Mortgage -- Trouble during payment process -- Complaint #4499556
Complaint Overview
Complaint ID: 4499556
Company: Oceanside Mortgage Company
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: Virginia
ZIP Code: 22191
Date Received: 2021-06-28T12:00:00-05:00
Date Sent to Company: 2021-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX of 2020, I refinanced at a 3.25 % interested rate and my mortgage payment was XXXX. Due to COVID, I was unable to pay my mortgage and took out a COVID loan for the month of XXXX through XXXX. I resumed my normal mortgage payment in XXXX. On XX/XX/XXXX, an escrow analysis was done and my mortgage jumped to XXXX due to a shortage in my escrow. Oceanside Mortgage agreed to spread the escrow shortage over 60 months on XX/XX/XXXX and I was told to pay {$2300.00} for XXXX mortgage per their notes and which I paid and in XXXX my mortgage payment would rise to {$2300.00} for the next 60 months which I have already paid. Oceanside continues to harass me about a shortage in payment in the amount of {$270.00} which i do not owe them. They continue to say they will fix the issue but it never happens and because of this, they refuse to take my XXXX payment, which can put me in a delinquent status. I need help now and will file a complaint with the FHA
Frequently Asked Questions
What is Complaint #4499556 about?
Complaint #4499556 was filed against Oceanside Mortgage Company regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-06-28T12:00:00-05:00.
How did Oceanside Mortgage Company 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 Oceanside Mortgage Company?
Yes, visit the Oceanside Mortgage Company company profile at readthecomplaint.com/company/oceanside-mortgage-company 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.