Mortgage -- Trouble during payment process -- Complaint #17961529
Complaint Overview
Complaint ID: 17961529
Company: Mortgage Solutions Of Colorado
Product: Mortgage
Sub-Product: VA mortgage
Issue: Trouble during payment process
Sub-Issue: Payment process
State: Washington
ZIP Code: 984XX
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Solutions Financial Facts XXXX XXXXXXXX XXXX ) : - Original servicing contract ( Property XXXX ) XXXX XXXX XXXXXXXX ( XXXX ). - Refinanced loan : XXXX XXXXXXXX ( XXXX ), balance increased by {$12000.00}. - Current servicing record ( Property XXXX ) : XXXX XXXXXXXX ( XXXX ). - Payments reversed or blocked without notice, preventing timely cure. - Portal/system showed accounts as current even when payments failed. - Refusal to accept partial payments, forcing balloon payments. - False XXXX claims despite verified funds. - Negative reporting inaccurately reflects borrower delinquency. Background : I am a veteran with VAbacked loans, guaranteed by XXXX XXXX, who has been systematically blocked from curing defaults by servicer misconduct. The servicing chain shows my loan was originally serviced under XXXX XXXXXXXX, then refinanced into XXXX XXXXXXXX ( adding {$12000.00} ), XXXX XXXXXXXX ( XXXX ). Mortgage Solutions Financial failed to notify me of reversed payments, refused partial payments, misapplied funds, and falsely claimed XXXX despite verified balances. Their portal bars partial payments and relies on XXXX scheduling that silently fails, misleading borrowers into believing they are current. MSF bars borrowers from paying currently due months while applying additional payments to balances in arrears. MSF refuses to adopt systems that allow immediate, verifiable payments ( i.e. Debit transactions ) that significantly increase borrowers ' ability to maintain account standings.These practices manufactured delinquency and damaged my credit profile, disqualifying me from a necessary vehicle loan, rental housing or purchase, refinancing of current mortgages, and more. The consistent diversion of funds to cure default has significantly strained my family financially.
Frequently Asked Questions
What is Complaint #17961529 about?
Complaint #17961529 was filed against Mortgage Solutions Of Colorado regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
How did Mortgage Solutions Of Colorado 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 Mortgage Solutions Of Colorado?
Yes, visit the Mortgage Solutions Of Colorado company profile at readthecomplaint.com/company/mortgage-solutions-of-colorado 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.