11258176
|
2024-12-23
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
Sub Product |
Conventional home mortgage
|
Date Received |
2024-12-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-23
|
|
7339611
|
2023-08-03
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Older American, Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2023-08-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-08-03
|
Complaint What Happened |
XX/XX/XXXX - made my mortgage payment on XXXX XXXX website as I have done for past couple years.
XXXX -received notice in the mail from XXXX XXXX that loan had been sold to Planet Home Lending and no more payments could be made as of XX/XX/XXXXXXXX
XX/XX/XXXXXXXX received a notice from Planet Home Lending that I failed to make my XXXX payment and was now late and needed to make XXXX and XXXX 's payments. Informed a XXXX late fee would be added on XX/XX/XXXXXXXX
XX/XX/XXXX - checked my bank account and saw that despite making the payment on XXXX XXXX website on XX/XX/XXXX, they must have chosen not to process the payment.
XX/XX/XXXX - went on Planet Home Lending and attempted to make XXXX & XXXX payments and was prevented from doing so, stating I was delinquent and could not pay on the website.
XXXX - contacted Planet Home Lending and spoke to customer service women who wanted me to give her my banking information over the phone. I refused, and requested to pay online, she said not possible because I was delinquent despite m explaining that really was not the case. She suggested I wire funds or mail a check, which I would not do for multiple reasons. I asked if they were going to report me late to the credit bureaus and she said not for at least 60 days and that they don't charge late fees for the same 60 days due to RESPA. When I asked her why than does it clearly state they were going to charge XXXX if payment not received before XX/XX/XXXX she had no answer. Both XXXX XXXX and Planet Home Lending have inodiated me with mailers and calls trying to get us to refinance our home or take cash out, neither of which we need or want. We have an interest rate for 30 years of 2.25 % and the harassment never ends. I believe this latest stunt is just another way of trying to trick us into refinancing or taking cash out.
XX/XX/XXXX - I paid through online XXXX XXXX through my bank tonight so I had proof of payments.
|
Consumer Consent Provided |
Consent provided
|
|
11084908
|
2024-12-09
|
Incorrect information on your report
|
Mortgage
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
Account status incorrect
|
Sub Product |
FHA mortgage
|
Date Received |
2024-12-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-09
|
Complaint What Happened |
Planet Home Lending approved my first forbearance in XX/XX/year>, with payments beginning in XX/XX/year>. I made on-time payments from XXXX through XXXX, which were properly reported to the credit bureaus. However, on XX/XX/year>, the bank reported my XXXX payment as late, despite their billing statement clearly indicating that I was in forbearance and that the payment was due by XX/XX/XXXX. They did the same on XX/XX/year>. Although I was approved for a second forbearance from XXXX to XX/XX/year>, and made on-time payments during that period, they reported my XXXX payment as late, even though the billing statement indicated that I was still in forbearance and that the payment wasn't due until the XXXX.
In both XXXX and XXXX, they reported my payments as late without giving me a chance to make a payment. Whenever I call Planet Home Lending to explain the situation, I feel like I'm speaking to a wall, and I can't get any resolution. These incorrect late payment reports have caused significant hardship for me.
The billing statements are legal and binding documents. Both the XXXX and XXXX statements clearly indicate that I was in forbearance, with payments due on the XXXX of each month. However, despite this, late payments were reported on the XXXX of each respective month.
|
Consumer Consent Provided |
Consent provided
|
|
5102642
|
2022-01-12
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2022-01-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-01-25
|
Complaint What Happened |
In XX/XX/XXXX we hired The XXXX XXXX to do a home loan modification for us, we were two months behind on our mortgage and was advised by the attorney to stop making payments and to pay him a monthly fee of XXXX dollars. On XX/XX/XXXX we were approved for a trial payment plan XXXX in which we told the attorney we would take and signed the papers to do so then submitted them back to the attorney. Later that night the attorney called and advised us not to take the offer because it was only a trial period with no guarantee of reinstating our loan or that the monthly payments would not go up.
