CFPB Complaints

Habitat for Humanity homes for reach XXXX XXXX in all the banks in the state of Minnesota has denied me due to my benefits as well as all the Minnesota state first time homebuyers program, deny my income due to discriminatory factors that my income was non-taxable and was Social Security benefits, all the states and local mortgage and first time homebuyers programs deny my application due to them to strongly discriminating on the fact that they said that I was not working and I didnt have a job and because my income was solely all Social Security benefits due to my XXXX I feel this is slander. This is discriminatory and financial exploitation

Im having some financial problems right at the moment and I am XXXX months behind on my mortgage from XXXX, XXXX, and XXXX I already explained to them that on the XXXX of XX/XX/year> I will be making XXXX payments to catch up and I was told I could not that they would not apply the payments I was told that I had to make XXXX payments by XX/XX/XXXX this isnt the first that this happened and I am fed up I dont want to lose my home because they refuse to take my money what can I do? Is this even legal my lender is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I asked for a tax info because the tax preparer said I was supposed to get one and they denied me of one and they also lied about the pay off

late XX/XX/year>, I emailed XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX ( VP of XXXX XXXX XXXX ), and HR the list of those XXXX compliant, as monitoring XXXX compliance was one of my job descriptions. XXXXXXXX XXXX XXXX XXXXXXXX was not listed as XXXX compliant In early XX/XX/year>, I spoke with XXXX, informing her that she was not XXXX compliant and needed to resolve this. In early XX/XX/year>, I conducted a department meeting, and one of the items on the meetings agenda was XXXX compliance. I again informed XXXX that she was not in XXXX compliance. On XX/XX/year>, I was abruptly and without warning terminated. On XX/XX/year>, I emailed the Habitat for Humanity International office to confirm if any employees, including senior staff, needed to be XXXX compliant while handling mortgage applications or documents. They confirmed that all employees, both junior and senior staff, must be XXXX compliant when handling mortgage applicants and documents. On XX/XX/year>XXXX I received documentation showing that XXXXXXXX XXXX XXXX XXXX was not XXXX compliant

Dear [ Agency/Recipient Name ], My name is XXXX XXXX XXXX and I am a homeowner in XXXX XXXX XXXX Florida. I am submitting the attached formal dispute letter regarding serious mismanagement of my mortgage loan through XXXX for XXXX. I am currently facing foreclosure despite making over {$73000.00} in payments, many of which were overpayments or rejected without cause. The attached letter includes : A detailed timeline of all payments I made from XXXX through XXXX Documentation of payments that were returned by the loan servicer A clear explanation of how payments were misapplied, my principal was not reduced, and fees were wrongly assessed I respectfully request your office conduct an immediate investigation and halt all foreclosure activity until my payment history is fully reviewed and corrected. If you need supporting documents or additional evidence, I am happy to provide them. Thank you for your time and attention. Sincerely, XXXX XXXX XXXX XXXX XXXX North XXXX XXXX, FL XXXX XXXX XXXX If this is not what youre asking for, please reach out to me. Thank you.

Lost work and income do to XXXX and on last XXXX XXXX XXXXXXXX XXXX need help keeping my home

I was approved by a government organization called XXXX XXXX XXXX to pay off the remaining balance of my mortgage but my Lender would not approve to accept the payment. I need a reason why they wouldnt accept the payoff amount when you accepted it on 5 homes from the same organization.

I applied for a first time home buyer program call Habitat for Humanity because the family owned home is falling down and family is unable to repair it. Also contractors states it's unable to be repaired due to the age of the home. I waited until my score was over XXXX to apply. I completed the classes and received certificate for the completion of the class. Today I received a letter turning me down for the home because they stated my score was XXXX, which I know is false because I checked it BEFORE I SUBMITTED IT ON XX/XX/, and all 3 scores were XXXX plus. Requested proof and they can't supply it because it was untrue. Habitat for Humanity for XXXX and letter was signed by XXXX XXXX XXXX XXXX I shouldn't have been disqualified because of my past credit, I'm a XXXX yr. old XXXX XXXX XXXX who has worked to improve my credit score just to be able to get a better way of life. When I was told my score had to be XXXX, I did it SO whyam I being penalized for that?

