Mortgage -- Struggling to pay mortgage -- Complaint #7733431
Complaint Overview
Complaint ID: 7733431
Company: Crosscountry Mortgage LLC
Product: Mortgage
Sub-Product: VA mortgage
Issue: Struggling to pay mortgage
Sub-Issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief
State: Florida
ZIP Code: 34135
Date Received: 2023-10-19T12:00:00-05:00
Date Sent to Company: 2023-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
We were affected by hurricane XXXX, our property was flooded XXXX feet. When we called the service r to help us they said we can put the mortgage in forebesrsnce and we could put the missed payments at the end of the loan. This was in XX/XX/XXXX. During this timeframe we worked in restoring the property cleaning it out replacing Sheetrock etc, and dealing with insurance companies. In XX/XX/XXXX we called serviced to reinstate our mortgage and put our payments in the arrears. At that time they said we had to apply for a loan modification and what we were asking for was impossible that they would have told us that information because it is inaccurate. We told them that all calls are recorded for quality and training purposes and that they should review the calls. The agent said that the only relief they could offer us was to fill out the loan modification application. The loan modification package was initially submitted in XX/XX/XXXX. There after we never heard anything from them, continuous calls to them they would state that the package was in underwriting etc, in XXXX they asked us to re fill out the loan modification application because it was over 30 days. We did so and same story as before. In XXXX we re submitted the package and once again same story as before. In XX/XX/XXXX when we called they informed us that we could start making payments again but that we need to refill a loan modification package. Today XX/XX/XXXX when we called for an update since like before our application was in underwriting since XXXX, they told us that our package had expired because it was over 30 days. Hey our debt continues to grow late fees etc but this bank is not reviewing our package una timely manner. Had this package been resolved back in XX/XX/XXXX we wouldve only been XXXX months behind not XXXX like it is now.
Frequently Asked Questions
What is Complaint #7733431 about?
Complaint #7733431 was filed against Crosscountry Mortgage LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2023-10-19T12:00:00-05:00.
How did Crosscountry 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 Crosscountry Mortgage LLC?
Yes, visit the Crosscountry Mortgage LLC company profile at readthecomplaint.com/company/crosscountry-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.