Mortgage -- Trouble during payment process -- Complaint #4872760
Complaint Overview
Complaint ID: 4872760
Company: Home Point Financial Corporation
Product: Mortgage
Sub-Product: VA mortgage
Issue: Trouble during payment process
State: Ohio
ZIP Code: 431XX
Date Received: 2021-11-03T12:00:00-05:00
Date Sent to Company: 2021-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I lost my job as a result of Covid-19 and placed my HomePoint VA mortgage in forbearance. I secured new work and began making my payments again in XX/XX/2021. I began looking at refinance / VA XXXX options to get current again. I continued to make payments and payments were accepted by HomePoint towards my mortgage debt. HomePoint returned my payment for XX/XX/2021 knowing this would disqualify me for the 6 months of on-time payment requirement in order to secure refinancing from a new lender. HomePoint has deliberately sabotaged my refinance options and at this point I am now unable to refinance my loan away from HomePoint. Refusing to accept payments, even if just to put in Escrow, was a deliberate and malicious act by HomePoint Mortgage and they should lose their ability to service any and all VA mortgages moving forward.
Frequently Asked Questions
What is Complaint #4872760 about?
Complaint #4872760 was filed against Home Point Financial Corporation regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-11-03T12:00:00-05:00.
How did Home Point Financial Corporation 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 Home Point Financial Corporation?
Yes, visit the Home Point Financial Corporation company profile at readthecomplaint.com/company/home-point-financial-corporation 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.