Mortgage -- Trouble during payment process -- Complaint #4710612
Complaint Overview
Complaint ID: 4710612
Company: Neighborhood Capital Funding, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: South Carolina
ZIP Code: 29646
Date Received: 2021-09-10T12:00:00-05:00
Date Sent to Company: 2021-09-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XX/XX/2021, my son, who is authorized to access my account, call to inquire of the PIF amount. He spoke with a " XXXX '' with Affiliate Mortgage Services. He introduced himself and made the request. He didnt easily recall my social security number but referenced a previous email whereby I authorized him to speak on my behalf and access my account. When she wouldnt provide the information, my son called me at work and connected me on three-way. After verifying myself, I alerted XXXX my son was authorized and she confirmed he wanted the PIF amount. We both concurred. She then said she needed to get someone else on the line to assist. My son and I challenged her by saying she led us to believe she was providing the information. My son spoke up and indicated she had wasted our time and that we needed the PIF amount and if she couldnt provide it the principal amount would suffice. XXXX disregarded us, misled us, was unprofessional, and merely transferred the call to the collections department. The call went to voicemail. We tried calling XXXX back and each time she sent us to her voicemail. My account isnt in collections. This agent needs immediate remediation and the company should be investigated for potential CFPB and OCC reg violations. THe agent needs to understand there is a proper way to address customers, to provide proper information, and not misled, insult, or be disrespectful.
Frequently Asked Questions
What is Complaint #4710612 about?
Complaint #4710612 was filed against Neighborhood Capital Funding, INC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-09-10T12:00:00-05:00.
How did Neighborhood Capital Funding, INC. 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 Neighborhood Capital Funding, INC.?
Yes, visit the Neighborhood Capital Funding, INC. company profile at readthecomplaint.com/company/neighborhood-capital-funding-inc 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.