|
2565148
|
2017-07-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Mortgage debt
|
| Date Received |
2017-07-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-04
|
| Complaint What Happened |
On X/XX/17, I purchased a property from XXXX. Shortly, thereafter, I was called by a representative from Kondaur Capital Corp. stating they held a senior loan on the property ( taken out by XXXX XXXX, deceased ) that I purchased and demanded I complete a payoff to prevent foreclosure of his mortgage. ( Neither me or my corporation have any contractual obligation for those debts. ) During our email conversation, I instructed both both the representative, XXXX XXXX, and the main office that I only wished to be contacted in writing to the address listed on the state of Florida 's Division of Corporation for my corporation. However, they continue to email me to threaten me with foreclosure and to pressure me into accepting their offer for {$3000.00} in exchange for my deed in lieu of foreclosure for a property that I have over {$70000.00} invested in. Because I have consistently declined that offer and have stated that there would never be an acceptance of such an offer, continued emails to make such an offer are harassment, which is illegal. The most recent email came in yesterday at approximately XXXX XXXX. I want this activity to stop and for KCC to be held accountable to the fullest extent of the law for their unlawful debt collection practices.
|
| Consumer Consent Provided |
Consent provided
|
|
|
865894
|
2014-05-23
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Mortgage
|
| Date Received |
2014-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-23
|
| Consumer Consent Provided |
N/A
|
|
|
1497968
|
2015-08-01
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2015-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-08-01
|
| Complaint What Happened |
I 'm a single mom. My primary house that I live in withMy daughter is in foreclosure. I have been tryingto modify the with Kondaur Capital corporation loan # XXXX .. I complied with all the demands but theyrefused the modification and only gave me option toeither to do a short sale or foreclose on the house.
I accepted to go for short sale because I cant afford thelawyer fees. Even with the short sale they pressured meto use their own agent and to sign a document that denyme all my rights in the house and when I complainedand wanted to use my own agent they cornered mewith a high listing price that is higher of the market priceXXXX more .. which makes it impossible to selland they limited the time and commission to the agent.
that if I do n't sell in the given short period they are notapproving the short sale and they are going to courtthey keep pressuring me to give up my house and pushingme to pay lawyer that is costing me lots of moneythis is my primary residence and my daughter goes toschool .. it is very hard to relocate now.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1681493
|
2015-12-03
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2015-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-03
|
| Complaint What Happened |
After a mishap by my Property Insurance Agent who mistakenly did not report to my lender a copy of a valid Insurance binder as proof of my home owner 's insurance coverage, a force placed insurance was applied to my mortgage loan. The forced placed caused an escrow shortage which the servicer attempted to cure by increasing my monthly mortgage payment amount. This new mortgage payment amount proved to be a hardship to me which caused me to fall behind on my mortgage payments. After some months of trying to request a correction of the error. I was offer a Forbearance Plan by Kondaur Capital Corporation. However, in their effort to assist they made a fatal error that may cause me to lose my home. Attached is the letter written and dated XXXX XXXX, 2014 offering the Forbearance Agreement and the executed Forbearance Agreement. The problem is that the agreement directed for the commencement of the agreement initial payment to be paid by XXXX XXXX, 2014. This was a fatal flaw in the agreement. It provided only two ( 2 ) days. The letter was not received by the borrower thru the XXXX mail until the XXXX of XXXX, 2014. Nevertheless, the Borrower XXXX XXXX signed the agreement and mailed all XXXX of the required payments dated XXXX XXXX, 2014 to Kondaur Capital Corporation in advance in good faith ( proof is attached ). The Borrower subsequently received notice from Kondaur Capital Corporation that the Forbearance Agreement was cancelled because she paid the amount due after the required date of XXXX XXXX, 2014 as per the agreement. Months and months of trying to get someone at Kondaur Capital Corporation to acknowledge and correct their error went unanswered. To further exasperate this matter, Kondaur Capital Corportion refused to return the