Mortgage -- Struggling to pay mortgage -- Complaint #17875350
Complaint Overview
Complaint ID: 17875350
Company: Roundpoint Mortgage Servicing LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
State: Texas
ZIP Code: 786XX
Date Received: 2025-11-13T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My mortgage was originated by XXXX XXXX XXXX on XX/XX/year> and is currently serviced by RoundPoint Mortgage Servicing. The fully executed Promissory Note from closing shows three borrowers : myself ( XXXX XXXX ), my wife ( XXXX XXXX ), and my brother in law ( XXXX XXXX XXXX ). All three of us signed the note as borrowers. RoundPoint has provided inconsistent and incorrect information about our loan for several days. Multiple RoundPoint representatives told me that only two borrowers were on the loan and that my brother in law was not part of the mortgage. After four calls, RoundPoint finally acknowledged that all three of us are in fact on the loan and that all three of us had a late payment reported to the credit bureaus. RoundPoint also had the wrong phone number on file. This prevented proper delinquency notifications from reaching us. Neither my wife nor I received any valid notice prior to the reported late payment. My brother in law did not receive any notice either. Because all three of us are borrowers, the servicer had a responsibility to notify all parties, and this did not happen. The failure to notify us, the incorrect borrower information provided repeatedly, and the confusion inside RoundPoint created a servicing error that directly led to the negative credit reporting. The balance was paid immediately once we learned of the issue. I am requesting that CFPB review this matter, and that RoundPoint remove or suppress the derogatory credit reporting for all borrowers because the late reporting resulted from servicing errors, incorrect borrower handling, and failure to notify all responsible parties. I have documentation including the signed Promissory Note that confirms all three borrowers. I am attaching that with this complaint.
Frequently Asked Questions
What is Complaint #17875350 about?
Complaint #17875350 was filed against Roundpoint Mortgage Servicing LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-11-13T12:00:00-05:00.
How did Roundpoint Mortgage Servicing LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Roundpoint Mortgage Servicing LLC?
Yes, visit the Roundpoint Mortgage Servicing LLC company profile at readthecomplaint.com/company/roundpoint-mortgage-servicing-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.