taken into consideration with modifications.
I promptly received and completed the application, submitting both hard copies and electronic versions to CMG Financial.
I called in to follow up, and I received conflicting information at various times : I was informed that I was not eligible for VA modifications.
I was told that my credit would not be impacted because I was in underwriting. I was later told that my credit would be impacted and I was not in underwriting.
I was told that my documents were not sent to the correct department.
I was told that I had completed the wrong application.
I was told that I completed an interview and was submitted verbally.
I was told that all of my documentation was not received and my package was incomplete.
I was told that my document was received and it was complete and it was with loss mitigation.
I was told that my case was closed but it was not denied.
I was told there were missing pages.
I was told that I needed to be patient.
I was told another application had to be submitted because my workstation had been closed.
I was told that I was escalated. Later, I was told there were no escalation codes on my case.
All of this occurred from XX/XX/XXXX, to XX/XX/XXXX. Eleven representatives provided variations of instructions and conflicting information.
I was told that documents submitted were missing or unreadable due to smudging.
Agents gave inconsistent statements about the status of my application.
I received denials for the modification, then was informed that everything was in order and I was in underwriting, only to later be told I was not.
I encountered delays and issues due to mistakes on CMG Financial 's end, which further exacerbated my financial hardship.
I was informed that my original documents had been shredded, and my case had to be restarted multiple times.
Accountability and Adverse Impact : I repeatedly requested to speak with supervisors and asked for contact information for escalations but received no resolution.
The mishandling of my case by CMG Financial has adversely impacted my credit and put me in a precarious financial situation.
I have not been considered for appropriate programs to prevent economic distress despite receiving contradictory letters from CMG Financial.
Concerns : I believe that CMG Financial has engaged in fraudulent practices that may result in foreclosure or place the burden on the VA, which guaranteed the loan.
The lack of accountability and resolution from CMG Financial is deeply concerning and unacceptable.
I request a thorough investigation into this matter to determine the extent of CMG Financial 's mishandling of my case and any resulting damages. I seek a resolution that aligns with my rights and responsibilities as a homeowner.
Thank you for your prompt attention to this complaint, and I look forward to a resolution that rectifies the situation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7194895
|
2023-06-29
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-29
|
| Complaint What Happened |
CMG Financial did NOT pay my flood insurance last year and my policy lapsed. They did NOT notify me and forced place flood insurance at 9X the original cost of my policy. Due to policy lapse, I am no longer grandfathered into my policy and am paying exponentially more for my policy, due to Flood Policy changes through the XXXX They then stopped my PMI in XXXX of XXXX and picked it back up in XXXX. Payments continued with reimbursements taking place through XXXX of XXXX. During this time frame they charged my escrow account for 11X the monthly PMI payment in 1 large lump sum. The month this payment was made, just happen to be the month ( only month ) that I did NOT receive a monthly statement. It took over a month to even receive this statement. I even received a statement labeled for this month, which was NOT correct.
In short, due to incompetence and questionable business practices, CMG Financial has driven my Escrow account negative thousands of dollars and increased my monthly mortgage payment to double what it was when the loan was originally processed in XXXX. Not only am I paying for their mistakes, these errors will cost me over XXXX 's of thousands of dollars just for the flood policy mishap.
I have attempted to settle these issues with the CMG for 3 months now and every time I call, I have to speak to a different person, even though I collect their Agent ID info, customer service states they can not look up that information. Every call ends the same : Promises to return my call the following day ( or Monday ), and 0 return calls have been received.
As a consumer, this appears to be a gross mishandling of funds and questionable business practices. I am filing this complaint based on " Bad Faith '' practices instituted by CMG Financial.
Note : The only complaint the CMG has adjusted is the double charge on my escrow account for the current homeowner insurance renewal ( not mentioned above, but yet another example of the incompetence ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
10307451
|
2024-10-01
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-01
|
| Complaint What Happened |
Good afternoon, on XX/XX/year> a check for {$5600.00} was sent through XXXX XXXX XXXX the financial institution CMG FINANCIAL for the payment of my mortgage.
On XX/XX/year> I call GMC FINANCIAL because I do not see the payment reflected in my account and they tell me that I must wait for them to review the correspondence in the XXXX XXXX and be able to distribute the correspondence to each department, and I indicate that I want to send another payment corresponding to the following month and he gives me a new XXXX XXXX XXXX to send this payment of now {$2700.00}, I close the call and go out to send the second payment to the new XXXX XXXX XXXX that they told me in the call with CMG FINANCIAL.