Date : XX/XX/XXXX To : XXXX County Habitat for Humanity XXXX XXXX XXXX XXXX, AL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX RE : Information Request Mortgage loan number : XXXX XXXX I am writing to request the information described below regarding the mortgage on my property at XXXX XXXX. Specifically, Im requesting the following information : Assumption of the mortgage I would like to know the steps I need to take in order put my name on mortgage. This matter is being handled by my lawyer. Mortgage and Loan Analysis of account. This statement would include all deposits, credits, debts, and fees assessed to my account. This statement would include all payments ( payment history ) made from XXXX to current date, in Chronological order. This statement would have the current Principal balance of the account as is to date. This statement would include all payments made from my escrow account disbursement. Provide me with a copy of all papers related to XXXX XXXX Alabama Include an explanation as to why the {$30000.00} from XXXX XXXX failed to pay off my mom s mortgage if she only owed you {$15000.00} at the time ( this is what Habitat told my mom ). Around XXXX my mom began struggle to make ends meet and to pay her mortgage payments, which resulted in her applying for mortgage assistance with XXXX XXXX Alabama. To my understanding this would help XXXX get caught up on her mortgage and pay her mortgage in full ; at least that was what XXXX told XXXX would happen. During this time ( XXXX ) she continued to receive letters in the mail about late payments and possible foreclosure, while during this time XXXX was sending her monthly statements from XXXX XXXX Alabama to cover her for the month. I need Clarification on how the XXXX XXXX Alabama funds was applied to the mortgage since it did not result in XXXX home being paid in full. Between XXXX my mom did not receive any mortgage statements on her account and was unable to verify how her mortgage payments and account was being handled. In XXXX a Mortgage Cancellation and Release was filled with the state of Alabama. It stated that XXXX mortgage was paid in full and fully released, satisfied, discharged, and cancelled. Please explain!!! I spoke with XXXX XXXX ( executive Director ) on multi occasions about this matter and each time she refused to discuss the issues with me. She said that her lawyer advised her not to discuss anything with me about the mortgage. Since the mortgage is still in my mom, XXXX XXXX name. XXXX XXXX just ask for a copy of my Quit Claim Deed. I gave her a copy of the quit claim deed and yet she still did not give me any information about what I need to do or anything about the mortgage. On XX/XX/XXXX, I called Habitat for Humanity International at XXXX complaint line and spoke with someone about my issue. The representative just said that she documented my complaint and would get it to the right person. Well, she just called XXXX XXXX about the issue and had her to give me a call. On XX/XX/XXXX, XXXX XXXX called me because Habitat for Humanity International asked her to speak with me about my issue ( why didnt Habitat International investigate my complaint further ). XXXX XXXX just stated that whenever I have any questions about my mortgage to call her because the Habitat office in XXXX, AL is just an affiliate of Habitat for Humanity International and does not know about my situation. XXXX XXXX also stated that she had finally talked to her lawyer about assuming the mortgage into my name. She stated that the lawyer was looking into what to do about the assumption of mortgage. XXXX XXXX also stated that the lawyer had been busy, and she would contact me as soon as the lawyer contacted her and that I should continue to make my monthly mortgage payments. I have been waiting for over 4 months for some answers. It has been over 4months since my mom passed and I have been given the run around. I just want to be respected as a person and acknowledged as a homeowner and for Habitat to provide me with information that I lawfully have a right too. Thank you for taking the time to acknowledge and answer this request. If you need to contact me, I can be reached at the above address or XXXX and XXXX. Supporting documents is attached. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX To : XXXX County Habitat for Humanity XXXX XXXX XXXX XXXX, AL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX RE : Notice of Error Mortgage Loan Number : XXXX XXXX I am writing to request correction of the errors described below regarding the mortgage on my property at XXXX XXXX XXXX. Specifically, Im requesting correction to the following errors : Your company failed to provide an accurate principal balance on XX/XX/XXXX, Mortgage statement ( Amount much higher than expected ) I was looking over my moms mortgage paperwork in XXXX of XXXX ; when I noticed two errors on one of her mortgage statements ( XX/XX/XXXX, statement ). The first error I noticed was the total principal balance amount was {$32000.00}. I immediately looked at XXXX next to the last mortgage statement that she received in XXXX, which had a principal balance of {$11000.00} ( my moms home should be paid in full by now ). What is really going on here! Since my mom never received most of her monthly statements from habitat, she was unable to keep track and verify how her mortgage payments and principal balance, was being handled. And the last two years of her life she was too sick to handle her business. The {$32000.00} balance need to be corrected to show the actual amount owed ( Which should say paid in full ). The second error will be discussed below. Yor company failed to provide an accurate Silent 2nd Mortgage amount owed ( Silent 2nd mortgage should be paid in full after 20 years ) On the XX/XX/XXXX, mortgage statement ( last statement XXXX received ) I noticed that there was a 2nd mortgage balance of {$9500.00}. To my knowledge the Silent 2nd mortgage is to keep homeowners from selling their homes quickly for a profit. The Silent 2nd mortgage is supposed to decrease every year by a certain percentage ; so that in 20 years it has been paid off. My mom has been in her home since XXXX ; this is over 20 years ago! Her Silent 2nd mortgage should be paid in full. Why is there still a balance? Provide me with all documentation showing how the Silent 2nd mortgage was decreased each year. Since I lost my mom in XX/XX/XXXX, I have contacted XXXX XXXX many times trying to find out what I needed to do to assume the mortgage in my name and get answers to the other issues I have noticed since I looked over my moms paperwork. XXXX XXXX has been giving me the run around by refusing to tell me anything about the mortgage and keep stating that she must talk to her lawyer. If you need to contact me, I can be reached at the above address or XXXX or XXXX. Supporting documents is attached. Sincerely, XXXX XXXX XXXX XXXX ReStore XXXX XXXX XXXX ( 5 hours ago ) to XXXX XXXX me XXXX XXXX XXXX I sent an email to your attorney advising him that my office will be sending him correspondence in reference to the certified letter that we received. Please be aware that XXXX XXXX XXXX did not have a free and clear mortgage and therefore we are the lienholder of the said property. You were not listed on the mortgage. I will send your attorney information regarding payoff so that you can try and obtain financing of said property. Thanks XXXX XXXX Executive Director XXXX County Habitat for Humanity -- XXXX County Habitat for Humanity ReStore XXXX XXXX XXXX. XXXX, AL XXXX XXXX XXXX XXXX