Mortgage -- Trouble during payment process -- Complaint #8779686
Complaint Overview
Complaint ID: 8779686
Company: Gold Star Mortgage Financial
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Loan sold or transferred to another company
State: Michigan
ZIP Code: 48093
Date Received: 2024-04-15T12:00:00-05:00
Date Sent to Company: 2024-04-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Gold Star Mortgage Financial Group Corporation NEVER LOANED ME ANY MONEY TO PURCHASE MY HOME. ( See Banking Statements ). Gold Star has " BREACHED THE ORIGINAL AGREEMENT AND REFINANCE AGREEMENT. ORIGINAL MORTGAGE AGREEMENT WAS NOT A CONTRACT, BUT A TRUST AGREEMENT. GOLD STAR MADE IT LOOK LIKE A CONTRACT WHEN IN FACT MY SIGNATURE IS THE ONLY SIGNATURE ON THE AGREEMENT. GOLD STAR MORTGAGE SOLD MY ORIGINAL PROMISSORY NOTE IN XXXX AND ON THE REFINANCE AGREEMENT SOLD THE PROMSSORY NOTE AGAIN FOR XXXX ( See Audit ). XXXX XXXX claims to have my " Promissory Note but in fact it's just a " COPY '', NOT THE ORIGINAL, so XXXX XXXX has no right to claim ownership of any NOTE when it was " SOLD '' I asked for proof of any Loan being given to me and Gold Star will NOT RESPOND BACK TO ME WITH ANY ACTUAL PROOF. XXXX XXXX mailed me a bunch of Copies of my Mortgage and NEVER mailed proof of having any Promissory Note. I had a XXXX XXXX performed on my Mortgage from XX/XX/XXXX and found a lot of Violations, missed assignments on the " Note '', the Note and " Deed Splitting, taking XXXX different paths as well as other Violations of S.E.C. T.I.L.A. RESPA, REGULATION Z VIOLATIONS ( See Audit ). There was NEVER ANY LOAN, SO HOW IS THERE ANY MORTGAE AGREEMENT? ( See Bank Statements ).
Frequently Asked Questions
What is Complaint #8779686 about?
Complaint #8779686 was filed against Gold Star Mortgage Financial regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2024-04-15T12:00:00-05:00.
How did Gold Star Mortgage Financial 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 Gold Star Mortgage Financial?
Yes, visit the Gold Star Mortgage Financial company profile at readthecomplaint.com/company/gold-star-mortgage-financial 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.