I waited a few days to check my account and I see that my payment of {$2700.00} appears reflected and the payment of {$5600.00} has not yet appeared. I make a call on XX/XX/year> and I am attended by operator XXXX XXXXXXXX and where it tells me that I must wait for the correspondence to be distributed and that it takes a while... not being satisfied with the answer, I call again on XX/XX/year> and operator XXXX XXXXXXXX answers me and he tells me that I must send a fax with the explanation from the XXXX that I sent the check until all the calls I have made to CGM FINANCIAL and that I will attach a copy of the check and a copy of the shipping receipt where the tracking number of the shipment can be seen, that same day I send the fax. On XX/XX/year> I called CMG FINANCIAL again and I was attended by operator XXXX XXXXXXXX where he told me that I should call my bank to cancel the cashier 's check because the correspondence was lost, that they can not do anything and that if I want to solve the problem I must make a payment of {$5600.00} again while that correspondence appears. I told him that I could not because I did not have more money and that I needed them to solve it because that is reporting my account as late when I sent my corresponding payments to be up to date. I called my bank and my bank tells me that because it is a cashier 's check, it does not allow cancellation until 3 months after the check is issued.
I contact you because CGM Financia is abusive and does not solve the problems of its clients, causing a serious problem with my mortgage.
Thank you, I hope you can help me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2369084
|
2017-03-02
|
Settlement process and costs
|
Mortgage
|
|
| Issue |
Settlement process and costs
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-03-02
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2813194
|
2018-02-13
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-02-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-16
|
| Complaint What Happened |
I was enrolled in the disaster forvearance program due to be unable to pay my morgage. The progam ended on XX/XX/XXXX. During the period of the forvearance, i started the process for a disaster modification loan. I spoke with a representative in XX/XX/XXXX to check the status and she said that i will receive a letter with info about the amount and next steps. The representative told me that she knew for sure that the due date for my first trial payment of the Disaster modification was XX/XX/XXXX and that it will be less than my current morgage payment. I waited until XX/XX/XXXX, and with fear that i will miss the opportunity for the modification, i made a payment of {$820.00}, being that amount a little bit greater than my current mortgage. I received a letter XX/XX/XXXX stating that I was approved for the loan modification, and that the amount to pay was {$810.00}. I call XX/XX/2018 to confirm the payment that i made online and the representative told me that they had distributed the funds towards XXXX payment. I told the representative that the intent of the payment was for my first trail payment and explain that since a knew the due date but not the amount, that was the reason it was made for {$820.00} instead of {$810.00}. The representative told me that it was ok and he will submit a request so the fund were redirect to the trail payment. I never heard back from them until XX/XX/XXXX when i received a letter stating that my first payment was not received. I call and talk to a representative, and explain to her that i did in fact my my 1st trail payment and was ready to do my 2nd one. She said that they can't accept my 2nd payment because i did not made my first one. She told me that she will submit a request and i should follow up within 25 to 48 hours. I call 48 hours later and explained my situation to the representative, then was transferred, then transferred again until a representative told me that she had spoke with her supervisor and that they will make a request and accept my 2nd trail payment. Received a letter XX/XX/XXXX confirming the payment posted XX/XX/XXXX. XX/XX/XXXX received a call stating that i have not made my 2nd payment. I explained the situation and i was told that the payment iform XX/XX/XXXX was posted as my first one. I told them this is my 2nd payment. That the first XXXX was for {$820.00} onXX/XX/XXXX, the 2nd one on XX/XX/XXXX and my third i have not done it because is due XX/XX/XXXX. They said that the only thing to do is submit a request for the payment in XX/XX/XXXX. This is been an outgoing problem and every representative is telling me that they will fix it they will fix it that everything is okay when in reality I receiving letters and calls saying that I'm not making my payments. This is not letting me focus in my work and keeps me strees at my home.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10552810
|
2024-10-23
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-23
|
| Complaint What Happened |
On XX/XX/XXXX, a national disaster XXXX XXXX negatively affected my business ( car rental business ) I own and operated remotely from Florida XXXX The negative impact my finances.
I read from HUD website I could get relief and on XX/XX/XXXX I began application for a forbearance. The process finished and I got approved for XXXX months plan.
On XX/XX/XXXX I called back explaining my Fiancial situation improved and I was ready to make payments starting XX/XX/XXXX. The mortgage representative assured me over the phone that the payments could be deferred toward the end of the loan. I asked I was required to make a payment. I was told it wasnt needed.
