Consumer complaint received 2023-02-18
Company: Union Home Mortgage Corp
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to dispute the late fees that have been charged to my account by Union Home Mortgage. As a licensed therapist, I am committed to providing therapeutic services to individuals who are in transitional living situations. These late fees have prevented me from accessing the necessary capital to invest in multi-unit family homes that can provide affordable housing for those in need. 

I entered into a forbearance program with Union Home Mortgage on XX/XX/XXXX, which was later extended to XX/XX/XXXX. Despite being in this program, I have been charged late fees for the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These late fees have been reported to the credit reporting agencies and have negatively impacted my credit score. 

Union Home Mortgage has violated several laws and regulations, including : Violation of the Fair Credit Reporting Act ( FCRA ), specifically USC Title 15, Section 1681s-2 ( a ) and ( b ), which requires furnishers of information to credit reporting agencies to have reasonable procedures in place to ensure the accuracy of the information they provide, and to investigate and correct any inaccuracies that are reported to them. 

Violation of USC Title 15, Section 1641 ( g ), which requires mortgage servicers to provide borrowers with a notice of any assignment, sale, or transfer of their mortgage loan to another servicer.

Violation of USC Title 12, Section 2605 ( k ) ( 1 ) ( A ) ( i ), which requires mortgage servicers to promptly and accurately credit payments made by borrowers. 

Violation of the Truth in Lending Act ( TILA ), specifically Regulation Z, which requires lenders to provide borrowers with a clear and accurate disclosure of the costs associated with a loan.

Violation of the Real Estate Settlement Procedures Act ( RESPA ), specifically Section 1024.41 of Regulation X, which requires mortgage servicers to have reasonable policies and procedures in place to provide borrowers with information and assistance related to loss mitigation options.

I am requesting that Union Home Mortgage correct these errors and remove the late fees from my account. I also request that they update my credit report to reflect the accurate status of my account during the forbearance program. Additionally, I request that Union Home Mortgage provide me with a notice of any assignment, sale, or transfer of my mortgage loan in the future, and that they promptly and accurately credit any future payments I make on my account. 

The removal of these late fees is urgent, as it would enable me to invest in multi-unit family homes and provide affordable housing to those in need. I urge you to take immediate action to provide monetary relief and ensure that Union Home Mortgage complies with all relevant laws and regulations. 

Thank you for your assistance in this matter. 
l

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation