Mortgage -- Trouble during payment process -- Complaint #7394308
Complaint Overview
Complaint ID: 7394308
Company: Nations Direct Mortgage, LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: Wisconsin
ZIP Code: XXXXX
Date Received: 2023-08-13T12:00:00-05:00
Date Sent to Company: 2023-08-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX ACH payment sent by WI Help for Homeowners in the amount of {$12000.00}. This was the amount to reinstate my mortgage. XXXX XXXX Mortgage processed my payment on XX/XX/XXXX. This would make my account late for XXXX since it was after the XXXX of XXXX causing my credit score further damage and accumulating further late charges and fees. XX/XX/XXXX, my mortgage is still not reinstated and is not found on my online account to make payments and manage my escrow account. Phone conversation with XXXX XXXX XXXX, I made a full mortgage payment over the phone and charged {$10.00} for this. Was told my account would be cleared up by XX/XX/XXXX, so I could access my account online. They claim it takes 30 days to clear the account and reinstate the mortgage from XX/XX/XXXX. I have an attorney that is accruing fees and charges because of all the time she has with communication with the attorney at XXXX and XXXX which was hired by XXXX XXXX Mortgage. I applied for assistance with my mortgage back in XX/XX/2023 after my XXXX XXXX and finding out I would not be able to work for 6 months. I was never given a chance for help, the loss mitigation packet was sent numerous times and wanted different documents every time, some of which I couldnt provide. Now it is XX/XX/XXXX and I still do not have any access to my mortgage account and my credit report is stating that XXXX and XXXX payments were late. This account has been paid in XXXX to XX/XX/XXXX. Now XXXX going to have to pay {$10.00} fee to pay over the phone again since I can not access my account. I still am receiving court documents for appearance in XXXX that were filed on XX/XX/2023 when the account was current.
Frequently Asked Questions
What is Complaint #7394308 about?
Complaint #7394308 was filed against Nations Direct Mortgage, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-08-13T12:00:00-05:00.
How did Nations Direct Mortgage, LLC 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 Nations Direct Mortgage, LLC?
Yes, visit the Nations Direct Mortgage, LLC company profile at readthecomplaint.com/company/nations-direct-mortgage-llc 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.