Consumer complaint received 2023-02-07
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Today I went and watched my house get wrongfully foreclosed on by the Mortgage XXXX. 
The Deed of Trust {$230000.00}, That I signed was supposed to have improvements completed, easements included, and I was to be given notice of a New Loan Servicer. I WAS NOT. 
On XXXX XXXX stated that the loan file ensured that all inspections occurred and were following HUD handbook XXXX with the included HUD Handbook XXXX pages attached. 
The well could have been connected to the community water supply. The well does not meet the required continuous supply of water to each dwelling and the water is not safe or potable. Was there an inspection done to ensure that the was inspected? What test results do you have that show the well meets the XXXX XXXX XXXX Drinking Water Regulations? 
For the OSSF we were required to have One acre now we have XXXX so we dont meet the local health standards If the appraisal report or inspection could not be done with the home construction completed as XXXX XXXX on XXXX then where the prepaid completion escrow requirement money is? 
XXXX XXXX XXXX CFPB Complaint # XXXX : The water samples were not emailed to you prior to closing. 
If the Appraisal took place on XX/XX/XXXX and the XXXX got a copy of the XXXX to XXXX family contract because the home was partially completed why are the HUD XXXX labels on it stating it I completed? 
How did the appraiser even find the home if they thought the address was XXXX, TX? 
And why would the XXXX XXXX contract from XX/XX/XXXX state the {$230000.00} appraised value And if the Appraiser signed it on XX/XX/XXXX then the The Appraiser could not have gotten the shared well agreement if it had been completed and filed with the county on XX/XX/XXXX. Neither could the appraiser get the water test results if they were done after the appraisal was completed. 
You can not say that the home was already installed on the property in number 8 and in number 2 state the home wasnt completed when the appraisal occurred.

Attachment 1 : representing that the home and improvements would be 100 % complete and that the water for the Property would be supplied by XXXX XXXX XXXX XXXX. 

Attachment XXXX : The well and power supply for the shared well are located and controlled by XXXX XXXX who has failed to pay his power bill numerous times, leaving our families without water for extended periods of time. There is the extremely low water pressure and the flow rate from the well does not meet the required XXXX gallons per minute flow rate or the pressurized storage of no less than XXXX gallons to each dwelling. 

Attachment XXXX : On XX/XX/XXXX, a survey company called XXXX XXXX XXXX ( A & A ) conducted a survey for a XXXX XXXX XXXX XXXX XXXX XXXX  situated in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for the three platted lots located in the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 's property, Lot XXXX, the XXXX property Lot XXXX, and XXXX XXXX 's property, Lot XXXX. The XXXX buyers were required to incur all costs associated with the construction, installation, material for the well, and surveys conducted for a XXXX XXXX that was not permitted to supply water to our properties. The costs incurred for utility XXXX by the buyers were not disclosed on any loan paperwork because the property was sold to XXXX XXXX as an REO/SPEC home. The costs paid for the installation and materials of the well are also unknown. The costs associated with the survey where the easement was split amongst the XXXX buyers XXXX XXXX, the XXXX, and XXXX XXXX for a total of {$2500.00}, Attachment XXXX : The Well is in violation of the Lost Pines Groundwater Conservation districts rules and regulations 3.1A ( 3 ), 5.1, and 5.2 and the Texas Water Code, section 36.117 ( j ) unpermitted to service our properties with water required by Chapter 232, Local Government Code. and was not permitted to supply water to other properties. 

Attachment 8 : Over the time of two years multiple water samples were taken to evaluate the water quality and water standards of the propertys drinking water. None of the results complied with the requirements for the standards of safe drinking water or safe levels of contaminate levels. XXXX XXXX has added excessive unsafe levels of bleach to the well over a two-year period and installed the fences that block off all access to the easement. 

Attachment XXXX : On XX/XX/XXXX, XXXX informed XXXX XXXX that for her to obtain its water services she could step in as the developer and pay the applicable fees necessary to make the entire development compliant. The preliminary costs summary XXXX provided to the developer was a total of {$110000.00}. XXXX XXXX had already paid for the feasibility studies from XXXX to provide water to the XXXX XXXX XXXX XXXX XXXX XXXXr completed the study in XX/XX/XXXX. In addition, XXXX XXXX paid all legal fees and XXXX passed resolution XXXX in XX/XX/XXXX approving the feasibility of providing this water service. All the XXXX Services Applications and permits submitted to XXXX XXXX indicated that the property 's water source was public water system listed as XXXX. 

Attachment water win : XXXX lies about the water Attachment DSML : XXXX should not have been involved in the XXXX to XXXX contract Attachment all of them : the double XXXX money contracts you guys increase buyers prices with

Company response to consumer: Closed with explanation