Mortgage -- Trouble during payment process -- Complaint #5036119
Complaint Overview
Complaint ID: 5036119
Company: Golden 1 Credit Union, The
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: California
ZIP Code: 95833
Date Received: 2021-12-22T12:00:00-05:00
Date Sent to Company: 2021-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing you in order requesting assistance with my Golden One Mortgage. On XX/XX/XXXX, I filed a complaint # XXXX. Golden One responded with a resolution that I did not agree with due to the fact they insisted that I signed a trial modification agreement that will extend my mortgage term to 40 years! The amount due each month was only a savings of {$100.00} less than what i pay as we speak. When I spoke directly to Supervisor XXXX ( XXXX loss mitigation dept ) he promised that if I send the modification documentation back to him and cross a line across agreement and write " DECLINE '', he will accept it and the missed payments that was honored and approved through the COVID 19 Relief Program in XX/XX/XXXX will be applied behind the total loan amount. In XXXX, XXXX ( Supervisor # XXXX ext. XXXX ) promised I will not have nothing to worry about. He told me to continue making my monthly mortgage payments and everything will be fine. I trusted in him since he was the only representative to return my calls and he was the supervisor over XXXX XXXX XXXX XXXX XXXX, the original loss mitg. rep. that continue to speak to me in a very disrespectful and racially motivated manner. As of today, this mortgage issue is not resolve. XXXX XXXX ( XXXX ext. XXXX ) has been sending threating letters and trying to force me into signing a modification I was told to decline months ago by his supervisor. He is claiming I am in breach of contract with my lender when I have continue to make timely mortgage payments for over 18 months after my COVID 19 deferment was approved. I need assistance with my mortgage that is not being handled appropriately by Golden OneXXXX.
Frequently Asked Questions
What is Complaint #5036119 about?
Complaint #5036119 was filed against Golden 1 Credit Union, The regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-12-22T12:00:00-05:00.
How did Golden 1 Credit Union, The 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 Golden 1 Credit Union, The?
Yes, visit the Golden 1 Credit Union, The company profile at readthecomplaint.com/company/golden-1-credit-union-the 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.