I was also not told about any negative credit marks and XXXX XXXX XXXX Was made aware that XXXX of a disaster I would qualify for a defaral without negative credit impact, however the mortgage agent misled me and later a XXXX day late negative mark hit my credit. I tried to dispute with the mortgage company and credit bureau without success.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8129775
|
2024-01-09
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-09
|
| Complaint What Happened |
On or about XX/XX/XXXX, I called XXXX XXXX alerting them to my address change so I knew this insurance company had updated information. Apparently, the bill that XXXX sent mis-filed to a mortgage account I had closed and CMG Mortgage did not pay the renewal bill. On XX/XX/XXXX, CMG Mortgage issued a check in the amount of {$2700.00} to a re-insurance company, XXXX XXXX. When I noticed the error, I spent over five hours on the phone and was promised the situation would be taken care of and my escrow account would be credited for the {$2700.00} and a check in the correct amount of {$1500.00} would be sent to the correct home insurance company. I then received my monthly statement for XXXX and in that statement was a notice that my escrow was being increased {$240.00} a month due to this bank error! On XX/XX/2024, I spent another 2 hours on the phone to be told that XXXX XXXX, which was incorrectly sent the payment, has the money in a suspension account and they can not tell me when a refund will be issued. In the meantime, I was told by CMG Mortgage that I must pay the increased mortgage/escrow payment or the account will be considered delinquent.
No human on this planet has enough patience to deal with this kind of negligence. I requested to speak to an Ombudsman or a CMG representative in their legal department and was told they don't have one. I need help or an advocate to help me with this as I can not afford this increase, nor do I owe this money to CMG mortgage. Please help me.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8469278
|
2024-03-04
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
VA mortgage
|
| Date Received |
2024-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-04
|
| Complaint What Happened |
XXXX Financial has not provided a copy of the XXXX which is required by law. Upon loan origination, XXXX sold the loan to XXXX within the first 2 months and presumably mailed a copy of the XXXX to an old residential address. Ironically, the owner of that address verified no such document had been received. Speaking with the current loan XXXX, XXXX failed to provide their financial documents so validating loan origination with XXXX is impossible. According to emails provided by XXXX, a copy of the XXXX can be retrieved through their portal, and while the first two payments are reflected, no XXXX is available. Over the past several weeks, dozens of calls have been made to XXXX promising to mail the XXXX to which I have received nothing. Speaking with a XXXX XXXX XXXX, an email copy of the XXXX was sent with a link containing no information.
After a great deal of effort on my part to acquire the necessary document, I need assistance in receiving the XXXX to complete my tax filing for XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7797936
|
2023-11-04
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
No
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
| Sub Product |
VA mortgage
|
| Date Received |
2023-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-04
|
| Complaint What Happened |
Regarding CMG Mortgage 's response, it appears that several rules and guidelines may have been broken or violated.
These include : Misrepresentation and Deceptive Practices : XXXXXXXX XXXX may have misrepresented or provided misleading information regarding the nature of my communication, the eligibility criteria for various programs, and the handling of my loss mitigation application. This may violate regulations related to fair and transparent communication with borrowers.
Failure to Follow Established Procedures : I have pointed out discrepancies in the handling of my case, such as the immediate transfer to the loss mitigation department without a standard screening process, which raises questions about whether CMG Mortgage followed its established procedures. This could be a violation of internal protocols and industry standards.
Premature Denial of Loss Mitigation Application : CMG Mortgage appears to have denied my loss mitigation application before the specified deadline for submitting additional documentation, which could be considered a premature denial. This might violate regulations that require servicers to provide borrowers with a fair opportunity to complete their applications.
Lack of Transparency and Incomplete Communication : CMG Mortgage 's responses may lack transparency, clarity, and completeness, particularly in cases where I was not informed of changes in eligibility for modification programs or the reasons for my denial based on the written response to the CFPB. This could be a violation of regulations that require servicers to provide clear and detailed communication to borrowers.
Failure to Offer All Available Options : I have mentioned that CMG Mortgage did not offer the VA Refund Mod, which may be considered a failure to offer all available foreclosure prevention options to eligible borrowers. This could be a violation of regulatory guidelines.
Negligence in Document Processing : If CMG Mortgage falsely claimed that documents were not legible when I provided them both in email and hard copy, this could indicate negligence in document processing, which XXXX violate their responsibility to handle borrower documentation accurately.
Failure to Document Phone Calls : I have requested transcripts of phone conversations with CMG Mortgage representatives to substantiate my claims. If CMG Mortgage failed to maintain accurate records of these calls, it could be a violation of regulatory guidelines regarding record-keeping and documentation.
Lack of Timely Response and Resolution : CMG Mortgage 's responses seem to have caused delays, confusion, and inconsistencies in the handling of my case. This could be considered a failure to provide a timely response and resolution to my inquiries and concerns.
Outline of Letter from CMG XX/XX/XXXX letter : Repayment options. Modification or repayment plan.
XX/XX/XXXX : Acceptance of forbearance assistance extension. A call took place prior to this where the representative told me that I would not be able to request a modification without my ex-husband 's signature and he would have to be removed from the deed.
XX/XX/XXXX : Payoff statement.
XX/XX/XXXX options letter : These letters are only sent after phone communications. CMG gives multiple options which makes it a legal offer to be considered for the options. This is a form of contract also.
XX/XX/XXXX : Another payoff statement after me calling in once again to discuss options to save my home. I was gathering these statement to make sure they were reflecting the most current amount as I got closer to the court date.
XX/XX/XXXX : Another options letter.
XX/XX/XXXX : States, " my application will be reviewed by CMG Mortgage , Inc. within thirty ( 30 ) days of XX/XX/XXXX. If additional information is necessary to evaluate my Loss Mitigation Application, we will send a letter advising you of the documentation needed to complete the evaluation. You will have thirty ( 30 ) days to submit the requested documentation, which could lead to the evaluation process taking longer than expected. '' On the Same Day XX/XX/XXXX : Letter saying, " After careful review of my individual circumstances and account, we have determined you do not qualify for a Streamline Modification and a full financial evaluation is necessary for you to be considered for additional mortgage assistance. Options May Be Available : The right option for you depends on my individual circumstances. If you wish to be evaluated for mortgage assistance programs, please review and complete the new application, then submit with all the updated supporting documentation. '' XX/XX/XXXX : Default letter with additional options. This day was when the lady said the last representative sent me the wrong application. We were having general conversations and I was waiting for an application in the mail.
XX/XX/XXXX : Contact letter because I was in default.
XX/XX/XXXX : I had several conversations with representatives from XX/XX/XXXX to the XXXX at which time I called to confirm that they received all of my documentation. The documents were signed for and delivered on XX/XX/XXXX.
XX/XX/XXXX letter : " We are contacting you to confirm that we have received my request to be considered for mortgage assistance program ( s ) that may be available. At this time, my assistance application is incomplete. In order for us to be able to determine if you qualify for a mortgage assistance program, we must receive the required documentation by XX/XX/XXXX. Below, please find a list of documents that need to be submitted to finish my assistance application.
Missing Documents/Documents Still Needed : General : Please return my completed application for loss mitigation assistance signed and dated by all parties. ( The Uniform Borrower Assistance Form ( UBAF ) provided is not legible. Please resubmit a completed UBAF signed and dated with all pages. ) THERE IS ZERO MENTION OF MISSING INCOME. IT SAYS THE LETTER WAS NOT LEGIBLE. I SENT IT IN EMAIL AND A HARD COPY. THEY RECEIVED THE ORIGINAL AND A SCAN. I HAVE BOTH. HOW COULD IT NOT BE LEGIBLE LESS NEGLIGENCE ON CMG DOCUMENT PROCESSING SPECIALIST. FURTHER, IT STATES THAT I HAVE UNTIL XX/XX/XXXX TO PROVIDE THIS INFORMATION. '' XX/XX/XXXX : Another missed payment letter.
XX/XX/XXXX : They have been unable to reach me letter.
However, they responded stating that we had communications.
XX/XX/XXXX : Default letter.
XX/XX/XXXX : Housing counseling letter.
XX/XX/XXXX letter : " We have received my request to be considered for a loan modification or other foreclosure prevention alternative. We will review the documentation you provided. We will notify you by mail if further information is needed to determine if you qualify for a mortgage assistance program or if we are unable to review my package due to a scheduled foreclosure sale. If my package is deemed incomplete, a letter will be sent listing the missing documents that are needed to complete a full review. Attempts to contact you will be made to collect any missing documents for a reasonable period of time. '' XX/XX/XXXX Denial letter : " We have completed our review of my request for a loan modification or other foreclosure alternative and have determined that you are ineligible for the reasons listed below : After reviewing my financial information it was determined that my income is insufficient to qualify for this homeowners assistance program. In completing our review of my housing expense to income ratio we determined that it does not meet the requirement for a loan modification. The capitalization required to modify this loan exceeds the guidelines of this program. '' THIS IS A VA LOAN!!!! Now with the amount of debt that its been allowed to incur due to CMGs negligence it XXXX be extremely hard to get approved for anything although I make XXXX percent more than I did when I had got approved originally.
