|
2910682
|
2018-05-17
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2018-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-17
|
| Complaint What Happened |
I have been trying with Lender 360 mortgage, but I am behind so they will not accept partial payments only full payments with prearranges included also. since XX/XX/2016 they called me every two weeks to remind that they newer a debit collector and gave the new behind payment amount. Consumer law says they are on the lead of this to stop sale but the same questions of payments and intent of property are first and not take a payment. Now three weeks later we are still doing a hard ship letter again with same reasons but further explained as if the circumstances have changed much. But I have now got bad credit with giving up on credit score to keep home and now two weeks to sale I don't believe they have or even care of the impact this will have on my psychological state I have no other recourse due to college students [ children ] need expensiveness and garnishment for child support.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2446331
|
2017-04-21
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2017-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-21
|
| Complaint What Happened |
On XXXX XXXX , I Initiated a hardship request because of an unforeseen medical situation. Expecting that payments may be late or missed for 1 to 3 months or some time between XXXX XXXX and XXXX XXXX . 360 Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX , ( XXXX ) XXXX , could not have done anything more to prohibit this request offered by HUD for assistance to lenders for with unforeseen life situations. The improprieties were : 1. In the email correspondence provided, the loss mitigation specialist XXXX XXXX after numerous requests to contact me by phone to clarify conditions on stipulation list never replied although confirmation emails were sent stating a reply would occur in 72 h ours. Replies never occurred, all contact information was initiated by XXXX XXXX . 2. When speaking with Cust Service t he gatekeeper for the Loss Mitigation Dept, those reps stated Federal hardship requests are rarely ever approved b y 360 Mortgage because of the guidelines with FHA. Without seeing the documentation or knowing anything re : the request, how can a Customer Service Rep make that claim? 3. The Document Checklist list for the Hardship Application had 25 d ocument requests, 21 had a box with an " x '' and 4 had a box that was empty. Assuming the " x '' meant required documents, they were sent to Ms XXXX only to find out one day before the doc deadline XX/XX/XXXX that all docs would be required I furiously gathered a re-faxed docs on XXXX XXXX the date of the deadline, only to find out 360 F ax was down that day. *Ms. XXXX denied the request and the hardship application was pulled on XXXX XXXX 3. While this Assistance package nightmare process was going on I feverishly tried to keep up the payments, AND DID. While XXXX and XXXX were late, they were made. 360 reported tot he credit reporting agencies these late payments and now a refinance to go with another lender CAN NOT be attained. I 've requested 360 mortgage to remove these derogatory items and they have declined for XX/XX/XXXX and XXXX of XXXX . Unfair trade practices, customer intimidation, overloaded loss mitigation and customer service staff, failure to follow federal guidelines for home assistance programs, failure to accept responsibility for electronic document transmission errors and erroneous reporting for extenuating circumstances are just a few of the process flaws that are systemic in the Mortgage Origination, Servicing and Cusotmer Service with 360 mortgage. XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2040444
|
2016-08-01
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2016-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1961586
|
2016-06-09
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2016-06-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-06-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2439282
|
2017-04-17
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2752889
|
2017-12-12
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2017-12-12
|
| Submitted Via |
Fax
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-12
|
| Consumer Consent Provided |
N/A
|
|
|
1271673
|
2015-03-06
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-06
|
| Consumer Consent Provided |
N/A
|
|
|
2024975
|
2016-07-22
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2016-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2487010
|
2017-05-17
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2493412
|
2017-05-24
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-05-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2857883
|
2018-03-28
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2018-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-28
|
| Complaint What Happened |
I am a XXXX veteran who is retired and living on a fixed income. I am in danger of foreclosure because my mortgage company 360 Mortgage Group, has refused to engage with me to try and work things out. Due to my daughters health and XXXX issues which ultimately led to her XXXX I had some financial struggles which caused me to default on my mortgage. I have tried repeatedly to get my mortgage lender to work with me to come up with a plan or a modification or a restructured loan so I can get caught up and resume regular payments. They have conditionally refused to even give me the time of day. My loan is a VA loan that is backed by the government. I was told by a counselor that this company is REQUIRED to conduct a review of my current financial information in order to try and qualify me for government homeowner assistance programs. 360 Mortgage Group has refused to follow the rules and guidelines.
I thought I was doing the right thing when I agreed to refinance into this new loan with 360 Mortgage because I was able to use some of the cash out to pay off my debt. I did not find out until after the loan had closed that they slipped in 3 points that I had to pay as their fee! I thought that was not the way that you should treat a XXXX veteran. Even so, I was able to make my monthly payment of {$1800.00}. I began struggling financially because my daughter XXXX had to go into a XXXX and XXXX XXXX program while away at school. This was financially and emotionally draining for me because all of the medical expenses were out of pocket. Due to this fact I had trouble making the mortgage payment. At the time I was so grateful because my daughter got out and it seemed like she was on the right track. However, after she went back to school she XXXX and they found her XXXX in her room from a XXXX XXXX. It was so heartbreaking to lose her at the age of XXXX. Of course there were many costs associated with the funeral and the settling of her affairs and medical bills and I have been in a very bad place for a long time.
I have been trying to rebuild my life and have tried on several occasions over the last year to engage with the 360 Mortgage loss mitigation department to try and get a review for homeowner assistance programs started. I have never made any progress ; they have never assigned a dedicated point of contact, they have never opened a review of my financial information, in fact they have not even allowed me to APPLY for assistance. Their agents tell me there is no help available and they act like they could care less about my daughters XXXX. They tell me pay up now or we are going to take your house. I get calls at least 2-3 times a day at all hours from 360 demanding I pay $ XXXX to reinstate the loan. I just dont have that kind of money available.
I served my country proudly in the XXXX XXXX and I am now XXXX and retired living on a fixed income. I find it unconscionable that 360 Mortgage Group refuses to allow me access to government programs that they are required to consider me for. I want to get my loan restructured or modified or get some type of forbearance agreement or repayment plan set up. I know there are options besides full reinstatement ( which is not possible ). I need help
|
| Consumer Consent Provided |
Consent provided
|
|
|
2430534
|
2017-04-11
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-04-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
pmi REMOVAL from loan. I am at 72 % loan to current ratio and amount of actual amortization that they would take PMI off and they refuse to do so. I know there is homeowner protection act to stop this. Can you help me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2418529
|
2017-04-04
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-04-04
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
633723
|
2013-12-13
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
360 MORTGAGE GROUP LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2013-12-13
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-12-16
|
| Consumer Consent Provided |
N/A
|
|