We made the attorney aware we did not want to go into foreclosure or have to file bankruptcy. Every few months or so the attorney would request bank statements to file another packet, he never said why.
In XX/XX/XXXX I received a court summons for foreclosure. I filed a complaint with XXXX against the the Lender Planet Home Lending LLC because we were suppose to be in loan modification. In their response there was a time line of events given with two other dates XX/XX/XXXX and XX/XX/XXXX for approved Trial payments, however the attorney never informed us of those in which he was fired and withdrew from the foreclosure case pending in the courts. I hired another person with XXXX XXXX XXXX to do another loan modification. That is under review at this time, however I also have a court date on XX/XX/XXXX for the summary of judgment on the foreclosure. I believe Planet Home Lending LLC is dual tracking and not being fair to us. The previous attorney put us in a sticky situation where we were only only two months behind is now two years in which makes it hard to try to come up with the now XXXX to bring the loan up to date. I have filed a complaint with the florida bar on him but that does not undo the damage. I have contacted the lender and made them aware of the situation. I have told them I do not want to loose our home, it is our primary residence and I have a XXXX child. We CAN afford a monthly mortgage payment but it seems they dont have any interest in reviewing another modification package and is pretty determined to foreclose. The previous attorney had filed a FDCPA violation against the lender Planet Home Lending LLC on XX/XX/XXXX we were asked to fill out a W-9 form in which money was received however I do not know how much because the attorney kept it, and never provided any other documentation. However I feel that because of that it could be a contributing factor for the Lenders push for foreclosure rather than modification which again I feel is unfair to us. In XX/XX/XXXX we called the Lender expressing our concerns about our mortgage payments constantly rising, and some health issues they basically told us there was nothing they could do for us and advised us to call a XXXX number for help in which we did and was put in contact with the XXXX XXXX. From there we did as the attorney told us to do. We did not know he was withholding information from us, we thought we were in a loan modification. We put our trust in the attorney that he would look out for our best interest. I have spent close to XXXX dollars trying to negotiate a simple FHA loan modification. This is money that should have went towards our mortgage. The offers that were previously made by Planet Home Lending unfortunately went to the attorney address not ours and we had no way of knowing what was taking place other than what the attorney was telling us or not telling us. Having brought this to the attention of Planet Home Lending with emails between the attorney and myself filed with the court and also sent to the loss mitigation department as proof that we had just found out about all this they still a reluctant on helping us keep our home. I have reached out to them asking if they could apply anything from the CARES Act to our mortgage to bring the balance down to help bring the loan up to date. I received no response. When calling the wont speak to us because they tell us we have to speak to the person representing us. However, we are representing ourselves we hired a modification specialist to do a modification he is not an attorney. Nor do we want to be unaware of what is happening and what is being done.
