Product: Mortgage

XX/XX/XXXX XXXX has misapplied my mortgage payments again for the XXXX time in 14 months. 

XXXX ) XXXX XXXX, Assistant Vice President of Roundpoint Mortgage Servicing, has knowingly made false statements to a federal regulator. When XXXX XXXX made the statement I have completed a thorough investigation into XXXX XXXX payment history, and he pays several mortgages with a single check When no such payments have ever been made in that fashion ; either XXXX XXXX is either making false statements as to her investigation, or XXXX XXXX is making false statements to coverup Roundpoints multiple mortgage collection violations. 
XXXX ) Roundpoint has misapplied XXXX mortgage payments in the last 13 months. 
XXXX ) Roundpoint has charged over {$5000.00} in late fees for mortgage payments which were paid on time. By their own admission Roundpoint does not consider consumers payments as received until they are processed, which may be two or three days after they are actually received. Roundpoint is defrauding consumers out of unearned late fees. 
XXXX ) Roundpoint has made over XXXX deposits and withdrawals of funds to my XXXX accounts in the last 14 months. Roundpoint has violated mortgage collection laws by creating false accounting of principal and interest payments.

5 ) Roundpoint is stealing funds from my escrow accounts. Roundpoint has taken over {$2000.00} from my escrow accounts without any explanation. Review of payments due for property taxes and insurance do not coincide with Roundpoints unauthorized withdrawals of thousands of dollars from my escrow accounts. 
XXXX ) Roundpoint has defrauded me out of interest savings on extra principal reduction payments I have made on my loans. On XXXX occasions Roundpoint misapplied my extra principal reduction payments and taken several months to correct the mis-accounting. In the meantime, Roundpoint charged me interest on the extra principal I paid in advance. i.e. I made an extra principal payment one month which was misapplied, the mistake was not corrected until three or four months later, in the meantime I was charged interest on those funds and cheated out of the extra interest savings I was due for the three or four months. These are compound interest loans and any savings in the early years add up to thousands of dollars in saving over the lifetime of the loan. At least 7 times in the last 13 months Roundpoint has defrauded me out of my rightful interest savings.

7 ) Roundpoint failed to file IRS forms 1098 in a timely manner. Roundpoint has defrauded me by filing inaccurate Form 1098s with the IRS. Roundpoint has defrauded the IRS by not paying penalties for failing to file Form 1098s in a timely manner. Roundpoint has defrauded me by backdating time sensitive tax documents. In XXXX, I received incorrect Form 1098s from Roundpoint dated XX/XX/XXXX. In XXXX, I received corrected 1098s backdated to the same date in XXXX. Backdating time sensitive IRS documents is fraud. 
XXXX ) Roundpoint has failed to ever send me a XXXX Form 1098 for Loan # XXXX XXXX ) Roundpoint is defrauding me by misreporting my payment history to the credit reporting bureaus. At least 7 times in the last 13 months Roundpoint has defrauded me by misreporting my payment history to all XXXX credit bureaus. That is XXXX times they have misreported my pay history to a credit reporting agency. Every time Roundpoint misapplies my payments, they immediately report to the credit bureaus I am behind in my mortgage payments. When Roundpoint misreports my payment history it shuts down all available credit options for me. As a real estate developer this is devastating to my business. Roundpoint has caused me irreparable harm by misreporting my payment history and slandering me to the credit reporting agencies.

10 ) Roundpoint is currently showing me behind in my payments and has started the foreclosure process against me.

11 ) Roundpoint is violating mortgage collection laws by sending me and calling with threatening messages of foreclosure when in fact I have fully lived up to my obligations. 

Over XXXX debits and credit to XXXX accounts in 14 months : This wreaks of fraud!!! Roundpoint does not possess the accounting expertise to correct the mess they have made of my accounts. Roundpoint needs to be audited. If they have been doing this to me over and over again for over a year now, a reasonable person would ask. When is the CFPB going to stop shrugging their regulatory obligation and audit Roundpoints servicing practices? My accounts need to be reviewed by a third party who specializes in these kinds of problems. Clearly Roundpoint will only take advantage of consumers when left to self-regulate.

Roundpoint, sell my loans to another servicer!!! 

My accounts need to be reconciled by an independent third party who specializes in this type of accounting. Roundpoint has defrauded me on multiple occasions and can not be left to self-regulate.