|
2129900
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2016-09-24
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
GATEWAY FIRST BANK
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2016-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-09-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I found fraud in the so called loan process i.e. servicing, and originating the credit. Notice was enacted of the violations on commercial law and common law. The mortgage servicer 's fraudulent activity has voided the contract and nullified the contractual obligation of the payee. I revoked the power of attorney and instructed the company to forward the chattel papers to the updated trustee. They refused to comply with my demand. Now, they are processing an illegal foreclosure of my personal property, which is not lawful because they sold their security interest when they transferred/ assigned my promissory note to an investor that is trading my " instrument/ note '' on the open market. All of this is not legal because in Alabama, all transfers/ assigns are to be filed with the county recorder 's office.
The mortgage servicer, once mortgage lender, have no lien on my property, which makes the frivolous foreclosure process an illegal procedure. They committed securities and wire fraud by sending me a forged document ( a copy of the single indorsed security instrument ) via email communication. All incidents have been report to the pertained local and federal agencies.
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| Consumer Consent Provided |
Consent provided
|
|
|
1802450
|
2016-02-25
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
GATEWAY FIRST BANK
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2016-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1384826
|
2015-05-20
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
GATEWAY FIRST BANK
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-20
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
I received a statement showing that I was almost {$1100.00} short in my escrow account due to the fact that my mortgage lender switched ownership and did not include an RHS fee in my anticipated activity for the XX/XX/XXXX year. Also, I do not have paperwork showing in closing that I agreed to pay this fee. I have attempted to contact my lender and spoken with a customer service representative. They are only agreeing to allow me to pay the shortage back over a 24 month period instead of 12 months. As I told the representative, this was their fault and based on my paperwork, I never agreed to pay this RHS fee. I 've never received a letter or any other form of paperwork stating that a new fee was being added.
Also, I have had problems with my payments since the beginning XX/XX/XXXX. In XXXX, I wrote a check on XX/XX/XXXX. I had to contact the company on XX/XX/XXXX because my check had yet to be processed. I wanted to make sue that the check had not been lost. The customer service rep stated that he had the check in his possession and would send it for processing immediately. I also had a late fee of {$35.00} due to this. He was able to correct it at the time. In XXXX, I paid another monthly payment online as a one-time payment. It took XXXX days to process and resulted in another late fee charge that I had to address. I am aware that the new law implemented in XX/XX/XXXX about the RHS fee applies to my loan. However, I am not sure that it is legal for the new owner to back-date my loan when they bought it out in XX/XX/XXXX and are trying to charge me the RHS fee for XXXX of when my old company did n't charge me at all.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1777728
|
2016-02-08
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
GATEWAY FIRST BANK
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2016-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-08
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted.
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| Consumer Consent Provided |
Consent provided
|
|
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2465519
|
2017-04-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
GATEWAY FIRST BANK
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-25
|
| Complaint What Happened |
In XXXX XXXX , I tendered payment-in-full as per UCC article XXXX , to the mortgage servicer via USPS certifi ed mail with return receipt green card. The valid negotiable instrument was dishonored by refusal, nonperformance, and not returned to me. In accordance with UCC 3-603 ( b ) there was discharge. After numerous communications and legal Qualified Written Request, I was told that my mortgage was sold. The entity converted the mortgage into a XXXX to a company that is in conservatorship by the US Government. In the telephone conversation with th e General Counsel of the ( " originator '' ) servicer, I stated my claim to become the holder-due-course as per Uniform Commercial Code. The conversation ended stated that Non-full disclosure is considered Fraud in contract law, with make any contract void and a nullity at law. The company attempted a wrongful foreclose on my mortgage on XXXX XXXX , but the sale was cancelled. The advertised Sale stated that XXXX Gateway Mortgage Group was the foreclosing party. During the litigation process for libe l ( slander ) XXXX replied via answer to complaint, that they had nothing to do with to foreclosure trustee sale. XXXX inactivated my account. There is a fraudulent assignment recorded at my local county r ecorders office that was sign by a XXXX XXXX , VP and Secretary of XXXX . The same Looking signature of a XXXX XXXX XXXX of Gateway Mortgage Group , LLC was the in the record from the previous cancellation and satisfaction of my first mortgage loan with the lender. Both signatures where notarized by employees of Gateway Mortgage Group , LLC. This is constructive fraud and an attempt to defraud and unwitting accommodation party ( Borrower ). No beneficial interest is held by the loan servicing. Therefore, it does not have the RIGTHS of sale on a contract.
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| Consumer Consent Provided |
Consent provided
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