|
Consumer Consent Provided |
Consent provided
|
|
5876757
|
2022-08-14
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Older American
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2022-08-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-08-14
|
Complaint What Happened |
As part of our mortgage payment, taxes and insurance are escrowed and the policy premiums are to be paid by the mortgage servicer. Our mortgage servicer, Planet Home Lending, LLC., failed to pay our flood insurance premiums causing our policy to be cancelled, leaving us uninsured. More than a year later, they brought their error to our attention by threatening to purchase force-placed coverage to cover for their error and incompetence, and demanded that we obtain a new policy. We later learned that XXXX stole funds from our escrow account to cover for their error, without our permission. We lost the " grandfathered rate '' that we had with the original insurance company, and the lowest cost replacement policy was substantially more expensive. I have written several letters to XXXX detailing their error. The first was XX/XX/2022. There was never any reply or response. During my calls, I asked if they received my letter, and they said " yes, we put it in your file. ". I asked why they did nothing, and while they admitted their mistake on the phone and promise to take care of it, they have never acknowledged anything in writing, nor done anything. They have promised to correct our account balance, remove all late charges and fees, credit us for the difference in our original policy and the new policy, and correct our monthly payment. ( Our correct monthly payment is sent automatically each month, and has always been received on time. ). Notwithstanding, they continue to harass us for payment and threaten to ruin our credit. Despite numerous calls to their insurance department, and customer service, they have done nothing. On XX/XX/2022, I wrote to XXXX XXXX XXXX, the president of Planet Home Lending LLC, detailing everything and providing copies of prior letters. I received no reply from her. On XX/XX/XXXX I received an unsigned form letter from a XXXX XXXX XXXX XXXX saying that they would look into this matter. So far there has been no response, except the default notices that XXXX continues to send us, telling us that we are " seriously delinquent and in default. ''
|
Consumer Consent Provided |
Consent provided
|
|
5699598
|
2022-06-23
|
Struggling to pay mortgage
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2022-06-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-06-23
|
Complaint What Happened |
Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : Planets investigation revealed that you initially submitted an online portal inquiry on XX/XX/XXXX. The submission was partially completed, however, did not indicate whether the disaster hardship was resolved or ongoing. Planet issued both acknowledgement and missing items letters ( enclosed ) on that same date. To proceed with a Disaster Modification, Planet must verify that the hardship was resolved, the borrower returned to work and with no negative long-term change in the household income occurring. Despite numerous attempts, we did not receive the required information. Therefore, on XX/XX/XXXX, a loss mitigation denial letter ( enclosed ) was issued.
My Response : The M26-4 5.06 ( 3 ) states The event, or circumstances that caused the default has been, or will be resolved, and is not expected to re-occur, so is Planet Home Lending seriously trying to say you were unsure if the hurricane had dissipated 3 months later?
Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : On XX/XX/XXXX, upon receipt of an online request from you, you were approved for an extension of the COVID-19 forbearance plan, which was good through XX/XX/XXXX. As an additional courtesy, Planet backdated the forbearance plan to XX/XX/XXXX, waived your late fees and ensured no negative credit reporting was furnished to the three major agencies pursuant to the CARES Act while you were on a forbearance. Therefore, you were provided with a COVID-19 forbearance plan for a total of 18 months, which is the maximum number permitted by the VA for loans with a COVID-19 hardship on or prior to XX/XX/XXXX.
My Response : 1. The company has in effect detailed another violation of the CARES ACT and VA Circular 26-21-04, as neither imply or expressly provide a mortgage servicer the authority to retroactively apply/backdate the application of a CARES ACT COVID-19 forbearance.
2. The document provided by the company on XX/XX/XXXX allowing a one month extension of forbearance makes no mention of a retroactive/backdated forbearance. See forbearanceml.pdf.
3. Whatever they do regarding the forbearance has to be requested by me per the CARES ACT and VA Circular 26-21-04. I never requested they retroactively apply the two months of remaining eligibility. It makes no sense. Why not apply it for XXXX and XXXX? Whatever alleged benefit ( lates fees and credit bureau reporting ) would of applied to XXXX and XXXX.
Ive called and emailed regarding the name, address, and phone number of the owner of my mortgage to no avail. Please provide the previously mentioned information for the owner of my mortgage.
