Consumer complaint received 2023-03-28
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on the purchasing of my home on XX/XX/XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX 

1. After moving in and experience rain, water gathered in the basement, therefore I had to fix this problem.

2. There were trees in the yard, one was hanging directly over the roof, that had to be excavated.

3. The fencing around the property was falling apart, causing passerby to throw empty containers/trash into the front of the yard. This caused me to install a new fence for the protection of my property.

4.Sitting in the living room with my children one day, a total male stranger turned the front doorknob and proceeded to walk in. As he was walking in, I stood up to ask him who is he? He proceeded to telling me that he thought the building was still vacant and didn't know someone bought the house. I told him I did, and then he backed out from the front door. Immediately I went to XXXX XXXX and came back with two iron storm doors, one for the front and one for the rear door.

5. Some of the electrical outputs are not workable, they're just there.

6. The toilets need to be resealed, because they shift from side to side.

7. The yard needs some lawn care, because I can tell that from digging, they left the dirt in the front of the yard, causing it to look like a little hill in the front of the yard.

These are not complaints, because no house is perfect when purchasing, unless it's built brand new and you're the first person moving in, and even then, you might find something that was not done to your specification, because that's life.

I'm filing this complaint because I fell behind trying to correct the above-mentioned infractions and problems. I got in touch with Planet Home Lending who bought my mortgage from XXXX XXXX XXXX XXXX to obtain a repayment plan. Plant Home Leading with all the information that I already produced, is trying to push me in the direction to seek an Request for Mortgage Assistance ( RMA ). This RMA would increase my interest rate of my mortgage loan. Hence, I was told to seek a repayment plan, that was given to me. It was set up for six months ( 6 ) paying one full month 's mortgage of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an increase of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX of my previous mortgage payments. So far, I have been sending Planet Home Lending one month 's mortgage of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, plus an additional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to give a total of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Every week or every other week Planet Home Lending, even after the agreement and my being on time with my repayment plan that has been set up for six months ( 6 ) and I am in the middle of the sixth month and the third payment, I'm being harassed by this company. I'm being told by them that the repayment plan is not in the computer, they want me to do it over, they want me to resend documents, they want me to furnish tax documents, award letters, military documents, and whatever else they want.

If a repayment plan was already setup late XXXX XXXX XXXX, why am I experiencing this? Is this to force me to apply for a Request for Mortgage Assistance, so my interest rate on my mortgage can go up, from a 3.125 % to a 5.125 plus %. This kind of behavior would have Planet Home Lending just taking all of my monthly funds, so I would just have a home, but can't live. It's like another way of forcing me backwards, so I can lose my home, and that I will not do.

I need to be left alone, to finish up the next three payments, which is XXXX, XXXX, and XXXX not including XXXX, which is here this week after I make my payments mentioned above to be finished with the repayment plan and back on track. Also be advised that I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on hold in my account. When XXXX payments is made, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX will be added to what's on hold to give me two full payments, which includes the full payment I'm paying. 
I'm told by Planet Home Lending that I don't have enough income for this home. If that be the case it's the same income that I use to purchase the home when I closed with XXXX XXXX XXXX XXXX, so I don't understand. This is a VA Home Mortgage. 

I hope I don't have to take this any further, and looking forward to your assistance, thank you. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation