Mortgage -- Trouble during payment process -- Complaint #5698731
Complaint Overview
Complaint ID: 5698731
Company: First Community Mortgage, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Tennessee
ZIP Code: 37027
Date Received: 2022-06-22T12:00:00-05:00
Date Sent to Company: 2022-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
The mortgage company I am filing this complaint is First Community Mortgage Company. The Loan # is XXXX. The mailing address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. The phone number ( XXXX ) XXXX The email address is XXXX On XX/XX/2022, I accidentally made two mortgage payments. When I really the mistake I called the mortgage company and requested a refund. The person that I spoke with confirm the two payments were posted. The person with the mortgage company went on to say that I needed to go to my online bank account and download a pdf file showing that the funds came from this account. I stated to the mortgage person that what she was requesting didn't make since because she stated the funds was posted. She went on to say that this was the only way a refund would be allow. I went on my online bank account and couldn't find what she had requested in the download pdf file with my XXXX XXXX XXXX account. The next day XX/XX/XXXX I call XXXX XXXX XXXX to assist me in this matter. The XXXX XXXX XXXX person was unable to find what was requested of the mortgage company. During my conversation with the bank employee that we decided to call the mortgage company for farther assistance. The mortgage company employee told my bank person the same request. The bank employee informed the mortgage person that a pdf file couldn't be done and that would a fax copy be acceptable and she said yes. The bank employee sent the fax while we were still talking to the mortgage company employee. Yesterday XX/XX/XXXX, I received a call from the mortgage company saying that a refund would not be paid until they received the pdf file from my online bank accounts. I informed her that I had gone through this 2 weeks ago and that my bank to talk to their mortgage company. She said without the pdf file email to them no refund of funds will be paid. I have been paying this mortgage the same way online for years. XXXX XXXX XXXX is the only bank that I have in which to pay my mortgage. This is crazy, the mortgage have the proof that I made the two payments but refuse to refund me the overpayment.
Frequently Asked Questions
What is Complaint #5698731 about?
Complaint #5698731 was filed against First Community Mortgage, INC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-06-22T12:00:00-05:00.
How did First Community Mortgage, 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 First Community Mortgage, INC.?
Yes, visit the First Community Mortgage, INC. company profile at readthecomplaint.com/company/first-community-mortgage-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.