|
Consumer Consent Provided |
Consent provided
|
|
5607383
|
2022-05-25
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2022-05-25
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-05-26
|
Consumer Consent Provided |
N/A
|
|
5593989
|
2022-05-23
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2022-05-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-05-23
|
Complaint What Happened |
Planet Home Lending collected escrow for our property taxes via our monthly mortgage payments. In good faith, we relied on Planet Home Lending to pay our taxes from our escrow account. We received notice from our county of a pending tax lien sale on our home effective XX/XX/XXXX. We contacted Planet Home Lending. They verified they had failed to pay our property tax bill when they received it XX/XX/XXXX per their customer service. They advised us to fax them a copy of the tax bill and they would pay it within 10 days. We faxed it to them on XX/XX/XXXX. We contacted them 10 business days later. They did not pay our property taxes. They advised they would review the issue, without promise of any completion date. We contacted them multiple times and each time were advised they had not paid the tax bill because they were still researching the issue. Our prior mortgage companies, before selling to different banks, all paid our tax bills from escrows they collected. Planet Home Lending collected escrow funds from us, in order to pay the tax bill, but they kept the money and did not pay the tax bill. We had to pay our tax bill from our saving to prevent the county from selling the tax lien against our home on XX/XX/XXXX because Planet Home Lending took our escrow funds, held our escrow funds for the property taxes, and failed to pay the property taxes as promised. This has caused us financial hardship. In good faith, we submitted proof of the paid tax bill from our county to Planet Home Lending and requested they refund the overage now in our escrow account to us. Planet Home Lending said they would research this and to follow up today XX/XX/XXXX. Instead of refunding us, their representative advised us that they marked the account as " Taxes Paid '' and closed the escalation ticket for our refund review. Another representative advised the ticket was open yet it was only to get the penalty back from the county. The penalty being the result of Planet Home Lending 's negligence to pay our property taxes prior to XX/XX/XXXX when they were due. Instead, the county assessed a penalty which was paid by us, to the county, along with the property tax bill that Planet Home Lending failed to pay. Their representative advised they were requesting a refund of the penalty from the county. We advised them the county assessed the penalty because of Planet Home Lending 's failure to pay the bill and we questioned why Planet Home Lending felt the county owed them a refund for the assessed penalty for their negligence, when we paid the penalty. They advised that would be researched by XX/XX/XXXX. They give the county 45 days to refund a penalty which was legitimately assessed by the county because the Planet Home Lending was negligent and failed to pay the tax bill from the collected escrow account we paid to Planet Home Lending. Planet Home Lending advised us that there is no refund indicated. That they are only looking for their refund for the penalty that they caused. They advised once their escalation team resolves this escalation ticket, no earlier than XX/XX/XXXX, they will let another team know. This other team will then review the results of the escalation ticket for the refund of the penalty. But there is no indication they will refund us for the amount that we paid out of pocket, in addition to the prior year of escrow and the ongoing escrow they continue to collect from us for property taxes which they have not paid. This is the loop of misinformation that protects their theft of our escrow.
|
Consumer Consent Provided |
Consent provided
|
|
7155607
|
2023-06-23
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2023-06-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-06-23
|
Complaint What Happened |
Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due XXXX XXXX XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.
|
Consumer Consent Provided |
Consent provided
|
|
10353598
|
2024-10-04
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
Fees charged
|
Sub Product |
FHA mortgage
|
Date Received |
2024-10-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-04
|
Consumer Consent Provided |
Consent not provided
|
|
10928952
|
2024-11-25
|
Incorrect information on your report
|
Mortgage
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
Account status incorrect
|
Sub Product |
FHA mortgage
|
Date Received |
2024-11-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-25
|
Complaint What Happened |
Account : Planet Home Lending ( PHL ) This account is currently reporting inaccurately : I had a forbearance agreement plan with Planet Home Lending, and this information is listed on my monthly statements.
Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.
|
Consumer Consent Provided |
Consent provided
|
|
3503348
|
2020-01-21
|
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 |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2020-01-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-01-21
|
Complaint What Happened |
I have been trying to refinance my VA Loan with Planet Home Lending since XXXX. I was told in the beginning of XXXX that I would be closing by the end of the month and that I did not have to pay XXXX and XXXX payments and that my new, reduced payment would take affect XX/XX/2019. I was doing the IRRL refi, as my mortgage was due to increase and I was struggling with the current payment. On XX/XX/XXXX. 2019 I was informed by the agent I was working with Mr XXXX XXXX, that I would not be closing in XXXX and would now have to pay XXXX and in 2 days, XXXX mortgage before they could process the refi. I advised again, I could not do this, I had just borrowed from my 401K in XXXX to get current so the process could be finalzed in XXXX. I had nothing left to borrow from. I was told nothing could be done until my payments were current, NOTHING. Well at that point I reached out to my husband, who abandoned me and the marital residence, 10 days after closing, and who never contributed financially up to this point ; and I asked for assistance. He then let me know he lost his job and was unemployed and could not assist. I am now 4 months behind and no one is offfering any guidance, or advising what my opotions are and I do not want to lose my house.
|
Consumer Consent Provided |
Consent provided
|
|
2602967
|
2017-08-12
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2017-08-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-08-12
|
Complaint What Happened |
XX/XX/XXXX PLANET HOME LENDING increased my mortgage from {$500.00} to {$1300.00} stating that they had to add insurance. I called and instructed them that my insurance the entire structure is covered by the homeowners association. I submitted the first set of paper XX/XX/XXXX after not getting a response I called and was told I submitted the wrong information. I resubmitted the proper information in XX/XX/XXXX and was also called by one of their agents i told him i am willing to pay my regular XX/XX/XXXX and XX/XX/XXXX payment he told me no it had to be the entire amount due.I called the insurance department on XX/XX/XXXX to see if everything was in order and was told that they received the proper paperwork but was not readable, we did a 3 way call to XXXX direct thats the company for the insurance paperwork and it was faxed again I was told by the agent { XXXX } that everything was good and by Wednesday everything be sent to escrow to complete. I kept calling and each time i called i was told something different until i got an agent named XXXX i told her the story and resubmitted the documation to her this was in XX/XX/XXXX and XX/XX/XXXX i had to submit the previous year insurance and once again i have to wait on escrow this was not finalized until XX/XX/XXXX and now i am being charged an additional {$3000.00} in foreclosure fee. All the information was submitted that was requested there closest office is 4 hours away and each time i call its a different agent answering its an XXXX number. I just think its crazy for their delays. I am now being punished and threatened with loosing my home. Now they are listing my new payments as {$520.00} they are still adding on.
|
Consumer Consent Provided |
Consent provided
|
|
993771
|
2014-08-20
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2014-08-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-08-20
|
Consumer Consent Provided |
N/A
|
|
2497691
|
2017-05-31
|
Incorrect information on your report
|
Mortgage
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
Account information incorrect
|
Sub Product |
FHA mortgage
|
Date Received |
2017-05-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-05-31
|
Complaint What Happened |
After looking over my credit report, I noticed that there was a listing on credit report for a company by the name of XXXX XXXX ( on some credit report s ) & Planet Home Lending ( on others ), which ar e one in the same. I noticed that they have me opening a loan with them in XXXX XXXX , in which I have never opened a loan with them. My initial loan in XXXX XXXX , was with another company as shown through the recording information via verifiable proof on t he Hillsborough Clerk of Court 's website, where all recording for mortgages and the like are shown. I immediately contacted XXXX XXXX /Planet Home Lending and s poke with XXXX and explained to him the problem. I have contacted several people since that time, XXXX who represented herself as the supervisor as well as advised her of the situation, XXXX , and I finally got fed up and sent an email to XXXX XXXX on XXXX XXXX , XXXX who is shown to be the President of XXXX XXXX t/Planet Home Lending, with no response or acknowledgement. In the email I detailed my complaint as well as provided screenshots of their listing on each of my credit reports. Since I had n't received a response, I sent a follow up on XXXX XXXX , XXXX , still no response. Mind you, I was following up with customer service between these dates to see if maybe the email had been forwarded to another department to handle, but it had not been. I kept calling and spoke with XXXX again and explained this issue to her again, in which they are inaccurately reporting and explained I had not heard from their president in regardings to my issue. I forwared XXXX the email I sent to XXXX XXXX at her request and she was to look into the issue and call me back. I learned after speaking with representative, XXXX today that per their credit department, they are accurately reporting and this is not true.
