Consumer complaint received 2018-01-04
Company: Peoples Home Equity, Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have/had a mortgage through Peoples Home Equity - XXXX XXXX XXXX. Due to Divorce, the home  was to be refinance Out of my name. The entire Process was very sketchy from my point of view, without any clarification as to whether or not the refinance even went through or not. Per the divorce I was to receive documentation that my name was and had been taken off the mortgage and title. First of all, the loan was set, per the email I received from my Ex on Sunday XXXX XXXX, for Monday XXXX XXXX at XXXX. At that time I was told that I need to be present at my prior address in order for the refinance to take place. I did not feel comfortable with that, and did not understand why I was needed to be present. Therefor, I responded that I was unable to make it. Almost immediately after me responding, I received a Quit Claim Deed telling me I need to get it signed ASAP and have it returned Hard Copy Prior XXXX or else I would not get my money on time .... This was very unprofessional. I changed my entire day around to accommodate. I was told that after the Quit Claim Deed was done, as well as the refinance, that I would receive copies of everything and that also, my check from the refinance would be overnighted after funding Friday and arrive no later than Saturday. Tuesday came and went and I still had not heard anything. Saturday came and went with no response AND no check. When I reached out to XXXX XXXX XXXX, I received Zero response. It was not until my attorney reached out that I received a message in response, which was very vague. In regards to the refinance I was told that there was nothing they had to prove the refinance went through, no closing disclosure, no copy of the Quit Claim deed, no paperwork at all to show I was indeed of the mortgage and the name had been refinanced in my exes name alone. Also, in the meantime in regards to the check. No one responded when I asked why it did n't show up until days later. XXXX XXXX XXXX completely ignored me in the process. When I got a response, eventually, what I got was that they think the check was mailed but had no record of where it was. I was floored first why they guaranteed an overnighted check and then to top it off why they would have sent a check for $ XXXX in the mail with no tracking. 

I finally received the check and it stated that the Borrower ( paid from XXXX XXXX ) was still me and my ex. I asked why my name was on as the borrower still, looking like both him and I paid a check of $ XXXX to me, and once again got no clarification. 

All I am looking for is confirmation that the home ( 2 mortgages ) has been refinanced OUT of my name completely, into my exes alone, and clarification why the check states the Borrower is still stating me as well. 

Little background on XXXX XXXX XXXX as well. The Team lead was really good friends of the both of us, even XXXX XXXX of my son. Once the divorce happened he became super ignorant to me even stating terrible comments about me on social media, which I have copies of these statements. I just feel that this Team is intentionally trying to make this more complicated and even if they did truly refinance correctly I have zero paperwork and clarification, with little to no response again until the attorney got involved. Lack of Communication, and  Lack of Documentation.

Company response to consumer: Closed with explanation