Consumer complaint received 2020-11-30
Company: Nationwide T & L Holdings, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this may concern, I, XXXX XXXX XXXX am writing to inform you of gross negligence, discrimination and dishonesty from my mortgage lender. For a ten year U.S. military veteran, and 8 year mortgage loan officer, it is unbelievable that some Americans could stoop so low. 
I bought home but was not told that the city certifications were not done. This is something you have to do every time after you buy a property in the city of XXXX XXXX Ohio. 

This lender first went by Lender USA LLC. Now they go by Nationwide T and L holdings LLC. They are also the mortgage servicer. 
They should be immediately fined and stripped of lending and mortgage servicing. They should also pay me for pain and suffering. My mortgage should be forgiven as well by them. 
These are the violations : Inaccurate information on mortgage statements. It says interest rate is 9 percent on the mortgage statement, however I am actually paying 10.5 percent. 
I paid more than what is said on the mortgage statement. Allot of the payments were not counted. Their Bank should be audited in order to show my payments to Lender USA. Harassment by lender putting Nationwdie on mortgage statement. Mortgage statements generally have that part already as a default. Why this change and why 2 mortgage letters sent same month?? 
Faulty inaccurate next due payment dates on mortgage statements. 

Lender tricked me into missing mortgage payments in order to forclose on home after learning I wanted to sell home and value went up 100 percent. 

Regulation C Regulation X - no special booklets etc ( 1024.1-1024.20 ) List of homeownership counseling ( 1024.20 ). As well as all the other mandates for regulation X Mortgage servicing ( 1024.30-1024.41. ) They are unable to be reached most of time.

Regulation B- Was never provided appraisal or any other written valuation ( 1002.14 ) Regulation Z - I was not notified that I had a high cost mortgage in paperwork or otherwise when I bought home. 
I was got a high cost mortgage but they only pulled my credit. They did not check about job or anything else. This is a violation ( violation code ) ( 1026.34 ). 

Nationwide T and L holdings had a maintenance man as a realtor, named XXXX. They paid him illegally, to facilitate me buying the home instead of a realtor. Nationwide T and L are located in Texas. 

I asked Nationwide T and L holdings if I could sell my home around XX/XX/2020. 
I was told I could sell property. I have proof via email. They even sent me the mortgage payoff numbers. On top of that, they said they would forgive a few months back payments if I sold the home before the end of the year. This made me confident that they were telling the truth. Then I made preparations to put home up for auction. I did not make mortgage payment the next month because I thought I was selling the home. But when it came time to sign off on the auction, Nationwide T and L holdings refused. 
Then they said they would forclose my home if I did not pay $ XXXX in a week from that day. How can my back payments equal $ XXXX? They are trying to When asked them why XXXX, they were not business like at all. I did not get a valid reason. Their record keeping is suspect and should be audited. They totally are unprofessional and untrustworthy. They deserve to be punished. 
This would not have happened if they would have gotten the certificates from the city like they should have. So I bought home thinking it was ok, not knowing or notified that the certifications were not done. It says nothing about certifications in the contract, so it definitely should have been done. The house has major issues that I am still taking care of. Because of many urgent issues I was unable to pay mortgage on time. But they worked with me, until I made them upset. I insulted them after they lied to me saying I could sell the home. They would not respond, only when I berated them. I tried calling and they do not call back. They refuse to speak to me in person. 
They also realized that they could auction the home for themselves after they saw the value in the home went from $ XXXX to $ XXXX. 
They blocked me from making a profit because they would have only get the XXXX that was left on the mortgage. 
On top of that, Nationwide T and L knows this COVID-19 crisis has many businesses hurting such as mine. They like to prey on others especially when they think people are weak. 
They put me at a high cost 10.5 percent interest rate initially without any notification. Then later said they would refinance at 9 percent when interest rates are at historic lows currently. My credit is about 600. That to me is a form of predatory lending. Furthermore : 1. In the city of XXXX XXXX, Ohio : Point of sale Inspections are required for residential and commercial properties prior to change of occupancy. This was not done by Lender USA aka Nationwide T and L holdings LLC. 
2. Certificate of occupancy inspection is required for residential and commercial properties prior to change of occupancy. This was not done This was not done by Lender USA aka Nationwide T and L holdings LLC 3. A vacant registration is required as well, and was not done. 

For some reason my XXXX mortgage bill Said it was from Nationwdie T and L holdings This I found particularly troubling. Especially because the state of the nation we are in. I find this very discriminatory and demeaning. 
I also find this very threatening and would like some resolution. I can not get any valid response from the lender/mortgage services. 

I would appreciate your assistance on helping me get justice regarding these unscrupulous shenanigans by USA Lender aka Nationwide T and L Holdings LLC. 

Best Regards, XXXX XXXX XXXX

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