|
Consumer Consent Provided |
Consent provided
|
|
2312860
|
2017-01-26
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
No
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2017-01-26
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-01-26
|
Complaint What Happened |
Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
|
Consumer Consent Provided |
Consent provided
|
|
2214416
|
2016-11-17
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
No
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2016-11-17
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-11-18
|
Complaint What Happened |
Planet home lending took over my loan from XXXX bank earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX. This was in XX/XX/2016 and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX since last XXXX but all of sudden, my XXXX monthly payment jumped to $ XXXX. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until this XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
|
Consumer Consent Provided |
Consent provided
|
|
2187914
|
2016-10-31
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2016-10-31
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-10-31
|
Complaint What Happened |
My loan went into forclosure due to an issue with a divorce. Once I got that out of the way I filed for bankruptcy and put the house on the market for sale. I got a full price offer within 15 days and went to set up closing on XXXX XXXX, 2016. My title company requested closing documents from Planet Home Lending ( my mortgage company ) on XXXX XXXX. When we got to XXXX XXXX, and had not received closing docs we called Planet home Lending who said they see they received the request but ca n't find it. Please resubmit. So we changed closing to the XXXX of XXXX and resent request. We never heard back again so on the XXXX we called and they said we would have in the morning before my title company got in the office. We are calling and emailing everyday at this point but only being able to speak with customer service and they would not let us speak with the closing docs dept. so long story short we have had to cancel closing 4 times. We are set for closing now on XXXX XXXX but seems like we are not going to get closing docs. I have had to allow buyers to move in home with free rent for almost a month now and I have had to pay electric and water to not get them to pull out of sale. They said if we do n't close XXXX XXXX which will be the XXXX time we have cancelled closing due to not having closing docs. So I have had to get charged for an extra month of mortgage, extra month of penalties and fees and the rent, electric and Water and now I may lose the entire sale. I feel because I have so much equity in the home that they are trying to sabotage the sale of the home so they can foreclose and repossess the home. I was told there was a law that gave mortgage company 7 days to give pay off. We have been waiting almost XXXX now with no end in sight. Please help!
XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
1684591
|
2015-12-05
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
No
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2015-12-05
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-12-05
|
Consumer Consent Provided |
Consent not provided
|
|
722526
|
2014-02-20
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2014-02-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-02-20
|
Consumer Consent Provided |
N/A
|
|
1712823
|
2015-12-22
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
No
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2015-12-22
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-12-22
|
Complaint What Happened |
In XXXX of XXXX, my son was being treated for XXXX. I called the mortgage company, Planet Home Lending, and advised them that it would be difficult to make a payment because my son was sick. I asked the mortgage company if they offered any kind of service that allowed me to make a reduced payment that month.
They told me that I should not worry about anything, because I could simply make a double payment the next month and everything would be ok. The next month, when I attempted to make a double payment, they told me that they were no longer accepting my payments because they had placed me in foreclosure.
When I advised them that someone told me to simply make a double payment, they told me that they would no longer accept my money, and that instead I should apply for a loan modification.
They sent me the paper work, but everytime I submitted it they returned it to me saying that documents I had already submitted were missing. In the meantime, I was served with foreclosure paperwork.
When I called Planet Home Lending to inquire about the foreclosure lawsuit, they told me it was nothing to worry about. Planet Home Lending said it was all taken care of for me and that I should not attend court because there would be no foreclosure.
I continued to attempt to make mortgage payments and to finalize the loan modifications, but Planet Home Lending refused to work with me. On Thursday, XXXX XXXX, the mortgage servicer foreclosed on me and set a sale date for XXXX XXXX, XXXX.