XXXX XXXX XXXX XXXX payments. Kondaur has since refued to work with me to correct their error and began foreclosure proceedings. To make matters worst, they transferred my the servicing and rights to my mortgage to XXXX XXXX XXXX XXXX in XXXX Florida. This new entity will not negotiate with me, will not cooperate to bring my mortgage current. In fact, XXXX XXXX XXXX XXXX is a XXXX real estate investment company whos objective is to accertain non-performing loans in the hopes of foreclosing on dismayed homeowners and reselling their homes at a higher profit. They make no bones about what they are doing. When you call their office at XXXX, they answer the phone inquiring " what property are you interested in purchasing and would you like a showing ''.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1390942
|
2015-05-26
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-09
|
| Complaint What Happened |
We sent the application documents to XXXX XXXX at Koundar Capitol and their counsel starting in XX/XX/XXXX. Each time, they denied the application in less than a week. They cited that they could not create an affordable payment each time and did not explain how this came to be. We sent another application and Notice of Error to Koundar in XX/XX/XXXX with updated income and expense information, explaining that there was a change in income and expenses, making their ability to pay an affordable loan payment more possible. Just as before, in less than a week, we received correspondence that they could not come to a term with an affordable payment. We have called the assigned SPOC, XXXX XXXX, XXXX times in three months, sent her over XXXX emails, and copied these emails to XXXX other individuals at Koundar Capitol. There has been no response aside from the canned letters with no detailed explanation. The last application we sent was XX/XX/XXXX and we received notice of denial dated XX/XX/XXXX, which is only two business days later. IT IS IMPOSSIBLE TO DO A FULL REVIEW AND DETERMINE ELIGIBILITY IN TWO DAYS. All contact attempts and requests for explanation have gone unacknowledged and unaddressed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
376629
|
2013-04-09
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-06-14
|
| Consumer Consent Provided |
N/A
|
|
|
1395667
|
2015-05-28
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-05-28
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-01
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
6383823
|
2023-01-02
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-23
|
| Complaint What Happened |
l initiated a dispute with XXXX on XX/XX/XXXX and they received the dispute on XX/XX/XXXX XXXX. l received a response from XXXX on XX/XX/XXXX XXXX. The finding of their investigation was that the account was verified and accurate. I was advised by XXXX to do a dispute with your company or original creditor XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX.
This account was transferred to XXXX to XXXX to XXXX XXXX XXXX. XXXX received this account in XXXX and it was transferred to XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX l was more than 120 days late. But XXXX only had this account for 30 days or lesser. I was never late with the new company XXXX. I have a letter send to my email from XXXX XXXX XXXX that they my mortgage have been transferred to them on XXXX XXXX. I couldn't been late or was late 120 days with XXXX. I have uploaded this letter to complaint that l received from XXXX XXXX XXXX as proof that XXXX did not own this account on XXXX XXXX XXXX - XXXX. XXXX, and XXXX has removed this account from my credit report because of this inaccurate reporting a late payment that was not correct. I
|
| Consumer Consent Provided |
Consent provided
|
|
|
1428423
|
2015-06-18
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-06-18
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-23
|
| Consumer Consent Provided |
N/A
|
|
|
1566514
|
2015-09-16
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-09-16
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-21
|
| Consumer Consent Provided |
N/A
|
|
|
4144494
|
2021-02-16
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-16
|
| Consumer Consent Provided |
Other
|
|
|
8457122
|
2024-02-29
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Issue |
Foreclosure
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-02-29
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-05
|
| Consumer Consent Provided |
N/A
|
|
|
6042828
|
2022-10-03
|
Credit monitoring or identity theft protection services
|
Mortgage
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Gitsit Solutions, LLC.
|
| Product |
Mortgage
|
| Sub Issue |
Received unwanted marketing or advertising
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-10-03
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-03
|
| Consumer Consent Provided |
N/A
|
|