XX/XX/XXXX : " Thank you for submitting a Loss Mitigation Application Package. My application is complete as of XX/XX/XXXX, and no further information is needed at this time. Now that my application is complete, you are entitled to certain foreclosure protections. You may also be eligible for additional protections under State or Federal law. '' XX/XX/XXXX letter : " We have received your request to be considered for a loan modification or other foreclosure prevention alternative. '' XX/XX/XXXX letter : " CMG Mortgage , Inc. has reviewed my Loss Mitigation Application. In order for us to determine my eligibility for a loan modification or other foreclosure alternative, additional information is needed. Please supply the following documents and/or information within thirty ( 30 ) days of the date of this letter. If it is not received by XX/XX/XXXX, your request for a foreclosure alternative may be denied.
XXXX XXXX : Please return a copy of the most recent pay stub and documentation of year-to-date earnings if not on the pay stub or the two most recent bank statements showing the income deposit amounts. ( The UBAF reflects a change in circumstances, please provided a current pay stub or 2 most recent bank statement showing income deposits. ) '' XX/XX/XXXX letter : " Thank you for my recent communication. We will promptly review and thoroughly research my inquiry. Once those steps have been completed a response will be provided within thirty ( 30 ) days. '' XX/XX/XXXX letter : " Thank you for submitting a Loss Mitigation Application Package. Your application is complete as of XX/XX/XXXX, and no further information is needed at this time. Now that my application is complete, you are entitled to certain foreclosure protections. You may also be eligible for additional protections under State or Federal law. my application will be reviewed by CMG Mortgage , Inc. within thirty ( 30 ) days of XX/XX/XXXX. If additional information is necessary to evaluate my Loss Mitigation Application, we will send a letter advising you of the documentation needed to complete the evaluation. You will have thirty ( 30 ) days to submit the requested documentation, which could lead to the evaluation process taking longer than expected. '' Subject : Response to CMG Mortgage , Inc. 's Statement and Request for Call Transcripts Dear CMG Mortgage , Inc. Management, I hope this letter finds you well. I am writing in response to the communication I received from your Executive Resolutions Specialist at CMG Mortgage , Inc., dated XX/XX/XXXX, which outlined their perspective on our interactions and the events surrounding my mortgage account.
I appreciate your response but feel it necessary to address several key concerns and discrepancies that have come to my attention.
1. Payoff Statement Request and Deed Revision : CMG Mortgage 's statement : " Between the timeframe of XX/XX/XXXX through XX/XX/XXXX, our records do not indicate that we had offered the borrower a loan modification nor did we request for the borrower to revise their deed. '' My response : How would you know the nature of the request for the payoff statement if you had not listened to the calls? Furthermore, the nature of my request for the statement was in fact not for the purchase or sale of the home. It was primarily to obtain documentation to support my claim given the reluctance on your part to consider my application for a loan modification. Moreover, our conversations included discussions wherein your representatives clearly stated, not implied, but affirmatively stated that my ex-husband 's signature or removal from the deed were required to proceed with any modifications. A transcript of these calls is necessary to provide clarity on the nature of these conversations.
2. Request to Remove from Forbearance : CMG Mortgage 's statement : " On XX/XX/XXXX, we spoke to the borrower in which they requested to be removed from the forbearance. The agent transferred the call to the loss mitigation department based on the borrowers request. However, the borrower disconnected the call. '' My response : It is important to note that this is not your standard business procedure, as I have since learned that a general screening takes place before any transfer. In this case, it was the representative who ended the call abruptly during the transfer. It is crucial to address this inconsistency to clarify what transpired during this call. This call will also highlight many of the details I have eluded to regarding CMGs mishandling of my mortgage.
3. Streamline Modification : CMG Mortgage 's statement : " On XX/XX/XXXX, the borrower contacted us and requested information as to what options are available. On the same date, it was identified that the account was not eligible for [ a Streamline modification ] as it was no longer an option. '' My response : On what basis was a Streamline modification no longer an option? How was this determination made within a single day, and why was this not clearly communicated during the phone conversation? I was informed that I would receive an application, which led me to believe it was an available option. Furthermore, during the original conversations it was the only thing presented until in later phone calls I became in contact with the representative whoms name I will not reveal at the moment, however that person educated me on much of your mishandling, my options, and confusion. I did not receive proper information, which should have included alternative options. A transcript of this call is essential to resolve these discrepancies.
4. Loss Mitigation Application : CMG Mortgage 's statement : " Our records show that a loss mitigation application was submitted and received in our office on XX/XX/XXXX and XX/XX/XXXX. '' My response : It is crucial to note that a missing document letter was sent on XX/XX/XXXX also, listing the required additional information needed by XX/XX/XXXX. Given the timeline, it appears that the application was denied prematurely. A transcript of the XX/XX/XXXX and XX/XX/XXXX conversations will shed light on the circumstances surrounding this denial.