This is a XXXX loan. The servicer refused to work with me. They purposefully lied to me. They told me to not attend court. They refuse to handle my loan modification properly. I have sick child, and I can afford my mortgage, yet they are refusing to work with me and are attempting to sell my house.
|
Consumer Consent Provided |
Consent provided
|
|
1472204
|
2015-07-16
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2015-07-16
|
Submitted Via |
Referral
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-07-22
|
Consumer Consent Provided |
N/A
|
|
631106
|
2013-12-12
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2013-12-12
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-12-13
|
Consumer Consent Provided |
N/A
|
|
10630469
|
2024-10-30
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
Paying off the loan
|
Sub Product |
VA mortgage
|
Date Received |
2024-10-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-30
|
Complaint What Happened |
We recently lost our home to flooding from Hurricane Helene. Due to FEMA restrictions we are unable to repair the home and can not afford to raise it and bring it up to FEMA code. We therefore sold the property " as is '' and want to use the sale and the insurance payout to pay off the mortgage. We were able to secure a cash buyer and a quick close. The mortgage company, Planet Home Lending, says their corporate policy is to only apply insurance pay outs to close the loan. The payoff amount they provided to the title company is about {$560000.00}. We have sold the home for {$360000.00} and have an insurance payout of {$220000.00}. We have already endorsed the insurance check and had it delivered overnight to the address they provided and it has been delivered to them. The issue is, for title insurance purposes, the title company can not send the mortgage company less money than what is on the pay off document provided. We have asked Planet Home Lending to provide a new pay off amount that deducts the insurance money. This new amount would be entirely covered by the sale of the property and match the amount the title company has to send them. They refuse to do this. We have talked to a few different customer service representatives who have given different answers about whether this can happen or not ; we have also been told it has to go through corporate, who then has to reach out to the investor, who will decide whether they will accept the insurance money before the money from the sale. Instead they suggested we the borrowers bring over {$220000.00} to the closing to cover the difference and they will then send the insurance money back to us after the account is closed. They have {$220000.00} in their possession. They are creating an unnecessary roadblock to the sale of this property.
|
Consumer Consent Provided |
Consent provided
|
|
10592871
|
2024-10-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2024-10-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-28
|
Consumer Consent Provided |
Consent not provided
|
|
10219973
|
2024-09-23
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
Escrow, taxes, or insurance
|
Sub Product |
Conventional home mortgage
|
Date Received |
2024-09-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-09-23
|
Complaint What Happened |
Planet home lending escrows the cost of insurance. The policy needed to be put in place in XX/XX/year>. I obtained a proposed insurance policy and contacted Planet to get their approval of the policy. Planet confirmed both in writing and by telephone in XX/XX/year> that the insurance policy I proposed was acceptable to Planet. Then Planet paid for the insurance policy charging my escrow account for the premium.
Months later, Planet wrote me saying that the insurance that they approved and charged my escrow account for is insufficient and force placed a new policy costing over {$20000.00} extra. I have written Planet at least XXXX times since this new policy was force placed demanding that Planet remove this cost from my escrow company.
While Planet has acknowledged receipt of my complaint, they have refused to refund this extra cost charged to me.
|
Consumer Consent Provided |
Consent provided
|
|
2288599
|
2017-01-13
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2017-01-13
|
Submitted Via |
Referral
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-01-17
|
Consumer Consent Provided |
N/A
|
|
5053964
|
2021-12-29
|
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 |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
FHA mortgage
|
Date Received |
2021-12-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-12-29
|
Complaint What Happened |
While I was in forbearance with my mortgage lender they are not supposed to send any negative remarks towards my credit bureau which they have been I have contacted the credit bureau I have contacted my bank lender and not I should have been done to remove this negative remarks I want action being taken against them and I want these negative remarks be removed from my credit as soon as possible. The name of the bank lender is planet home lending
|
Consumer Consent Provided |
Consent provided
|
|
2884254
|
2018-04-23
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
Issue |
Applying for a mortgage or refinancing an existing mortgage
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2018-04-23
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-04-23
|
Consumer Consent Provided |
N/A
|
|
3646377
|
2020-05-11
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2020-05-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-05-11
|
Consumer Consent Provided |
Consent not provided
|
|
2781977
|
2018-01-13
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
PLANET HOME LENDING, LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2018-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-13
|
Consumer Consent Provided |
Consent not provided
|
|