Mortgage -- Incorrect information on your report -- Complaint #5004700
Complaint Overview
Complaint ID: 5004700
Company: Home Point Financial Corporation
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 900XX
Date Received: 2021-12-13T12:00:00-05:00
Date Sent to Company: 2021-12-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX, I went sent a letter in the mail that stated that a payment was missing and I called Home Point Financial. They could not understand what was going on with the account and told me they would investigate and call me back. When I didn't get a call back, the following week I called them again to inquire if the matter was fixed, since I didn't understand what the problem was. They again told me that they didn't understand what was wrong on their end and told me to please call back again, which I did. I called a third time in XXXX ( this should all be documented in their system and I'm now calling my phone company to get the phone logs ), they said everything was current and apologized. We were traveling during the month of XXXX and in early XXXX, when we were back at home, we received a letter in the mail stating that we had not paid our mortgage! I called the company immediately and was told we were late for XXXX months of payments, dating back to XX/XX/2021. Unbelievable! I asked the representative WHY this would have happened when we have always had automatic withdrawal from Home Point Financial itself. He asked me if we had changed anything with the checking account or routing number >> NO, NO, NO. Never changed anything. He informed me that it was a glitch on their end and apologized and took the 3 months of payments from me when I was on the phone XX/XX/XXXX. The representative said he would make notes to show the error was on their end and advised me to send an email to the Correspondence Dept at Home Point, which I did. I want a letter from Home Point showing and stating that this was their error for our records.
Frequently Asked Questions
What is Complaint #5004700 about?
Complaint #5004700 was filed against Home Point Financial Corporation regarding Mortgage specifically about Incorrect information on your report. It was received by the CFPB on 2021-12-13T12:00:00-05:00.
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.