5. Delinquency Report : CMG Mortgage 's statement : " Please be advised, our records do not indicate that a delinquency was reported during the forbearance period. A delinquency was reported on XX/XX/XXXX to the credit bureaus because the account was not brought current at the end of the forbearance period. However, as a courtesy, a credit correction was submitted to remove the said delinquency. '' My response : The delinquency reporting is inconsistent with the timeline provided. It is essential to clarify this discrepancy and ensure that my credit report is accurately updated. My account should have never been delinquent. I had the money to pay your company immediately when I asked about my options in XX/XX/XXXX, during the very first notification to CMG that I was divorced now and the single home owner.
6. Legal Action Taken : I wish to bring to your attention that my concerns are not isolated but had been escalated to XXXX point where I felt compelled to seek legal recourse. I filed a Motion to Enforce Settlement Case : XXXX, Number XXXX. This motion was based on the conversation I had with a CMG representative, who conveyed that my ex-husband 's involvement in signing the quit claim deed or modification was crucial to move forward. This situation had resulted in financial harm and potential economic waste, potentially leading to foreclosure. This statement is memorialized in my court documents and I testified to this in my statements. That I could not secure a modification although I was the single person on the loan.
The importance of transcribing the phone conversations is heightened by the fact that CMG is effectively questioning the accuracy of my legal actions, implying that these conversations never took place.
7. Misinformation Allegations : While CMG asserts that no misinformation was provided during our interactions, I must stress that my timeline, records, and the information within my possession suggest otherwise. The discrepancy between the content of our conversations and the claims in my response highlights the potential for misinformation or misunderstanding. A comprehensive review and clarification of these issues are necessary.
8. Failure to Offer VA Refund Modification : In addition to the above discrepancies, I must also address CMG Mortgage 's failure to offer all available options, particularly the VA Refund Modification. This option was not presented to me despite its availability, further adding to my concerns about the transparency and completeness of the options provided.
My mortgage is backed by the VA, which potentially makes the Government liable for circumstances that were fully preventable as I was proactively engaging with the mortgage company and doing everything that was requested of me.
9. Request for Call Transcripts : In my pursuit of truth and transparency, I humbly request the transcripts of the phone calls listed in CMG 's response. This would serve to corroborate my assertions that CMG may be misrepresenting the events in our interactions. Transcripts would provide conclusive evidence, offering a clear and unbiased perspective on the matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6837510
|
2023-04-13
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2023-04-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-13
|
| Complaint What Happened |
Monthly payments started around at XXXX then Escrow hit and went upto {$1800.00}. Sent in all Escrow payments and they never decrease mintly payments, continue to pay extra from XX/XX/XXXXXXXX to XX/XX/XXXX. Made several calls and fax letters and no corrections.
As of XX/XX/XXXXXXXX Escrow has been paid and they still trying to get more Escrow money out of me. The company : CMG FINANCIAL MORTGAGE has been a problem since they took over my loan and will not get back with me. All representatives that I've spoken to put in escalations but nothing is being done. They owe me n I'm tired of will get back to you and never do or correct the issue.. $ $ $
|
| Consumer Consent Provided |
Consent provided
|
|
|
4579078
|
2021-07-27
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-07-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-27
|
| Complaint What Happened |
CMG Financial I refinanced my home and CMG purchased the mortgage. They did not update the insurance company and subsequently my insurance was canceled. The company gave my insurance company the run around and it took nearly 3 hours of phone call between the 2 companies to get this resolved.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1080488
|
2014-10-21
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2014-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-21
|
| Consumer Consent Provided |
N/A
|
|
|
8694370
|
2024-04-03
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-03
|
| Complaint What Happened |
Back in XX/XX/year>, I spoke to CMG inquiring about a lower payment, I was not late on my mortgage and was continuing to make the payments, the rep advised me she would put my account through for a modification to see if there was a way to lower the payment. I received a letter from CMG with a payment plan to make 3 payments of a lower amount than the payment would permanently change, I was advised that the credit report would show a modification and that the XXXX + XXXX payments would be deferred and not show late on my credit, and the report would only reflect a lower payment. However that is not what has happened, I went from being on time with a perfect record to now showing late because they are having me pay less, this is hurting my credit report and I want my credit report restored like I was advised it would do and i had nothing to worry about, this was just the way they had to have me pay in order for the monthly payment to get lower permanently and advised me to ignore any calls or letters as they know the account is good. This is my 1st ever mortgage and the last thing I want is a bad payment history when I have never been late ever. Also the amount on my loan on the credit report shows XXXX and that is another bad mark that is not true, but on my account my balance on their website it is only XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3692133
|
2020-06-10
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-10
|
| Complaint What Happened |
I was browsing for vacant land for sale. One real estate site required I create a login to continue browsing so I did so. The next morning I had an email from a lender with a mortgage company asking if they could assist me with a home purchase. I asked how they got my information from XXXX XXXX and they said they were a preferred lender and when someone registers on the site they pair them with a lender. Isnt trading my personal information and giving leads to a mortgage company a thing of value under RESPA rules? The lender and mortgage company is XXXX XXXX, Mortgage Loan Officer NMLS XXXX, CMG Financial NMLS XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5690183
|
2022-06-20
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2022-06-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-20
|
| Complaint What Happened |
My husband and I have been trying to purchase a home for over a year. XXXX year ago, we were unable to obtain a loan with 100 % financing. In XXXX of 2022 we contacted a realtor to try for a second time. Our realtor informed us that he knew of a lender with a 100 % loan program. We spoke with the lending officer to inquire about the loan program he informed me that part of the loan would cover the down payment and part goes to the closing cost.
