Mortgage -- Trouble during payment process -- Complaint #4495611
Complaint Overview
Complaint ID: 4495611
Company: Calcon Mutual Mortgage LLC DBA Onetrust Home Loans
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Florida
ZIP Code: 346XX
Date Received: 2021-06-26T12:00:00-05:00
Date Sent to Company: 2021-07-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I purchased my home in XX/XX/XXXX. My first payment was due XX/XX/XXXX. The first payment was made to CalCon dba One Trust Home Loans on XX/XX/XXXX. XX/XX/XXXX I was notified that my loan was being transferred for servicing to XXXXXXXX XXXX payments were to be sent to XXXX on XX/XX/XXXX. XX/XX/XXXX a new transfer letter was sent stating that my loan was being transferred from CalCon ( acct XXXX XXXX to CalCon ( acct XXXX ). So on XX/XX/XXXX I made the XXXX payment to CalCon ( XXXX, as they they stated acct number XXXX would accept payments until XXXX ) On XX/XX/XXXX I received an additional transfer letter stating that the XX/XX/XXXX letter was sent in error and I should not send payments to the new account number ( XXXX XXXX, but should continue to make payments to acct XXXX. I then made my XXXX payment to XXXX on XX/XX/XXXX. XX/XX/XXXX, I received another transfer letter that the loan was going to XXXX. Throughout this process - XXXX was not notified they did not have my account and every time I called CalCon they said the account was theirs and not XXXX 's account. The issue is now XXXX actually does have my servicing of this loan but they are in belief they have had it since XXXX and they have now reported me as making a late payment and as of XX/XX/XXXX ( that is the date the payment was reported late ) my credit score has just dropped XXXX points as a result. The other issue of concern is that both XXXX and CalCon have been reporting to the credit bureaus the same loan and it looks as if I have over {$400000.00} in mortgages and I only have a {$200000.00} loan. At first it would have affected my ability to refinance as it looked as though I had 2 mortgages ... now it is seriously hurting me because I am being reported as late and I have made all of my mortgages on time. I sent emails to both companies and the only response that I receive from CalCon is an automated " we have transferred you loan to XXXX effective XX/XX/XXXX and if you have any issues, you need to contact XXXX ''. I have received this automated email at least 3 times and no one is addressing their mistake and the financial harm that they have caused.
Frequently Asked Questions
What is Complaint #4495611 about?
Complaint #4495611 was filed against Calcon Mutual Mortgage LLC DBA Onetrust Home Loans regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-06-26T12:00:00-05:00.
How did Calcon Mutual Mortgage LLC DBA Onetrust Home Loans 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 Calcon Mutual Mortgage LLC DBA Onetrust Home Loans?
Yes, visit the Calcon Mutual Mortgage LLC DBA Onetrust Home Loans company profile at readthecomplaint.com/company/calcon-mutual-mortgage-llc-dba-onetrust-home-loans 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.