An application was taken, and he informed us that everything looked good and we were pre-approved.
Because we are first time home buyers, we trusted him. During the entire transaction, he kept saying dont worry everything is going to be fine. He also stated we will get serval forms just sign and return. Also, when we asked about the high numbers it was the same responds dont worry it will improve at closing.
He never locked in our interest because he was expecting interest rates to improve. At that time, we had no idea of what lock-in was all about. As former XXXX XXXX lock-in had a completely different meaning.
Our biggest mistake was trusting him. We were desperate to move to close since our lease was about to expire and we had handed in our intent letter we felt like we needed to move forward.
In short, we expected to go to closing with no additional money and expected our monthly payment to be XXXX less than what he got us. We believe that he has deliberately taken advantage of our situation for his own personal profit. We also believe he took advantage of us due to our race, age and lack of experience with financing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3046270
|
2018-10-15
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2018-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-18
|
| Complaint What Happened |
I applied for an FHA loan with XXXX XXXX. We corresponded via email regarding all items needed by the underwriter to approve the loan. On XX/XX/2018 at XXXX XXXX I received an email from the processor who advised that the closing department was working with the title company to get the final figures and then my closing disclosures would be sent for me to sign. I was advised to sign the documents once received because this would start my 3 day period for closing. I received my closing disclosures, signed and returned them the same day XX/XX/18. Then I woke this morning to an email from the processor with additional conditions to clear before closing. In the mortgage business I know that the closer only sends out closing documents after the underwriter has issued a clear to close. How is it possible for the Finance company to come back after the closer has sent the closing disclosures and request additional documentation? They advised me that their company has different procedures than other banks and mortgage companies. They need to be investigated. I feel they are misleading consumers and are causing me to miss a deal in which I have a binding contract with a seller.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2941523
|
2018-06-20
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-06-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-21
|
| Complaint What Happened |
XXXX XXXX purchased our mortgage in XX/XX/XXXX. Our insurance and taxes at this time were escrowed. In XX/XX/XXXX I received a letter saying our insurance hasn't been paid, at that time I assumed the insurance was going to be paid before the cancellation date of XX/XX/XXXX. On XX/XX/XXXX, I received another letter from our insurance carrier ( XXXX XXXX XXXX XXXX ) that XX/XX/XXXX is the final day for payment or we would be cancelled. I called XXXX XXXX spoke with XXXX ( a supervisor ) he said he would take caf of the problem it was an " internal issue '' and it would be taken care of. They were waiting on approval from their insurance department. I assumed it was taken care of only to have XXXX XXXX XXXX email me to ask about new insurance. I then purchased new insurance but withheld payment until I spoke with CMG. On XX/XX/XXXX I spoke with XXXX from CMG and told her they needed to pay for the insurance because they have my money. She agreed they dropped the ball and have XXXX XXXX XXXX send them an invoice they would pay the bill. On XX/XX/XXXX XXXX XXXX XXXX sent the invoice with proof on insurance to CMG for payment. As of today XX/XX/XXXX the bill has not been paid and its about to expire on XX/XX/XXXX. I called CMG on XX/XX/XXXX at 8:30am spoke with XXXX ( supervisor ) he stated they received the proof of insurance on XX/XX/XXXX ( not true ) and he would process the request and it would take 3-4 business days to issue a check and it would be overnighted. This would put us outside the window and XXXX XXXX XXXX will cancel the policy. I have spent over 3 hours on the phone over the last 1.5 months only to listen to lies about my money and my insurance. I have since left my Credit card with XXXX XXXX XXXX incase the bill is not paid by XX/XX/XXXX. I should not have to do this. Also, because of lapse of insurance my premium increased over XXXX a year. XXXX XXXX XXXX direct line XXXX ext XXXX. This truly needs to be investigated.
Thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
9718479
|
2024-08-06
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
VA mortgage
|
| Date Received |
2024-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-06
|
| Complaint What Happened |
We obtained a mortgage with XXXX in 2023. My husband is a 100 % XXXX retired XXXX and we applied for floridas homestead exemption in XXXX for the XXXX year. We were initially told that our mortgage amount would decrease XX/XX/XXXX. When it did not, we began working with agents from XXXX to understand why. On several calls between XXXX and XXXX, we received different answers with no resolution. A XXXX employee then suggested that we do a mortgage reconsideration to pull our tax exemption information and this lower our payments. He did this and our mortgage went XXXX by XXXX per mi th. We then began to call again to understand why the mortgage would go up when we had no taxes. We finally reached XXXX in the escalation department who stated that the XXXX staff should never have submitted a reconsideration. He then made a plan with us that allowed us to continue to pay our regular mortgage account until XXXX when the new tax bill would come out. In XXXX we called again and spoke to numerous reps who all stated they could not see any notes regarding this agreement. During that time we also had to fight each month to pay what was agreed and kept being told we were shorting the company. Finally we contacted the tax office who stated that they had already sent the tax exemption several times to XXXX. We began to call XXXX again and encountered the same issue. No notes, no idea what we were talking about. We went back to the escalation department to talk to XXXX who out in a work order to pull the tax information. Now, in XXXX we called XXXX back to check and she states that not only would our mortgage not go down but we have a shortfall. This company has engaged in deceptive financial practices to take advantage of a XXXX veteren. At this point t we have no recourse with the company. Their story changes each phone call and they insist that we owe what we owe. XXXX every turn we were reassured that it was an error that would be corrected and at each turn, no one at XXXX communicated ( at best ) and at worst, this is a scheme that many other vulnerable people have fallen for.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9082407
|
2024-05-23
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Delays with the closing process
|
| Sub Product |
FHA mortgage
|
| Date Received |
2024-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8607250
|
2024-03-22
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Private mortgage insurance (PMI)
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-22
|
| Complaint What Happened |
I have submitted requests on my online mortgage dashboard XXXX times this year ( see uploaded document " Screenshot of Document Center '', requesting that the PMI be removed. Each time I have received a denial letter. Please see most recent denial letter attached " PMI removal denial letter XXXX '' I do not understand why I am being denied as I meet XXXX 's criteria for removal ( having at least 20 % equity based on the original home value ). I also have an excellent repayment record as the monthly mortgage payment is automatically deducted from my bank account each month.
I also qualify based on the information showing on my " dashboard '' when I login to their website, please see " Screenshot of mortgage dashboard '' although they have incorrectly listed the original home value as {$120000.00} it still shows that I have 20.6 % equity. Please also see " FINAL - Closing Disclosure XXXXXXXX XXXX XXXXXXXX '' where you can see that the original sale price was actually {$120000.00} ( not {$120000.00} ). Even so, I qualify based on either value : {$120000.00} less loan balance {$100000.00} = $ XXXX = 21.86 % {$120000.00} less loan balance {$100000.00} = $ XXXX = 20.62 % I have carefully read the denial letter and I qualify under the first stated criteria, but I feel that they are trying to force me into the more costly approach of getting the PMI removed based on the current market value which requires an appraisal.
I have tried calling the customer service department but they tell me the PMI department does not accept incoming calls and I must wait 24 to 48 hours for a telephone call from a random number ( which they can not tell me ). Needless to say, I have not received a telephone call, even though I answered every random call received during the specified time period. I asked for confirmation numbers on both occasions that I called the customer service line and was given a combination of the customer service representative 's initials and the date I called : " XXXX '' and " XXXX ''. I am so frustrated. Please help!
|
| Consumer Consent Provided |
Consent provided
|
|
|
557080
|
2013-10-10
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2013-10-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-10-11
|
| Consumer Consent Provided |
N/A
|
|
|
5211547
|
2022-02-11
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2022-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-11
|
| Consumer Consent Provided |
Other
|
|
|
4168416
|
2021-02-26
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| 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
|
| Consumer Consent Provided |
Other
|
|
|
5847593
|
2022-08-05
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-08-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-05
|
| Consumer Consent Provided |
N/A
|
|
|
12151880
|
2025-02-20
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-20
|
|
|
12188156
|
2025-02-24
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Mortgage
|
| Sub Issue |
Private mortgage insurance (PMI)
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2025-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-24
|
|
|
12088520
|
2025-02-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CMG MORTGAGE, INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-24
|
|
